text:
An outdoor ground lighting system that includes one or more low voltage lamp units, provided from a step down transformer connectable to a high voltage AC power supply and an on/off timer operative to turn the lamps on for a selected time period during hours of darkness. Added to this known system is a secondary switching system that includes a solenoid operated switch connected to bypass the timer and a detector to detect the presence of a person or the like in the field of view of the detector. The detector provides an output signal in response to detecting the presence of someone and the solenoid switch is actuated by such signal to switch on the lamps when the timer is in the off cycle. The secondary switching system enhances the garden lighting system by providing a security lighting system when the timer is in an off mode.
1. An outdoor yard lighting system comprising a plurality of low voltage lamp units, a first step down transformer means for supplying said lamp units with low voltage from a common residential high AC voltage supply, timer controlled switch means in the high voltage circuit connected to said first step down transformer means and operable to turn the lamp units on and off for selected periods of time and a secondary switching system having a normally open switch shunted across said timer controlled switch means, detector means to detect the presence of an intruder in a selected area, said detector means providing an output signal upon detection of the intruder in said selected area, said secondary switching system comprising a second step down transformer with a high voltage side thereof connected to said AC voltage supply and circuit means and a relay connected to a low voltage side of said second step down transformer to close said normally open switch in response to an output signal from said detector means.
2. An outdoor yard lighting system as defined in claim 1, including a second circuit means having a triac shunted across said normally open switch to illuminate said lamps only to a fraction of their full intensity during the timer "off" cycle of operation.
3. An outdoor yard lighting system as defined in claim 2, wherein said triac circuit includes a triac, resistor means including a light dependent resistor shunted across said triac, a capacitor shunted across said light dependent resistor and a diac interposed between said triac and said light dependent resistor.
4. An improved outdoor ground lighting system that includes at least one lamp unit, a first step down transformer connectable to a high voltage AC power supply to provide a low voltage supply for the lamp of said lamp unit, and an on/off timer operative to turn the lamp on for a selected time period during hours of darkness, the improvement comprising detector means to detect the presence of a person in the field of view of the detector and provide an output signal in response to such detection and a secondary switching system operatively responsive to said output signal to switch on said lamp when said timer is in the off cycle, said timer controlling an on/off switch to the high voltage side of said first transformer and wherein said secondary switching system includes a second step down transformer and a relay operated normally open switch, said normally open switch being shunted across said timer controlled on/off switch, said relay of said normally open switch being connected to a low voltage side of said second transformer and wherein said detector output signal is operatively associated with said relay to close said normally open switch in response to an output signal from the detector.
5. An improved outdoor ground lighting system as defined in claim 4, including a system control housing and wherein said step down transformers, timer and secondary switching system are mounted in said housing.
This application is a Continuation-In-Part of U.S. application Ser. No. 08/516,191 filed Aug. 17, 1995 now abandoned.
The present invention relates generally to timer controlled outdoor ground lighting systems and more particularly to enhancement of such systems to turn on, or turn up the intensity of, the lamps of the system when in the off cycle of operation when the presence of an intruder, such as a human being or the like warm blooded animal, is detected.
Outdoor ground lighting systems are in common use for aesthetic purposes around residences and many are timer controlled (mechanical or electronic timer) to be on for variously adjustable selected periods of time during hours of darkness. The lamps of the outdoor lighting units operate at low voltage converted by suitable means such as transformers from the normal 120VAC or 240VAC power supply. These known outdoor lighting systems also provide a certain element of security by illuminating dark areas during the selected period of time, but not thereafter. In the known systems the lamps of the lighting units are either off (no intensity) or on (full intensity).
In addition to outdoor lighting systems, many households further have intruder detection systems that illuminate a selected area upon detection of an intruder. The sensors are normally passive infrared detectors (PID). These thermal electric infrared optical sensors provide a signal to turn on the lights upon detection of an intruder in a known manner.
A principle object of the present invention is to provide enhancement of outdoor ground lighting systems so that they operate, during an off period, as a security lighting system to illuminate the area in which they are located upon detection of an intruder.
A further object of the present invention is to provide, as in the foregoing, a dual function outdoor ground lighting system, i.e. aesthetic lighting and security, but in which during dusk to dawn, the lamps, during the timer "off" cycle, are illuminated for only a fraction of their full intensity. The motion sensor still activates full light intensity upon detection of an intruder in the area scanned by the motion detector.
In accordance with the present invention there is particularly provided improvements in an outdoor ground lighting system that includes at least one lamp unit, a step down transformer or the like to provide a low voltage supply for the lamp of said lamp unit, and an on/off timer operative to turn the lights on for selected time periods during hours of darkness, the improvement comprising a secondary switching system having a normally open switch shunted across the timer controlled switch which is in the circuit of the high voltage supply to said step down transformer and detector means to detect the presence of an intruder, said secondary switching system including a second step down transformer with circuit means operative in response to an output signal from said detector means resulting from the presence of the intruder in the field of view of the detector that scans said selected area to switch said lamps to full intensity when said timer is in the off cycle. The detector means may be a motion sensor, a sound activated sensor or a heat sensor, i.e. a passive infrared detector.
The invention is illustrated by way of example in the accompanying drawings wherein:
FIG. 1 is a diagrammatic view of a decorative ground lighting system and schematic of the step down transformer timer and secondary switching therefore, the latter being provided in accordance with the present invention;
FIG. 2 is a circuit diagram for the ground lighting system of FIG. 1 incorporating a secondary switching system to bypass the timing device; and
FIG. 3 is a circuit diagram functionally equivalent to that of FIG. 2 but incorporating additional circuitry such that during dusk to dawn the lamps emit partial intensity during the timer "off" cycle.
Referring to the drawings, there is diagrammatically illustrated in FIG. 1 a decorative garden lighting system that includes a light source 11 comprising a number of spaced apart lamp units or fixtures located in a garden area to illuminate the same during selected periods of darkness and a control unit 12.
The control unit 12 includes a timer 30 for selecting on/off periods of operation and a step down transformer TR1 to provide low voltage to the lamps via output line O/P. An input line I/P plugs into a high voltage AC power supply 20 of 120 or 240 volts. This is conventional in the art.
In accordance with the present invention, the above system is enhanced by providing means to bypass the timer and turn on the lights, or to full intensity as the case may be, during the timer "off" period when the presence of a person or like warm blooded animal has been detected. The system can be used to illuminate a walkway facilitating entry of an occupant's late arrival into his own residence as well as act as a security measure against intruders.
The system enhancement means includes a detector 40 and circuitry in a unit 50 located in the control unit 12. The detector 40 may for example be a thermo electric infrared optical sensor also referred to as a passive infrared detector (PID) and is suitably mounted and located to provide a field of view of the desired area. In a prototype system applicant used a detector model NW-12 from Apek Secure Lite Co. Ltd. located in Taiwan. The detector 40 can be mounted on one of the lamp units or mounted as a separate unit at a suitable location. A sensor activated by sound or motion could be used in place of or in addition to the infrared sensor.
The circuitry of unit 50 in FIG. 2 consists of a second step down transformer TR2, a resistor R1, a diode DI, a capacitor CI and a relay RI. The transformer TR2 transforms the 120 (or 240) VAC supply to 12 (or 24) VAC. Resistor R1, diode DI and capacitor CI rectify this voltage which supplies the sensor 40 with 12 or 24 volt DC as the case may be. This voltage is isolated from the main power line by the transformer TR2 and is inherently safe from major shocks. In applicant's prototype transformer TR2 functionally replaced the transformer in the above mentioned detector NW-12.
The sensor 40 upon detecting the presence of a human or animal, provides an output signal that causes activation of the relay RI causing contacts RIC to close. The contacts are a normally open switch in the circuit of leads L1 and L2 that are connected to line L3 of the supply to bypass the on/off contacts of timer 30. The lights thus turn on during the off cycle of the timer when the sensor 40 detects the presence of a person (or animal) or moving object in the case of a motion sensor.
The transformer TR2, resistor R, diode DI, capacitor CI and the relay RI are a separate potted unit located in the housing of the control unit as is illustrated in FIG. 1 and mentioned above. A separate plug 60 and cable 61 connect to the control unit and carry the low voltage to the sensor 40 together with the return "on" signal to the relay.
The foregoing provides not only an energy saving "on/off" aesthetic garden and/or walkway lighting system, but also one which provides the dual function of security lighting of dark areas during the timer "off" period of the system.
A conventional system with the timer set to turn the lights on at 8:00 p.m. and off at 11:30 p.m. would leave the homeowner returning at 1:00 a.m. in the dark, but with the present system, the sensor would detect the human presence and activate the lighting system thus providing a safe lit area to the doorway.
A conventional system with the timer set to turn the lights on at 8:00 p.m. and off at 11:30 p.m. provides illuminated security only for those hours. With the present apparatus, the sensor would activate the lighting system if an intruder should attempt to take advantage of an unlit area.
However, because the present system allows both light fixtures and the secondary switching system to operate on low voltage, the system now becomes far less expensive to install and operate than a conventional 120V system. It also, because of low voltage is not required to meet the same installation standards and mandatory inspection that a 120V system is required to do. This will enable the system to have many dedicated security functions not incorporated with landscape lighting. For instance, an out building not equipped with electrical power can be supplied with low voltage lighting and a low voltage sensor to provide security lighting or convenience lighting. To do this with conventional 120V power would require: (a) a permit; (b) cable buried 4 feet below grade inside a conduit; (c) exterior wiring above ground around the outbuilding protected by conduit; (d) final inspection and approval.
With the low voltage system, there is no need to bury the cable, place it in conduit, nor apply for permit or inspection.
The present invention involves two known arts. One, the transformer control, the other, human presence detectors (passive infrared, etc.) and allows them to be combined in an unique and useful manner.
FIG. 3 is a circuit diagram in which the lamps of the light source 11, in the timer "off" cycle, are on but only for a fraction of their full intensity. In FIG. 3 resistor R1 is an optional regulatory resistor. Diode D1 is a rectifier diode and in conjunction with capacitor C1 and a Zener diode D2 supply direct current to the motion sensor 40 and a controlled voltage to the relay RI.
When the motion sensor 40 sends an "on" signal the relay will close the contacts RIC and bypass the timer 30 to turn the lights on for a predetermined time which time is adjustable by the operator.
In FIG. 3 there is an additional option provided for the lighting system by the circuit designated generally by the reference 70 and referred to herein as a triac circuit. The triac circuit 70 has circuit line L4 shunted across the relay contacts RIC and in series with line L4 is a gated switch 72 commonly known as a triac. A resistor R2, in series with a light dependent resistor 73, is shunted across the triac. One side of a diac 71 is connected intermediate resistor R2 and the light dependent resistor 73 and the other side is connected to the base of the triac. A capacitor C2 is connected in parallel with the light responsive resistor 73.
The circuit 70 provides for low intensity lighting during the timer "off" cycle between dusk and dawn. Depending upon the light dependent resistor 73 and resistor R2 combination, the resistor R2 and capacitor C2 and the diac 71 will apply a portion of the AC voltage to transformer TR2 and will supply a proportional voltage to the light sources. The Motion Sensor will still activate full light intensity when an intruder is detected but during the timer "off" cycle the lights will be "on" and illuminated only for a fraction of their full intensity.
Optionally there is a fuse F1 in the transformer output O/P to the light source 11.
Patent Citations
Referenced by
Legal Events
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text:
Feds pay TBW workers to help with transition
Published: Wednesday, August 12, 2009 at 6:26 p.m.
Last Modified: Wednesday, August 12, 2009 at 6:32 p.m.
Some former Taylor, Bean & Whitaker Mortgage Corp. employees are staying at their posts to help transfer the lending giants nearly 150,000 mortgages to Bank of America and will be paid by the Federal Housing Administration to do the work.
More than a dozen people who once helped run the company are helping with the complex transition process.
The information was confirmed by the Florida Office of Financial Regulation, which is the state agency that regulates Florida mortgage lenders. Last week it stripped the company of its license to issue any more mortgage loans.
The OFRs bureau chief, Andy Grosmaire, said the former Taylor Bean employees were the logical choice to tap for help because they already know the mortgage companys computer and data systems.
U.S. Department of Housing and Urban Development spokesman Jerry Brown did not return telephone calls for this story. HUD oversees the FHA. Ginnie Mae spokeswoman Gina Screen also didnt return telephone calls.
Meanwhile, many homeowners complain not enough is being done by some government agencies to ensure the transition goes smoothly. They say they cant reach Taylor Bean for information about their mortgages and to make sure money in escrow accounts, for home insurance and taxes, is being properly dispersed.
Some homeowners are already complaining they are having problems with escrow accounts held by Taylor Bean.
Georgia Lynn of Vicksburg, Miss., whose mortgage is held by Taylor Bean, received a letter July 14 from her home insurance company telling her that she no longer had insurance for her home because her $719 bill hadnt been paid.
She said she contacted the insurance company, Mississippi Farm Bureau Casualty Insurance Co. the following day. She told the insurance company that Taylor Bean holds the payment in escrow and then sends it annually to the insurance company.
A Taylor Bean monthly billing statement sent to Lynn shows that the mortgage company removed the money from the escrow account on June 16, two weeks before the insurance would lapse.
Lynn said that after several telephone calls to Taylor Bean, an employee told her an error had been made and that the company would send a new check overnight.
Lynn said it never arrived and finally had to borrow the money to reinstate her homeowners insurance.
And this was all over a course of hours and hours and hours and you never talk to the same person, she said. I just hope my taxes are going to be paid.
Marylyn Tymone never had to worry about making her mortgage payments on time to Taylor Bean.
The 72-year-old On Top of the World resident arranged with the lending company to take the money from her bank account each month.
Tymone recently called Taylor Beans automated telephone system to verify the money had been taken out of her account. The automated system said that it had taken the $528.17 mortgage payment from her account on Aug. 5.
The only problem is that Tymones bank records say the money is still there and wasnt deducted.
So what do I do now? Tymone said. I dont want to be late on a (mortgage) payment and Ive tried everything to get a hold of these people, but I cant. Its the most frustrating thing.
Grosmaire said his agency has the authority to investigate whether money in escrow was spent the way it should have been, but as yet hasnt received such a complaint against Taylor Bean.
But we do have the authority to demand from them (Taylor Bean) the records showing they made those (escrow payments), Grosmaire said.
Taylor Bean services about $75 billion worth of mortgages, almost all of them government insured.
While larger publicly held mortgage lenders and banks have gone under, or were bought before they collapsed, the fall of privately held Taylor Bean is the largest collapse of its kind, said John Bancroft, editor of Inside Mortgage Finance, a trade publication.
But there arent a lot of privately held (mortgage lenders), he said.
Taylor Bean chairman Lee Farkas did not return telephone calls or email inquiries for this story.
The collapse of Taylor Bean isnt going to be smooth for its customers like it would be for bank customers, Bancroft said.
Thats because theyre not a bank. Theyre not being taken over by anyone, he said.
Fred Hiers can be reached at firstname.lastname@example.com and 352-867-4157.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.
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subset: commoncrawl


