text:
- Home
- News
- Weather
- Sports
- Videos
- Community
- Features
- Programming
- About WWAY
- Contact Us
American Legion
WWAY's Sunday night sports - July 21Submitted by John Rendleman on Sun, 07/21/2013 - 11:06pm.READ MORE:
The Wilmington Hammerheads desperately needed a win on Sunday afternoon, but the Pittsburgh Riverhounds proved to be stingy hosts. The Riverheads edged the Hammerheads 2-1. At the British Open Phil Mickelson won in comeback fashion on Sunday at Muirfeld. Former Laney Buccaneer Tamera Young led Chicago in scoring over the weekend in a WNBA game against New York. Plus more! Full story...»
WWAY's Thursday night sports - July 18Submitted by John Rendleman on Thu, 07/18/2013 - 10:42pm.READ MORE:
Tampa Bay Buccaneers head coach Greg Schianno discusses Connor Barth's season ending injury on our sports on Thursday night. The Wilmington Sharks played their first home game since the death of equipment manager Kevin Cerasuolo. Tiger Woods is in the hunt after the first round of the British Open. Plus more! Full story...»
WWAY's Wednesday night sports - July 17Submitted by John Rendleman on Wed, 07/17/2013 - 11:42pm.READ MORE:
Connor Barth will have to watch the 2013 NFL season from the sidelines or possibly from the comforts of home. Barth has been placed on the reserve/non-football injury list due to a tear of his right Achilles tendon. The Wilmington Sharks won on Wednesday night. The Sharks return home on Thursday for a doubleheader against Wilson. Plus more! Full story...»
WWAY's Tuesday night sports - July 16; Trot Nixon takes youth baseball team to regionalsSubmitted by John Rendleman on Tue, 07/16/2013 - 10:46pm.READ MORE:
Trot Nixon no longer plays professional baseball, but he remains involved in baseball by coaching his youngest son's youth baseball team. Nixon's Supper Optimist squad will compete in the SE Regional starting this Thursday in Virginia. Wilmington Post 10 secured a spot in the state legion tournament with a playoff win on Tuesday over Whiteville Post 137. Plus more! Full story...»
WWAY's Monday night sports - July 15; Devoted Wilmington Sharks employee dies at ballparkSubmitted by John Rendleman on Mon, 07/15/2013 - 10:33pm.READ MORE:
Monday's baseball game at Buck Hardee Field was called off due to the death of Wilmington Sharks employee Kevin Cerasuolo. The death is under investigation, but it appears to be from natural causes. UNCW men's basketball coach Buzz Peterson is counting on recent transfer Addison Spruill to play a big part on the court for the Seahawks this season. Spruill recently fractured his right foot though. He'll be out at least 4-6 weeks. Plus more! Full story...»
WWAY's Sunday night sports - July 14Submitted by John Rendleman on Sun, 07/14/2013 - 11:43pm.READ MORE:
The inaugural "Champions 4 Cancer" basketball event concluded on Sunday without a champion. A dispute over prize money led to several teams walking off the court prior to the end of the tournament. In baseball Wilmington Post 10 was a shutout winner over Whiteville on Sunday night. The O'Neill Sweetwater Pro-Am Surf Fest concluded on Sunday with several area surfers holding more than own at Wrightsville Beach in the men's pro finals. Full story...»
WWAY's Tuesday night sports - Cooper attends football practice for Wilmington TigersSubmitted by John Rendleman on Tue, 07/09/2013 - 11:11pm.READ MORE:
Arizona Cardinals offensive lineman Jonathan Cooper stopped by football practice for the Wilmington Tigers on Tuesday. The recent NFL first round draft pick will toss the coin for the Tigers prior to their season opener at Legion Stadium this coming Saturday. On Tuesday on WWAY we also talked with Buffalo Bill Jay Ross about his upcoming free football clinic this weekend. Plus more! Full story...»
WWAY's Monday night sports - July 8; Jay Ross stops by WWAY to talk hoopsSubmitted by John Rendleman on Mon, 07/08/2013 - 11:35pm.READ MORE:
Buffalo Bill Jay Ross stopped by WWAY in order to promote his upcoming celebrity basketball tournament. The event is set for this coming Friday at Brogden Hall. Wilmington Post 10 wrapped up their first round baseball series on Monday. A former Seahawk is about to transfer to UNCW in order to be a Seahawk. Plus more! Full story...»
WWAY's Friday night sports - July 5Submitted by John Rendleman on Fri, 07/05/2013 - 11:35pm.READ MORE:
Wilmington Post 10 and Hampstead Post 167 both won legion baseball playoff games on Friday. The Wilmington Sharks also won on Friday. Plus more! Full story...»
WWAY's Wednesday night sports - July 3Submitted by John Rendleman on Wed, 07/03/2013 - 11:45pm.READ MORE:
Full story...»


text:
Multiple growth factors regulate coronary embryonic vasculogenesis
Article first published online: 22 MAY 2001
DOI: 10.1002/dvdy.1137
Copyright © 2001 Wiley-Liss, Inc.
Developmental Dynamics
Volume 221, Issue 3, pages 265–273, 1 July 2001
Additional Information
How to Cite
Tomanek, R. J., Zheng, W., Peters, K. G., Lin, P., Holifield, J. S. and Suvarna, P. R. (2001), Multiple growth factors regulate coronary embryonic vasculogenesis. Dev. Dyn., 221: 265–273. doi: 10.1002/dvdy.1137
Publication History
- Issue published online: 15 JUN 2001
- Article first published online: 22 MAY 2001
- Manuscript Accepted: 13 FEB 2001
- Manuscript Received: 10 NOV 2000
Funded by
- NIH. Grant Numbers: HL 48961, HL 62178
- Abstract
- Article
- References
- Cited By
- bFGF;
- tie-2;
- TGF-β;
- vasculogenesis;
- quail embryos;
- coronary vessels;
- heart development
Mechanisms regulating coronary vascularization are not well understood. To test hypotheses regarding the influence of key growth factors and their interactions, we studied vascular tube formation (vasculogenesis) in collagen gels onto which quail embryonic ventricles were placed and incubated in the presence of growth factors or inhibitors. Vasculogenesis in this model is dependent on tyrosine kinase receptors, since tube formation was totally blocked by genestein. Tube formation was attenuated when anti-bFGF or anti-VEGF neutralizing antibodies were added to the medium and nearly completely inhibited when the both were added. The attenuation associated with anti-VEGF was due primarily to a decrease in assembly of endothelial cells, while that associated with bFGF was primarily due to a reduction in endothelial cells. Soluble tie-2, the receptor for angiopoietins, also had an inhibitory effect and, when added with either anti-bFGF or anti-VEGF, markedly attenuated tube formation. At optimal doses, tube formation was enhanced 6.5-fold by bFGF and 2.5-fold by VEGF over the controls. Each of these growth factors was dependent upon the other for optimal induction of tube formation, since neutralizing antibodies to one markedly reduced the potency of the other. VEGF potency was also markedly reduced when soluble tie-2 was added to the medium. Tube formation was virtually totally blocked by exogenous TGF-β at doses > 1 ng/ml, while neutralizing TGF-β antibodies enhanced tube formation 2-fold in the 30 ng–30 μg range. These data provide the first documentation of multiple growth factor regulation of coronary tube formation. © 2001 Wiley-Liss, Inc.

subset: commoncrawl


text:
Slam Dunk Episode 82
You are going to watch Slam Dunk Anime Show for free with English Subs Episode 82 Online.
if Slam Dunk 82 are not working, please try one of the Video Mirrors.
Upload by: mica
Updated: November 15, 2012
You are watching Slam Dunk Episode 82 in High Quality English subbed. Slam Dunk Episode 82 is from Slam Dunk anime series. If you enjoyed Slam Dunk Episode 82 please share it with others! Please note that this Episode is hosted on a third-party video sharing website, and it is not affiliated with Chia-Anime.


text:
Good review...I had to have one last night just for comparison's sake, and you're right. It definitely has an herbal quality about it which I dig. Plus it just looks cool and is as easy to light as they come!
In case anyone is interested on saving a bit of money on propylene glycol solution for your humidor, I found a good source. You can get food grade propylene glycol at The Chemistry Store for $17.88 per gallon.
Shipping from SC to TX was $10.61 UPS ground. They charge a $3 handling fee, so my total cost was about $31 for a gallon.
You mix it 50:50 with distilled water. It is far more economical to buy it this way than to buy the pre-diluted 50:50 solution for $10 a pint from your tobacconist.
And on cigars......I smoked a La Flor Dominicana Double Ligero lancero the other night. One strong, tasty mofo! First lancero I've had, too.....I felt like a midget smoking a Virginia Slim.
Those beads are quite an innovative humidification idea. I'd go with the 65% RH beads too. 70% is too damp for most of my cigars, and when it's warm weather, I worry about mold.
I might give those a try in my smaller humidor that holds a couple of boxes of cigars. And the smallest tube would be more convenient for my little travel humidor (roughly six or seven stick) than a traditional humidifier.
I bookmarked that site. I'm in love with that glass front cabinet humidor. What a beauty, and a well-thought out design. I've thought about making one similar to that for a long time. My larger humidor is a small cabinet type with five drawers. Each drawer will hold about 1.5 to 2 boxes of cigars depending on the size. That's loose cigars out of the box, though; it can't accommodate cigars in their boxes. That's something I've always wanted.
I've switched to the beads, too, or at least a derivative of them. Just add distilled water and good to go.
I rang in the new year (well, it would have been new year somewhere in the Atlantic) with a Romeo y Julieta Exhibicion No. 4....one of my favorites.


