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November 7, 2011 The CFPB Mortgage Servicing Examination Practice Group: Procedures Fail to Harmonize – Isn't It Mortgage Banking & Consumer Financial Products Ironic? By Jonathan D. Jaffe, Steven M. Kaplan, David I. Monteiro, and David A. Tallman The Bureau of Consumer Financial Protection (the "Bureau" or the "CFPB") was designed to provide a single, integrated federal approach to consumer financial protection. But with the October 13, 2011, release of its new Mortgage Servicing Examination Procedures (the "Procedures"), the CFPB appears to leave it up to scores of individual examiners to decide in their subjective judgment whether a company's loan servicing practices raise "unfair, deceptive, or abusive acts or practices" ("UDAAP") concerns. A federal government that is supposed to sing in one voice has not yet harmonized its employees. Even though these new Procedures remain a work in progress, the Bureau has indicated that it will begin examining servicers in accordance with the Procedures in the fourth quarter of 2011—that is, the quarter that started two weeks before the Procedures were released. In fairness, however, devising an entirely new set of examination procedures is a substantial project for a new agency, and the Bureau's willingness to fully disclose so much of its guidance to examiners shows laudable transparency. Further, although these Procedures offer servicers little comfort that the Bureau will exercise its examination authority in a uniform or predictable manner, they at least provide a starting point for servicers to begin conducting internal assessments. In this Client Alert we address what the examination process might cover generally, and address specific issues arising from the Procedures' treatment of UDAAP, fair lending and the Fair Debt Collection Practices Act ("FDCPA") in a mortgage loan servicing setting. We will issue shortly another Client Alert addressing the Consumer Risk Assessment process set forth in the Supervision and Examination Manual (the "Manual") and the Procedures, which is designed to assist the examiners in evaluating supervised entities based on the amount of risk their activities pose to consumers, identifying sources of risk, and assessing the quality of risk controls put in place by supervised entities. Background The Procedures, which are effective immediately, were issued as part of Version 1.0 of the Manual. The Manual is intended to describe how the Bureau will supervise and examine all consumer financial service providers subject to its jurisdiction for compliance with the federal laws subject to its examination authority1 (the "Consumer Laws"). However, the press release announcing the Manual focused exclusively on the Procedures. This emphasis should come as little surprise, since the Bureau has made clear in public comments and testimony that it intends to give particular scrutiny to mortgage servicing practices. As Raj Date, Special Advisor to the Secretary of the Treasury for the Bureau, succinctly stated in the press release issued in connection with the Procedures, "Mortgage servicing has a huge impact on consumers and is a priority for the CFPB."2 The CFPB Mortgage Servicing Examination Procedures Fail to Harmonize – Isn't It Ironic? At this preliminary stage of the Bureau's development, these Procedures apply only to servicers affiliated with very large depository institutions—i.e., those with more than $10 billion in assets.3 The Bureau does not have primary examination authority over smaller depository institutions, and it will not be able to exercise its direct examination authority over non-depository financial services entities until its Director is confirmed by the Senate.4 However, even servicers that are not affiliated with a very large depository institution should pay heed to the Procedures, as such servicers might be subject to CFPB examination under the Bank Service Company Act even before a Director is confirmed if they service loans under contract for a very large bank or its affiliates.5 It remains to be seen the extent to which the Bureau intends to exercise its examination authority over such non-depository service providers during this interim period. Procedure Modules The Procedures are divided into nine "modules" that represent different aspects of mortgage servicing—Transfers, Payment Processing, Customer Complaints, Escrows and Insurance, Credit Reporting, Privacy, Collections, Loss Mitigation, and Foreclosures. Within each module, the Procedures not only identify which substantive Consumer Laws apply to particular servicing activities, but also set out what the CFPB euphemistically refers to as "Other Risks to Consumers." Although the Procedures are careful to use hedging language, this "Other Risks" category appears to identify practices that the Bureau might consider actionable under its UDAAP authority. These "Other Risks" are interesting in two respects. First, the Procedures appear to signal the Bureau's intent to apply its sweeping new "abusive" acts or practices authority broadly and aggressively. Second, the Procedures offer some insight as to the types of compliance controls that the Bureau's examiners will look for. Consumer Laws The Procedures identify eight Consumer Laws that the Bureau has concluded apply to mortgage servicing activities. Examiners are expected to assess a servicer's compliance with each of these laws. These statutes and their accompanying regulations will be familiar to servicers and should already be an established part of their compliance programs. The laws include the Real Estate Settlement Procedures Act6, the Truth in Lending Act7, the Electronic Funds Transfer Act8, the FDCPA,9 the Homeowners Protection Act,10 the Fair Credit Reporting Act11, the privacy provisions of the Gramm- Leach-Bliley Act,12 and the Equal Credit Opportunity Act,13 as well as the implementing regulations of the preceding laws. In many cases, the Bureau simply instructs examiners to assess whether the servicer is complying with the laws, and gives a brief explanation of the law's requirements or prohibitions, without providing any substantive guidance or explanation. For example, the Procedures inform examiners in broad terms of RESPA's notice of transfer of servicing requirements, and Regulation Z's notice of transfer of ownership requirements, and then instruct the examiners to determine whether the servicer is properly providing these notices to consumers. But the Bureau does not provide much in the way of explanation. The Procedures also fail to address a number of Consumer Laws and other federal laws applicable to servicers, or fail to tailor the discussion of those laws to mortgage servicing. In some cases, this is because the CFPB does not have examination authority over certain laws that impact servicers (e.g., the Servicemembers Civil Relief Act and the Telephone Consumer Protection Act). But the Procedures omit provisions even under the Consumer Laws themselves. It is unclear whether the CFPB does not address those portions of the Consumer Laws as a result of haste, or because it does not intend to examine for those requirements. Further, while the narrative descriptions of the 2 The CFPB Mortgage Servicing Examination Procedures Fail to Harmonize – Isn't It Ironic? Consumer Laws in the Manual largely appear to be drawn from existing bank examination handbooks, some narratives contain information that is out-of-date or incomplete, or fail to incorporate key existing regulatory guidance, case law, or other interpretations. Perhaps these issues reflect the fact that the Manual is—as the Bureau acknowledges—a work in progress that it will refine over time. Regardless, the Bureau's failure to address many of the complexities that arise when applying the Consumer Laws to mortgage servicing activities will likely make it difficult for examiners who might be unfamiliar with these laws' nuances and ambiguities to apply them uniformly. In fairness to the CFPB, the Manual and Procedures advise examiners that they should consult with "Headquarters" to determine "whether a violation of a federal consumer financial law has occurred and whether further supervisory or enforcement actions are appropriate." UDAAP As noted earlier, Congress gave the Bureau authority to protect against "unfair, deceptive, or abusive act[s] or practice[s]" in connection with consumer financial products and services. The "Other Risks to Consumers" identified in the Procedures offer some insight into the potential application of the Bureau's UDAAP authority to mortgage servicing activities.14 While the concepts of "unfair" and "deceptive" practices have established meanings under Section 5 of the Federal Trade Commission Act (the "FTC Act"),15 the scope of the term "abusive" is largely new and untested. The Procedures track the Dodd-Frank Act's definition of "abusive" by providing that an abusive act or practice is one that: 1. Materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service; or 2. Takes unreasonable advantage of (i) a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service; (ii) the inability of the consumer to protect its interests in selecting or using a consumer financial product or service; or (iii) the reasonable reliance by the consumer on a covered person to act in the interests of the consumer.16 The Procedures imply that the Bureau might consider dozens of mortgage servicing practices to be unfair, deceptive, or abusive, or at least suggestive of UDAAP violations. While some of the targeted practices have an established legal basis in the "deception" standard under the FTC Act—such as the practice of adding optional credit products to the loan without the consumer's authorization—most appear to be predicated on the more amorphous "unfair" or "abusive" standards. The UDAAP-related portions of the Procedures contain two recurring areas of emphasis. First, the Procedures consistently direct examiners to evaluate whether borrowers are well informed about their accounts. Of course, almost by definition, this entails a subjective interpretation that the CFPB's examiners are likely to view through a normative lens—that is, viewed how the CFPB and its examiners would like servicers to operate rather than how the law requires them to operate. The Procedures also imply that virtually any action that a servicer takes that affects the amount due on the loan or that could lead to foreclosure must be disclosed to the borrower in a timely, clear, accurate, and understandable manner. Even though notices and disclosures relating to many of these actions are already prescribed by state or federal law, the UDAAP provisions of the Procedures could be interpreted by CFPB examiners—applying the UDAAP standard—to require even more extensive notices and disclosures. The Procedures also focus heavily on records that the CFPB believes servicers should create, maintain, and review throughout the life of the loan. 3 The CFPB Mortgage Servicing Examination Procedures Fail to Harmonize – Isn't It Ironic? The Bureau was careful to not expressly characterize any particular practices described as "Other Risks" as unfair, deceptive, abusive, or otherwise unlawful. However, the Bureau clearly regards them as suspect at best. Regardless of whether these practices should be prohibited as a matter of public policy or safety and soundness, it is not clear that the newly established Bureau has the expertise at this early phase to devise this kind of guidance. Further, it is unclear whether the Bureau has the legal authority to limit or discourage some of these practices through the supervision process. The three stated purposes of an examination under the Dodd-Frank Act are to (i) assess the examined company's compliance with the law, (ii) collect information about the company's practices and compliance systems, and (iii) detect new risks to consumers and markets.17 We believe the most appropriate method for the Bureau to establish that a particular act or practice is unfair, deceptive, or abusive is rulemaking under the Administrative Procedure Act. By doing so, all members of the public may provide comment so the CFPB can consider all potential ramifications, and seek judicial review when appropriate. In addition, the vague and ambiguous framing of these standards is likely to cause problems for the Bureau's staff. Different examiners will undoubtedly have different views of how to apply these "Other Risks" to particular servicers, creating the potential for inconsistent examination findings. This risk is especially pronounced with respect to mortgage servicing, a complex area with which some of the Bureau's new corps of examiners are likely not familiar. Well-intentioned but overzealous examiners might take the "Other Risks to Consumers" standards as license to impose unrealistic demands on mortgage servicers, and the structure of the supervision process will afford servicers little recourse. Of course, this always has been an issue with examiners from banking and other federal agencies. The principal distinction here is that the CFPB is expecting its examiners to interpret substantive UDAAP "law" that even courts have struggled with under existing federal and state standards. The CFPB is also asking its examiners to interpret the new and untested concept of "abusive" acts or practices, which is even more amorphous than the concepts of "unfair" and "deceptive" acts or practices. Policy Choices The Procedures' discussion of certain Consumer Laws raises additional issues that appear to arise more from considered policy choices than lack of forethought. While this Alert does not discuss every one of these substantive policy choices, we highlight below two particularly noteworthy issues. The first involves fair lending, and the second, the FDCPA. Fair Lending The Procedures expressly direct examiners to look for fair lending violations in connection with servicers' loss mitigation efforts, foreclosure activity, and marketing of optional credit products. Other federal regulators and enforcement authorities have also suggested in the past few years that loss mitigation and foreclosures are an area of significant fair lending risk, so this focus should come as no surprise. It is remarkable, however, how often the Procedures appear to frame the "Other Risks to Consumers" and other substantive legal requirements as fair lending issues. Most importantly, the Procedures incorporate disparate impact analysis into the examination process. This is troubling for several reasons. First, it is not at all clear that disparate impact is a viable legal theory under ECOA, even though other federal agencies, such as the Federal Trade Commission and the Department of Justice, have brought suits in federal court asserting ECOA liability under a disparate impact theory.18 Second, even to the extent a disparate impact analysis might apply, it is a 4 The CFPB Mortgage Servicing Examination Procedures Fail to Harmonize – Isn't It Ironic? nuanced theory that has been shaped by decades of Supreme Court precedent, and courts have not yet devoted significant attention to how the theory might apply to mortgage servicing practices. FDCPA The Bureau's summary of the FDCPA might signal that the CFPB intends to take an aggressive stance with respect to the application of that statute to mortgage servicers. Most notably, the Procedures contain a footnote that strongly suggests that the Bureau considers a debt to be "in default" when it is just one day late, assuming that the contract so provides. The issue is significant because the FDCPA does not cover a person who collects a debt that was not "in default" at the time that it was obtained by that person.19 The legislative history of the FDCPA provides that this exemption is intended to include "mortgage service companies and others who service outstanding debts for others, so long as the debts were not in default when taken for servicing."20 What constitutes a "default" for this purpose is subject to varying interpretations among courts and other regulatory agencies and, in fact, can vary depending on the terms of the promissory note, security instrument, and perhaps even guidelines of government agencies such as the Department of Housing and Urban Development. Unfortunately, the Bureau's footnote adopts the most limiting definition. The CFPB's apparent view of when a debt is "in default" is more stringent than that taken by some other federal regulators. For example, the Office of the Comptroller of the Currency ("OCC") considers the following factors, among others, when determining whether a debt is in default: (i) the creditor's customary policies and practices; (ii) the terms of the contract; (iii) determinations by the originator; and (iv) state law.21 Contrasting the OCC examination handbook to the Procedures, it is obvious the CFBP takes the more expansive view of the scope of the FDCPA. Planning for Examinations What can servicers do in the face of this uncertainty? Despite the Procedures' shortcomings, they do offer at least one critical insight for servicers who are, or soon will be, subject to the Bureau's examination authority. The Procedures emphasize the need for formal internal controls and compliance programs to a degree that servicers not used to being examined by banking regulators are not accustomed. Indeed, the Bureau's focus on a risk-based examination model illustrates how the quality of a servicer's existing controls could minimize the scope and intrusiveness of the examination. A handful of examples of formal compliance systems that the Bureau's examiners will look for are: Systems to ensure the accuracy of disclosures; Formal systems for resolving and tracking consumer complaints; Procedures to ensure that borrowers are not improperly assessed force-placed casualty insurance; Policies to limit the risk of harassment in collections activity; and Processes that consistently and fairly determine when a loan is referred for foreclosure. The more a servicer can show the Bureau that it maintains controls to mitigate compliance risks, the more likely it is the Bureau will allocate its examination resources elsewhere. It is no coincidence that the first stated objective of a mortgage servicer examination under the procedures is to "assess the quality of the regulated entity's compliance risk management systems, including internal controls and policies and procedures, for preventing violations of federal consumer financial law in its mortgage 5 The CFPB Mortgage Servicing Examination Procedures Fail to Harmonize – Isn't It Ironic? servicing business." Among other things, the Bureau wants to know that servicers will police themselves after examiners leave. This focus should be familiar to bank-affiliated servicers, but even those servicers should reevaluate their existing internal controls to ensure that they correspond to the Bureau's assertive take on the Consumer Laws and UDAAP. Non-bank servicers (for which a federal supervisory examination is a novel proposition) will probably have more time to prepare, but may want to at least begin to review their practices and controls now. Conclusion Mortgage servicers face a powerful new regulator that will soon begin conducting examinations through individual examiners who might not always sing from the same score. The Bureau seems to be using its examination authority as a way to discourage practices that it views as potentially unfair, deceptive, or abusive, without providing concrete guidance to examiners or examinees. If so, this poses heightened risks to servicers, because supervision is not subject to the transparency or judicial review inherent in the formal rulemaking process. Fortunately, the Procedures suggest that servicers can mitigate some of this uncertainty by developing robust and effective systems of internal controls. We appreciate the Bureau's efforts to draft comprehensive Procedures for such a complex area of law in such a short period of time, and we trust the sincerity of the Bureau's commitment to consider and incorporate feedback about the Procedures. Much of that feedback will certainly come in the course of examinations, but it would have been preferable for that input to come through the Administrative Procedure Act's rulemaking process—particularly when the Bureau does not have a confirmed Director. In any event, mortgage servicers might want to clarify and formalize existing policies and procedures, consider their current practices in light of the Bureau's UDAAP focus, and implement strong controls with an eye to the mitigation of compliance risk. Authors: Jonathan D. Jaffe email@example.com +1. 415.249.1023 Steven M. Kaplan firstname.lastname@example.com +1. 202.778.9204 David I. Monteiro email@example.com +1. 214.939.5462 David A. Tallman email@example.com +1. 202.778.9046 6 The CFPB Mortgage Servicing Examination Procedures Fail to Harmonize – Isn't It Ironic? 1 Those include the Alternative Mortgage Transaction Parity Act; the Consumer Leasing Act; the Electronic Fund Transfer Act, with one exception; the Equal Credit Opportunity Act; the Fair Credit Billing Act; the Fair Credit Reporting Act, with two exceptions; the Home Owners Protection Act; the Fair Debt Collection Practices Act; Subsections (b) through (f) of Section 43 of the Federal Deposit Insurance Act; the privacy provisions of the Gramm-Leach-Bliley Act; the Home Mortgage Disclosure Act; the Home Ownership and Equity Protection Act; the Real Estate Settlement Procedures Act; the S.A.F.E. Mortgage Licensing Act; the Truth in Lending Act; and the Truth in Savings Act. The CFPB might also enforce certain rules issued by the Federal Trade Commission and other agencies, including: the Telemarketing Sales Rule; the Rule Concerning Cooling-Off Period for Sales Made at Homes or at Certain Other Locations; the Preservation of Consumers' Claims and Defenses Rule; the Credit Practices Rule; and the Mail or Telephone Order Merchandise Rule. 2 Press Release, Consumer Financial Protection Bureau, Consumer Financial Protection Bureau Outlines Mortgage Servicing Examination Strategy (Oct. 13, 2011), http://www.consumerfinance.gov/pressrelease/consumer-financial- protection-bureau-outlines-mortgage-servicing-examination-strategy/. 3 See Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank Act"), Pub. L. No. 111-203, § 1025(a), 124 Stat. 1367, 1990 (2010). 4 See id. § 1066(a), 124 Stat. at 2055. 5 See 12 U.S.C. § 1867(c)(1) ("[W]henever a depository institution that is regularly examined by an appropriate Federal banking agency, or any subsidiary or affiliate of such a depository institution that is subject to examination by that agency, causes to be performed for itself, by contract or otherwise, any services authorized under this chapter . . . (1) such performance shall be subject to regulation and examination by such agency to the same extent as if such services were being performed by the depository institution itself . . . ."); see also Dodd-Frank Act, § 1025(d), 124 Stat. at 1991 ("A service provider to a [very large bank] shall be subject to the [examination] authority of the Bureau under this section, to the same extent as if the Bureau were an appropriate Federal banking agency under section 7(c) of the Bank Service Company Act, 12 U.S.C. § 1867(c)."). 6 12 U.S.C. §§ 2601 et seq. 7 15 U.S.C. §§ 1601 et seq. 8 Id. §§ 1693 et seq. 9 Id. §§ 1692 et seq. 10 12 U.S.C. §§ 4901 et seq. 11 15 U.S.C. §§ 1681 et seq. 12 Id. §§ 6801 et seq. 13 Id. §§ 1691 et seq. 14 While the Bureau might have the authority to examine financial institutions for UDAAP violations, it does not appear to have the authority to enforce its UDAAP authority until a Director is confirmed and in place. 15 An "unfair" act or practice is defined under the Dodd-Frank Act nearly the same as under the existing FTC Act standard as one that "causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers; and [as to which] such substantial injury is not outweighed by countervailing benefits to consumers or to competition." Dodd-Frank Act § 1031(c)(1), 124 Stat. at 2006; cf. 15 U.S.C. § 45(n) (providing that an "act or practice is unfair [if] the act or practice causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers themselves and not outweighed by countervailing benefits to consumers or to competition"); see generally FTC Policy Statement on Unfairness, appended to Int'l Harvester Co., 104 F.T.C. 949, 1070 (1984) (devising and explaining the standard later codified at § 45(n)). A "deceptive" act or practice is defined by established FTC policy as "a representation, omission or practice that is likely to mislead the consumer acting reasonably in the circumstances, to the consumer's detriment." See FTC Policy Statement on Deception, appended to Cliffdale Assocs., Inc., 103 F.T.C. 110, 174 (1984) (devising this standard and explaining the source and rationale for each of its elements). 7 The CFPB Mortgage Servicing Examination Procedures Fail to Harmonize – Isn't It Ironic? 16 Cf. Dodd-Frank Act § 1031(d), 124 Stat. at 2006. 17 Id. § 1025(a)(1)(A)–(C). 18 See, e.g., Complaint ¶ 13, at 4, United States v. C&F Mortgage Corp., No. 3:11-cv-653 (E.D. Va. filed Sept. 30, 2011) ("C&F Mortgage Corporation's policy or practice of giving its employees wide subjective discretion in charging overages and making available underages without requiring adequate documentation, monitoring, or training, had a disparate, detrimental impact on black and Hispanic borrowers compared to similarly-situated white borrowers."); see also K&L Gates Client Alert – The FTC Pursues Its Own Seat at the Table of Fair Lending Enforcement (Oct. 5, 2010), http://www.klgates.com/resources/xpqPublicationDetailKNLG.aspx?xpST=PubDetail&pub=6692. 19 Specifically, the FDCPA excludes from the term "debt collector" any person "collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity…concerns a debt which was not in default at the time it was obtained" by that person. 15 U.S.C. § 1692a(6)(F)(iii) (emphasis added). 20 See S. Rep. No. 382, 95th Cong., 1st Sess. 3, reprinted in 1977 U.S.C.C.A.N. 1695, 1698. See also Wadlington v. Credit Acceptance Corp., 76 F.3d 103, 106–07 (6th Cir. 1996); Kvassy v. Hasty, 236 F. Supp. 2d 1240, 1270 (D. Kan. 2002); Hamilton v. Trover Solutions, Inc., No. 01-650, 2003 U.S. Dist. LEXIS 8296 (E.D. La. May 13, 2003); Franceschi v. Mautner-Glick Corp., 22 F. Supp. 2d 250 (S.D.N.Y. 1998). 21 OFFICE OF THE COMPTROLLER OF THE CURRENCY, COMPTROLLER'S HANDBOOK: OTHER CONSUMER PROTECTION LAWS AND REGULATIONS, at 31–32 (Aug. 2009), http://www.occ.gov/publications/publications-by-type/comptrollers- handbook/other.pdf. 8 The CFPB Mortgage Servicing Examination Procedures Fail to Harmonize – Isn't It Ironic? K&L Gates' Mortgage Banking & Consumer Financial Products practice provides a comprehensive range of transactional, regulatory compliance, enforcement and litigation services to the lending and settlement service industry. Our focus includes first- and subordinate-lien, open- and closed-end residential mortgage loans, as well as multi-family and commercial mortgage loans. We also advise clients on direct and indirect automobile, and manufactured housing finance relationships. In addition, we handle unsecured consumer and commercial lending. In all areas, our practice includes traditional and e-commerce applications of current law governing the fields of mortgage banking and consumer finance. For more information, please contact one of the professionals listed below. LAWYERS Boston R. Bruce Allensworth firstname.lastname@example.com +1.617.261.3119 Irene C. Freidel email@example.com +1.617.951.9154 Stanley V. Ragalevsky firstname.lastname@example.com +1.617.951.9203 Brian M. Forbes email@example.com +1.617.261.3152 Andrew Glass firstname.lastname@example.com +1.617.261.3107 Phoebe Winder firstname.lastname@example.com +1.617.261.3196 Charlotte John H. 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Since the Global Crisis, critics have questioned why regulatory agencies failed to prevent it. This column argues that the US Federal Reserve was aware of potential problems brewing in the financial system, but was largely unconcerned by them. Both Greenspan and Bernanke subscribed to the view that identifying bubbles is very difficult, pre-emptive bursting may be harmful, and that central banks could limit the damage ex post. The scripted nature of FOMC meetings, the focus on the Greenbook, and a 'silo' mentality reduced the impact of dissenting views.
Stephen Golub, Ayse Kaya, Michael Reay, Monday, September 8, 2014
Stephen Hansen, Michael McMahon, Andrea Prat, Friday, June 20, 2014
Central bank transparency is essential to democratic accountability. Central bankers often limit it – fearing its stifling effect on frank debate. Yet transparency may induce monetary policy committee members to be better prepared. This column discusses evidence showing that the 'better prepared' effect is important empirically. Exploiting a natural experiment in the Fed Open Market Committee in 1993 – and using computational linguistics tools to measure the impact of transparency on deliberation – the research shows that the net effect is a more informative deliberation process.