text:
Poets laureate to read at Capitol for Writers' Day
Posted: 04/24/2014 - Poets laureate will fill the Kentucky Capitol Rotunda with readings to celebrate Kentucky Writers' Day on Thursday.
Posted: 04/24/2014 - Poets laureate will fill the Kentucky Capitol Rotunda with readings to celebrate Kentucky Writers' Day on Thursday.
Updated: 04/24/2014 - Democratic U.S. Senate candidate Alison Lundergan Grimes called Wednesday on President Obama to approve the Keystone XL oil pipeline as she tries to defeat an incumbent Republican in the heart of coal country.
Updated: 04/24/2014 - The coroner says someone found a body along Brammer Hill Ridge Road Wednesday night.
Updated: 04/24/2014 - A woman is found unresponsive and declared dead by the first paramedic on the scene, minutes later others found that she was still breathing.
Updated: 04/23/2014 - State Police said they have made an arrest for the murder of a Lee County woman.
Posted: 04/23/2014 - We have new information about the case against a woman accused of stealing her father's social security benefits.
Updated: 04/23/2014 - For hours, they had no idea where they were. Three men got lost while canoeing on a central Kentucky river after the sun set.
Updated: 04/23/2014 - The mayor and city commissioners in Richmond have voted to decrease their pay by thousands of dollars each year.
Updated: 04/24/2014 - Deputies have found a man they say shot at a woman inside a Laurel County home.
Updated: 04/23/2014 - Fayette County Schools say a student at Bryan Station High School is arrested for bringing a gun to school.
Updated: 04/23/2014 - Winchester Police say a fight between a mother and daughter escalated, putting the grandmother in jail.
Posted: 04/23/2014 - Kentucky taxpayers will now foot the bill for Steve Nunn's ongoing court battle.
Updated: 04/23/2014 - UK Freshman Dakari Johnson announced Wednesday he will return to Lexington for his sophomore year.
Updated: 04/23/2014 - Investigators say a fire at a lot used to store tires is suspicious.
Posted: 04/23/2014 - The original "Band Of Brothers" is getting a new commander and a new home.
Posted: 04/23/2014 - Temps will be back in the 70s over the next few days.
Updated: 04/23/2014 - A golden alert had been issued for Nancy Pugh.
Updated: 04/23/2014 - First lady Michelle Obama has announced a new online effort to link soldiers leaving the military with jobs that match their skill sets.
Updated: 04/23/2014 - More than twenty cars were vandalized overnight in a state employee parking garage.
Updated: 04/23/2014 - The Obama administration is cutting the amount of coal dust allowed in coal mines in an effort to help reduce black lung disease.
Updated: 04/23/2014 - Sophomore forward Alex Poythress will return to the Kentucky men's basketball program for the 2014-15 season, he announced Wednesday.
Updated: 04/23/2014 - Lexington Police are warning about a scammer pretending to work for Kentucky Utilities.
Updated: 04/23/2014 - University of Kentucky Police are hoping two newly-released surveillance pictures will help them catch a thief.
Posted: 04/23/2014 - Robinson Stave Company in East Bernstadt caught fire around 4:30 Wednesday morning.
Posted: 04/23/2014 - Houston Rockets forward Terrence Jones has agreed to pay $10,000 to a charitable organization that benefits the homeless in exchange for having a misdemeanor harassment charge dismissed.


text:
Currency Envy
Sometimes it is considered that bigger is better, and other times smaller (or in this case weaker) is better. This amusing cartoon reflects the ongoing tension between the US and China over their currencies and your better students should be able to explain the point of view of both countries.
Source: Political Graffiti
AS Macro Exam Coaching & Revision Workshops
Join the tutor2u Economics team for an intensive one-day exam coaching & revision workshop designed to help prepare AS Economics students to tackle the Unit 2 (macro) paper this summer.