text:
GDC trailer for vampire stealth game Dark has a dull bite
Also, is it just me, or is that the most boring use of cel shading ever? I didn't even notice it was stylized at all at first. Plus, he's a vampire? Ditch the hoodrat clothes and stealth. Waltz into your desired place of being with a debonair air dressed to the nines and just seduce your way through levels. What fear of guns can the undead have? I suppose it'll be poorly narratively contextualized somehow.
Maybe Dark will be an okay thing, but it doesn't look memorable and its spunky, one-letter title won't be doing it any favors when a bunch of other games supersede it in internet searches. Speaking of, have you bought Luigi's Mansion: Dark Moon yet?
'Dark' looks like a vampiric Splinter Cell
3:00 AM on 07.06.2013
DARK trailer showcases confusion and blood drinkies
8:30 AM on 05.16.2013
Mix Deus Ex, Hitman with vampires and you get Dark
3:15 PM on 02.14.2013
Dark Updates, Screenshots, & Videos
Comments not appearing? Anti-virus apps like Avast or some browser extensions can cause this.
Easy fix: Add
[*].disqus.com to your software's white list. Tada! Happy comments time again.
Did you know? You can now get daily or weekly email notifications when humans reply to your comments.
Woolfe: The Red Hood Diaries is a dark reinvention of classic fairytale fiction
5:00 PM on 03.16.2015
Terraria: Otherworld's GDC trailer drops more hints about its alternate universe
5:30 PM on 03.12.2015
Xbox to indie devs: There's a place for your game on Windows 10, no matter the size
11:00 AM on 03.11.2015


text:
Behind the Scenes at SPE-certified Triomphe
March 15, 2015 by Neron Francis, Dietetic Intern
Neron Francis, a dietetic intern, recounts his six weeks in the kitchen with Florian Wehrli, executive chef at Triomphe Restaurant
Healthy ranch dressing recipe
How does SPE Certified work?
Washington State University becomes SPE-certified!
Take action for a more sustainable food system!
Ellary's Greens becomes 3-star certified!


text:
From the Youtube video (www.youtube.com/watch?v=XweZDJ7vKc4). This is the motif I was trying to copy.
Follow Avital Pinnick Avital Pinnick Member since 2007
- Taken on November 6, 2007
- 1,221 Views
- 0 Galleries
Additional info (show more)
- This photo is visible to everyone
keyboard shortcuts: ← previous photo → next photo L view in light box F favorite < scroll film strip left > scroll film strip right ? show all shortcuts


text:
Nintendo is suffering from disappointing sales for its GameCube console, and it may be due to a bit of company identity crisis. The GameCube's games are designed mostly for children, which may not square with the console gaming concept, which tends to appeal to young adult males. Meanwhile, competitors such as Microsoft's Xbox have created a whole lifestyle around their games.
View Full Article in:BBC
Published in Brief:


text:
- News
- Local
- Sports
- Business
- Politics
- Opinion
- Lifestyle
- Entertainment
- Obituaries
- Classifieds
- Autos
- Housing
- Jobs
UnitedHealthcare on Monday announced its 2013 Medicare portfolio, including a new low-premium Part D plan and preferred pharmacy network that it says will save money for Medicare consumers.
In 2013, UnitedHealthcare will introduce the AARP MedicareRx Saver Plus plan. It offers consumers savings on both their monthly premium and prescription co-pays.
The $15 premium on the AARP MedicareRx Saver Plus plan makes it the lowest-cost Part D prescription drug plan in the 45 states where the plan will be available in 2013, United Health said. The premium is lower than the $30 average premium that the Centers for Medicare & Medicaid Services projected for 2013 Part D plans.
Members of the stand-alone Part D plans in 2013 will be able to maximize the savings if they use a preferred pharmacy network that includes Walgreens, Kroger, Target, Safeway, Publix, Stop & Shop, Hy-Vee, H-E-B, Hannaford, Wegmans, Giant, Duane Reade, Fred Meyer, Smith's, Fry's, Vons, Sweetbay and many other retailers.
"Our Part D offerings help customers get the most value for their health care money in 2013," Mike Anderson, chief pharmacy officer, UnitedHealthcare Medicare & Retirement, said in a statement. "The lower co-pays and low premium on our AARP MedicareRx Saver Plus plan make it a great option for value-conscious Medicare beneficiaries who are looking for prescription drug coverage from a company they trust."
Adam Belz • 612-673-4405 Twitter: @adambelz


text:
We are really rocking today, huh?
I believe shorts are active here. I received an offer from my broker a few weeks ago trying to borrow my LIWA stock. I always decline these offers since all they do is use the shares to short.
shorting has got to be the easiest game ever.
well I guess we can't know for sure, but if the trading and volume patterns resemble anything like that of a month ago, it should be safe to assume its the shorts again.They had very blatent trading strategies the last time around.
Ya, and on volume. Looks like the shorts still aren't worried and likely shorting even more.This thing must really be a pos. LOL
It is because Jim Chanos this morning on Bloomberg saying short all you can on Chinese ADR in U.S. He said he will short anything so long as he can borrow stocks on any of these stocks in this sector.


text: Hi Pedro, On 12/11/10 10:14, Pedro Coutinho wrote: > Sorry, I should have been more specific... What I meant is that > everything seems to be working fine, except for the page loading, > meaning the problem is most definitely in tomcat. Maven works, java > works and its paths are updated, the dspace command to check if its > properly connected with the postgresql database also works... I've > seen lots of forums and I've, added in server.xml the UTF-8 option, > made the tomcat_user=dspace, turned off tomcat_security... Nothing > works. Can you be even more specific? Exactly what isn't working? What are you doing, what do you expect to happen and what happens instead? Make sure you give us the exact URL you're entering in your browser. Are the domain name and the IP address you gave in your first e-mail the actual values you are using? If so, then something may be wrong with your domain setup -- at least I cannot access arquivoescolar.myhosting.me because that domain appears to not be registered. cheers, Andrea -- Andrea Schweer IRR Technical Specialist, ITS Information Systems The University of Waikato, Hamilton, New Zealand


text:
The Pima County School Superintendent's Office Promotes Educational Excellence Through LEADERSHIP, SERVICE, & COLLABORATION.
Be sure to check out our current professional development offerings below!
Upcoming Events
April 21st, 2015
Climbing the Mountain of Recommendation Letters
Participants will consider the structure, content and tone of recommendations, the…Learn More
April 22nd, 2015
Educator's Forum: Child Family Teams - The Cornerstone of Behavioral Health for Children
Child Family Teams (CFTs) are the cornerstone of behavioral health services for children in…Learn More
June 01st, 2015
Systems Thinking Level 1: Developing Critical Thinking Skills
This workshop will provide an introduction to systems thinking and its connections to other…Learn More
June 08th, 2015
Systems Thinking Level 2: Embracing the Power of Visual Tools, Including Simulation Models
Expand your knowledge of systems thinking through an exploration of tools and concepts in a…Learn More
Latest News
January 08th, 2015
Arizona's Per Pupil Funding: A Synopsis
Chief Financial Officer, Ricky Hernandez, gave a presentation to the Greater Oro Valley Chamber of Commerce explaining Arizona's Per Pupil Funding for education. Download the presentation here!
Congratulations Mesquite Elementary of Vail USD for National Blue Ribbon School Award
AzMerit: Arizona's Measurement of Educational Readiness to Inform TeachingView All News


text:
What's your astrological sign? Everyone knows what his or her sign is. Even if you're not a believer that the position of the planets at the exact time of your birth is an indicator of your personality and can determine events that happen to your throughout your lifetime, you've certainly met someone who does believe. At the very least, it's harmless club conversation, a way to get to know someone. But is there something to it. Are horoscopes just hocus pocus. Or do they truly predict the course of events in your life. Astrology is one of the earliest sciences known to human history. There are astrological records that originated in Babylon in 1645 BCE. Other cultures, such as Egyptian and Greek developed timekeeping and calendar methodologies. From the time man began to observe and track the world around him, he's also contemplated his own relationship to the earth, stars, planets and elements around him. Astrology may have one way that earliest civilizations helped define their place in the cosmos. They perceived it as being greater than themselves; not something to be conquered, but to be understood. While in modern times astrology is seen as new age and not as credible as sciences like astrophysics or chemistry, at one time it was as credible a science as any other. Astronomers like Galileo and Copernicus were also practicing astrologers. With the evolution of more quantitative sciences, astrology's influence and position began to diminish. It enjoyed a resurgence in the 1930's with the birth of England's Princess Margaret. The London Sunday-Express ran her astrological profile, and that event was the origin of the modern daily horoscope in the newspapers. Everyone who's read a really good astrological profile of himself has to admit there are some uncanny coincidences. Can we really pretend we're so knowledgeable of the universe that we can reject the discipline of astrology. Maybe Shakespeare had something there when he wrote in Hamlet, "here are more things on heaven and earth Horatio than are dreamt of in your philosophy." Chinese Astrology According to Chinese legend, the twelve animals quarrelled one day as to who was to head the cycle of years. The gods were asked to decide and they held a contest: whoever was to reach the opposite bank of the river would be first, and the rest of the animals would receive their years according to their finish. All the twelve animals gathered at the river bank and jumped in. Unknown to the ox, the rat had jumped upon his back. As the ox was about to jump ashore, the rat jumped off the ox's back, and won the race. The pig, who was very lazy, ended up last. That is why the rat is the first year of the animal cycle, the ox second, and the pig last. The Chinese animal signs are a 12-year cycle used for dating the years. They represent a cyclical concept of time, rather than the Western linear concept of time. In the Chinese calendar, the beginning of the year falls somewhere between late January and early February. The Chinese have adopted the Western calendar since 1911, but the lunar calendar is still used for festive occasions such as the Chinese New Year. Many Chinese calendars will print both the solar dates and the Chinese lunar dates. A cultural sidelight of the animal signs in Chinese folklore is that horoscopes have developed around the animal signs, much like monthly horoscopes in the West have been developed for the different moon signs, Pisces, Aries, etc. For example, a Chinese horoscope may predict that a person born in the Year of the Horse would be, cheerful, popular, and loves to compliment others. These horoscopes are amusing, but not regarded seriously by the Chinese people. This insight into astrology and horoscopes is brought to you by SpeakToTheSky.com, providers of your free weekly horoscope by email every week plus the best available horoscope SMS.
Pages to are hidden for
"Introduction to Astrology (DOC)"Please download to view full document