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Just purchased a new Smith M&P 9mm. Any suggestions on an external laser sight system thats under $300. Yes...I will be shooting with the regular sights as well, but want to add a laser for some additional fun.
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Rear power sub harness
I've read a few places that you can tap into the harness in very back, passenger side that is normally connected to the sub. Has anyone used that for power when they didn't have the factory amp/sub? Which wire provides the power? Thanks
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Smit sounds out warning to All Blacks
September 7, 2009
Springboks skipper John Smit saw no reason to celebrate in Brisbane on Saturday © Getty Images
South Africa captain John Smit has backed his side to bounce back from their demoralising defeat at the hands of Australia and wrap up the Tri-Nations title.
The Springboks missed the chance to clinch the southern hemisphere crown for the first time since 2004 on Saturday with a resurgent Wallabies side notching a 21-6 victory in Brisbane. Despite the setback, Peter de Villiers side remain favourites for the title - needing just a point from their final game against the All Blacks in Hamilton this weekend.
Smit, however, insists the task should not be under-estimated - adding defeat to the Wallabies has served notice that there is still work to be done.
"We knew they [Australia] were going to be firing," he said. "No one loses four on the trot and just rocks up. They were always going to be far more formidable this weekend, and we still have our own fate in our hands. Rest assured the guys will be fired up for the final game in Hamilton."
Smit knows his side will need to create more pressure against the All Blacks after a faltering display with his side showing the signs of a gruelling Test schedule.
"It's hard to pinpoint why, but it was a game where we had moments of brilliance but we just couldn't put it together enough to create that pressure," he said.
De Villiers echoed his captain's sentiments ahead of the showdown with the All Blacks at a sold-out Waikato Stadium.
"I think we have now put more pressure on ourselves. New Zealand suddenly becomes a final for us," he said. "We just have to keep our feet on the ground, we know how it tastes to win games, we know how it tastes not to be successful. We take what we get and we rejoice that we don't have any injuries that will put us on the back foot. I've always said there's a little to choose between these three teams and on the day any team can win the game."
The Springboks sit well clear at the top of the table on 17 points ahead of the Kiwis on eight, with the Wallabies a further point back with one match remaining against New Zealand in Wellington in a fortnight.
Satisfied Australia boss Robbie Deans is hoping his side can kick on after snapping a four-game losing streak that had left them rooted to the bottom of the table. "We've got one more hit-out now and we'll really look forward to getting to Wellington and hopefully pushing on from here."
© Scrum.com
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Jones key to Wales World Cup plans
Huw Richards assesses where Wales are after a mixed Six Nations, with front row seats still very much available for the World Cup
Attacking revolution will be fleeting
John Mitchell lapped up the action on 'Sensational Saturday' - but warns not to expect a repeat come Rugby World Cup time later this year
Ireland, England are dangers if ...
Craig Dowd warns England, Ireland and Wales they should play to their strengths rather than those of the All Blacks and the Wallabies
Six Nations prospects for the World Cup
Tom Hamilton runs the rule over just where the six countries stand ahead of the global gathering in September