text:
VMware Case Study: Lulu.com
Free registration required
Executive Summary
Lulu.com (Lulu) is a digital marketplace that eliminates traditional entry barriers to publishing by enabling content creators to bring their work directly to their audience. The company has approximately 125 employees. Lulu.com (Lulu) wanted to reduce IT costs (human & capital) and deliver fast, reliable, end-to-end business continuity. Lulu.com deployed VMware Infrastructure 3 and Dell EqualLogic iSCSI SANs deliver a flexible, scalable, and highly available virtual infrastructure that provides the IT agility that Lulu requires to effectively run its business.
- Format: PDF
- Size: 0.31 KB


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In December I provided some simple calculations of the extent to which a slowdown in the growth of global oil demand may have contributed to the spectacular drop in oil prices since last summer, and I updated those estimates two weeks ago. Some of you have suggested that as conditions keep changing, perhaps I should update those calculations every week. Thanks to the always-helpful Ironman at Political Calculations, I can now go that a step better, and provide eager Econbrowser readers a quick tool they can use to update these calculations on their own on a daily basis, if your heart so desires.
Author Archives: James_Hamilton
Switzerland drops its currency peg
The Swiss National Bank stunned markets on Thursday with an abrupt decision to abandon its commitment since 2011 to hold the Swiss franc at 1.20 francs/euro, as a result of which the franc appreciated almost 20% within the space of a few minutes.
Demand factors in the collapse of oil prices
The price of oil passed another milestone last week, falling below $50 a barrel, a level that I had not expected to see again in my lifetime.
Supply, demand and the price of oil
A few weeks ago I offered some calculations suggesting that lower demand for oil might account for about $20/barrel of the dramatic decline in the price of oil since last summer. Here I point to some other evidence consistent with that conclusion.
Do falling oil prices raise the threat of deflation?
The spectacular drop in oil prices means that inflation is going to fall even further below the Fed's 2% target. Does that raise any new risks for the economy? I say no, and here's why.
Oil prices as an indicator of global economic conditions
West Texas Intermediate sold for $105 a barrel at the start of July, but ended last week at $58. The most important factor has been surging U.S. production. But another reason oil prices have slid so much is weakness in demand for the product, which may be related to a slowdown of overall world economic growth. Here I comment on the importance of that second factor.
New estimates of the effects of the minimum wage
A large literature has examined the effects on employment of raising the minimum wage, with different researchers arriving at conflicting conclusions. The core reason that economists can't answer questions like this better is that we usually can't run controlled experiments. There is always some reason that the legislators chose to raise the minimum wage, often related to prevailing economic conditions. We can never be sure if changes in employment that followed the legislation were the result of those motivating conditions or the result of the legislation itself. For example, if Congress only raises the minimum wage when the economy is on the rebound and all wages are about to rise anyway, we'd usually observe a rise in employment following a hike in the minimum wage that is not caused by the legislation itself. UCSD Ph.D. candidate Michael Wither and his adviser Professor Jeffrey Clemens have some interesting new research that sheds some more light on this question.
A glut of oil?
The world is awash in oil, I'm hearing. The problem is, it's fairly expensive oil.
Lower oil prices and the U.S. economy
For the last 4 years, the national average retail price of gasoline in the United States stayed within a range of $3.25-$4.00 a gallon. But that all changed this fall, with U.S. consumers now paying an average price of $2.82.
Social Security and Paid-Up Workers
Americans are living longer and retiring earlier. But how, as an individual or as a country, can you finance a 30-year retirement with a 40-year career? Stanford Professor John Shoven recently visited UCSD and presented some interesting policy suggestions.


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**Now offering classes in Spanish and Arabic**
Please Note:
**In order to keep everything running smoothly, we will be closed from 25 March - 2 April for our Bi-Annual inventory/boat maintenance and will not be running any tours during this time. Thank you for understanding. **
~ When navigating our website, click on a page title for info. and for more info. hold your cursor over a page title for a few seconds & you will get a pop-up box of additional pages and information and photos!~
~ When calling the dive shop, you won't encounter "call-waiting" because we dislike interrupting you when you are on the phone with us, or make you wait forever if you are put on hold, so when you call us: If it rings busy, we are servicing another customer & will give you the same amount of time when you are speaking with us.
Thanks for your understanding of our phone system, it's old-school
Sundays 9am - 1pm
(boat leaves at 9am, check-in at 8:45am)
Monday - Closed
Tuesday - Saturday 8am - 5pm
(boat leaves at 8:30 and 1, check-in at 7:45 and 12:15)


text: POPSUGAR Celebrity Nicole Kidman Photos of Nicole Kidman by Allie Merriam 12/03/10 0 Shares Like us on Facebook Previous Photo 1 of 16 View on One Page ADVERTISEMENT ( more slides) Next Share This Link Copy 1 Photos of Nicole Kidman Previous Photo 1 of 16 View on One Page ADVERTISEMENT ( more slides) Next Read More Nicole Kidman Nicole Kidman Scarlett Johansson Just Made a Fierce Red Carpet Comeback You Want Wearable Winter Looks? The Sundance Red Carpet Is Full of Them Did Tom Cruise Have Nicole Kidman's Phone Wiretapped Before Their Split? The Weekend's Must-See Snaps! Get the scoop with our daily newsletter Enjoy the latest news on the celebs you love. Young Hollywood TV Movies A Listers Sign up with Link Love The Sopranos star shares a photo of her apartment in flames — Us Weekly Model Sami Miro talks about dating Zac Efron — ET This Glee star is reportedly being sued for sexual battery — Gossip Girl Violet Affleck supports her dad at a Senate hearing — HuffPost Celebrity Kim Kardashian's worst fear involves Amber Rose — OK! Jennifer Lopez is spotted back with ex Casper Smart — Lainey Gossip 27 times you wanted to be Karlie Kloss in real life — BuzzFeed The rite of passage Nick Jonas can't wait for this weekend — People Latest Celebrity