text:
and PublicationsStay
and Events
Conferences & Events
Annual Conference
EDUCAUSE Connect Events
EDUCAUSE Institute Programs
ELI Annual Meeting
ECAR Annual Meeting
NERCOMP Annual Conference
Security Professionals Conference
Administrative IT Summit
Online Events
Webinars/Online Events Calendar
Event Resources
Fellowship/Scholarship Program
Presenter Concierge
EDUCAUSE On Campus
Other Higher Ed Event Calendar
Events for all Levels and Interests
Whether you're looking for a conference to attend face-to-face to connect with peers, or for an online event for team professional development, see what's upcoming.Stay
Career Center
EDUCAUSE Institute
Leadership and Management Programs
Project Management
Fellowships and Awards
Getting Involved
Jump Start Your Career Growth
Explore EDUCAUSE professional development opportunities that match your career aspirations and desired level of time investment through our interactive online guide.Stay
Focus Areas
and Initiatives
Latest Topics
EDUCAUSE organizes its efforts around three IT Focus Areas
Join These Programs If Your Focus IsStay
and Contribute
Find Others
Get on the Higher Ed IT Map
Employees of EDUCAUSE member institutions and organizations are invited to create individual profiles.
Uncommon Thinking for the Common Good™
EDUCAUSE is the foremost community of higher education IT leaders and professionals.
Your Selections Under:
Filter by type
Filter by Publications
Filter by Presentations
Filter by Library Taxonomy
- Teaching and Learning [x]
- E-Learning [x]
- Student Engagement and Interaction [x]
- Instructional Technologies (23)
- Virtual Learning Environment (VLE) (15)
- Online Teaching Strategies (14)
- Games and Gaming (13)
- IT Integration (13)
- Blended Learning (11)
- Instructional Design (11)
- Millennials (11)
- Learners (9)
- Online Learning (9)
- Assessment and Evaluation (8)
- Learning Environments (8)
- Massive Open Online Course (MOOC) (8)
- Mobile Learning (7)
- Information Technology Management and Leadership (24)
- Infrastructure and Emerging Technologies (16)
Student Engagement
Learning science research and practical experience highlight the importance of interaction and engagement to successful learning. Active and collaborative learning environments are particularly effective for Net Generation learners. Games, simulations, group projects, and undergraduate research are among a number of models for interaction and engagement being explored.
Articles and Reports
- 2014 Student and Faculty Technology Research Studies. This hub contains the 2014 student and faculty studies from the EDUCAUSE Technology Research in the Academic Community research series. In 2014, ECAR collaborated with 151 institutions to collect responses from 17,451 faculty respondents across 13 countries about their technology experiences. ECAR also collaborated with 213 institutions to collect responses from 75,306 undergraduate students about their technology experiences.
- Setting the Stage for Digital Engagement: A Five-Step Approach, EDUCAUSE Review, September/October 2014. The practical, pedagogical, and privacy implications of a smart, connected digital campus engaged with its constituents have yet to play out. To handle whatever comes next, colleges and universities must be well positioned today, with effective strategies in place.
- ELI 7 Things You Should Know About...
- Games and Learning, March 2014
- Flipped Classrooms, August 2013
- Makerspaces, April 2013
- Next-Generation Presentation Tools, January 2010
- Google Wave, November 2009
- Live Question Tool, April 2009
- Alternate Reality Games, January 2009
- Ustream, October 2008
- Wii, July 2008
- Second Life, June 2008
- Digital Storytelling, January 2007
Podcasts, Presentations and Videos
- Podcast: WMU's "Broncoland" is a Video Game for Student Success, This podcast features an interview with Kevin Abbott, project lead for 3D and interactive media at Western Michigan University, August 2013
- Continuous Improvement in Teaching and Learning: Open Learning Initiative (OLI) and Open Learning Net (OLnet), ELI Web Seminar, January 11, 2010
- Clickers and Peer Instruction: A Powerful Way to Improve Student Engagement and Learning, but Only If You Do It Right ELI Web Seminar, October 05, 2009
- GameQuest: Creating an Education Game Program for Higher Ed, presentation and podcast from the EDUCAUSE Annual Conference, October 2008
- Digital Story Making: Understanding the Learner's Perspective, presentation and video from the ELI Annual Conference, January 2008
Library Items on this Topic
EDUCAUSE Library Items for Student Engagement and Interaction
- 7 Things You Should Know About Gamification
August 10, 2011
Gamification is the application of game elements in non-gaming situations , often to motivate or influence behavior. The rewards or the spirit of competition can spur students' concentratio…
- Will Mobile Learning Bring a Paradigm Shift in Higher Education?
January 27, 2011
In the light of technology-driven social change that creates new challenges for universities, this paper considers the potential of mobile learning as a subset of e-learning to effect a paradig…
- New ELI 7 Things... Explores Gamification
August 12, 2011
Gamification is the application of game elements in non-gaming situations, often to motivate or influence behavior. The rewards or the spirit of competition can spur students' concentr…
- Video Primers in an Online Repository for e-Teaching & Learning
December 28, 2010
Instructional Consulting presents Dr. Curt Bonk, Professor in Instructional Systems Technology, Indiana University, in a video series addressing the design and best practices of Distance Educati…
- Strategic Directives for Learning Management System Planning
September 21, 2010
This ECAR research bulletin reviews theoretical and practical publications that explore individual components of learning management system (LMS) behavior and isolates the primary claims, functi…
- Through the Open Door: Open Courses as Research, Learning, and Engagement
August 5, 2010
© 2010 Dave Cormier and George Siemens. The text of this article is licensed under the Creative Commons Attribution License ( http://creativecommons.org/licenses/by/3.0/ ). EDUCAUSE Revie…
- Mobile Learning: Context and Prospects
May 6, 2010
On March 3 and 4, 2010, the ELI community gathered for an online focus session on mobile learning. This white paper is a synthesis of the key ideas, themes, and concepts that emerged from those s…
- E-Learning's 'Third Phase'
October 27, 2009
Will new partnerships between technology companies challenge Blackboard's dominance? Will new partnerships between technology companies chal…
- Teaching Without Walls: Life Beyond the Lecture
September 14, 2009
Malcolm Brown , EDUCAUSE Learning Initiative director, will moderate this web seminar with Michelle Pacansky-Brock , where she'll pull back the curtain on the classroom of the future…
- Engage, Inspire, and Enable: Getting to Know Desire2Learn
January 17, 2013
A session at the Mid-Atlantic Regional Conference
Desire2Learn is transforming the teaching and learning experience by engaging, inspiring, and enabling people to achieve their potential through innovative e-learning products and solutions. Duri…


text:
Though not a single human being appears throughout the entirety of Derek and Beverly Joubert's nature documentary "The Last Lions," the underlying message of the film is clear from the very beginning: we are to blame for the hardships we are about to see.
The film begins with a shot of Earth from afar and slowly zooms in as narrator Jeremy Irons notes how the spread of humans has left few untouched areas of wildlife. The setting is an unsettled area of Botswana where wilderness still exists as it should, though in closer quarters than usual. It is here that we meet our subject, a lone lioness referred to as Ma di Tau ("Mother of Lions"). The lack of human-free land has brought a rival pride of lions onto her land, so Ma di Tau must flee to a nearby delta with her cubs to protect them from the vicious rivals. What follows is a tale of struggle and survival that keeps you glued to the screen.
"The Last Lions" may be a nature documentary, but the story plays out like any human drama. Themes of family bonds, love, loss, betrayal, revenge, and acceptance come easily to the film, and the personalities of the animal "dramatis personae" are unmistakable. Ma di Tau is our protagonist, a determined single mother struggling to support her young, and the playful antics of her cubs provide humor and warmth. There are even villains: Ma di Tau is being pursued across the wetlands by Silver Eye, a rival lioness whose right eye Ma di Tau injured in an early fight, and a herd of dangerously aggressive buffalo is lead by the "Scar Faced Bull". Though you get the sense that clever editing manipulates the audience into seeing events and emotions that might not have truly been there, it doesn't matter one bit: the story that the Joubert's have crafted out of their footage is just plain solid.
The movie is not an easy watch. There's no euphemism here, no covering up the violence and loss that comes with life on the African savanna. It is brutally honest, quite bloody and at times incredibly heartbreaking, so young children might not be the best audience for the film. But if you can handle the unfiltered savagery of the African jungle, you will find this movie both enthralling and beautiful: not only is the story engaging, but the entire film is photographed so beautifully that even with only minimal colorizing and touch-ups in post-production you would swear that some of the scenes were created entirely by computer, like the opening shot of the Earth.
Of course, there is a bigger intention here than just creating a thrilling story: "The Last Lions" was produced by National Geographic and is here to remind us of the effects of human development and settlements. In the ending minutes of the movie, as the camera draws back out to reveal the lights of human cities and the clutter of satellites and space debris around our planet, Irons tells us that these animals we have seen are some of the last lions living in the wild, and that their numbers have dropped from 450,000 to just 20,000 in the last 50 years.
Proceeds from the film will go toward National Geographic's "Big Cats Initiative," which aims to help prevent the loss of habitat for lions and other large cats, who can require up to 100 miles of hunting ground for a single pride. For each viewing of the trailer on YouTube, $0.10 will be donated toward the cause up to 1,000,000 views (current views stand at about 150,000). You can also learn more or donate at CauseanUproar.org, or follow the organization on Twitter @CauseanUproar.
One Response to Review: 'The Last Lions' Tells A Brutally Honest Story
Being part of a project working and striving to breed endangered species in Botswana (www.limpopo-lipadi.org), I am so encouraged by your positive review of the Last Lions!
For us this movie is a work of art – a masterpiece!
A spark of hope that yet another group of people might fall in love with the breathtaking beauty of our African wilderness to ignite a new surge of safari enthusiasts, who once they visit Africa, and catch the Africa bug, will become more directly involved in our Big Cat Initiatives and anti-poaching rhino campaigns.
We cannot contain our excitement as The Last Lions movie might just boost our efforts to save another rhino or cheetah or lion for the next generation.
And I could not help myself conveying that excitement in my own short clip on youtube:
Thanks again for your positive review – may it become a blockbuster.