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Gelett Burgess
Frank Gelett Burgess was an artist, art critic, poet, author and humorist. An important figure in the San Francisco Bay Area literary renaissance of the 1890s, particularly through his iconoclastic little magazine, The Lark, he is best known as a writer of nonsense verse. He was the author of the popular Goops books, and he invented the blurb.
Early life
Born in Boston, Burgess was "raised among staid, conservative New England gentry". He attended the Massachusetts Institute of Technology graduating with a B.S. in 1887. After graduation, Burgess fled conservative Boston for the livelier bohemia of San Francisco, where he took a job working as a draftsman for ... more »
Click here to add this poet to your My Favorite Poets.
Gelett Burgess Poems
The Purple Cow
I never saw a Purple Cow, I never hope to see one, But I can tell you, anyhow, I'd rather see than be one!
A Woman's Reason
I'm Sure every Word that you say is Absurd; I Say it's All Gummidge and Twaddle; You may Argue away till the 19th of May, But I don't like the Sound of the Moddle!
The Goops
The meanest trick I ever knew Was one I know you never do. I saw a Goop once try to do it, And there was nothing funny to it.
The Floorless Room
I Wish that my Room had a Floor! I don't so Much Care for a Door, But this Crawling Around Without Touching the Ground Is Getting to be Quite a Bore!
My Feet
My Feet they haul me Round the House, They Hoist me up the Stairs; I only have to Steer them, and
The Lazy Roof
The Roof it has a Lazy Time A-Lying in the Sun; The Walls, they have to Hold Him Up; They do Not Have Much Fu
The Purple Cow: Suite
Ah, Yes! I Wrote the 'Purple Cow' -- I'm Sorry, now, I Wrote it! But I can Tell you Anyhow, I'll Kill you if you Quote it!
An Alphabet of Famous Goops
ABEDNEGO was Meek and Mild; he Softly Spoke, he Sweetly Smiled. He never Called his Playmates Names, and he was Good in Running Games; But he was Often in Disgrace because he had a Dirty Face!
On Digital Extremities
I'd Rather have Fingers than Toes; I'd Rather have Ears than a Nose; And As for my Hair, I'm Glad it's All There;
Nonsense Verses
1 THE Window has Four little Panes: But One have I;
I'd Rather Have Habits Than Clothes
I'd Rather Have Habits Than Clothes, For that's where my intellect shows. And as for my hair,
If aught that stumbles in my speech Or stutters in my pen, Or, claiming tribute, each to each,
If echoes from the fitful past Could rise to mental view, Would all their fancied radiance last Or would some odors from the blast,
Twine then the rays Round her soft Theban tissues. All will be as She says, When the dead Past reissues.
Quotationsmore quotations »
''To appreciate nonsense requires a serious interest in life.''Gelett Burgess (1866-1951), U.S. humorist, illustrator. "The Sense of Humor," The Romance of the Commonplace (1916).
Comments about Gelett Burgess
Maya Angelou
(4 April 1928 - 28 May 2014)
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(March 26, 1874 – January 29, 1963)
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(10 December 1830 – 15 May 1886)
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(26 April 1564 - 23 April 1616)
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(12 July 1904 – 23 September 1973)
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The Purple Cow
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Pronunciation: jdeš
Added on: 2010-09-17 Listened: 61 timesin: conjugate Czech irregular verbs
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London street food bites 2014
Right-o, I'm well aware that it's been a while since my last post on Jez Felwick's new street food joint in Shoreditch in September. Someone the other day asked if I still wrote the blog. The cheek of it! Well, the short answer is: yes. The longer answer is: I was off work for a […]Tags: Borough Market, Brick Lane, burgers, cheese, doughnut, healthy, Markets, pasta, pork, Real Food Market, rice, Southbank, Street Feast, tea, whitecross street, wholesome
Exclusive: new London street food kitchen from The Bowler
OK here's some really exciting news for you all. One of my earliest favourite London street food traders is Jez Felwick who, after quitting a life in TV, started up his own grass covered wagon, The Bowler, serving excellent meatballs with pasta, meatball subs and more. He and his black bowler hat have popped up […]Tags: kerb, Markets, meatballs, sandwiches, Shoreditch, Stalls, Trucks, Vans
100 London street foods: Berwick Street Market
Last week I took a few days off to have a holiday in London. This, I think, is one of the ultimate luxuries, as it enables you to scamper about in the city while everyone else is at work. You can delve into art galleries you never normally get into during the working week, linger […]Tags: cheese, Markets, meat, Morroccan, sandwich, Soho, Stalls, veg
How can more people eat London street food? More markets…
It has taken me a wee while to add Wapping Market to the London Street Foodie mix because we decided to review it in the paper and I didn't want to let the beans out of the bag on here first. The fact is that when I visited it a month or so with a […]Tags: doughnut, fish, fried chicken, pulled pork, sandwiches
Olivers at Hoxton Street Market
"Geezer, I need another traditional please," said one to the other after after I'd announced my order. "Comin' up, geezer," came the reply. Next to me two women who lived locally were rubbing their hands in satisfaction at having made it to the stall early enough to secure a salt beef sandwich. "So they're normally […]Tags: Markets, pickles, salt beef, sandwich
London street food events this summer
A new adventure has begun. Last week was spent packing up the room I had been renting in west London and saying goodbye to my friend and former flatmate who is about to get married. My plan for the remainder of the summer is to try living in areas of London I haven't yet been […]Tags: fried chicken, frozen yoghurt, ice cream, Korean, meat, pizza, ribs, sandwich, Stalls, sweet stuff, Trucks
The Frenchie at #Westival, City Pantry's new Kensington street food festival
For a year or so my colleagues have been joking that we should take over one of the streets outside our office off High Street Kensington and run a lunch time street food market. We'd call up all the traders we loved and then, wham bam, we'd have a party (easy!) and people from all […]
London Street Foodie On Tour: Berlin street food part II (smoked fish in a market hall and spätzle at a street food party)
After last week's taster of Berlin street food, here is the second and final instalment on what we discovered on a recent weekend trip there. MARKTHALLE NEUN Imagine an undercover hanger a little like the one at Borough Market. Then take out the crowds and minus a few of the trade stands. This is Kreuzberg's […]Tags: cheese, fish, Mac n cheese, Markets, Stalls, sweets, Trailers