text:
Disclosed herein is a system for verifying financial data, such as a Net Asset Value ("NAV"), received from a third party. A new NAV for a fund may be supplied to the system, along with other data, for storage in a database of financial data. Upon receiving the new NAV, the system may analyze the NAV by comparing it to historical NAVs for that fund. If the NAV is within a certain variance, as compared to historical values, then the NAV may be stored as a current NAV for the fund. However, if the NAV differs from one or more historical values by more than a predetermined tolerance, the system may present to a provider of the NAV data one or more possible explanations for the variation, from among which the provider must select an explanation before the NAV is added to the database of financial data.
1. A computer-implemented method for verifying a fund's net asset value comprising:
receiving from a data provider, though an electronic interface, a first net asset value for a fund;
retrieving, over an electronic communications network, one or more historical net asset values for the fund from an electronic fund performance database;
comparing the first net asset value to one or more historical net asset values for the fund to obtain a variance that characterizes a difference between the first net asset value and the one or more historical net asset values;
when the variance is within a tolerance for the first net asset value, storing the first net asset value in the electronic fund performance database; and
when the variance is not within the tolerance for the first net asset value;
i) presenting, though the electronic interface, a plurality of preset explanations for the variance to the data provider;
ii) requiring the data provider to select one of the plurality of preset explanations for the variance;
iii) storing, in the electronic fund performance database, the first net asset value and the selected one of the plurality of preset explanations for the variance.
2. The method of
3. The method of
4. The method of
5. The method of
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11. The method of
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20. The method of
21. The method of
22. A computer program product for verifying a fund's net asset value comprising:
a computer readable medium having stored thereon:
computer executable code for receiving from a data provider a first net asset value for a fund owned by a customer;
computer executable code for comparing the first net asset value to the one or more historical net asset values to obtain a variance that characterizes a difference between the first net asset value and the one or more historical net asset values;
computer executable code for storing the net asset value in the database when the variance is within a tolerance for the net asset value; and
computer executable code for, when the variance is not within the tolerance for the net asset value:
i) presenting, via the electronic interface, a plurality of preset explanations for the variance to the data provider,
ii) requiring the data provider to select one of the plurality of preset explanations for the variance; and
iii) storing the net asset value and the one of the plurality of preset explanations for the variance in the database.
23. The computer program product of
24. The computer program product of
25. A system for verifying a fund's performance comprising:
means for receiving from a data provider a first net asset value for a fund;
means for comparing the first net asset value to one or more historical net asset values for the fund to obtain a variance that characterizes a difference between the first net asset value and the one or more historical net asset values;
means for storing the first net asset value in a database when the variance is within a tolerance for the first net asset value; and
means for, when the variance is not within the tolerance for the first net asset value:
i) presenting a plurality of preset explanations for the variance to the data provider,
ii) requiring the data provider to select one of the plurality of preset explanations for the variance; and
iii) storing the net asset value and the one of the plurality of preset explanations in the database.
26. A system for verifying a fund's net asset value comprising:
a database having memory for storing financial data for one or more funds, the financial data for the one or more funds including one or more historical net asset values for the one or more funds;
a client device connected in a communicating relationship with a network, the client device receiving fund data relating to the one or more funds, the fund data including a new net asset value for at least one of the one or more funds;
a server connected in a communicating relationship with the database and the client device, the server receiving the fund data from the client device and executing a process to compare the new net asset value to the one or more historical net asset values, the process further configured to present a plurality of preset explanations for the variance to the client device when a variance between the new net asset value and the one or more historical net asset values exceeds a tolerance, and, when the tolerance is exceeded, further configured to store the new net asset value only when a selected one of the plurality of preset explanations for the variance has been received from the client device.
27. The system of
28. The system of
The present invention relates generally to a financial accounting system for maintaining data of a financial database, and more particularly to a method of verifying accuracy of new data received for addition to the database.
Verification of financial data is an integral operational task executed by financial institutions that offer a broad range of investment and financial service. Financial institutions have an interest in mitigating risks which might arise if key operational tasks are executed without verification systems. One such operational task involves maintaining and updating net asset database for funds. The reliability such a database depends upon the robustness of the system administering the database in verifying the accuracy of the information entering and residing in the database.
The present invention addresses the need for robustness by disclosure of a system configured to verify the accuracy of financial data such as net asset data.
Disclosed herein is a system for verifying financial data, such as a Net Asset Value ("NAV"), received from a third party. A new NAV for a fund may be supplied to the system, along with other data, for storage in a database of financial data. Upon receiving the new NAV, the system may analyze the NAV by comparing it to historical NAVs for that fund. If the NAV is within a certain variance, as compared to historical values, then the NAV may be stored as a current NAV for the fund. However, if the NAV differs from one or more historical values by more than a predetermined tolerance, the system may present to a provider of the NAV data one or more possible explanations for the variation, from among which the provider must select an explanation before the NAV is added to the database of financial data.
The system may be realized, for example, in an n-tier Web server or other platform for deployment and use over a network, and may be configured to receive financial data and provide reports throughout the network. The system may also, or instead, be deployed within a local area network, corporate area network, or wide area network. The variance that is used as a threshold for requiring a user-provided explanation may be relative (e.g., a percentage change) or absolute (e.g., plus or minus a certain dollar value), and may vary from period to period according to broader market trends such as the Dow Jones Industrial Average or the Standard & Poors 500 composite index. Management tools may be provided for adding, deleting, or modifying the variance, as well as the possible explanations for exceeding the variance.
The foregoing and other objects and advantages of the invention will be appreciated more fully from the following further description thereof, with reference to the accompanying drawings, wherein:
To provide an overall understanding of the invention, certain illustrative embodiments will now be described, including a Web-deployed, client/server architecture for verifying externally provided net asset values for funds. The systems described herein may have particular applicability in a financial context, such as where a fund manager at a custodial bank manages a number of substantial holdings in various investment vehicles for an institution or high net worth individual, where the system provides for timely reporting of changes in asset values and review of the changes by a supervisor of the fund manager or the customer whose money is under management. However, it will be understood that the methods and systems described herein can be suitably adapted to any environment where data from an external source is provided for inclusion in a database that contains historical values for the same measurement. This may include, for example, physical measurements (e.g., height, weight, speed, force, energy, and so forth), meteorological measurements (e.g., rainfall, barometric pressure, temperature), physiological measurements (e.g., heart rate, blood pressure, body temperature), financial data (interest rates, stock prices, earnings, dividends), or any other measurement or quantity that may be sampled at fixed or varying periods. These and other applications of the systems described herein are intended to fall within the scope of the invention. More generally, the principles of the invention may be applicable to any environment where ongoing measurements of a quantity are received and stored.
In one embodiment, the internetwork 110 is the Internet, and the World Wide Web provides a system for interconnecting clients 102 and servers 104 through the Internet 110. The internetwork 110 may include a cable network, a wireless network, and any other networks for interconnecting clients, servers and other devices.
An exemplary client 102 includes the conventional components of a client system, such as a processor, a memory (e.g. RAM), a bus which couples the processor and the memory, a mass storage device (e.g. a magnetic hard disk or an optical storage disk) coupled to the processor and the memory through an I/O controller, and a network interface coupled to the processor and the memory, such as modem, digital subscriber line ("DSL") card, cable modem, network interface card, wireless network card, or other interface device capable of wired, fiber optic, or wireless data communications. One example of such a client 102 is a personal computer equipped with an operating system such as Microsoft Windows 95, Microsoft Windows NT, Unix, Linux, and Linux variants, along with software support for Internet communication protocols. The personal computer may also include a browser program, such as Microsoft Internet Explorer or Netscape Navigator, to provide a user interface for access to the Internet 110. Although the personal computer is a typical client 102, the client 102 may also be a workstation, mobile computer, Web phone, television set-top box, interactive kiosk, personal digital assistant, or other device capable of communicating over the Internet 110. As used herein, the term "client" is intended to refer to any of the above-described clients 102, as well as proprietary network clients designed specifically for the financial systems described herein, and the term "browser" is intended to refer to any of the above browser programs or other software or firmware providing a user interface for navigating the Internet 110 and/or communicating with the financial systems.
An exemplary server 104 includes a processor, a memory (e.g. RAM), a bus which couples the processor and the memory, a mass storage device (e.g. a magnetic or optical disk) coupled to the processor and the memory through an I/O controller, and a network interface coupled to the processor and the memory. Servers may be clustered together to handle more client traffic, and may include separate servers for different functions such as a database server, a file server, an application server, and a Web presentation server. Such servers may further include one or more mass storage devices such as a disk farm or a redundant array of independent disk ("RAID") system for additional storage and data integrity. Read-only devices, such as compact disk drives and digital versatile disk drives, may also be connected to the servers. Suitable servers and mass storage devices are manufactured by, for example, Compaq, IBM, and Sun Microsystems. As used herein, the term "server" is intended to refer to any of the above-described servers 104.
Focusing now on the internetwork 110, one embodiment is the Internet. The structure of the Internet 110 is well known to those of ordinary skill in the art and includes a network backbone with networks branching from the backbone. These branches, in turn, have networks branching from them, and so on. The backbone and branches are connected by routers, bridges, switches, and other switching elements that operate to direct data through the internetwork 110. However, one may practice the present invention on a wide variety of communication networks. For example, the internetwork 110 can include interactive television networks, telephone networks, wireless data transmission systems, two-way cable systems, customized computer networks, interactive kiosk networks and automatic teller machine networks. Further, various data resources may be available through the internetwork 110, including text, images, multi-media, and databases that are provided through command line or graphical front-ends over the internetwork 110, and databases available through local networks connected to the internetwork 110.
In the Internet, Internet service providers 108 such as Microsoft Network, America OnLine, Prodigy and CompuServe may offer dial-in service. The Internet service providers 108 may also include any computer system which can provide Internet access to a client 102. Of course, the Internet service providers 108 are optional, and in some cases, the clients 102 may have direct access to the Internet 110 through a dedicated DSL service, ISDN leased lines, T1 lines, digital satellite service, cable modem service, or any other high-speed connection. Any of these high-speed services may also be offered through one of the Internet service providers 108.
In its embodiment as the Internet, the internetwork 110 consists of a worldwide computer network that communicates using the well-defined Transmission Control Protocol ("TCP") and Internet Protocol ("IP") to provide transport and network services. Computer systems that are directly connected to the Internet 110 each have a unique IP address. The IP address consists of four one-byte numbers (although a planned expansion to sixteen bytes is underway with IPv6). The four bytes of the IP address are commonly written out separated by periods such as "188.8.131.52". To simplify Internet addressing, the Domain Name System ("DNS") was created. The DNS allows users to access Internet resources with a simpler alphanumeric naming system. A DNS name consists of a series of alphanumeric names separated by periods. For example, the name "www.lga-inc.com" corresponds to a particular IP address. When a domain name is used, the computer accesses a DNS server to obtain the explicit four-byte IP address.
It will be appreciated that other internetworks 110 may be used with the invention. For example, the internetwork 110 may be a wide-area network, a local area network, or corporate area network. The internetwork 110 may be any other network used to communicate data, such as a cable broadcast network. All of the network components described above may, either alone or in combination, form the internetwork 110 described herein. It will be understood that the terms "internetwork" and "network" are intended to refer to any such network, unless specifically noted otherwise.
To further define the resources on the Internet, the Uniform Resource Locator system was created. A Uniform Resource Locator ("URL") is a descriptor that specifically defines a type of Internet resource along with its location. URLs have the following format:
where resource-type defines the type of Internet resource. Web documents are identified by the resource type "http" which indicates that the hypertext transfer protocol should be used to access the document. Other common resource types include "ftp" (file transmission protocol), "mailto" (send electronic mail), "file" (local file), and "telnet." The domain.address defines the domain name address of the computer that the resource is located on. Finally, the path-name defines a directory path within the file system of the server that identifies the resource. As used herein, the term "IP address" is intended to refer to the four-byte Internet Protocol address, and the term "Web address" is intended to refer to a domain name address, along with any resource identifier and path name appropriate to identify a particular Web resource. The term "address," when used alone, is intended to refer to either a Web address or an IP address.
In an exemplary embodiment, a browser, executing on one of the clients 102, retrieves a Web document at an address from one of the servers 104 via the internetwork 110, and displays the Web document on a viewing device, e.g., a screen. A user can retrieve and view the Web document by entering, or selecting a link to, a URL in the browser. The browser then sends an http request to the server 104 that has the Web document associated with the URL. The server 104 responds to the http request by sending the requested Web document to the client 102. The Web document is an HTTP object that includes plain text (ASCII) conforming to the HyperText Markup Language ("HTML"). Other markup languages are known and may be used on appropriately enabled browsers and servers, including the Dynamic HyperText Markup Language ("DHTML"), the Extensible Markup Language ("XML"), the Extensible Hypertext Markup Language ("XHML"), and the Standard Generalized Markup Language ("SGML").
The presentation server 200 provides an interface for one or more connections to the internetwork 110, thus permitting more than one of the clients 102 (
A client 102 (
The application server 202 provides the "back-end" functionality of the Web site, and includes connections to the presentation server 200 and the database server 204. In one embodiment, the presentation server 200 comprises an enterprise server, such as one available from Compaq Computer Corp., running the Microsoft Windows NT operating system, or a cluster of E250's from Sun MicroSystems running Solaris 2.7. The back-end software may be implemented using pre-configured e-commerce software, such as that available from Pandesic, to provide some of the back-end functionality, including realization of application logic associated with the systems described herein. The software running on the application server 202 may include a software interface to the database server 204, as well as a software interface to the front end provided by the presentation server 200.
The database server 204 may be an enterprise server, such as one available from Compaq Computer Corp., running the Microsoft Windows NT operating system or a cluster of E250's from Sun MicroSystems running Solaris 2.7, along with software components for database management. Suitable databases are provided by, for example, Oracle, Sybase, and Informix. The database server 204 may also include one or more databases 206, typically embodied in a mass-storage device. The databases 206 may include, for example, user interfaces, search results, search query structures, user information, and the templates used by the presentation server to dynamically generate pages. In operation, the database management software running on the database server 204 receives properly formatted requests from the presentation server 200, or the application server 202. In response, the database management software reads data from, or writes data to, the databases 206, and generates responsive messages to the requesting server. The database server 204 may also include a File Transfer Protocol ("FTP") server for providing downloadable files.
A Web site including the page 300 may use cookies to track users and user information. In particular, a client 102 accessing the site may be accessed to detect whether the client 102 has previously accessed the page or the site. If the client 102 has accessed the site, then some predetermined content may be presented to the client 102. If the client 102 does not include a cookie indicating that the client 102 has visited the site, then the client 102 may be directed to a registration page where information may be gathered to create a user profile. The client 102 may also be presented with a login page, so that a pre-existing user on a new client 102 may nonetheless bypass the registration page.
The site may provide options to the client 102. For example, the site may provide a search tool by which the client 102 may search for content within the site, or content within financial databases associated with the site. Views of data provided by the site may be filtered according to account information stored in the database, such as fund names, fund managers, customer names, user names, and so forth. The site may include news items topical to the site. The site may provide a user profile update tool by which the client 102 may make alterations to a user profile. The site may include a help feature for providing assistance to users.
Different pages may be provided for different users of the system. For example, a database administrator may access underlying financial databases through a database administration page, which may allow a user to alter existing records, create new data structures (such as tables, fields, attributes, and so forth), modify relationships between data structures, backup data, and perform other functions. An application administrator may view an administration page through which a user may create new accounts, new users, new customers, and so forth, as well as control access privileges for other users and perform other administrative tasks. Institutional users such as managers may view a funds page which provides read-only access to all or some of the fund data stored in the databases, and which permits printouts of fund data. A fund manager may view a fund manager page which provides write access to some or all of the fund data, in addition to read access, so that fund data, customer data, and so forth may be created, updated, or viewed. Third parties, such as customers, may view pages that display their own financial data, and data providers may be permitted to add current data to the database. Each of the above functions may be realized through a different page, coupled with different underlying access privileges to data and code within the system described herein.
Certain users, such as fund managers or other institutional users, may be provided with tools within the page to assist with reviewing and using data maintained by the system. Filters may be provided for restricting data viewed by, for example, the fund manager according to user controlled criteria, such as by customer, by fund manager, by value, or by any other field within the database. Printing tools, along with various print layouts, may be provided. Data may be exported, such as to a tab delimited file, a comma delimited file, a spreadsheet file, or any other file suitable for use by the user. Certain users, such as the fund managers who update financial data, may import data to the system. The imported data may be, for example, in a tab-delimited file, a comma delimited file, a spreadsheet file, or the like.
Thus it will be appreciated that a networked financial management system may be realized in which current financial data may be obtained from a client device anywhere within the internetwork. New data may be provided to the system, and more particularly, the financial database within the system, from time to time by a user at a client device. The new data may be compared to historical data, and analyzed for possible errors, as will now be described in more detail.
As shown in step 406, corresponding historical data may be retrieved. For the financial data described above, this may include one or more previous values for the net asset value and the liquid asset value for a fund identified by the fund identifier. Where appropriate, as described below, application logic that applies variance rules to new data may be examined to determine what historical values to retrieve, such as the last instance of the value, the last five instances of the value, an average of the last n instances, or an average of all instances over a predetermined period of time, e.g., one week or one month. In this manner, only data that will be required to apply one or more variance rules needs to be retrieved from a location, such as a database, where the data is stored.
As shown in step 408, one or more variance rules may be applied. A threshold for the variance may be established to determine whether the variance is within a tolerance or not. The threshold may be relative, e.g., based upon current or historical values for data, or the threshold may be absolute, i.e., based upon a magnitude of change, regardless of current and/or historical values. The threshold may instead be based upon some external data. Also, a number of different variance rules may be applied, all of which is described in further detail below.
One type of variance rule may be based upon relative changes in the data. For example, where the rule is to be applied to a net asset value for a fund, as mentioned above, a tolerance may be established that is a fixed percentage of the received net asset value, or of one or more historical net asset values. The tolerance may be, for example, a percentage range such as +/−5%, +/−10%, +/−15%, +/−20%, +/−25%, or +/−30% of a recent historical net asset values for the fund. The tolerance may be an asymmetrical percentage range, e.g., from −5% to +17%. The tolerance may instead be established as a symmetric or asymmetric percentage of more than one historical value for the NAV. Where more than one historical value is used, an average of the multiple values may be taken, or a weighted average favoring more current values may be used, or a linear extrapolation of historical values or some other value may be calculated that is indicative of the different values, and used as a bases for determining a tolerance.
Another type of variance rule may be based upon absolute changes in the data. For example, where the rule is to be applied to the net asset value for a fund, as mentioned above, a tolerance may be established that is a number of dollars. The tolerance may be, for example, a range of +/−$50 million, +/−$100 million, +/−$500 million, +/−$1 billion, +/−$1.5 billion, or +/−$2 billion. As with relative tolerances described above, the absolute measures of tolerance may be asymmetric ranges such as −$50 million to +200 million.
Another type of variance rule may be based upon changes in the data as compared to external benchmarks. For example, a percentage for a tolerance may be established based on month-end-to-month-end percent variation in a benchmark index. The benchmark index may be a value or volume based market index such as the Standard and Poors (S&P) 500, the S&P 100, the S&P 400 midcap, the S&P 600 midcap, the Dow Jones (DJ) Industrials, the DJ Transportation, the DJ Utilities, the DJ Composite, the New York Stock Exchange (NYSE) Volume in 000's, the NYSE Composite, the NYSE Tick, the NYSE ARMS, the Nasdaq Composite, the Nasdaq Volume in 000's, the Nasdaq National Market Composite, the Nasdaq 100, the AMEX Composite, the AMEX Internet, the AMEX Networking, the ISDEX, the Major Market, the Pacific Exchange Technology, the Philadelphia Semiconductor, the Russell 1000, the Russell 2000, the Russell 3000, the TSC Internet, the Value Line, or the Wilshire 5000 TOT. The index may be based on bonds, commodities, or other financial instruments, such as the US Treasury Securities (TS) 30-Year Bond, the TS 10-Year Note, the TS 5-Year Note, the TS 13-Week Bill, the DJ Spot, the DJ Futures, the Philadelphia Gold & Silver, the Hang Seng, the Nikkei 225, the DAX, the CAC 40, or the FTSE 100. Other financial indicators may also be used, such as the Federal Funds rate, the Discount Rate, the Consumer Price Index, the Gross National Product, the Gross Domestic Product, and so forth. The aforementioned list of indices is only provided to present an illustrative set of indices, and should not be construed as exhaustive. Any financial index or other index suitable for comparison to changes in the measured quantity (in this case, net asset value of a fund) may be used with the systems described herein. Further, it will be appreciated that a tolerance may be derived from a selected index, such as by application of a formula to the selected index.
It will be appreciated that the same variance rule may be applied to each instance of data received in step 404, or a different variance rule may be established for each instance, e.g., for each different fund for which data is received, as determined according to, for example, the fund code described above. An interface may be provided for a user to specify a variance rule for each fund received, either together or individually.
Once a variance rule has been determined for received data, it may be determined whether the received data is within tolerance, as shown in step 410. This step may entail a straightforward comparison of the tolerance established by the variance rule of step 408 with the change in the quantity of interest, e.g., in the example above, a change in net asset value from one or more historical values to the value received in step 404. If the received net asset value is within the tolerance, then the process 400 may proceed to step 412 where the received data may be stored. If the received net asset value is out of tolerance, i.e., not within the tolerance range established in step 408, then the process 400 may proceed to step 414.
In step 414, one or more possible explanations for being out of tolerance may be presented to a user that provided the data received in step 404. These preset explanations may be required before storing received data. For the fund net asset value provided as an example above, explanations may include asset transfers, benefit payments, incorrect prior month values, cash influxes, cash withdrawals, collateral NAV changes, contributions, conversions, closing of funds, merger of funds, supplied and client verified NAVs, derivative fluctuations, changes in security market values, expenses, fund mergers, holding accounts, liquidation of partial assets, new money from shareholders, creation of a new fund, shareholder distributions, shareholder redemptions, shareholder subscriptions, trading activities, favorable or unfavorable exchange rates, or valid zero asset balances. Each explanation may have associated therewith a direction of change to which the explanation may apply. That is, certain explanations may only be applicable to changes that are greater than the established tolerance. Other explanations may only be applicable to changes that are less than the established tolerance. Some explanations may apply to either increases or decreases in the measured quantity. The type of variation to which each explanation applies may be displayed along with the explanations, or may be used to filter explanations prior to display, so that only applicable explanations are presented to a user. The explanations may include an "other" category, with which a user provides textual explanation. Optionally, no "other" may be provided, so that a user is required to select one of a plurality of specifically enumerated reasons.
The explanations above may be preset before data is provided. A user interface may be provided through which an authorized user may edit the preset explanations. Explanations available to a provider of data may be added, removed, or modified. Editing the available explanations may be appropriate, for example, in response to changes in economic or financial conditions, changes in accounting rules or procedures, or any other changes that may affect values for the received data.
As shown in step 416, a selection of one of the possible explanations may be received from the data provider for the data received in step 404. Once an explanation has been received, the data and the explanation may be stored, as shown in step 412. The process 400 is then done 418, and may be terminated, or may return to the start 402 where new data may be received.
When data has been entered and tested for variations as described above, an explicit record of substantial (as measured by defined variance rules) changes is preserved, and may be reviewed by managers, customers, or others who have appropriate authority to access data records in the system and may be interested in, for example, fund performance and variations.
It will be appreciated that the above process 400, may be realized in hardware, software, or some combination of these. The process 400 may be realized in one or more microprocessors, microcontrollers, embedded microcontrollers, programmable digital signal processors or other programmable device, along with internal and/or external memory such as read-only memory, programmable read-only memory, electronically erasable programmable read-only memory, random access memory, dynamic random access memory, double data rate random access memory, Rambus direct random access memory, flash memory, or any other volatile or non-volatile memory for storing program instructions, program data, and program output or other intermediate or final results. The process 400 may also, or instead, be realized in an application specific integrated circuit, a programmable gate array, programmable array logic, or any other device or combination of devices that may be configured to process electronic signals.
Any combination of the above circuits and components, whether packaged discretely, as a chip, as a chipset, or as a die, may be suitably adapted for use with the systems described herein. It will further be appreciated that the above process 400 may be realized as computer executable code created using a structured programming language such as C, an object-oriented programming language such as C++ or Java, or any other high-level or low-level programming language that may be compiled or interpreted to run on one of the above devices, as well as heterogeneous combinations of processors, processor architectures, or combinations of different hardware and software. The process 400 may also be deployed using software technologies or development environments including a mix of software languages, such as Microsoft IIS, Active Server Pages, Java, C++, Oracle databases, SQL, and so forth.
The funds button 502 may be used to navigate to a fund information page that provides information about funds with data stored by the system. The managers button 504 may be used to navigate to a managers information page that provides information about managers who are authorized users of the system. The reports button 506 may be used to access a report generation menu that may be used to print or download reports on funds, managers, variances, or any other data accessible through the system. The help button 510 may be used to access a help menu that provides descriptions of various functions, tool, menus, and the like provided by the system.
Information relating to the variant data may be provided by the interface 500. This may include the current period display area 512 which displays the time period for which the new data is being provided. The fund display area 514 may display a fund code that identifies the fund to which the new data relates. The net asset value display area 516 may display the current net asset value supplied for the current time period. The net change display area 518 may display the change from an historical value for the net asset value, the historical value being further displayed in the previous net asset value display area 520. The fund name display area 526 may display the full name, or an abbreviated name, of the fund identified by the fund code. The liquid asset value display area 528 may display the liquid asset value of the fund identified by the fund code (and the fund name). The percentage change display area 530 may display a percentage change between the current net asset value and the historical net asset value. The variance reason selection input 532 may be, for example, a drop down menu of explanations, and may be operated by a user to select a specific reason for the variance.
Other reference data may be accessed through the interface 500, such as information about funds tracked within the system (through the fund detail information link 522) and information about fund types tracked within the system (through the fund type link 524). Other buttons may be provided, such as buttons to navigate through a number of variance entry screens, which may be used, for example, when data for a number of funds are collectively supplied to the system (such as through a spreadsheet upload).
The interface 500 of
It will be appreciated that the interface 500 described above is merely exemplary, and that other controls such as radio buttons, sliders, scroll bars, and so forth may be used to receive user inputs, display data, and enable navigation through a Web site. It will also be appreciated that, as noted above, the systems and methods described herein may be suitably adapted to any data collection system for any type of data that is manually or automatically entered under user supervision. All such embodiments may fall within the scope of the invention described herein.
Thus, while the invention has been disclosed in connection with the preferred embodiments shown and described in detail, various modifications and improvements thereon will become readily apparent to those skilled in the art. It should be understood that all matter contained in the above description or shown in the accompanying drawings shall be interpreted as illustrative, and not in a limiting sense, and that the following claims should be interpreted in the broadest sense allowable by law.
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text:
I have a couple of modules which now have the need of JNDI.
One of these modules runs via Apache Tomcat while the rest run standalone as J2SE application.
I was able to configure the module which uses tomcat without a problem and I've googled a bit and gathered that JBoss JNP can be a good standalone JNDI server to use.
What I fail to understand is how I can reuse the resources definitions which I have already configured (for my module which runs via tomcat in the context.xml file).
Let's say I have the following resource defined in the XML file:
<Resource name="jdbc/dataSource" auth="Container" type="javax.sql.DataSource"
username="**" password="**"/>
And the relevant code which starts the JNP is:
System.setProperty("java.naming.factory.initial", "org.jnp.interfaces.NamingContextFactory");
System.setProperty("java.naming.factory.url.pkgs", "org.jboss.naming:org.jnp.interfaces");
NamingBeanImpl jnpServer = new NamingBeanImpl();
How can I have an
InitialContext instance identify the
jdbc/dataSource binding?