text:
Growing Potatoes in Boxes
I built 5, 3x3x4 potato boxes, planting a different variety in each box. I "hilled" with soil, compost and straw mixture. I coiled a soaker hose up the inside of each box and kept the plants well watered. The early maturing varieties did poorly with potatoes only in the first 12'' (7- 10 lbs/ box) The later maturing did better, (17-23 Lbs / box) the Purple Peruvian did the best with 30 lbs. But, even these were concentrated in the bottom third of the box. Any ideas how to increase my yield?
Thanks, Catherine
This method does not produce the hundreds of pounds suggested by the hype. There is much written on this forum and the internet concerning this myth. I myself tried several years with results similar to you. I now grow potatoes hilled in the garden and in plastic tubs with excellent results.
I tried the potato bin before I moved here. I also planted some extra seed potatoes along the edges outside my raised beds. IIRC, the bin didn't produce especially better than those planted as an afterthought.
This year, I tried the "instant bed" by pretty much putting down a small amount of leftover soil I had from filling the new raised beds, along with what compost I could muster up and mulched with straw. I won't be repeating that. It seemed the best "pockets" of potatoes were those in the most soil. I think I'm going to plant them in a more traditional dirt-hilled method next year.
This year's garden barely got planted, as we bought the house last summer, and have been remodeling. We ended up doing a kitchen remodel in the spring, when I had planned to do do the raised beds. I knew the way I planted to potatoes was iffy, but I had higher expectations for the yield.
Here is a link that might be useful: Tales of a Transplanted Gardener
It helped me to learn that late potatoes set tubers multiple times, so do well in hilling or mulching multiple times.
Early potatoes set once like determinate tomatoes.
More info http://www.potatogarden.com/
Here is a link that might be useful: yields of various potato growing methods
nice work corrine!
I have tried all the methods except the wire cage. The wooden box I would rate as a complete failure and the straw method nearly so as I had voles under the straw munching away on my spuds. My garden has raised beds without sides and I dig an 8" trench right down the middle for potatoes amd then hill a few times. Harvest is easy because the soil remain very loose in my beds. This method has given the highest yields. I also grow in containers and this method works fine. I use plastic tubs and grow bags. This past season I started a large gro-bag in my green house and then moved it outside when the weather moderated. I got an very early harvest in June and I liked that a lot I make lots of compost and I grow the potatoes in 1/2 compost and.1/2 sand and they do well keeping them evenly watered. Harvest time I just take the bin/bag to the compost pile and dump it out. Fun finding the Taters!!!
The gopher population where I live prevents me from planting in-ground. I have been growing potatoes (although, mostly garilc) in bins for over a decade. I get 13 to 15lb. of potatoes from each pound of seed.
I use 2X4 plastic coated wire fencing for my bins and they are 3' in diameter and 2' tall. The soil is between 16" and 20" deep. I continue to add layers of soil (usually just twice) as the potato vines grow up.
This method requires thoughtful feeding and regular irrigation. And no "dirt."
I thought of a few more things for potato success no matter the method.
-certified disease free seed potatoes
-fresh soil & compost mix without fresh manures (that hasn't grown any potatoes, tomatoes, peppers..)
-set mousetraps in covered boxes for vole control
-plant early & late season varieties
-have a plan for storage of harvest to avoid waste (rotten potatoes stink)
I've grown in garbage cans, raised beds, wire, cardboard boxes, and repurposed City of Seattle type green plastic cylinder composters... and in the ground hilling (greatest yield). When I run out of garden space for potatoes, I still use the various container methods & just expect a smaller yield -- mostly because I know they will dry out more & not get watered as well once the summer drought hits.
Easiest of all methods to keep them watered using soaker hose in large raised beds or in-ground plantings. The mulch helps, but doesn't omit watering in summer.
If in containers I manage to harvest every last tuber, but if in the ground or in raised beds there are always volunteers. Some years I've destroyed them all or replanted in another area. Last year, after harvest I remulched the beds since they were near & around fruit trees. I left the volunteers that grew & harvested a small amount so far. These potatoes had a bit of scab, but taste was fine. There is more in the ground that I will dig as needed. No work on my part other than turning on the soaker hose for the trees & rhubarb nearby.


text:
Welcome to Faithful Friends Animal Sanctuary
This Year's Semi-Annual Yard Sale is Coming Up on May 2nd!
We will be accepting donations for our yard sale fundraiser coming up this May starting this month. Check our our Community Events page for information on donations, drop offs, and location of the event. We look forward to seeing you there!
Faithful Friends Animal Sanctuary (FFAS) is an animal rescue group formed for the sole purpose of starting an animal sanctuary in Rowan County, North Carolina. For more about FFAS, visit here.
Stay in touch and join our mailing list today for FFAS newsletters, updates, and events!


text: Related news All News Articles Media Reviews 90° Resident Evil: The Marhawa Desire Vol. 3 gets cover, release date and more info 29d ago - The cover, release date and other details have been revealed for Resident Evil: The Marhawa Desir... | Culture Comments (0) GamerGaming Source 40° Watch Jill Valentine play Resident Evil live; talks creative process & Resident Evil 3 HD 37d ago - Julia Voth, the actress whose likeness was used for Jill Valentine has sat down with PSU ahead of... | PS4 Comments (1) Neoshockwave Source Ad Help Myriad get through Steam Greenlight! Now - Myriad is a twin-stick shooter that grows more beautiful the better you play, where you build and then destroy the game space in glorious chain rea... | Promoted post Read More SiteBot


text:
YUMA, Ariz. - Phyllis Ann Pickerill died Feb. 10, 2012 in Yuma, Ariz.
LARNED - Helen M. Brown, 92, died Feb. 19, 2012 at the Pawnee Valley Community Hospital in Larned.
GREAT BEND - Leo Rocha, 84, died Feb. 18, 2012 at his home in Great Bend.
HUTCHINSON - John "John T." Briscoe, Jr., 71, died Feb. 17, 2012, at Hospice House, Hutchinson.
GREAT BEND - Lila Marilyn Fuller, 84, died Feb. 18, 2012 at Great Bend Regional Hospital.
LARNED - Mary Louise Wilhite, 89, died Feb. 14, 2012 at Pawnee Valley Community Hospital, Larned.
LARNED - Berniece M. Hanson, 89, died Feb. 15, 2012, at Pawnee Valley Community Hospital, Larned.
Elsie Mae Pickerill, 69, passed away at the Minneola Long Term Care Center in Minneola on Monday afternoon, Feb. 13. Elsie was born on Sept. 12, 1942, in Ellsworth to John and Mildred (Mills) Ploutz. She graduated from Ellsworth High School. On Sept. 5, 1964, she was united in marriage to Gary Pickerill in Great Bend, where the couple made their home. One of Elsie's favorite activities was watching KU basketball.
ODIN - Irene M. Beran, 88, died Feb. 13 at Cherry Village Nursing Home in Great Bend. Born April 11, 1923, in Victoria, she was the daughter of Wendelin and Pauline (Dreiling) Dinkel. On June 16, 1948, she married August V. Beran in Victoria. He died May 4, 1966. A resident of Odin since 1948, coming from Victoria, and moving to Great Bend in 2005, she was a homemaker and served in domestic services.
Patricia M. Steadman Robl, 90, died Feb. 13 at Great Bend Health and Rehabilitation Center. Services are pending with Bryant Funeral Home.
WICHITA - Thelma M. Steincamp (Langrehr), 81, died Feb. 12 after a long, courageous battle with old age. She was a beloved wife, mother, grandmother (Ma), sister, aunt, and friend to all. Thelma had a special gift for friendships, a genuine interest in other people and made new friends everywhere she went. She showed a generosity and fortitude that did not waiver, even as her health failed.
BISON - Rodney D. Gisick, 67, died unexpectedly on Dec. 25, 2011. He was born the son of Clarence and Naomi (Reichel) Gisick, on April 28, 1944, in Bison. He was a 1962 graduate of Bison High School, and went on to study music at Bethany College in Lindsborg and the New England Conservatory of Music in Boston, Mass., where he earned a master's degree in voice performance in 1968. He was an active vocal performer and voice teacher for many years in New England, New York City and elsewhere, teaching at the University of Massachusetts and Amherst College.
ELLINWOOD - Rob Zimmerman, 54, died Feb. 13, 2012 at his home in Ellinwood. Born July 17, 1957 in Ellinwood, he was the son of Robert M. Zimmerman and Beverly A. Blehm Zimmerman. He graduated from Ellinwood High School in 1975 and attended Salina Vo-Tech. On Feb. 17, 1995 he married Tammy Bownes in Las Vegas, Nev. A long-time resident of Ellinwood, he was an oilfield truck for Duke Drilling, hay hauler for Mike Ringwald, and employed by Fastrack Trucking in Raymond.
HAYS - Dennis E. Harper, 67, died Feb. 10, 2012 at the St. John's of Hays Nursing Home.
RUSSELL - Kenneth Lorence "Larry" Nowak, 75, died Feb. 11, 2012 at Via Christi St. Francis Hospital in Wichita.
HOISINGTON - Mary Michael Looman, 58, died unexpectedly on March 8, 2015 at her home.
ELLINWOOD - Jean Robinson, 98, passed away peacefully at Ellinwood District Hospital on March 17, 2015.


text:
Latest photos
Photo detail
Renaissance groundbreaking
Max Miller, 1930s
Neil Morgan
Ernie Pyle
Joe Stone. Photo courtest of Stone Family.
Al Jacoby
Lionel Van Deerlin
Elephant seal.
Max Miller, 1941. San Diego Historical Society photo
Ken Harrison 3:30 p.m., March 26
Walter Mencken 2:09 p.m., March 26
Dorian Hargrove 12:30 p.m., March 26
Ian Anderson noon, March 26
Matt Potter 11:30 a.m., March 26
Dave Rice 10:30 a.m., March 26
Eva Knott 9:30 a.m., March 26
© 2015 San Diego Reader. All rights reserved. No part of this site may be reproduced without our written permission.
Each newsletter subscriptionmeans another chance to win!


text:
Here, we need to solvedifferential equation for several initial conditions.
For this we create a function M-file function
and save the file as steady-m.
Now, to solve the equation
for initial conditions
, over the interval.
We enter the code
This code substitute the solution in vector t and y.
Now, we plot the above solution by entering the following command at MATLAB prompt:
This provides the graph as below:
Which shows that each solution approaches a periodic steady-state solution.
Now, enter
To solve the equation in the interval.
Then, enter
Provides the following graph:
Next, enter
gives the following graph:
Chegg is one of the leading providers of homework help for college and high school students. Get homework help and answers to your toughest questions in math, calculus, algebra, physics, chemistry, science, accounting, English and more. Master your homework assignments with our step-by-step solutions to more than 3000 textbooks. If we don't support your textbook, don't worry! You can ask a homework question and get an answer in as little as two hours. With Chegg, homework help is just a few clicks away.