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Celebrity Gossip & Entertainment News Leaders ®
Though it wasn't the obvious choice for a massively successful program, "Downton Abbey" has risen to the ranks of fan favorite over the past few years. And now it seems the PBS show will wrap things up at the close of its sixth season.
Executive producer Gareth Neame told press, "Millions of people around the world have followed the journey of the Crawley family and those who serve them for the last five years. Inevitably there comes a time when all shows should end and Downton is no exception. We wanted to close the doors of Downton Abbey when it felt right and natural for the storylines to come together and when the show was still being enjoyed so much by its fans. We can promise a final season full of all the usual drama and intrigue, but with the added excitement of discovering how and where they all end up."
Coming off the success of her denim campaign for Topshop, Hailey Baldwin is featured in Wonderland magazine's latest issue.
The 18-year-old poser was styled by fashion editor Anna Trevelyan and shot by photographer Matt Irwin in a series of spring ensembles along with some power tools and props.
Photo Credit: Wonderland
He managed to complete a 30-day alcohol rehabilitation program without setting off the tabloid alarms, and Jon Hamm is happy to be on the road to recovery.
In a new interview with Australia's "TV Week," the "Mad Men" star opened up for the first time about his treatment- "Life throws a lot at you sometimes, and you have to deal with it as much as you can. I've been very fortunate that throughout the most recent 24-hour period, I've had a lot of family and friends support me."
Following high-profile covers for Ebony and Marie Claire, Kerry Washington has landed on the front of The Edit's latest edition, and she's on fire!
The "Scandal" star shares that she used Twitter to divert attention away from the fact that she was giving birth last April. "Every Thursday within three weeks of my due date, I loaded up pre-tweets based on the episodes and what I would want to say. I tweeted in the very early stages of my labor. I figured that if I went completely silent on social media, then people would know I was in the hospital!"
Photo Credit: The Edit
It's been a crazy 24 hours, starting with Zayn Malik's announcement that he was quitting One Direction, and the remaining members are doing their best to cope with the change.
On Thursday (March 26) Liam Payne, Harry Styles, Niall Horan and Louis Tomlinson issued their own statements to their loyal fans, thanking them for their undying support.
She always has the craziest stories, and Chelsea Handler told Esquire magazine that more than a decade ago she almost fell victim to accused sex offender Bill Cosby.
The 40-year-old comedienne explained, "Oh, I was in Atlantic City playing, doing standup, and he was doing standup in Atlantic City in the same hotel, and at like three o'clock in the afternoon, someone from the hotel came down and said, 'Oh, you know, Mr. Cosby would really like to meet you up in his hotel suite.' And I thought, 'That's really weird.' This was like 10 years ago."
It's been a difficult season for Lena Headey as of late, but the "Game of Thrones" gal finds herself in a good place these days.
In her April 2015 cover story for MORE magazine, Headey explains that her 2012 divorce definitely knocked the wind out of her sails- "It's tough. There's a lot of hurt and sadness and disappointment. Grief. Massive grief. It's a mourning process, and yet nobody's died."
Photo Credit: David Slijper/MORE
He never takes himself too seriously, and Mitt Romney had a blast during his visit to "The Tonight Show Starring Jimmy Fallon" last night (March 25).
The former Presidential candidate opened up his time on the program with a silly "Mitt in the Mirror" sketch that involved Fallon (doing his Mitt impression) sitting on the other side of a mirror and conversing with the real Romney.
Photo Credit: YouTube