text:
Watch Chicago Fire Online
We have made it easy to watch Chicago Fire online by giving you many options on TV Fanatic to do so. Pick any season and give it a go. Watch Chicago Fire online.
Things get even more crazier when Herrmann attempts to save a toddler from a structural fire, while Brett and Cruz's relationship reaches breaking poing on Chicago Fire.
Severide asks Boden to give his friend a second chance, but Otis and Casey have doubts whether it's a good idea in the first place on Chicago Fire.
An apartment fire could cost Casey his job after Pat finds out about Casey sleeping with his ex wife, while Dawson goes on a date on Chicago Fire.
After Boden takes a leave of absence, the team at Firehouse 51 find themselves under new management, but who will be first to get in trouble? On Chicago Fire.
Temperatures drop in Chicago pushing some of the team to breaking point, while Dawson must care for a baby who is found on the driveway of the station on Chicago Fire.
The team at firehouse 51 remember Shay, while Severide and Dawson continue to search for the killer, on Chicago Fire.
The team must make a harrowing decision whether to save one of their own, or a civilian after a head on collision leaves two lives in jeopardy, on Chicago Fire.
Station 51 go out on a rescue mission to save two of their own, while Boden and Donna's newborn baby fights for life at the hospital on Chicago Fire.
On Chicago Fire Season 3 Episode 10, the team responds to a house fire that leaves a perplexing aftermath in its wake as Dawsey continues to struggle with personal and professional relationship issues. Elsewhere, Molly II's prepares for its debut and another family member arrives.
On Chicago Fire, members of Firehouse 51 respond to an accident involving a semi-truck that is leaking hydrochloric acid, as relationships, both old and new, are put to the test.