text:
The Canadian Press - ONLINE EDITION
Former New Brunswick fat cat turned international celebrity adopted
FREDERICTON - A frisky New Brunswick feline whose weight loss journey garnered international attention and helped raised thousands of dollars for a local animal shelter has found a new home.
Tiny, a loveable grey house cat with piercing green eyes, was adopted by his foster mother Nancy Garon on Saturday, one year after the astoundingly large feline was found inside a box outside the Fredericton SPCA.
At the time, he weighed 13.7 kilograms. He's now 7.5 kilograms.
LeeAnn Haggerty, the SPCA's education co-ordinator, said Tiny donned one of his signature bow ties for the big day — a custom crystal-studded black velvet piece.
"It was a special day," said Haggerty on Sunday from Fredericton. "It was a nice way for us to celebrate what we've all accomplished over the last year."
Since last January, Tiny has been diligently working to shed the pounds. He was put on a high protein, low carbohydrate meal plan — dubbed the "catkins" diet — of three cans of wet food and a quarter cup of dry food per day. He also exercises for at least 15 minutes.
Tiny was weighed weekly, photos and details of which were posted on a Facebook page called Tiny's Weight Loss Challenge that has nearly 4,800 friends.
His weight loss drew the attention of national and international media — including CNN and People magazine's website — as people across the world tracked his progress.
"I think it was shocking to everybody just how far his story has gone," said Haggerty. "We've received messages from all over the United States, the U.K., Australia — all over the world really."
Haggerty said Tiny will continue to work as an ambassador for the SPCA, raising awareness about pet health and the importance of adoption.
He's a happy, energetic cat that loves chasing laser pointers and being taunted by a feather wand.
"He loves to play," said Haggerty. "As he started to lose the weight, he definitely had more endurance and more energy and could play more."
Although he's part of the feline family, Haggerty said she thinks a lot of people see themselves in Tiny.
"We can all relate to weight issues," said Haggerty, noting the timing of Tiny's arrival at the shelter coincided with the season of new year resolution-making.
"I think we all have something that we can relate to in Tiny's story."
Fact Check
Have you found an error, or know of something we've missed in one of our stories?
Please use the form below and let us know.
Having problems with the form?Contact Us Directly
More Latest News
You can comment on most stories on winnipegfreepress.com. You can also agree or disagree with other comments. All you need to do is be a Winnipeg Free Press print or e-edition subscriber to join the conversation and give your feedback.
You can comment on most stories on winnipegfreepress.com. You can also agree or disagree with other comments. All you need to do is be a Winnipeg Free Press print or e-edition subscriber to join the conversation and give your feedback.
Have Your Say
New to commenting? Check out our Frequently Asked Questions.
The Winnipeg Free Press does not necessarily endorse any of the views posted. By submitting your comment, you agree to our Terms and Conditions. These terms were revised effective April 16, 2010.
- Back to Top
- Return to Latest News
More Latest News
(1 of 50 articles for this week)
Slideshow Jets fall flat in crunch time03/31/2015 11:13 PM 0
Photo Store Gallery
Most Popular
- Mandatory indigenous courses add value
- Demolitions planned to make way for new Hydro substation
- Cineplex Entertainment expands screening program for people with autism
- Study finds quarter of hockey helmets tested unsafe
- Transcona rated worst in city's litter index
- Free Press to roll out affordable, user-driven access to news
- Shane Luke doing it for dad
- More job cuts expected at U of M
- Rapist out on parole when he attacked again, court hears
- Chicago firm moves to acquire cabinetmaker with local ties
- Mandatory indigenous courses add value
- Pull suicide into light of day
- Zayn Malik says he was unhappy in One Direction but tried to keep going for the fans
- Local businessman has a plan for a Winnipeg without rail lines
- Maternity home to offer shelter to homeless pregnant women
- Demolitions planned to make way for new Hydro substation
- Cineplex Entertainment expands screening program for people with autism
- U of W approves indigenous course requirement
- Snowfall warning lifted, but be careful on morning commute
- Some schools closed due to snow, power outages
- Police help pull man from burning car
- Father fined for not helping injured son
- Court gives woman right to seek settlement years after she divorced man who became millionaire
- No olive branches from Manitoba premier who escaped caucus revolt
- Kids of comedian killed in crash that injured Tracy Morgan get $10 million Wal-Mart settlement
- Moose's return to Winnipeg appears just days away
- Mandatory indigenous courses add value
- Pull suicide into light of day
- 'American Horror Story' cast member Ben Woolf dies at 34 after street accident
- Family shattered by loss of four young sons
Ads by Google


text:
Properties in Burford, Tenbury Wells, Worcestershire between £150,000 and £160,000
- News feed
- Find us on Facebook
Droitwich Advertiser
Like us on Facebook
Properties in Burford, Tenbury Wells, Worcestershire
Gallery view List view Map view 2 properties found
- Print Page
- Share Results
To provide you with the best possible service we only show properties for which estate agents have provided full and valid postcodes. You may find more properties in our List or Gallery views.
£154,950 Sold STC 3 Bedrooms Holly Road, Burford, Tenbury Wells, Shropshire
This three bedroomed, semi-detached property is ideally located in the village of Burford, just 5 minutes walk from the market town of Tenbury Wells. The property benefits from gas central heating, double glazing, ample parking and an easily manageable ga
McCartneys Estate Agents - Tenbury Wells
£154,950 3 Bedrooms Holly Road, Burford, WR15
The spacious modern three bedroomed semi-detached house within level walking distance of the Town Centre Energy Efficiency Rating C
Franklin Gallimore
- Print Page
- Share Results
Moving House?
Local businesses here to help you:
- Banks and Building Societies
- Car & Van Hire
- Electrical Appliances
- Flooring
- Furniture
- Insurance Services
- Mortgages
- Removals
- Solicitors
- Storage
- TV Aerials
- All Businesses
Local advertisers


text:
Twinkies (and other things) did right by Black last year.
Long National Nightmare Nearly Over
Twinkies, Ding Dongs and Wonder Bread may soon be back in stores after a bankruptcy court judge on Tuesday approved sales of several iconic brands that had been owned by the failed Hostess Brands Inc. Buyout firms Apollo Global Management and Metropoulos & Co teamed up for Hostess's snack cake brands, paying $410 million for […]
Supercharged IPOs: Like Regular IPOs, But Slower
Lynnley Browning has an interesting article in DealBook about "supercharged IPOs" today. The gist is that some private equity portfolio companies go public, but keep in place agreements requiring them to pay over 85% of certain tax benefits that they receive to their former IPO owners. This, or so the argument goes, is both unfairsies […]
New Hostess Owners' Infallible Business Plan: Zach Galifianakis And Healthy Twinkies
Now that the Apollo and Metropolous & Co. have officially bought the Twinkie—in an auction that drew precisely one bid, theirs—the private equity firms have figured out how to turn around a company that other private equity firms couldn't/ran into the ground.
First, they're not going to rehire everyone. Second, they're going to outsource distribution. Lastly, and most importantly, they're going to hire Zach Galifianakis or Will Ferrell.
Twinkies Predictably Worth Almost As Much As Hostess Itself
So it looks like Apollo Global Management and Metropolous & Co. will be bringing back the Twinkie. And they're willing to pay almost as much for that right as Hostess said it was worth—all of it—when it filed for bankruptcy.
Dick Fuld Never Stops Pounding The Pavement
Last month it was lunch with Alan Schwartz, today this:
Howard Stern Has A Dream That Involves Leon Black Asking Him Why, If He Hasn't Been Drinking, Does His Breath Smell Like Beer?
"Leon throws some good parties, because Leon's worth like twenty gazillion, like twenty billion or something crazy, and for him, you know, a billion dollars is like ten dollars to us," Mr. Stern said on his Monday show on SiriusXM Radio, following Black's 60th birthday party in Southampton. Mr. Black sits on the company's board…Mr. […]
Apollo Global Director Might Buy The 76ers
According to ESPN, talks between current owner Comcast-Spectacor and Harris are "ongoing" and a deal is "imminent." [ESPN]
Hedge Fund Manager Elena Ambrosiadou Accused Of Hiring Extremely Skilled But Occasionally Scatterbrained Spy To Perform Recon On Former Employee, Ex-Husband (Update)
Remember Elena Ambrosiadou? She's the IKOS Asset Management chief who founded the London-based firm with her ex-husband, Martin Coward, in 1993, prior to their marriage hitting the skids and Coward quitting, which caused a bunch of investors to leave as well. Sometime after that Ambrosiadou made the executive decision to have the keys to a […]
Auction Failure, Auction Rate Securities
Auction-Rate Market Winners And Losers
As Credit Market Woes And Accounting Changes Drove Buyers Away, Some Firms Got Stuck Holding The Bag
Earlier this morning we discussed how changes in the way accounting rules treated auction-rate securities helped drive corporate investors out of the market. (For a rousing debate of exactly which accounting changes stamped out demand, click here.) Credit market concerns and the changes in the way auction-rate securities are treated on cash flow statements contributed […]


text:
- Award-winning customer service
- Free shipping on orders over $50
- 30-day no-hassle returns
- Authorized distributor
- 100% secure shopping guaranteed
Mercedes Benz S320 Car CoverWe have 3 Items In-stock. Select a year to continue.
- Free Ground Shipping
- Low Price Guarantee
For those vehicle owners who do not need protection from heavy weather, Triguard Custom Car Covers are a great choice. It is specifically designed for use in the garage or under a carport.
- Made of breathable yet water resistant 3-layer material
- Uses UV inhibitors to help reduce the deteriorating effects of the sun's rays
- Designed for light to medium weather
- Provides protection from dust and animal droppings
- Easy to store and soft on vehicle's paint
- Brand: Coverking
- Fit Note: Sedan
- Color/Finish: Gray
- Product Fit: Direct Fit
- Quantity Sold: Sold Individually
- Best Climate: Heavy rain or snow
- Car Cover Weight: Midweight
- Recommended Use: Everyday use
- Anticipated Ship Out Time: 10-11 business days
- Warranty: 1-year Coverking limited warranty
- 1994-1999 | All Engines | LWB, SWB
- APW Bestseller
- Free Ground Shipping
- Low Price Guarantee
Covercraft Block-It car covers provide good, basic protection to your vehicle's finish.
- Made of three soft inner and outer layers of spunbond, sandwiching the middle layer and protective film barrier that shields your car against water and most airborne pollutants
- Naturally moisture resistant and is breathable to reduce heat build-up under the cover
- Accentuated with a design that lets moisture, vapor, and heat easily escape
- Dries quickly
- Easy to use and will not shrink or stretch
- Recommends car cover lock
- Brand: Covercraft
- Color/Finish: Taupe
- Product Fit: Direct Fit
- Quantity Sold: Sold Individually
- Best Climate: Heavy rain or snow
- Car Cover Weight: Midweight
- Recommended Use: Everyday use
- Anticipated Ship Out Time: 2-3 weeks
- Notes: 2 mirror pockets
- Side Mirror Pockets: Yes
- Warranty: 3-year Covercraft limited warranty
- 1994 | All Engines | All Submodels
- APW Bestseller
- Free Ground Shipping
- Low Price Guarantee
Getting ready to store your classic or exotic vehicle for the winter? Cover your irreplaceable vehicle with a Wolf Ready Fit Block-It 200 Semi-Universal Car Cover for protection from dust and airborne contaminates. This well-designed car cover is rot and mildew resistant while remaining breathable. In addition to its indoor storage capabilities, this value-priced car cover is usable outdoors as well and will protect from dangerous contaminates such as acid rain, bird droppings, dirt and even tree sap. Made from durable high-tech U.S.A. made fabric, when it comes to semi-universal car covers, Wolf is the brand in demand by car owners around the world.
- High-tech polypropylene construction is moisture and dust resistant
- Constructed from 3 layers of made in the U.S.A. quality fabric
- Front and rear hems have sewn-in durable urethane elastic
- Strengthened scratch-resistant grommets
- UV-protection
- Double-stitched seams for longevity
- Exceptional breathability
- Perfect for long-term vehicle storage indoors
- Simple to install or remove
- Brand: Wolf Ready Fit
- Fit Note: 4-Door, Sedan, MULTIBOND
- Product Fit: Semi-Universal
- Quantity Sold: Sold Individually
- Recommended Use: Outdoor or Indoor Use
- Anticipated Ship Out Time: 2-3 business days
- Side Mirror Pockets: No
- Warranty: Wolf Ready-Fit 2 Year Limited Warranty
- 1994-1999 | All Engines | LWB, SWB