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ACE Fit Share
Build up your biceps and triceps with these simple arm exercises from the American Council on Exercise. Learn valuable how-to information and get expert fitness advice that will help you strengthen your arm muscle groups including the biceps, triceps and wrists. We have a wide variety of arm strenghtening exercises from the beginner to advanced level including the dumbbell bench press, triceps kick-backs, bicep curls and more. For full workout routines that feature arm exercises, check out our Workouts section.
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Summer is just around the corner and that means hot weather and a desire to look your best at the beach. Here are four foods to watch out for that can make you feel water-logged and get you into "bloat" trouble, along with four foods that can help you to look and feel light...
Injuries occur at any time and for any reason. If you get injured, you may not know how to proceed and prepare for exercise post-injury. This mind-and-body guide can help prepare you for a brighter, injury-free future in fitness and performance.
Are you just getting started with a fitness routine and feel unsure about how to train your core? Try these introductory core movements for beginners—once you've mastered these exercises you can continue with more challenging options that will not only strengthen your core,...
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Raised bed height?
I am building an 8 x 4 foot raised bed.
How high should it be?
I have done umpteen internet searches, and answers vary.
I would like to plant vegetables, lots of veggies of all kinds.
My backyard is typical suburban backyard with bluegrass. Perhaps the soil was amended to some extent when the house was built 10 years ago.
Answers to the following questions also vary -- any insight would be appreciated:
Should I dig up the turf underneath before filling raised bed with top soil?
Does it matter if the bed is on not quite level ground?
An 8x4 bed is not big enough to grow all kinds of veges but it is a start. I'm guessing that you are somewhat new to gardening and the first mistake most newbies make is to plant too many things.
How high it should be varies but 6 to 12 inches is common.
It probably would have been better if you started smothering the grass sooner but it's certainly not too late. So maybe it would be better to turn it over and then add your topsoil and whatever amendments as needed.
You should probably make your beds fairly level. So depending on what you're using as a border you probably need to do some digging.
I'd say at least 6" high but you can choose to go deeper if you'd like. Mine are about 15" high but I also have some that are less.
You'll want to level the perimeter but I wouldn't worry about the ground otherwise being level meaning level the box, leave the middle. You might want to sort of break up the ground - loosen it with a spading fork- then lay a thick layer of newspaper or cardboard to smother the grass underneath then fill. You'll want to add some organic material or compost to your soil. There are a ton of options what to do there too :-).
Here is a link that might be useful: Tales of a Transplanted Gardener
I did it b/c I didn't think the soil underneath was very good. I also filled my beds lasagna-style so I needed to add lots of material as it would break down a lot during the season. I'm not sure I had to go that deep though, 8-10" would probably have been fine.
I've done some other planting spots (not full-fledged beds, planting "rings") that are only about 6" or so of organic material on the soil. (click the link below to see what I did with those).
Here is a link that might be useful: Rings
The main issue here is that the more soil you have, the larger water reservoir you have. You will be watering less with greater depth. And raised beds - altho warming up earlier and staying warm later - need to be watered more often. If it were me, I'd do at least12" and it will be less painful bending as well. Your raised bed - depending upon where you site it - may also allow you to do greens over the winter as well. More depth will make that more likely.
I built a 4x8 raised bed last year in my back yard and it's been great. We used 2x8s, so 8" tall. We removed the sod, leveled it out the best we could, and built it. Used posts to anchor it and help level as well, and end caps to help finish the look. Also used deck sealant to protect the wood.
It probably does't have to be level, but it helps. We then dug / turned over the native soil underneath, probably 12" deep. Bought about a dozen big bags of garden soil, added them in, and mixed it all up with the soil that was there before, so probably 18" total, 6" above the ground. Results were amazing. If I think about it, I'll try to upload a picture so you can see it, but I'm sure you could find plans online if you needed them.
This year I added a few bags of compost/manure and mixed it in well.
I tried a 12" deep bed to start but lowered it to 6" when I rebuilt them. My garden gets full southern sun and has total wind exposure, and the deeper beds (which were also thinner wood) dried out really, really fast. Since moving to shallower beds with thicker wood, the soil stays a bit moister and cooler in the middle of summer, which in my situation is a plus.
I am a devotee of cinder blocks for raised beds, which makes mine 16" high. It's a nice height to sit on while working. I do not remove sod, but smother with newspaper and then lasagna the bed. It's very easy and gives excellent results. I think cinder blocks + lasagna method + mulch galore makes the easiest way to grow vegetables and gives good results.
I have read that many veggies have tiny root systems that extend further than you would think, so deeper is better.
Autodidact did a similar thing that I did.
I made my 4x4 beds 8" high and my 6x4 beds 12" high.
Look into lasagna gardening.
Soak a large section of newspaper, spread it out over the grass. Then layer green and brown. You will get wonderful wet soil and have earth worms galore. I layered mine like this: newspaper on the bottom, then seasoned cow manure, leaves, seasoned cow manure, leaves. The top layer, I mixed seasoned 1/3 cow manure with 1/3 vermiculite and 1/3 peat moss. This is a bit out of square foot gardening. I didn't have compost or I would have used that instead of the seasoned manure.


