text:
web-posted Wednesday, March 25, 2015
web-posted Wednesday, March 25, 2015
Festival season is upon us in Southeast Alaska. This weekend, Skagwegians will welcome hundreds to their community for the Buckwheat Ski Classic, marking winter's end with a distinctive celebration of snow. Next weekend, Ketchikan will celebrate a harbinger of spring - the Rufous hummingbird - with the start of its month-long Alaska Hummingbird Festival. And the week after that, beginning April 6, it's the Alaska Folk Festival in Juneau - the official kick-off to warmer weather for many. From there, a different festival will be taking place somewhere in Southeast nearly every weekend through September. The CCW will be putting out its annual Fun & Festival Guide next month, but to help readers keep track of what's happening on a weekly basis, we've introduced a Southeast Spotlight box on page 2, highlighting a major event or festival in a Southeast community for the coming week. This spotlight will supplement our What's Happening listings on page 3.
web-posted Wednesday, March 25, 2015
Seven times is the charm for building some momentum on a measure that aims to give personal use (PU) fisheries a priority over commercial and sport users. As it stands now, the three fisheries all are on equal footing in the eyes and actions of state managers.
web-posted Wednesday, March 18, 2015
Juneau Wednesday
web-posted Wednesday, March 11, 2015
Like wood carving and textile weaving, metalsmithing is an artform for which the Tlingit and Haida tribes of Southeast Alaska have long been well known. Beginning with the use of Alaskan copper prior to contact, and continuing with post-contact materials such as silver, Tlingit and Haida craftsman laid the foundation for a tradition that continues to flourish in the work of modern artists.
web-posted Wednesday, March 11, 2015
Editor's note: We are currently in the process of updating these listings. If you have information you would like to see appear here, please contact email@example.com.
web-posted Wednesday, March 4, 2015
Editor's note: We are currently in the process of updating these listings. If you have information you would like to see appear here, please contact firstname.lastname@example.com.
web-posted Wednesday, February 25, 2015
Editor's note: We are currently in the process of updating these listings. If you have information you would like to see appear here, please contact firstname.lastname@example.com.
web-posted Thursday, February 5, 2015
The wolves of the Alexander Archipelago are mysterious; scientists don't even agree about whether or not they're a subspecies of the gray wolf.
web-posted Wednesday, January 14, 2015
Whether trapping muskrat on a New England golf course, wandering the Arizona desert with his father, or counting sockeye in Yakutat, Mike Freeman looks for - and finds - the wonderful in the natural world. To read "Neither Mountain nor River: Fathers, Sons, and an Unsettled Faith" is to immerse yourself in a wide swath of America, and to appreciate its sometimes harsh beauty.
web-posted Wednesday, December 3, 2014
Retired Yakutat High School boys basketball coach Bertrand Adams Jr. went to the town's airport on Friday night to see a former player off.
web-posted Wednesday, December 3, 2014
Dark-eyed juncos hop all over Sitka's roadsides and gardens in the winter, but no one knows where those birds go come summer.
web-posted Wednesday, December 3, 2014
The first measurable snow of the season arrived in Juneau on Nov. 29, setting several records in the process.
- Spring may be here, but at the Buckwheat, winter is coming
- Author of "One Sitka Summer" to give readings in Sitka and Juneau
- SHI to sponsor first family night for Baby Raven Reads
- Paris of the Pacific auditions scheduled in Sitka
- Letter from the editor
- Photos: Gold Medal 2015
- Juneau library to launch Alaska Native oral history project
- Slideshow fundraiser organized to raise funds for Vanuatu
- Where are we, anyway?
- Book review:'Iditarod: The First Ten Years'
- Reading Foreign: Fiction ripped from the headlines
- Artist-in-residence program begins at Ernest Gruening State Historical Park
- Artists Selected for Chilkoot Trail Artist Residency
- The K.I.S.S. in Cooking
- 'Insurgent'star Jai Courtney sees film's deeper message
- Writers weir: Sing Hello and Welcome Back
- Movie guide
- The Beer Up Here
- New Skagway business seeks artists
- A Little Touch of Harry at McPhetres Hall
- 'Denali's Howl' author to speak at UAS March 27
- Symphony conductor candidate #3 to lead concerts this weekend
- Art in unusual places