text:
Green light for $400m business park
Relevant offers
After eight years of waiting, a Southland businessman's multimillion-dollar business park plans are coming to fruition.
Ian (Inky) Tulloch has jointly invested in the $400 million Waterloo Business Park in Christchurch with Auckland-based Southpark Corporation executive director John Sax.
His Southland-based investment company is jointly owned with fellow Southlander Paul Johnstone.
He has wide business interests, ranging from transport and meat processing, through to pastoral farming, dairying and property management.
Mr Tulloch said he decided to invest in Christchurch because part of his transport business was based in the city.
"We have always owned and developed our own sites and this was a logical extension of that," he said.
He had bought the site eight years ago with a friend and had planned to build a depot and develop the site. He said it was a reasonable but good investment because land values eight years ago were much lower.
"It took us eight years to get a business park consent from Christchurch City Council and we were dealing with Environment Canterbury long before commissioners were appointed . . . now the process has been speeded up, however, earthquakes have slowed down planning and consent hearings and there have been seismological investigations."
It was a big project and he estimated construction of the park would cost up to $400m, and that 5000 people would be employed by companies in the complex.
"That's in addition to the many hundreds of jobs created in the development and construction phases."
Work on the $30m infrastructure is due to begin this month, with the sprawling site to be developed in stages over several years.
When the land was bought, there had not been earthquakes in Christchurch, so it was fortunate that the land, in the industrial area of Hornby, was on solid ground, he said.
"We are absolutely confident of business growth in Christchurch, and Waterloo Business Park is designed to meet the burgeoning demand for warehousing and logistics as well as light industry and manufacturing as the rebuild gains momentum," he said.
Businesses were crying out for quality industrial space and since the earthquakes struck, demand had soared, especially because some other industrial areas were deemed undesirable for re-investment, he said.
The 114-hectare, fully landscaped Waterloo Business Park would be one of the biggest in New Zealand, he said.
It would have fountains, boulevard-style roads, attractive outdoor areas and amenities such as a gym and cafes.
Mr Tulloch, who is well known for his feats in motorsport, business and politics as a former Gore mayor said Christchurch presented immense opportunities.
- The Southland Times
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Pool pooper takes business elsewhere
Search for missing boy: Police confirm car as Beckenridge's
Dogs left to starve in Southland garage
Kiwi nurse Bronni McBain tells of Ebola scare
Search for Mike Zhao-Beckenridge: Police believe missing car located
Toxins killed Southland cows, ministry says
Woman stabbed after bar incident in Te Anau
Jono and Kelly's win big at dairy awards