text:
Wow. A must see, a must stay, a must experience. There is no other b&b like this. What an amazing, beautiful, gorgeous, charming, elegant, & comfortable b&b. The owners have done such an exquisite job with the properties surrounding it as well. My husband and I celebrated our 5year anniversary at Casa Grandview with no regrets & full expectations to make it our yearly hide away. There is so much to do in the neighborhood within minutes which allows the stay to be worthwhile. The owners & staff were beyond helpful & respectful. I would recommend any and everyone to get away at this b&b. What a beautiful experience.
- Official Description (provided by the hotel):
- Casa Grandview, a five consecutive year AAA Four Diamond award winning boutique property, offers three unique accommodation choices in West Palm Beach. Choose from the historic bed and breakfast inn, spacious self-catering 1-3 bedroom fully equipped, separately licensed weekly vacation cottages or art deco suites. Accommodations boast an historic past with modern day necessities, featuring well appointed accommodations, located in the residential Grandview Heights Historic District, anchored between two major entertainment centers--CityPlace and Clematis Waterfront Districts, in Downtown West Palm Beach and a quick walk to PBC Convention Center. All accommodations have access to resort style amenities, accommodating the budget-minded to the most discriminating traveler. Relax and experience Old Florida style, in an intimate family-owned boutique style accommodation, offering a relaxed-laid back casual atmosphere, reminiscent of the small hotels of bygone years, without sacrificing the modern amenities we have come to expect today. This off-the-beaten-path resort is cherished by travelers worldwide, who value an authentic Florida vacation experience and gracious hospitality. ... more less
- Reservation Options:
- TripAdvisor is proud to partner with Expedia, Booking.com, Travelocity, Priceline, Hotels.com, Despegar.com, Odigeo and Tingo so you can book your Casa Grandview West Palm Beach 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.
- Also Known As:
- Casa Grandview Historic Luxury Inn, Cottages, And Suites
- Casa Grandview Historic Luxury Inn, Cottages, Hotel West Palm Beach