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Mike takes a practical approach to problems; he is a straight-shooter who has been able to assist me and my company with a broad range of business issues. I have particularly appreciated his candor in admitting what is outside his range of experience/expertise.


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Mecacci calls for release of human rights activist in Belarus
COPENHAGEN, 1 September 2011—Matteo Mecacci (Italy), chair of the OSCE Parliamentary Assembly Committee on Democracy, Human Rights and Humanitarian Questions today called on Belarusian authorities to immediately cease the harassment of human rights activists, including Ales Bialiatski.
Bialiatski, president of the Human Rights Centre Viasna, an unregistered NGO working to promote human rights and democracy in Belarus, has been detained by the authorities on charges of tax evasion connected the organization's bank account in Vilnius, Lithuania.
While a handful of political prisoners connected to the December 2010 post-election demonstrations have seen charges against them dismissed, many others remain behind bars.
"It is unacceptable that in the heart of Europe, civic activities, such as those of Viasna continue to be criminalized. The arrest of Mr. Bialiatski is arbitrary, and he should be released immediately," said Mecacci.
Mecacci's statement lends further support to the OSCE chair-in-office and others in the international community who have called for Belarus to release all political prisoners and to allow representatives of civil society, human rights defenders and independent media to work without fear of retribution and harassment by the authorities in Minsk.
The Belarusian Criminal Code prohibits individuals from acting on behalf of an unregistered organization, one of several violations of the country's OSCE commitments on human rights and fundamental freedoms.
Senato del Partito Radicale
Roma, 8/9 febbraio 2014
- dall'intervento di Maurizio Turco, Tesoriere del Partito Radicale (pdf)
- Il dibattito dell'8 e 9 febbraio [primo giorno] [secondo giorno]
Roma, 14 dicembre 2013
Archivio storico foto
Daniele Capezzone, Marco Pannella, Matteo Angioli, durante una conferenza stampa al presidio radicale davanti a Montecitorio, a circa 11 ore dall'avvio dello sciopero della sete di Pannella, per il ritorno della Camera dei Deputati alla legalità costituzionale. (Dietro di loro, Simone Cerniul, Nicolino Tosoni, e ???).
Iscritti e contribuenti 2015
|Antonio C. Napoli
|413 €
|Elena M. Brescia
|100 €
|Ferdinando B. Bologna
|100 €
|Teresa R. Trani
|145 €
|Alberto Lorenzo R. Madrid
|30 €
|Alessandro M. Roma
|200 €
|Sabina G. Roma
|200 €
|Mario P. Perugia
|250 €
|Nicola B. Bernalda
|1.000 €
|Amedeo F. Pieve Ligure
|365 €
|Total SUM
|251.221 €


text:
two wheeler on road prices
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New Cars
Ferrari California
Ferrari California is a Two-Door car which is powered by a 4297 CC engine. The car has a Automatic type of transmission/gearbox. The car runs on Petrol and sports a mileage of 0.0 Km/L. The dimensions of Ferrari California are 4563X1902X1308 mm (length X width X height). Ferrari California is priced at Rs. 2,20,00,000 (ex-showroom, New Delhi). ... read more
Porsche Cayman
Porsche is know for making the 911 sports car which is recognised as an icon all over the world. But the not so big secret is that the Cayman, the fixed top Boxster is smaller, nimbler and a big match for the iconic 911 in its own right. While the 911 has become a more luxurious sportscar, the new C ... read more
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It is like devil on road ...... It is very powerfull .....1600 cc engine Best car in low price ... read more
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I own a ford fiesta from past many years. I pretty much liked infact loved this car in the starting years as it has nice power. It is very good to drive it on highways on high speeds due to its heavy weight that makes it stick to the road and doesnot make you feel as if you are running it so fast. read more
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Snapdeal, India's leading online marketplace has collaborated with the Mahindra to sell the laters two wheeler online. This is for the first time in Read more detail
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Please help me decide on best two wheeler, with bext mix of performance, style and milage
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BMW S1000R is the evil twin brother of the S1000RR superbike. It has an aggressive design and brings the best of BMW styling. Despite being new on the naked high performance motorcycle scene it offers incredibly good amount of features and demands your respect the moment you see it. It comes with a ... read more
New Car Dealers
Mandovi Motors Pvt. Ltd.(Wheeler Road Cox Town) ( Maruti)
No: 132, Wheeler Road Cox Town, Bangalore - 560005, Karnataka., Cox Town
Phone: 080-41253434
Phone: 080-41253535
United Motors ( Tata)
On Garbada Road, P B NO. 11 S.H. NO. 62 Pin -389 151, On Garbada Road
Phone: 02673 240976
Phone: 02673-241976
Mobile: 98250 44233, 98242 09966
Used Car Dealers
Mandovi Motors Pvt. Ltd
No:132, Wheeler Road, Cox Town, BangaloreBangalore, Cox Town
Phone: 080-41253434
Sundaram Motors
107, Kasturba Road, Bangalore.Bangalore, Kasturba Road
Phone: 080-22210327
Phone: 080-22210328


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Chicago Fact: The Loop is so named because Chicago's elevated train tracks (locals call it The El) surround the area.
TOLEDO, Ohio - Megabus.com, a non-stop intercity express bus company, is now offering fares as low as $1 to Toledo travelers via the Internet. The Toledo megabus.com arrival and departure area will be located at the TARTA bus stop and shelter at the south side of the Southwyck hopping Center, at the corner of Southwyck and Cheyenne Blvds.
Megabus.com, a subsidiary of Coach USA, will offer daily non-stop, express bus service between Toledo and Chicago, as well as, daily trips from Toledo to Cleveland. Passengers can begin booking on July 28 for travel beginning on September 12, 2006, the official start date of service for Toledo. Megabus travel is booked exclusively online at www.megabus.com.
Toledo is the first new city to be added to the megabus.com service schedule since the company started operations in the United States on April 10, 2006. Other cities served by megabus.com include Chicago, Cincinnati, Cleveland, Detroit, Indianapolis, Minneapolis, Milwaukee and St. Louis. Megabus.com also operates similar bus services in the United Kingdom.
This new transportation option offers customers who act early a chance to purchase tickets for as low as $1.
"Our Toledo service will work the same as the other cities serviced by megabus.com," said Dale Moser, president and chief operating officer of Coach USA. "Passengers who book travel far enough in advance will have the opportunity to receive low-cost tickets."
Megabus.com's booking system makes available tickets from $1 for a limited number of seats. Customers booking later will pay competitive fares.
Since its start date of April 10, 2006, megabus.com has had almost 1 million visitors to the Web site and has provided city-to-city, express bus service to over 90,000 passengers. "We have had tremendous success in our other megabus.com cities," said Moser. "We were looking to expand into another Midwest city and we decided on Toledo because of the numerous requests we received from its citizens."
Megabus.com provides information on arrival and departure times for Toledo as well as other cities and allows passengers to quickly book their travel and purchase tickets from the comfort of their home, office or wireless handheld device. Go to www.megabus.com to book your travel today.
About megabus.com
Megabus.com is the first non-stop intercity express bus line delivering high-quality low-cost travel options to nine Midwest cities for as low as $1 via the Internet at www.megabus.com. Service for megabus.com operates daily between Chicago and Cincinnati, Cleveland, Detroit, Indianapolis, Milwaukee, Minneapolis, St. Louis and Toledo. Service also operates between Indianapolis and Cincinnati as well as Toledo and Cleveland. Megabus.com is a subsidiary of Coach USA. Coach USA owns and operates more than 20 local companies in North America that operate scheduled bus routes, motor coach tours, charters and sightseeing tours.
Media inquires, please contact Travis Whittington, 515-224-1086, email@example.com