text:
Discussion in 'Disney Cruise Line Forum' started by goeva, Jan 10, 2013.
Those are AMAZING!
Log in or Sign up to hide this advert.
Hi, Beth: Here are your requests.
OMG! I LOVE LOVE LOVE THEM!!!!! Thank you so much!
Hi Eva,
When you get a chance, can I get a yellow postage stamp Mickey with the Disney Magic, The Posey Family, and the dates April 26-May 4? Thank you SO much!!
I noticed your home city, we are in McKinney too
Thank you! That made me really happy.
You're very welcome. Glad to help.
Hi, Neighbor:
I will work on it tomorrow.
I am going to print ALL of them for the cruise AND and print extra of the Ribbon one for all of our cars! I will be proud to display Autism Awareness on our cabin door. I and my "Big Jen" Thank you !
How much are these?
How long does it take to receive them?
I would also like to put in a request please!
Is it possible to have Abby on one ear and Olivia on the other? We will be on the dream January 27th. I like the black with red, blue or pink.
Love all your designs. Amazing work!
OMG thanks so much!!! I love them!!!!!
You're very welcome. Glad to help.
You can find more blanks in my photobucket.
These are too cute! Can I have one made in the turqoise that says April 16-20th 2013, Disney Magic, the Evans?
I wanted to see if you could make 2 yellow mickey postage stamp with Disney Wonder, The Steele Family, May 6-20, 2013 and same information with May 2-6 for our upcoming B2B cruises.
Thank you so much!!!
Thank you so much for making the Mickey for the Howards! This will be our first cruise and we are super excited! By the way, I see you are in McKinney....I grew up in Allen! It's a Small World after all
It is.
You're very welcome. Glad to help.
Have a GREAT cruise.
Goeva, could I get a turquoise blue Mickey head Keep Calm with the date March 2,2013 , Fantasy . Thanks !!!
Thank you sooo much! Love them
Thank you sooo much! I love it!!!
Eva--would you please make me one of the black heads with blue writing that reads Keep Calm and Cruise On with Disney Magic in one ear and March 15-19, 2013 in the other? If you are able I would also love to have three of the Mickey Life Preservers that read Rhonda, Rachel and Steven individually.
I would so appreciate it. Thanks!!
Separate names with a comma.

subset: commoncrawl


text:
DEFINITION of 'Cooke Ratio'
A ratio that calculates the amount of capital a bank should have as a percentage of its total risk-adjusted assets. The calculation is used to determine a minimum capital adequacy standard that must be maintained by banks in case of unexpected losses.
From the First Basel Accord of 1988, the minimum requirement was determined to be a Cooke ratio of greater than or equal to 8%.
INVESTOPEDIA EXPLAINS 'Cooke Ratio'
The ratio was developed to ensure that all banks had enough capital set aside to lessen the risks on their respecitive assets. The main issue that critics have with the cooke ratio is how it put all borrowings from the bank on the same level, even though some were riskier than others.
In response to such concerns, the Cooke ratio was reviewed in 1999 and a new ratio was agreed to be created. In 2001, the McDonough ratio was created which gives banks greater control over how they calculate the ratio based on their own risk management procedures. The official changeover from Cooke ratio to McDonough ratio occured on December 31, 2006.
Capital1) Financial assets or the financial value of assets, such as ...
SolvencyThe ability of a company to meet its long-term financial obligations. ...
Basel Committee On Bank SupervisionA committee established by the central bank governors of the ...
LoanThe act of giving money, property or other material goods to ...
Central BankThe entity responsible for overseeing the monetary system for ...
Asset1. A resource with economic value that an individual, corporation ...
Personal Finance
What Are Central Banks?They print money, they control inflation, and much, much more. All you need to know about central banks is here.
Bonds & Fixed Income
An Overview Of Corporate BankruptcyIf a company files for bankruptcy, stockholders have the most to lose. Find out why.
Personal Finance
What Is The Bank For International Settlements?Get the scoop on the structure and functions of the oldest global financial institution.
Mutual Funds & ETFs
How To Choose The Right ETF?Choosing the right ETF really isn't that complicated. If you stay focused on a few key areas, you may find the experience to be much easier.
Bonds & Fixed Income
How to Diversify with Muni Bond ETFsThinking of diversifying with bonds? Consider these muni bond ETFs.
Trading Strategies
Capitalize On Collars To Enhance Your TradesTrade collaring measures current technicals and makes swift adjustments to account for environmental changes.
Technical Indicators
Strategies To Trade Volatility Effectively With VIXVIX offers a bird's eye view of real-time greed and fear, while providing a snapshot of the market's expectations for volatility in the next 30 days.
Mutual Funds & ETFs
How To Build A Bond Ladder?Bond laddering is a strategy used when building a portfolio: an investor can spread out interest rate risk and create a stream of cash flows for income.
Fundamental Analysis
How Investment Risk Is QuantifiedFInancial advisors and wealth management firms use a variety of tools based in Modern portfolio theory to quantify investment risk.
Credit & Loans
Understanding Loan-to-Value RatioLoan-to-value ratio (LVR) is a tool used to evaluate the risk in a collateralized loan, usually a mortgage loan.