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Communion and Confirmation Parties
Join the fun this Easter at MacDonagh Junction and visit the Easter Cabin from 30th March- 10th April in Workhouse Square.
Take part in our Easter Egg Hunt from 27th March- 4th April and be in with a chance to win an Easter Egg! Entry forms are available at the Customer Service desk.
Join Elsa, Anna and Spiderman at our Easter Party on Saturday 4th April from 2pm-5pm. FREE face painting, games and giveaways! This event is not to be missed!
**Please note that Eddie Rockets will trade daily from 11am-11pm and K Bowl from 11am to 10pm .
The Big Dig at MacDonagh Junction.
Come visit us on Saturday 18th and Sunday 19th April
for The Big Dig.
In association with the School of Irish Archaeology this is a practical hands on and fun event. This medieval workshop excavation is designed around children from 5-12 years of age. This innovative product allows children to explore the Viking world through a simulated and controlled archaeology dig. The Big Dig incorporates the children's dig experience with educational, engaging and interactive activities throughout the day.
For booking please see email customer service firstname.lastname@example.com stating your preferred day and time. This is a FREE event. Sessions start on the hour and pre-booking is advised to secure a place. Times Saturday 9am - 5pm, Sunday 12 noon - 5pm.
Low battery? MacDonagh Junction are delighted to announce a FREE
phone charging service at the Customer Service Desk. Now there's
no reason to run out of battery again! Simply call over to the
Customer Service Desk and we will be happy to charge your phone,
camera or tablet!
Toadal IT are now open at MacDonagh Junction! From laptop repairs
through to network setups; smartphone repairs to graphic design,
Toadal IT offer a fantastic, all-round technology service to suit your
needs, whatever they may be.
'The Jacket Off Your Back' is a new project that Kevin Kelly,
Sue "Purple" Kelly and Emily Deveraux started at
the end of November, 2014.Their aim is to keep homeless people
warm this winter with their priority being the
Homeless in Ireland first and then Syrian refugee camps.
They have been collecting old and new coats,sleeping
bags and blankets and are handing them out nightly to those in need.
Any donations to this cause can be given into
the Customer Service desk in the Centre.


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Just inOn sale
Under $50
- Jewelry
Monica Vinader
- Monica Vinader
- Monica Vinader Rolo Chain$45 harrods.comThis delicate Sterling Silver chain from Monica Vinader is the perfect base for the designer's stylish array of pendants and charms. An adjustable style, this piece can reach a maximum length of 17 inches.
- Monica Vinader Silver Rolo Chain 38-43cm$45 liberty.co.ukThe perfect blank canvas for your charm collection, this lightweight Monica Vinader chain will look stunning with a statement gemstone or a quirky selection of your own charms. FEATURES: Suitable for attaching a jump ring or pendant. Lobster clasp. COMPOSITION: Sterling silver. DIMENSIONS: 38-43cm.


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RoryxSocialMedia picked a winning design in their twitter background design contest. For just $145 they received 22 designs from 12 designers.
Here's a peek at the client's brief
Graphic design made easy
99designs gives you quality graphic design at an affordable price. Just tell us what you need, get dozens of designs and choose your favorite.


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NYIT campuses in Abu Dhabi, Nanjing, and Vancouver.
Queens, New York
B.S., Business Administration York College
M.S., Human Resources Labor Relations, NYIT
NYIT promotes lifelong learning for both students and employees. Every day is a learning experience. Staff/Faculty are always willing and ready to share their knowledge so that our mutual goals can be met.
Be sure to study something that you really have a passion for. It may be what you end up doing for your life long career.
It's always fun to hang out with fellow co-workers at Kitchen Kabaret for lunch.
My lifelong dream of becoming a teacher may one day become a reality.
with my family! Both of my kids ensure that I stay busy at home!
Preview Day: Engineering & Computing Sciences and Management
Preview Day: Arts & Sciences, Architecture & Design
Preview Day: Arts & Sciences, Health Professions
Preview Day: Management, Architecture & Design, Engineering & Computing Sciences
Information Session


text: Jordan Rabinowitz 9:00 am, February 19th, 2013 Call in the hounds. The search is over. We found it. Thank you, member of the Georgia College Bobcats women's basketball team. DISCLAIMER: She sneezed before the shot was taken and took a mulligan. But still, this was a pretty bad free throw, amirite? Related posts: UPSET ALERT: 11th Seeded UCLA Beats 6th Seeded SMU On A Goaltending Call Watch Jim Boeheim Practically Beg The NCAA To Punish The Hell Out Of Him Things To Be Thankful For: You Didn't Have Your Jaw Kicked Off Last Night You Can Watch 'I Hate Christian Laettner' In Full, Here Previous Post Josh Hamilton Wants Texas Rangers Fans To Know That He Hates Them MLB They Said What? February 19, 2013 Next Post Listening To Announcers Say This Fight Might Change The Momentum Of Last Night's Flyers-Islanders Game Is Sad In Hindsight NHL Video February 19, 2013


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Boardwalk Empire Season 4 Definitely Coming And New Spoilers Already Revealed
Boardwalk Empire Season 4 definitely coming and new spoilers already revealed. Recently,TV Line,chatted it up with Boardwalk Empire's show runner Terence Winter,and he dropped a few,new,spoiler teasers that we can expect to see in the upcoming season 4.
Terence kicked off the season 4 spoiler fest by revealing that Gillian did not die from the injection,and is officially not dead. After that, he couldn't really reveal where Richard and Julia's storyline is headed,but did promise that they will still be on the show in season 4.
Next, he revealed that "there will be new challenges and new conflicts for Nucky. You don't want to repeat yourself. It's not just going to be the "Villain Of the Year." That said, certainly, the essence of drama is conflict and it's not going to be easy being Nucky Thompson."
He also confirmed that Kelly Macdonald is still a part of the show. He thinks Nucky has finally learned his lesson,and now knows "he can't be the glad-handing public figure anymore. He's got to go underground. He's got to keep his distance." Lastly, Terence revealed that the Nucky and Eli relationship has been rehabilitated as much as it can be at this point ,given their past history. Stay tuned. Season 4 makes it's debut in September 2013. Follow us on Facebook by Clicking Here. Follow us on Twitter by Clicking Here.Did You Enjoy this Post? Subscribe to Hollywood Hills on Facebook, Twitter, & Email
Recent Posts from On The Flix:
- Dancing With The Stars 20 Eliminated Charlotte McKinney & Keo Tonight,March 30th
- New Batman V Superman Details Dished By Henry Cavill At Empire Awards,New Clip
- New New NCIS Los Angeles Season 6,Episode 20 Official Spoiler Photos Hit The Net
- New NCIS Los Angeles Season 6,Episode 20 Official Spoilers,Description Revealed By CBS
- New Castle Season 7,Episode 20 Spoilers Delayed For Long Hiatus


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Paul Alley, president of Pestmaster Services, Kingston, N.Y., announced that Pestmaster Services of the Hudson Valley has added a second bed bug detection dog team to its staff.
KINGSTON, NY – Paul Alley, president of Pestmaster Services, Kingston, N.Y., announced that Pestmaster Services of the Hudson Valley has added a second bed bug detection dog team to its staff.
With the addition of this two-year-old black lab, Pestmaster is now able to self verify the accuracy of its own work through the use of multiple scent detection dogs and visual inspections. The use of multiple dogs also allows Pestmaster Services of the Hudson Valley to dramatically increase the number of square feet inspected in a single day by always having a fresh dog ready to work.
With more than ten years experience with scent detection dogs, Pestmaster Services of the Hudson Valley is always striving to stay on the cutting edge of pest management technology.
Two of the most destructive termite species in the world -- responsible for much of the $40 billion in economic loss caused by termites annually -- are now swarming simultaneously in South Florida, creating hybrid colonies that grow quickly and have the potential to migrate to other states.
Casey Parker recently won the ONE WORLD competition, organized by the UF College of Agricultural and Life Sciences Challenge 2050 Project in conjunction with the Syngenta Good Growth Plan.
During its meeting in Washington, D.C., on March 14, the National Pest Management Association's (NPMA) Board of Directors approved the organization's Pollinator Best Management Practices (BMPs).
Featuring a "Who's Who" of speakers with decades of experience serving the commercial pest management segment, the April 29 virtual event is filled with information you need to know to expand your presence in this dynamic marketplace. Cost is only $99 and attendees will receive full access to all of the educational sessions and a complimentary copy of the highly-acclaimed PCT Guide to Commercial Pest Management, a $29.95 value!
PMPs can put EcoRaider to the test in their own field applications.