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Standby Electric Power Systems for Agriculture (B 1174)
In agriculture, electricity is utilized to control the environment and maintain the life of livestock, poultry and plants, and to prevent food spoilage, avoid financial loss due to failures in harvesting and sorting, and as security of the farm capital investments. A standby power system should be considered as a form of insurance, with the cost of installation and maintenance compared with the potential loss as a result of an extended power outage. A properly sized, installed and maintained standby electric power system can eliminate most of the financial losses and inconveniences resulting from a power outage.
This publication is not currently available. Contact the author(s) for more information about this publication.
Status and Revision History
Published on Mar 1, 2000
Re-published on Feb 20, 2009
Re-published on May 14, 2009
Reviewed on Feb 16, 2012
Expired on Feb 28, 2015


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School Hours: 8:00am - 3:00pm
2016-2017 Draft Parent Calendar
New Bus 4 Route - Starting February 9th
8th Grade Parent Meeting Information
2014 Illinois Report Card at a Glance
2014 Illinois Report Card Fact Sheet
Respiratory Illness Enterovirus D68
Board of Education Dates 2014-2015
Extra-Curricular Activities & Sport Schedules
ILS English Language Arts Fact Sheet November
In an attempt to continue to go green Culver School has developed an online Bulletin Board. All flyers will be placed online as they are received. We will send weekly updates as newer flyers are added. If you would like to see a flyer added and you are a non-for-profit or governmental agency please contact :
Quick Links
TLC -- Culver's afterschool District 63 enrichment program
Student Links
|Website most compatible with Chrome and Firefox browsers
Community Board
Culver FlyersYouth Activities: Save the Date - Bike Niles Fest Dollars for Scholars Scholarship Join Girl Scout Join Boy Scout Troop 175 Niles Teen Center News - Winter 2014-2015 Niles Teen Calendar - Winter 2014-2015 Culver Pride Parent Info : ELL Parent Center Spring...
....Read More
Bulletin BoardWelcome to the Community Bulletin Board, this is where you can come to find all the District 71 Bulletins! March 19th, 2015 Soundings Fall 2014
Culver Calendar
Lunch Menus
Contact Info
Culver School
6901 W. Oakton
Niles, IL 60714
phone: 847-966-9280
fax: 847-966-1478
School Hours: 8:00am-3:00pm
Office Hours: 7am-4pm
Amy Kruppe, Ed.D., Superintendent
Mrs. Peggie Maniscalco, Principal
Ms. Laura Guarraci, Director of Student Services


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We are currently hiring 7 Seator Ford Galaxys For More Information Click Here
LUTON RANGE - Ford Transit 350 Luton Van With Tail-lift Or Volkswagen Crafter 350 Extra Long & Extra High (No Tail-lift)Read more
Our website is currently under development. Our team are in the process of re-designing the website to provide you with the best possible service.
Model: FORD 17 SEATER
Model: Galaxy
Model: Hyundai iLoad
Model: Volkswagen Crafter


text:
What Shakespeare's English actually sounded like
The final nail in Scientology's coffin?
The Germanwings crash, and the folly of risk analysis
The real costs of foolish plans to 'secure' the border
How did Nancy Pelosi get reelected?
Can students carry guns on college campuses in your state?
Baked Alaska
The troubling implications of believing our rights don't come from God
Germanwings co-pilot may have had vision problem
Kentucky, Wisconsin advance to Final Four
Germanwings airline pledges initial payments of $54,450 per victim to families
The world's fastest rollercoaster


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Say if you do 4 sets of 10 reps, do you do 4 sets of 10 reps at 135 pounds?
Or would you ramp it up doing 45x10, 95x10, 125x10, 145x10.
So is it better getting more work in for repetition work at 135 pounds or is it more important getting that heavy set in at 145 pounds?
Also should the last set for repetition work be taken to failure? Say 135x15 for the former method and 145x12 for the latter method?


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Steps to improve traffic system soonComment · print · T T T+· T- K. Annamalai, Superintendent of Police, has said that the district police would take major steps to improve the traffic system in Udupi soon. Interacting with presspersons here, Mr. Annamalai said the ... The Hindu, 1 week ago
District to ban tobacco products in public places - Deccan Herald, 1 month ago
Udupi: SP Annamalai K Releases 'Media Stickers' at press club
by MR and Flavin DSouza, Team Mangalorean Udupi: The release of media stickers for vehicles used by journalists was held at the press club here on Thursday, March 19. Ganesh Prasad Pandelu, Secretary of Udupi District Working Journalists ...Mangalorean, 1 week ago Exclusive: Aim to make Udupi police a model of honesty - SP Annamalai Daiji World, 1 week ago Udupi: In the Interest of Maintaining Law and Order, Administration has Banned Togadia - SP Mangalorean, 3 weeks ago Udupi: SP K Annamalai inaugurates District Journalist Association's Annual Sports Meet Mangalorean, 1 month ago
Udupi: Police to use Dye Marker Grenade and Rapid Intervention Vehicle for anti-riot operations SP K Annamalai
by MR and Flavin DSouza, Team Mangalorean Udupi: Good policing with effective utilization of technological equipment can effectively curb riots, communal violence and untoward incidents in the district, said Annamalai K, District Superintendent of ...Mangalorean, 1 week ago Udupi: Police will take strict action against those violating COTPA Act: SP K Annamalai Mangalorean, 2 weeks ago Udupi: Technical Delay in Police Verification Creates Hurdles for Passport Applicants Mangalorean, 1 month ago
CII honours emerging entrepreneurs in city
Chennai: Founder of Ampere Vehicles Pvt Ltd Hemalatha Annamalai was conferred the Confederation of Indian Industry Southern Region (CII-SR) Emerging Entrepreneur Award in Chennai yesterday. Hailing from Coimbatore, she was one of the six winners ...News Today, 1 week ago Encouraging a culture of entrepreneurship The Hindu, 1 week ago
2,200-yr-old Stone Mace Head Found
CUDDALORE: In a rare discovery, researchers from the Annamalai University history department have found a 2,200-year-old stone mace head at Marungur village near Neyveli. It is believed that ancient people used the mace as a tool for both hunting ...New Indian Express, 1 week ago
Steering her way to success making electric vehicles
Returning to India after spending close to two decades in Singapore was not an easy decision for Hemalatha Annamalai, founder and Chief Executive Officer of Ampere Vehicles, a company spearheading India's electric bike revolution. Annamalai took the ...Hindu Business Line, 1 week ago
Air engagements for march 06 Friday
DEVAKOTTAI Sree Sevugan Annamalai College: Sports meet, T. Karuppasamy, DSP, inaugurates, 10 a.m.; R. Senthilkumaran, Director, Physical Education,The Hindu, 3 weeks ago
UGC to focus on quality in higher education
Comment · print · T T T+· T- UGC Vice-Chairman H. Devaraj inspects an exhibition at Annamalai University in connection with National Science Day celebrations.— Photo:Special Arrangement The University Grants Commission (UGC), which ...The Hindu, 3 weeks ago
AU Professor Booked For Certificate Fraud
CHIDAMBARAM: Police registered a case against an assistant professor in Annamalai University Subramaniyan, who has been dismissed, for having submitted a fake school certificate to get the post. The fraud came to light when the varsity ...New Indian Express, 1 month ago
Health cards for police
Comment · print · T T T+· T- K. Annamalai, Superintendent of Police, distributed Arogya Suraksha Cards or health cards to police personnel at a function organised by the Manipal University, G. Shankar Family Trust and Mogaveera Yuva ...The Hindu, 2 months ago
Realtime News
on your WebpageAdd Widget >Get your members hooked!