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find all global packages, list them by directory
one module to rule them all, one module to find them, one module to bring them all
and in the darkness, lexically bind them
find all globally installed packages, resolving to a list of directories representing global packages.
var findGlobal = require'find-global-packages' findGlobal // dirs will be a list of strings representing // paths to globally installed packages.
findGlobal(ready :Function(err :{Error|null}, dirs :Array<String>))
Takes a single node-style callback, resolves to either an error or a list
of directories. Directories are vetted by the presence of a file called
package.json (but not its contents).


text:
Reviews For Wigwam Socks S1042 052
This Product:
Wigwam Socks: S1042 052 Black Cotton Blend Low-Cut Socks 3-Pack
Write A Product Review For This Product
Wigwam Socks: S1042 052 Black Cotton Blend Low-Cut Socks 3-Pack
All product review submissions are moderated. Only approved reviews are awarded rewards points. Make sure your review gets approved by following these guidelines:
- Please only write about the product that you are reviewing.
- Each review must be at least 200 characters. Extra punctuation & gibberish do not count.
- Please write honestly no matter if the review is positive or negative.
- Please use respectful language, written in English.
- Do not copy and paste from other websites. Plagiarized reviews are automatically rejected.


text:
We found 2 sites within 16 miles of Cwmgwrach with 2 bookable
Bridgend, Glamorgan, Wales Show on map
|Electric grass pitch - four people
|4 x
|From £16/€20.30/AU$29.39/$25.75 per night
|Electric grass pitch - six people
|6 x
|From £16/€20.30/AU$29.39/$25.75 per night
Ammanford, Carmarthenshire, Wales Show on map
|Hardstanding pitch - optional electric
|unlimited x
|From £15/€19.03/AU$27.55/$24.14 per night
Let us help you find more search results…
Try increasing your search radius to within 26, 36, 46, 56 miles of Cwmgwrach.
Try widening your geographic area to: Glamorgan, or South Wales, or Wales.
Remove all
or some of the search filters:
Remove Motorhome service point