text:
Real Estate Industry
The Slow Road Home
The dent in the American dream of homeownership is proving difficult to undo.
Nearly seven years after the U.S. housing market collapsed, rates of homeownership remain below their peak of 69.2 percent, recorded in the final quarter of 2004, according to data from the U.S. Census Bureau. In the third quarter of 2014, the rate was 64.4 percent, down from 65.3 percent a year earlier.
While the housing market is expected in 2015 to continue its slow rebound, economists and industry observers question how sustainable it will be in the absence of more buyers.
Many buyers, especially first-timers, have been shut out by tight underwriting standards that block access to loans. Stagnant incomes also have deterred people, economists said. Unemployment fell to 5.6 percent at the end of 2014, but incomes slipped, with the hourly rate falling 5 cents to $24.57.
If and when homebuyers return, it is not clear whether homeownership rates will climb back to their peak, or fall shy.
"The housing bust did change the landscape of the housing market," said Daren Blomquist, vice president of RealtyTrac, an Irvine, Calif.-based real estate information company and online marketplace for foreclosed and defaulted properties. "So we're still trying to figure out what a healthy housing market looks like."
The risk is misjudging what counts for a healthy homeownership rate, he said. "Some players may be overestimating or underestimating what that normal rate should be."
"The housing bust did change the landscape of the housing market … we're still trying to figure out what a healthy housing market looks like." — Daren Blomquist, vice president, RealtyTrac
It's uncertain whether 2015 will produce a clear picture, considering all the factors at play in the housing market. In general, economists and industry observers expect home sales to rise in 2015 and prices to continue going up, albeit at a slower pace.
"It's not going to be a breakout year," said Doug Duncan, senior vice president and chief economist for Fannie Mae, based in Washington, D.C.
Pockets of Risk Remain
Fannie Mae predicts the volume of home sales to jump 5.4 percent in 2015, after declining 2.7 percent in 2014 due to a temporary spike in interest rates. Sales grew by around 10 percent in both 2012 and 2013. The median home price, meanwhile, is forecast to increase 4.9 percent, less than the 5.7 percent average appreciation in 2014.
If Americans start making more money, the numbers could go higher, Duncan said. But the income growth would have to last. According to Fannie Mae survey data, potential first-time homebuyers are concerned not so much about a lack of credit but about having their own finances in order before they sign a mortgage.
"They're wanting to be really ready before they make that plunge," Duncan said.
While higher interest rates later this year could suppress sales, economists remained optimistic. "If anything, the risks seem to be stacked on the upside," said Mark Vitner, managing director and senior economist for Wells Fargo Securities, based in Charlotte, N.C. "I don't think there's as much downside risk as upside risk."
One exception could be markets tied to energy production, especially in Texas. A sustained slump in gasoline prices, for example, could dampen the Houston housing market, one of the country's largest, said Jim Gaines, a research economist at the Real Estate Center at Texas A&M University in College Station, Texas.
It's also unclear whether the economic slowdown in Europe will spill over into the U.S., Gaines added. "We're not immune from these things."
In the meantime, the housing market may encounter other shocks.
One represents something of a hangover from the boom. Borrowers who took out 10-year interest-only mortgages between 2005 and 2007 face steep jumps in their monthly payments over the next three years, according to a report from Fitch Ratings.
Payment increases also could strike borrowers with adjustable-rate mortgages and those with loans modified during the bust, according to Fitch. Loans accepted into the government's Home Affordable Modification Program, launched in 2009, typically carry a lower interest rate for five years before resetting at a higher rate.
"It's just going to take some time for the market to completely resume its pre-2004 long-term growth rate and, frankly, I don't know that that's necessarily bad." — Jim Deitch, CEO, TeraVerde Management Advisors
Roughly 1.1 million mortgages are at risk, with interest-only loans facing the greatest potential payment shock, according to Fitch, which studied first-lien mortgages backing private label residential backed mortgage securities. Interest-only loans account for about 230,000 of the total.
Thousands of borrowers with home equity lines of credit also are looking at higher payments this year as the payback period on those loans begins, experts said.
Although loan defaults and delinquencies will rise over the next three years, the fallout should be limited, according to industry observers. Thanks to the downturn, lenders have plenty of experience working with troubled borrowers and won't foreclose at the same rate they did in 2009 and 2010.
"I don't see this as a systemic issue right at the moment," said Matt Hankins, a principal at Chicago-based Sterling Partners, a private equity firm whose holdings include a retail mortgage originator and a mortgage servicing company.
Borrowers have had opportunities to refinance at low fixed rates, minimizing the shock. Plus, their homes likely have increased in value over the last few years, giving them even more breathing room.
Others were less sanguine.
Keith Jurow, a real estate adviser and publisher of the Capital Preservation Real Estate Report, suspects lenders already carry large numbers of delinquent loans that have not yet been declared formally in default, especially in high-cost areas of California, New Jersey and New York. He wondered how much longer lenders can give borrowers a pass, especially if no buyers emerge.
"It looks like a recovery," said Jurow, based in Connecticut. "But when you go underneath it, it's not really. There's no solid foundation."
Recovery Depends on New Buyers
The ultimate foundation for the market is first-time homebuyers. And they remain absent, accounting for about a third of sales in 2014, down from a historical average of around 40 percent, according to data from the National Association of Realtors.
Picking up the slack have been investors purchasing single-family homes and converting them to rentals, but those buyers have largely tailed off.
"Without meaningful participation of first-time homebuyers in the homeownership ladder, the housing recovery may sputter," emailed Allen Jones, managing director at mortgage analytics and technology company RiskSpan.
"The low volume of new originations is creating a market disruption that will begin to impact the traditional move-up buyer because the pool of candidates coming from the entry level has decreased."
Most observers attribute the drop to tighter credit standards. While critics contend lending standards were too lax during the housing boom of the mid 2000s, others now say they are too stringent, driven in part by new regulations.
The rules, for example, spell out income-based limits on how much debt borrowers can carry, as well as how to document that income, said Jim Deitch, CEO of TeraVerde Management Advisors, a Lancaster, Pa.-based consulting firm that works with banks, mortgage lenders and other financial companies.
"Ultimately, people are afraid to make loans, particularly to first-timers, because of the legal risk and the lack of bright-line standards."
On the positive side, he said, more nontraditional mortgage lenders, including community banks and private-equity-backed lenders, are entering the market. Falling gas prices and rising rents could also entice people into buying homes.
But the math remains daunting for many. It's not just the prospect of debt, Deitch said. Buyers also face slower appreciation in home prices. After accounting for closing costs, they may lose money if they have to sell sooner than expected.
"I think that's holding people back," Deitch said. "It's just going to take some time for the market to completely resume its pre-2004 long-term growth rate and, frankly, I don't know that that's necessarily bad."
Where that growth rate ends up depends, in large part, on whether Americans continue to prize homeownership as a goal.
The government has moved to make it easier for first-time buyers. In early 2015, the Federal Housing Administration announced a cut in mortgage insurance premiums on loans from the agency, which go mostly to first-time buyers. Under an initiative from Fannie Mae, first-time buyers may qualify for down payments as low as 3 percent.
Despite the lures, many people may decide to continue renting, said Eric Sussman, a senior lecturer in the Anderson School of Management at the University of California, Los Angeles.
Down payments remain prohibitively expensive in some areas, and many young people already are carrying high levels of college debt. They will value the freedom to find a new job — and a new pad — someplace else.
"Those are really big and maybe not even temporary headwinds," Sussman said.
2014 Teddy Award Winner
Building Value With Trust
As they homed in on reasons they were spending enormous sums on workers' compensation claims, managers at Honda of South Carolina (HSC) knew they needed to make some changes. The challenge was figuring out exactly where those changes needed to be made.
A 2007 audit of their workers' compensation costs conducted by the company's corporate parent, Honda of North America, helped move the ball down the field, according to managers Wendell Hughes and Lucinda Fountain.
One glaring red flag identified was the tendency of injured employees to contact attorneys right away, a move that is almost always certain to increase a claim's cost and complexity.
"We were trying to understand what made them take that step," said Fountain, staff administrator for associates risk management at HSC. "We felt from all the information we had gathered that we had a breakdown in our system."
That breakdown turned out to be a fairly serious communications failure — a breakdown that started to occur immediately after an employee injury.
Company procedure up to that point had been that those who needed medical attention off-site were given rides by Honda security officers, according to Fountain and Hughes. After delivering the employee safely into the care of a medical provider, the security officer would return to the plant.
As for the claim itself, the company would let the employee know to expect a call from its third-party administrator, which would handle the follow-up from there.
Company representatives weren't always available to attend workers' compensation hearings, added Hughes, HSC's environmental, health and safety manager. Those sessions were often handled by the third-party administrator as well.
Giving these practices a long, hard look made company officials realize that their level of involvement might unintentionally be sending the wrong message to employees, said Hughes. In considering potential changes, managers asked what they would expect if they were injured.
"To associates, it may have seemed as if we were putting up a defensive barrier, although that was never our intent," Hughes said. Instead, HSC wanted procedures that reflected the company's principles, which are rooted in a concern for employees' well-being.
"The first 24 hours of that associate injury is going to make a big difference in how you manage that claim throughout the duration. So we try to do everything we can in that first 24 hours." — Lucinda Fountain, staff administrator for associates risk management, Honda of South Carolina
"They're truly an associate-centric company," said Lynn Williams, managing director at Tennessee-based Sedgwick Claims Management Services Inc., which counts Honda as a client.
Today, Honda of South Carolina takes a personal approach from the moment an injury occurs. If employees need to leave the plant for treatment, a manager or other employee accompanies them — and stays with them until family members arrive and other needs are met, which could include bringing meals.
The company also begins educating employees about the workers' compensation system immediately, letting them know the company will be a resource for helping them get care and navigating their return to work.
"The first 24 hours of that associate injury is going to make a big difference in how you manage that claim throughout the duration," said Fountain. "So we try to do everything we can in that first 24 hours."
The workers' comp process can certainly be confusing, said Beth Osterholt, a client performance manager at Sedgwick. She serves as a liaison to Honda. Adding to the confusion sometimes is the uncertainty about the workers' compensation system.
"If you have somebody there to support you," she said, "it's more comforting."
Honda's attention has focused not just on the first 24 hours, but also on the return-to-work process. HSC has identified numerous tasks that people can perform even if they are not ready to go back to their original positions at the plant, Hughes said.
Employees have handled administrative tasks, such as data entry for the training department, or sorting vehicle identification cards as they come off the production floor, Hughes said. "We don't create jobs," he said. "There's always something somebody can do."
Honda also began inviting doctors and other health professionals on regular tours of its facility, Hughes and Fountain said. The visits have made physicians more comfortable about allowing employees to engage in light or limited duty.
The difference is more than remarkable. The company recorded no costs for workers' comp in the first nine months of 2014. But it's showing up in less direct ways, too.
"We haven't had an associate get an attorney in years," said Hughes, noting that employees are readily cooperating with the company and returning to work more quickly.
The relatively hands-off approach that HSC used to follow is not uncommon, said Octavia Williams-Blake, associate vice president of occupational health at McLeod Health. Based in Florence, S.C., the health system works with many local employers, including Honda of South Carolina.
"We serve over 1,000 companies, and less than 10 percent actually send somebody here with the employee," Williams-Blake said. "Very few of them stay."
The corporate presence alongside injured employees provides several benefits, Williams-Blake said. It usually leaves employees with a better sense of what to expect from the workers' compensation process, and they are less likely to call lawyers.
"That then helps reduce your overall costs as it relates to workers' comp, but it also makes employees feel like you care," she said.
There are other advantages.Company representatives hear firsthand from doctors about an employee's injury and the expected treatment, Williams-Blake said. So employers spend less time tracking down physicians to confirm what they are hearing from employees, and less information gets lost in translation.
Still, she acknowledged, not every company has the resources to send someone along with an injured worker.
"They may see it as not productive. They're losing somebody from the line, or they're having to cover for somebody while they're with the employee," she said.
HSC has committed to the practice because they understand the value it brings for both the associate and the company. The proof is in the numbers: HSC's claims costs have plunged by 93 percent since 2009. Medical costs are down by 87 percent.
In addition to increasing personal attention, Honda's decision to bring doctors into its plant has made a positive impact, Williams-Blake said. Physicians tend to be conservative in their recommendations for return to work, and they often know little about working conditions beyond what employees tell them.
Knowledge of Honda's operations allows physicians to make a more informed judgment about what a given employee will come back to in the workplace, Williams-Blake said. It's also easier than reaching out after a doctor has made a decision a company doesn't like.
"Have you ever tried to call an orthopedic surgeon and try to talk to them about a job? It's tough," Williams-Blake said.
Safety's in the Details
Of course, the surest way to avoid those calls — and to avoid workers' compensation claims in general — is to create a safe work environment. And that has long been a top priority for Honda of South Carolina.
Injuries are down, thanks to an aggressive approach to finding and fixing the causes of workplace accidents, Hughes said. The company recently notched 4 million hours without a lost-time injury, and six months without a recordable injury at its plant in Timmonsville, S.C., where more than 900 associates manufacture all-terrain vehicles and multi-use vehicles.
Nothing is too minor to escape attention.
About 10 years ago, for example, Hughes noticed a relatively large number of arm scrapes. He realized the preventive measure was close at hand: rolling down the long sleeves on Honda's white uniforms.
He succeeded in implementing a policy requiring sleeves to be worn down. "You hardly ever see a first aid on arms anymore," Hughes said.
Today, team leaders must accompany employees when they require first aid even for injuries that merit little more than a Band-Aid, Hughes said. The idea is to address the cause of the injury immediately.
"If you wait, a day later or two days later, everything changes," Hughes said. But the conditions that triggered an accident may eventually return.
Another program, launched this year, underscores management's commitment to a safe workplace. Every two months, managers closely examine a production process to look for anything that might cause a problem, Hughes said. The company president, meanwhile, undertakes semi-annual safety tours.
Employees also are committed to safety, a mind-set Hughes has observed from his office right off the production floor.
"I get constant foot traffic from associates coming in and wanting to understand a process or raise a concern. They're very open about sharing their ideas," he said, noting that he is especially happy to see employees fixing problems before he even learns of them.
"That's when you know the safety culture is really taking root," he said.
Read more about all of the 2014 Teddy Award winners:
Building Value with Trust: Honda of South Carolina boosted its involvement with injured worker cases, making a positive first impression on employees and health care providers.
The TLC Behind the Roar: A proactive and holistic approach to employees' well-being has resulted in huge reductions in work-related injury claims for Harley-Davidson.
Quick to Act: Compass Group is lauded for its safety initiatives and for a return-to-work program that incorporates all of its business lines.
Healing the Healers: Teddy Award winner Cold Spring Hills Center for Nursing and Rehabilitation proved that even small organizations can make a huge difference in their employees' lives.
Cyber Risks
Seeking Clarity for Cyber Cover
It was a black-or-white question: Do you have procedures for responding to allegations of a privacy breach?
But the answer was a shade of gray for the University of Wyoming, which was applying this year for its first cyber insurance policy.
"The answer might be yes, we have procedures, but they might be different for our two medical clinics than they would be for the accounts receivable department," said Laura Peterson, chief risk officer for the university, in Laramie, Wyo.
Similar conundrums are confronting risk managers around the country as they apply for cyber coverage. Risk managers are finding that the cyber application process is more taxing than it is for traditional insurance — especially for organizations analyzing coverage for the first time.
It's the difference between buying a couch for the living room, and trying to install a home wireless network that syncs with computers, televisions and stereos, said John Mullen, chair of the U.S. data privacy and network security group at the law firm Lewis Brisbois. "It's just a whole different level of complexity."
"From our experience, many cyber applications are not designed with the typical small to middle-market firm in mind." — Reza Khan, executive vice president of ThinkRisk Underwriting Agency
Interest in policies has spiked over the last year, prompted by high-profile data breaches, including one that has cost retailer Target Corp. nearly $150 million to date. Insurance covered about $38 million of the total, according to the company.
When cyber insurance first emerged in the late 1990s, insurers sometimes hired third-party vendors to test the network security of organizations as part of the underwriting process. They also would schedule meetings with clients to review their cyber defenses.
Today, most insurers rely on applications boiled down as much as possible to yes-or-no questions. The forms serve as a handy checklist for cyber security efforts, according to brokers and insurers, but the answers don't come easily.
"Many customers are very uncomfortable with that binary sort of yes-no response because it's not 100 percent 'yes,' and it's not 100 percent 'no,' " said Greg Gamble, a director at Crystal & Company, a brokerage in New York City. "A lot of the time that we spend with clients is helping them pick yes or no, and then how to explain the answer."
Companies, for example, worry about how an answer looks to the insurer, Gamble said. An application might ask whether a company outsources its information security management to a qualified firm. "What if you say, 'no'? Is that bad?" Gamble said. "Maybe you have an employee who handles it."
Getting Cooperation
Risk managers also often have to hunt for the answers, whether from internal staff or external vendors. And colleagues in IT may perceive the application for insurance as second-guessing their efforts to protect data.
"I can understand why that would be a difficult pill to swallow," said Anne Corona, managing director and U.S. practice leader for cyber insurance at Aon Risk Solutions. "But I think everyone understands that this isn't a criticism, but an added level of protection, really, from a financial perspective."
At the University of Wyoming, Peterson contacted the IT staff to lay the groundwork before she started lobbing questions. She explained that cyber coverage was not a reflection of the department's work, but a necessary safeguard. And despite good intentions, accidents can happen, she added, just as they do in other university departments. An employee could click on the wrong link in an email, or lose a flash drive.
"We didn't have any trouble getting them to help us complete the parts of the application that we needed their help with," Peterson said, noting that she also needed assistance from administrators in other areas, such as finance.
One question asked for the percentage of revenue from credit card transactions, Peterson said. But revenue for a university is different than revenue for a business. Peterson put down 9 percent, and explained the sources of revenue, including state and federal funding.
Risk managers also must be alert to the ways a cyber policy could interact with their other policies and exclusions, brokers and insurers said.
"We want to give them as much information as possible," she said.
Since their answers could come back to haunt them in a coverage dispute, risk managers and other insurance buyers need to take extra care.
"If they make a representation in an application that they have certain security measures in place and those security measures aren't followed … or aren't actually in place, then the insurance company could conceivably use that as a basis to avoid coverage if there is a claim," said Brooke Yates, a partner in the litigation department at the law firm of Sherman & Howard in Denver.
Past breaches, if they're not reported on the insurance application, also could become an issue, said Tracy Tenorio, a senior vice president and account executive at ABD, a commercial brokerage in San Mateo, Calif. Insurers bind coverage on the understanding that the client is not aware of anything that could lead to a claim, Tenorio said. Questions about that awareness are often the first place an insurer will look after a claim.
"The good thing is that the carrier will often ask the client, 'OK, we need to talk about this because this is what I believed the risk to be; this is how you answered the question. What am I missing?' " she said.
Smaller companies, already worried about the perceived cost of cyber insurance, may be turned off by the application process before they even begin, said Reza Khan, executive vice president of ThinkRisk Underwriting Agency in New York City.
"From our experience, many cyber applications are not designed with the typical small to middle-market firm in mind," Khan said.
Easier Applications
ThinkRisk recently introduced a 21-question application for a new admitted cyber/privacy product. The questions reflect the company's concern that many firms won't understand typical cyber jargon.
"Quite frankly, when you're entertaining a $10 million dental practice, how much technical underwriting information do you really need to properly assess and price their exposures?" Khan asked.
Others are seeking to streamline applications as well. Allied World North America, for example, offers an application that asks for only a few questions if companies have less than 50,000 records, according to Josh Ladeau, cyber practice leader for the insurance carrier. Policies are capped at a limit of $1 million.
Companies may not fully understand how many records they actually have, Ladeau added. But Allied World is confident it has the underwriting experience to tell if a business is undercounting. "Even smaller retailers will have more than 50,000 transactions," he said.
Once they get through the application process, risk managers still have to sort through products that can be difficult to compare.
Approaches to notification costs are among the variables. Some insurers offer an overall sublimit, while others provide limits based on the number of people being notified, said Sheri Pastor, partner and practice leader for the insurance coverage group at the law firm McCarter & English in Newark, N.J. Some carriers require the use of prescreened vendors to deal with a breach, while others allow policyholders to choose their own.
"It is not unusual for a risk management department to take a long period of time to analyze these products, and then decide which to place," Pastor said. "Many companies can explore them for months, if not a year or more, with their renewal cycles coming and going."
Risk managers also must be alert to the ways a cyber policy could interact with their other policies and exclusions, brokers and insurers said.
Emerging risks are another factor to consider. Content liability is overlooked in many cyber policies, for example, but could pose a threat, said Ken Goldstein, worldwide cyber security manager for Chubb Group of Insurance Cos. Businesses could face claims if a competitor believes it is being disparaged in an online ad, or a person's image is being misappropriated.
"There's real claims activity in this area," Goldstein added.
At the University of Wyoming, Peterson grappled with decisions about breach-response and credit-monitoring services. Depending on the scope of a potential breach, the university might have to notify people in every state. It has 13,000 undergraduate and graduate students, as well as thousands of alumni around the country. In addition, thousands attend concerts, football games and other events at the university.
"You can listen to other people who have had breaches, but they're all very, very different, depending on whose information was breached and what information was breached and what state is affected," she said. "So it's really just hard to know."
Brokers have helped Peterson sort through the details. But, she added,
"Ultimately, it still comes down to me trying to assess what's most likely to happen here or, even if it's not what's most likely, it's where are the places where we're going to want the most assistance, and that's an institution-by-institution analysis."