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Fun with Fabric Dye
Bonus: Get our newsletter & special offers for free. We will not share or sell your email address. View our Privacy Policy
How to Make a Sing Loud Canvas
By: Savannah Starr
We are adding the craft to your Craft Projects.
The project was added to your Craft Projects.
Click here to view your Craft Projects.
Whether you have the voice of an angel or you have a tendency to shatter glass, don't be afraid to sing loud! Learn how to make a Sing Loud Canvas from Savannah Starr that can be hung anywhere in your home. DIY wall decor adds a unique touch to any space.
For this project, use sticky letters and spray paint to create the perfect piece. Start by spray painting your canvas and letting it dry. Place more prominent letters on the canvas to create your big statement. Again, cover the canvas in spray paint and, once it is dry, remover the letters. This will create a huge contrast and make your piece really stand out. This project has a great message that everyone can invest in.
For a step-by-step photo tutorial of this project, check out Sing Loud Wall Hanging.
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http://telecomsys.com/news.rss.ashxThe remote name could not be resolved: 'telecomsys.com'
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Learn more about how TCS can help you with Text-to-911 »
VirtuMedix is a patient-centric solution providing access to healthcare – anytime, anywhere and from any device.


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This offer is promoting Edmunds Restaurant's in-house "French Kiss" deal. Last orders are taken at 2pm. Subject to availability. Reservations are required. A 48-hour cancellation policy applies. No limit to the number of vouchers that can be purchased per person or as gifts. A maximum of 10 people per table booking. Parties of 11-16 people may be catered for subject to availability. Please contact the restaurant directly to discuss dates and availability.Vouchers for this offer are limited and may therefore sell out before the stated expiry date. The regular value stated above is based on the maximum combined cost of the items included in this experience at the time of publication (14 April 2014).See all terms
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In the era of cloud computing, mobile end devices and wireless networks, information security requires a consistent security philosophy. A high-tech IT infrastructure has many possible points of attack - and new forms of attack are more and more sophisticated.
We offer you a holistic and business-oriented approach, which protects you reliably against direct and indirect damage. Our cooperation starts with our consulting services, i.e. we analyze your security requirements. Then we will detect the vulnerabilities of your system, develop solutions and implement them. It is particularly important that each individual security solution can be adapted any time to changing circumstances and always extended.
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SALADO, Texas (AP) — Emergency crews are responding to a reported bridge collapse along an interstate in Central Texas.
If you just have to have it now, as in one hour, you can, at least in the Dallas area, as Amazon.com Inc. announced Thursday it will offer Prime Now.
The future of a redevelopment plan for the 50-year-old Westchester Plaza on Fort Worth's Near Southside is unclear.
Monty Bennett's name will not appear on the ballot for the Tarrant Regional Water District board of directors yet he remains a powerful backstage player whose influence could shape the direction of the district's business for years to come.
Texas unemployment fell to 4.3 percent during February for the sixth straight month of declines, the Texas Workforce Commission reported Friday.
The Associated Press
The price of oil fell Thursday, giving back part of its sizable jump the day before, despite improvement in Chinese manufacturing.
Benchmark U.S. crude for September delivery was down 16 cents at $102.96 a barrel at 0650 GMT in electronic trading on the New York Mercantile Exchange.
The contract gained delivery gained 73 cents to $103.12 on Wednesday after data released by the Energy Department Wednesday showed a drop in U.S. crude inventories that was more than double what analysts had expected.
A manufacturing survey from China showed a rise in factory activity in July to its highest level in 18 months, a sign that Beijing's stimulus measures were having a positive effect.
Brent crude for September delivery, a benchmark for international oils, was down 14 cents to $107.89 on the ICE Futures exchange in London.
The price of oil has stayed above $100 a barrel after a civilian jetliner was shot out of the sky last week over a part of eastern Ukraine controlled by pro-Russian separatists and as Israel's invasion of the Gaza Strip added to risks of instability in the Middle East.
The U.S. data Wednesday showed oil supplies fell by 7.5 million barrels for the week ended July 11. Analysts had expected a drop of 3 million barrels, according to a survey by Platts.
In other Nymex trading:
— Wholesale gasoline was little changed at $2.841 a gallon.
— Heating oil was steady at $2.887 a gallon.
— Natural gas was down 0.1 cent at $3.761 per 1,000 cubic feet.
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News Archive
Students exercise right to vote in 2013 gubernatorial electionNovember 06, 2013 | Drew Menard/Liberty University News Service
Liberty University students who are registered to vote in Virginia let their voices be heard on Tuesday as they cast their ballots in the 2013 Virginia gubernatorial election — many right from campus.
The voting precinct at the university's basketball arena, the Vines Center (Lynchburg City Third Ward, Second Precinct), was formed in October 2011 and officially opened in March 2012. Last year, students voted for president for the first time from campus, accounting for more votes than any other precinct in Lynchburg, Va. Currently, there are more than 5,700 registered to vote in that precinct.
"I think it is really convenient that Liberty has this voting location on campus," said senior Colton Hagar after he cast his vote at the Vines Center on Tuesday. "For students who don't have transportation, they can walk."
Read the full story from the Liberty University News Office.
- March (4)
February (5)
- Comedian Brad Stine stirs up laughter and a desire to pursue God
- Liberty Women's Basketball rises to No. 14 in Mid-Major rankings
- TV star reveals the faith needed to be 'America's Favorite Bachelor'
- Newly reformatted radio station invites listeners on The Journey
- Medical students raise money for Parkinson's research
January (6)
- Christine Caine launches Propel Women during Convocation
- Flames wrestle way to second NCWA National Duals crown
- Liberty announces partnership with author Karen Kingsbury
- Spring 2015 Convocation schedule released
- New Center for Chaplaincy working to continue to supply military with qualified graduates
- Winterfest guests experience powerful speakers, thrilling concerts
- December (5)
November (7)
- Flames claim Big South title, will head to playoffs for first time
- Seminary expansions provide new opportunities
- Food drive reaps huge early response; collection continues
- Military Emphasis Week concludes with patriotic halftime show
- Counseling program earns top spot in online education ranking
- Oliver North celebrates the real heroes during Convocation
- Military Emphasis Week to honor service, sacrifice
- October (4)
- September (4)
August (6)
- Graduate student invited as honoree at Forbes' Under 30 Summit
- Alumna and professor make Christianity Today's '33 under 33' list
- Liberty dedicates new Center for Medical and Health Sciences
- Ten Liberty students, graduates serve on set of Kendrick brothers' film
- President Falwell joins Va. college presidents in opposing ratings plan
- Paralegal program preps students for high-demand careers
- July (4)
- June (4)
May (5)
- Sounds of Liberty performs Memorial Day tribute on 'Huckabee'
- Graduates charged to protect values, freedom at Commencement 2014
- Special ceremony honors Liberty's military graduates
- Baccalaureate speaker Eric Metaxas fortifies graduates to follow Jesus
- Falwell, Jindal to preside over Commencement; 34,000 guests expected
- April (1)
- March (4)
- February (2)
January (8)
- More companies partner with Liberty to offer tuition discounts for employees
- Liberty unveils new Jerry Falwell Library with grand opening
- Producers Mark Burnett, Roma Downey offer sneak peek at new film
- Joetta Danielson Wins Full Scholarship to Liberty University Online
- Online student teaches in Malaysia as Fulbright Scholar
- Military Affairs Office hosts education event for veterans
- Liberty announces Spring 2014 Convocation speakers
- Student's YouTube video is No. 1 in UK, No. 3 overall for 2013