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NiGHTS: Journey of Dreams is to have an official soundtrack released. It's a 3CD effort and the track listing goes a little something like this:
3,022 news items
Keranu said:
Damn, that's a huge soundtrack.
Quartz said:
Wow, that's a lot. Especially considering how pwnsome the old soundtrack was.
Nintendoof said:
Another plethora.
Senpai said:
6800 yen, right? I hope it comes out in the us so it will only be like, 25-30 bucks.
Epsilon said:
Wait what? NiGHTS already came out? I thought it was delayed *SPRINTS TO GAME STORE*.
Trowis said:
I wonder how much it will cost state-side. I must have this colleciton! I loved the music in this game.
Neveah said:
Does this include the full version of the violin song Hellen played with her mother (the one she played at the clock tower. Not the violin version of dreams dreams).
AListu said:
Why is game music so hard to find?! I keep finding the track listings all over the web but nowhere to actually buy it.
Ace said:
Were can I buy the soundtrack!?!?
Fur-man said:
Where do I get it in the UK?
Project Ukulele - Possible Hint at Characters
Could it be?
Free to Play Pokemon Shuffle now available on 3DS eShop
Nintendo offers another micro-transaction based title
Gold Mario Amiibo is a Wal-Mart Exclusive
Get ready to shell out your coins
Area Effect Announces Izle for Wii U
Part action, part adventure, all cel-shaded
Nintendo Confirmed As Sponsor For APEX 2015
Another positive step for the Smash competitive scene
Majora's Mask 3D Collector's Edition Contains Skull Kid Figurine
Pre-orders are now open!
Ackk Studios Rings in the New Year with New Y2K footage
Starting the New Year with a bang!
Is Nintendo Making A New Wii U Gamepad?
Recent commercial may have leaked new GamePad model
Zeldathon Relief Announced
Pot smashing for a great cause
Why the Inclusion of The Duck Hunt Dog in Super Smash Bros. Was Brilliant
How the the most hated character in video games rose to the top of the Smash heap
Michael Jordan said:
No they're making it from the movie ... Speed Racer: The Video Game
daveoneal said:
Thanks Rob. I had no idea this one was published. I'm very happy about it! Yes, Jonathan, it is hard as all get-out, ... Street Fighter 2010: The Final Fight review
daveoneal said:
This was a very well-written review. Apparently Super Hexagon was developed by Terry Cavanagh (who made vvvvvv), so ... Cosmophony review
dirk said:
:p p ... TMNT: Smash Up
dirk said:
cool :p ... TMNT: Smash Up
Wii's World is not officially affiliated with Nintendo! (but they wish we were).


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Special Education Workshop April 5th
LACONIA — Lakes Region Community Services hosts a free workshop titled Around the Special Education Workshop in One Day held on Saturday, April 5 from 9 a.m. to 3 p.m. The workshop is held at Lakes Region Community Services on North Main Street.
This comprehensive, one day seminar provides participants with the tools necessary to understand and participate more effectively in the special education process. This seminar combines components of four of our most popular training sessions, including Steps in the NH Special Education Process, Disability Awareness, Parents and Educators: Partners in the Process, and The IEP Clinic.
Last Updated on Tuesday, 25 March 2014 08:06
Hits: 102
Children's Author Tea on April 8
LACONIA — In celebration of "Strengthening Families and Communities Month," the Family Resource Center of Central New Hampshire has invited 9 local authors and illustrators to attend the annual Children's Authors Tea held on Tuesday, April 8 at Belknap Mill in downtown Laconia from 5-7 p.m.
"The Tea has become a wonderful family tradition and the Family Resource Center is excited to offer this memorable event to families and children of the community," says Shannon Robinson-Beland, Director of the Family Resource Center.
The Children's Authors Tea provides an opportunity for quality family time while also promoting early literacy. Local authors and illustrators of children's books - Warren Bouton, Jennifer Carson, Kathleen Deady, Terry Farish, Marty Kelley, Shawn Middleton, Robby Neylon, Denise Ortakales and Dal Rai will share their love of literacy with the children and families in the Lakes Region. Families attending the tea can meet the local authors and hear them read their stories aloud and purchase signed copies of their books.
Tea and tea snacks are offered to all and children that attend receive a free book while supplies last. Through the generous sponsorship of Curt's Caterers of Gilford, the event is free to families in the Lakes Region. For more information about the Author's Tea contact the Family Resource Center at 581-1558.
Last Updated on Tuesday, 25 March 2014 08:02
Hits: 146
Another Pitmans Comedy Sellout
LACONIA — The combination of an exciting diverse BYOB venue, genial hosts, and great talent have made Pitman's Freight room a destination point for regional comedy fans who once again filled the 94 New Salem St. music and function hall as 210 comedy fans turned out for the March 15 show starring national act Joe Yannetty.
This marked the third time Pitman's has topped the 200 mark for a comedy night including the last two shows in which every available seat was filled. Reservations for the April 19, "New York/Boston Comedy Clash" starring Steve Bjork and Corey Rodriguez as the main headliners, were being taken as people were leaving the March 15 show.
"It's been great," said Connie Mitchell, who along with husband Dick own and operate Pitman's. "All three comedians were great; the shows right along from the first one a year and a half ago up to now have all been great and every show is different. Everyone we talked to said they loved it (the March 15 show)."
As for April 19, both headliners will be making their first trip to Pitman's. Bjork has been entertaining comedy crowds for more than 20 years with his strange view of everyday life and a look at the past that virtually every one of his audience members has experienced.
Bjork reflects on childhood occurrences, being a father, and everyday life that receive the Bjork twist. Bjork has performed in Las Vegas, cruise ships, been seen on Comedy Central, as well as the Mohegan Sun in Connecticut, Hilarities in Orlando, FL and Cleveland, OH; TSM Comedy Club in Louisville, KY; Crackers in Indianapolis, IN, Penguins in Cedar Rapids, IA, and many, many others as well as being a New England favorite.
Rodrigues will be making his way up from New York City prior to heading out for a week at the Silver Legacy Resort in Reno. Rodrigues is a regular at Dangerfields in New York, Catch a Rising Star, Mohegan Sun, and every major club from L.A. to Boston.
Rodrigues is a previous winner of the Catch a Rising Star Comedy Competition, and was a previous winner of the Funniest Comic in New England Contest.
Upcoming music nights at Pitman's include, Thursday March 27, Boo Boo Groove Jazz Band; Friday March 28, Dance night with Brickyard Blues Band; Thursday April 3, Zeke Martin and the Oracle Jazz; Saturday, April 5, Rosemary Casey with Shaun England.
For the complete schedule check www.pitmansfreightroom.com .
Last Updated on Tuesday, 25 March 2014 07:58
Hits: 119
Devin M. Denoncourt, 35
LACONIA — Devin Michael Denoncourt, 35, formerly of Laconia, passed away suddenly on Friday, March 21, 2014 from complications with an undetermined heart condition at George Washington University Hospital in Washington D.C. He had been a resident of Rockville, Md. for the past eighteen months.
Born March 2, 1979 in Newton Massachusetts, son of Dennis and Susan Denoncourt of Laconia, NH. Devin attended Laconia Schools from kindergarten through High School and participated in Lou Athanas Basketball, Pop Warner Football, and Laconia Little League Baseball. In high school, he played football as an offensive and defensive lineman during the Sachems back to back State Championship seasons in 1995 and 1996, was Captain his senior year, and represented Laconia on the NH All Star Shrine Football Team in 1997. Devin graduated from Southern New Hampshire University where he majored in Hospitality Management in 2001.
Devin had worked for Marriott International starting as a front desk manager while in college and working his way to his most recent position as General Manager at the Courtyard Marriott at Foggy Bottom in Washington, D.C.
Devin is survived by his fiancé, Sheila Rhilinger, originally from North Attleboro, Mass., and their son Dylan Michael, both of Rockville, Md., his beloved bulldog Moxie, his parents Dennis and Susan Denoncourt, his brother Jason Denoncourt of Lexington, Mass. and wife Rena, their children Mike, Luke, and Amelia, his sister Nicole Sloane of Bedford and her husband Geoffrey and daughter Susan, his grandmother Cleo Spain of Concord, and many, many loving aunts, uncles, and cousins.
Calling hours will be held on Friday, March 28, 2014 from 5 to 8 p.m. in the Carriage House of the Wilkinson-Beane-Simoneau-Paquette Funeral Home, 164 Pleasant Street, Laconia, N.H.
A Mass of Christian Burial will be celebrated on Sat., March 29 at 10:30 a.m. at St. Andre Bessette Parish, St. Joseph Church, 30 Church Street, Laconia, N.H.
Burial to follow at Blossom Hill Cemetery, 207 North State Street in Concord, N.H., with a reception to follow at the Kimball Jenkins Estate, 266 North Main Street, Concord, N.H.
Memorial donations may be made to the Dylan Michael Denoncourt Trust Fund c/o Bank of New Hampshire, 62 Pleasant Street, Laconia, N.H. 03246.
Wilkinson-Beane-Simoneau-Paquette Funeral Home & Cremation Services, 164 Pleasant Street, Laconia, N.H. is assisting the family with the arrangements. For more information and to view an online memorial go to www.wilkinsonbeane.com.
Last Updated on Wednesday, 31 December 1969 07:00
Hits: 1921
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- The Streetcar Company to present Les Miserables


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- Brandon's whiny Vegas recap
- BIG FOOTY NEWS from Jon, MN soccer's OG fan
- Are AP and his agent really this stupid?
- The official Sportive stance on public funding
- Wild still good / Twins still bad
- Idea: platoon fifth starter
Plus we hit our tangents quota. Give it a listen!
Podcast: Play in new window | Download


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"Great performance"
I call it a performance because it is not just an audiobook being read, it has the feeling of a comedy skit being performed. I would often listen to audiobooks on the tram to work, but I couldn't with this one. I would burst out laughing too often and receive some crazy looks. Absolutely funny. Well worth the credit. Hihgly recommend.comedy
"Finally on audiobook!"
This is perhaps one of Stephen King's greatest novels. I remember first reading it as a kid and it still creeps me out to this day (I can never look at clowns the same way again).
What makes this even better is it's unabridged. At 44 hours long, you definitely get a lot for one credit.
I was also very pleased with Steven Weber (of Wings and the TV-made version of The Shining fame) reading. His voice really makes this book worth hearing.
"Great book, choppy reading"
I'm a big fan or Morrell and I loved this book, but the production on this audio version is pretty sub-par. The narrator's voice goes really fast, as if the speed on the tape was increased. This makes it difficult to understand some of the words and the listener can end up confused on some character and plot points simply because it goes too fast to process.
"Excellent reading"
The Shining is probably one of Stephen King's best books. It frightened me when I first read it almost fifteen years ago and it frightened me again. Campbell Scott's reading was perfect.
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