text:
Our special coverage of the closest race for years
Explore the personal stories of Syrian refugees in Lebanon
29 May 2014 07:44 GMT | Politics, Egypt, Indonesia, Libya
Mohamed Elmenshawy is Washington Bureau Chief for Egyptian Daily Al Shoruok.
As the former Minister of Defence Field Marshal Abdul Fattah el-Sis prepares to assume his duties as Egypt's new president, the debate about Egypt's civil-military relations will be brought to the fore. Egypt's modern history demonstrated the inherent difficulties in achieving equilibrium between the historically powerful military and an ever-evolving civilian society. Conversations concerning the nature of the military's role in politics and the civilian government's level of oversight and authority over the armed forces are still considered taboo.
Both sides are apprehensive of a public discourse on the subject, but for different reasons. The military does not want a public debate, ostensibly out of fear that exposing military details would undermine its national security efforts. The military leadership is also wary of any shift that
As former Minister of Defence Field Marshal Abdul Fattah el-Sisi prepares to assume his duties as Egypt's new president, the debate about Egypt's civil-military relations will be brought to the fore. Egypt's modern history demonstrated the inherent difficulties in achieving equilibrium between the historically powerful military and an ever-evolving civilian society. Conversations concerning the nature of the military's role in politics and the civilian government's level of oversight and authority over the armed forces are still considered taboo.
Both sides are apprehensive of a public discourse on the subject, but for different reasons. The military does not want a public debate, ostensibly out of fear that exposing military details would undermine its national security efforts. The military leadership is also wary of any shift that could reduce its influence over politics or threaten its extensive economic network. Conversely, the civilian side believes that even opening a discourse would signal its acceptance of the military's dominance over political life and would legitimise the military's position.
The military took a more active role in political life after the Egyptian Revolution of 1952, when President Gamal Abdel Nasser established a regime dominated by military officers. Since then, the military has acted as a deposer, kingmaker, and powerful political and commercial entity. Today, the Egyptian armed forces occupy an unprecedented position in the country, and their influential position is only likely to be strengthened with Sisi's presidency.
State vs military?
The military has historically felt reassured by the presence of a political leadership with a military background. Only weeks before his resignation from the armed forces in order to become eligible to run for president, Sisi took the title of Field Marshal, the highest Egyptian military rank. The support of the Supreme Council of the Armed Forces (SCAF) for Sisi's candidacy illustrates its inability to remain neutral during political competition, and the ultimate election of Sisi to the presidency will only increase this military partisanship.
Without exception, both military and civilian forces claim they desire the realisation of democracy in Egypt. Yet it is common knowledge that one of the main pillars of a functioning democracy is the balance and separation of powers. In practice, this means that while several authorities hold power in the state, none of them dominates its political, executive and legislative affairs.
Two factors contribute to the imbalance of this separation of powers in regard to civilian-military relations in Egypt and make it difficult for the civilian polity to achieve a balance with the military forces.
The first is that the weakness of Egyptian civilian institutions and society's ideological fragmentation make it difficult for civilian political forces to present a strong, unified front and achieve a more balanced relationship with the military-security establishment.
The second involves regional complexities and conflicts following the Arab Spring, such as the Syrian civil war and the fragmentation of Libya. In the midst of such turmoil, there is a need for the military to keep the country secure. Thus, the military has been given greater power.
Egypt's recent constitutions have bestowed exceptional privileges upon the military establishment, allowing it to draw power away from the government's legislative, executive and judiciary branches. For example, the latest constitution requires that SCAF approve the appointment of the defence minister (who must be a military officer) for a period of two full presidential terms.
The constitution does not mention how to initiate a process to replace the defence minister, if necessary. Thus, the president cannot appoint the defence minister without offense's's approval, nor can he remove the minister without practice's consent. This gives exceptional power to the military over state matters.
The new constitution also states that civilians may be tried in a military court if the alleged offense involves military officers or property or if it was committed in an area under military jurisdiction. This vague definition has been broadly applied, and can be interpreted to justify trying a civilian in a military court for almost any real or perceived offense.
Furthermore, the defence budget is to be discussed only by a National Defence Council made up of top state and military officials. The constitution does not specify who has the power to approve the defence budget, meaning that in practice there is no oversight.
Egypt clearly suffers from a structural imbalance in its relations between the state and the military, which is a key issue for any transitional roadmap to democracy. A balanced relationship between the civilian and military forces of a democracy is built on the basis of civilian non-interference in military decisions, such as the manufacturing and purchasing of arms. Additionally, civilians should be prohibited from intervening in military job promotions, with the exception of the defence minister and the chief-of-staff. Civilian politicians also need to resist the temptation to politicise the military or to involve military institutions in party conflicts and political competition.
At the same time, military interference should be prohibited in political affairs at all levels, and military institutions must demonstrate professionalism and maintain political neutrality.
This is a difficult balance to strike, especially in a country such as Egypt, where the armed forces have played an important role in politics at certain points in history, and when so many of its modern rulers have come from the armed forces. Nevertheless, it is a balance that must be reached if Egypt is to avoid another authoritarian regime dominated by a convergence of political and military forces.
There are positive examples that Egypt can learn from. During Indonesia's successful democratic transition, the military lost representation in parliament as a result of a constitutional amendment. The Indonesian army is still involved in politics to a certain extent: It is inevitable for the military to retain certain powers that are not democratic in nature in order to move the democratic process forward. However, with every election Indonesia is moving away from its military-dominated past and observing basic principles of democracy and pluralism.
In Egypt's case, the election of Sisi is a step back and only time will show whether the country will be able to establish a strict balance between the civilian state and the military establishment.
Mohamed Elmenshawy is the Washington Bureau Chief for Egyptian Daily Al Shoruok.
Follow him on Twitter @ElMenshawyM
Source: Al Jazeera
Content on this website is for general information purposes only. Your comments
are provided by your own free will and you take sole responsibility for any direct
or indirect liability. You hereby provide us with an irrevocable, unlimited, and
global license for no consideration to use, reuse, delete or publish comments, in
accordance with Community Rules & Guidelines and Terms and Conditions.
Activists in the Czech Republic demand that a pig farm built over a former WWII era concentration camp be shut down.
Politics, War & Conflict, Human Rights
In religiously conservative Brazil, women risk jail time and their lives to undergo the procedure that is illegal but commonplace.
Health, Human Rights, Latin America
Trash is a fast-growing import in the Scandinavian country, which turns it into heat for people's homes.
Environment, Europe, Sweden
Critics say the UK's home secretary is using Muslims as a 'political punchbag' in a bid to shore up right-wing support.
Human Rights, Politics, Racism
It is a source of sustenance but also of tension and new political realities are now increasing uncertainty.
Egypt, Sudan, Middle East
A media post-mortem into the UK's surveillance report. Plus, why five years on in Argentina the media looks so familiar.
Media, Edward Snowden, Security
The untold story of how the Lebanese community overcame the odds and found their place in multicultural Australia.
Asia Pacific, Australia, Lebanon
How to keep a telenovela profitable and demanding sponsors happy while inspiring the production team to stay passionate.
Arts & Culture, Mexico, Latin America