text:
This story picks up at what should have been the end. Frank Van Wie was just sentenced to 10 years in state prison after being convicted of Bimagy for simultaneously being married to 14 different women. However, sadly for the women of California, Van Wie was released on parole after serving only two years […]
Who Was the Ding Dong Daddy? – Part 2
by Amber Sesnick, Visitor Services & Marketing in Artists, Exhibitions
Who Was the Ding Dong Daddy? – Part 1
by Amber Sesnick, Visitor Services & Marketing in Artists, Exhibitions
This story takes place during World War II, at which time he reportedly courted and married many of the women he met while working the streetcar. The problem is, he did not bother to…
Art Adventures & Art for Two 2014 Schedule
by Amber Sesnick, Visitor Services & Marketing in Education
Please join us in 2014, as we kick off a new season of classes. We have children's class options with our Art Adventures and Art for Two classes. For more information or to register for classes, please call 904.355.0630. Art Adventures Schedule Ages 6 to 12 10:30am – 12:00pm Members $10 per […]
Modern Dialect: Recommended Reading List
by Amber Sesnick, Visitor Services & Marketing in Cummer Shop, Education, Exhibitions
These books are recommended as sources to put the era of these poignant paintings into perfect context and perspective. From the hardships of the Depression to the artwork that came out of it to the politics of the time, these books will…
Zot Artz – Arts for All Professional Development Workshop
by Amber Sesnick, Visitor Services & Marketing in Education
On December 5th 2013, we will be hosting a Zot Artz – Arts for All Professional Development Workshop, sponsored by FDLRS Crown. This exciting, fun filled workshop aimed at educators, artists, and community service providers will teach…
Decoding the Prints of William Walmsley
by Amber Sesnick, Visitor Services & Marketing in Art, Artists, Exhibitions
To get you to see his message and his commitment to the idea of freedom of expression, he exhibits an deep sense of irreverence, seeming to shout that nothing is sacred, not even art.
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"One girl can be silenced, but a nation of girls telling their stories becomes free" slideshow
A photo contest winner
Topics: 2012 Elections, Mitt Romney, Rick Santorum, News, Politics News
Now that the Romney campaign is officially shaking its Etch-A-Sketch, the name "Rick Santorum" will begin to fade from our collective memory. As he exits the national stage, I find myself wondering what kept him from capitalizing on the "anything-but-Romney" attitude that seemed to define many Republican voters' attitudes. Money, certainly, was a significant and well-documented driver of the outcome. But what if we sought to understand the primary through a data-driven lens?
An interesting question, for sure, but, as anyone who works with data knows, the first challenge is to get your hands on the numbers. Fortunately, there's one source of data that politicians are eager to provide in limitless quantities: their words.
In order to make sense of a mountain of words, I created a tool that analyzes the frequency of word and phrase usage in a body of text. The texts in this case were the transcripts of candidates' speeches and interviews culled from Project Vote Smart between January and early April, creating a corpus of over 80,000 words (roughly the number of words in a 320-page novel). The tool then identifies phrases of one to six words in length that have been used with a non-trivial frequency. So what does it tell us?
On the Primary and the General Election
The popular understanding of the Republican primary was that Romney was more focused on Obama, while Santorum was busy battling Romney. The data bears this out: While both candidates mentioned Obama with high frequency — 2.2 mentions per thousand (MPT) for Romney, 2.0 MPT for Santorum — Santorum discussed other Republican candidates (3.8 MPT for his Republican peers) about three and a half times as often as Romney (1.1 MPT).
On a related and somewhat humorous note, one of Santorum's favorite eight-word phrases was "Romney is the worst Republican in the country." Digging into the actual text turned up a second, related phrase commonly used by Santorum: "make Barack Obama the issue in this [election]." Santorum generally used that phrase to compare "Romneycare" (a word with a relatively high 0.4 MPT for Santorum) with "Obamacare." By contrast, one of Romney's favorite six-word phrases was: "I'm going to become the nominee."
On Job Creation and the Economy
One of the main memes of this election cycle has been "jobs" and "job creation." (Admittedly, it's at least a minor meme in every presidential election.) But who talked about jobs more often? Romney did — more than twice as often, in fact. Romney had a "job creation"-related MPT of 1.7, compared to 0.8 for Santorum.
A related, significant component of the broader discussion on the economy was the subprime mortgage crisis. When it comes to terms that are a part of this discussion such as "Fannie," "Freddie" and "homes," Romney was once again the dominant voice, with an MPT of 1.0, well above Santorum's MPT of 0.2
While Romney addressed specific aspects of the economy more often, both candidates discussed the "economy" with a relatively close (and fairly high) frequency. Santorum's MPT for economic terms was 1.9, only about 13 percent lower than Romney's MPT of 2.2.
Faith and Conservatism
Santorum used faith-related terms about three times as frequently as Romney did, based on the occurrence of words like "God," "faith," "church," "Christian" and "religion." Romney had about 0.5 MPT, as compared to Santorum's 1.4 MPT.
Both candidates had good reason to discuss their conservative credentials: Voters and the media constantly questioned Romney's conservatism, and Santorum's steadfast conservatism was a competitive differentiator. And yet, it was Santorum who mentioned "conservative" and "conservatism" about 40 percent more frequently than Romney, with an MPT of 1.4 against Romney's 1.0. In the end, one of Santorum's clearest advantages — one that he spoke about with regularity — did not pay dividends.
Speech Patterns: Vocabulary and Verbal Tics
As it turns out, both candidates had nearly an identical-size vocabulary across the body of text analyzed. Santorum used 4,088 unique words, while Romney used 4,090. By another measure, however, Romney spoke with more diversity: Santorum repeated 247 two-word phrases more than 15 times each, representing over 20.3 percent of his speech. Romney had just 233 such phrases, representing only 18.5 percent of his speech.
But when it comes to common verbal tics like "uh," "um" and "you know," Santorum was the undisputed leader. While transcripts generally don't include "um" and "uh," they capture in spades "you know," "well" and the repetition of common words, such as "the … the." Romney demonstrated a "verbal tic" MPT of only 6.0, compared to Santorum's 9.8. In fact, roughly one out of every 200 two-word phrases uttered by Santorum was "you know."
Bringing It All Together
The above analysis allows us to roll up all of these topics into a fascinating side-by-side comparison. It's important to note that these figures are very meaningful when comparing candidates. When it comes to topic-to-topic comparisons, the results may be deceiving. It's easy to count mentions of President Obama's name, for example; it's much harder to calculate mentions of specific topics — like jobs or the economy — that have many different synonyms. Nevertheless, these figures provide a directional, data-driven picture of how much time each candidate spent discussing any particular issue.
While the ultimate reason for Santorum's loss might have more to do with money and momentum, these results point to two possible conclusions. The first (and more likely) is that these differences are exactly what enabled Santorum to stay competitive as long as he did, and that an apples-to-apples choice on economic issues would have sealed Romney's candidacy earlier. But might Santorum have done better by dedicating more time to jobs and housing? Did he spend too much time attacking Romney instead of focusing on his own positions? Did Santorum's propensity for verbal tics shake voters' confidence?
As Romney now rejiggers his message for the general election, he's likely to emphasize even more the subjects that have been his main talking points throughout the primary: the economy and President Obama. Whether his faith becomes more or less of an issue as Election Day nears remains to be seen. And his discussion of "other candidates" will disappear completely — unless, that is, you're counting on another comeback from Newt Gingrich.
Dan Kozikowski writes about the intersection of data and everyday life at dfkoz.tumblr.com.More Dan Kozikowski.
A photo contest winner
A photo contest winner
Superhero Project
"In life many people have two faces. You think you know someone, but they are not always what they seem. You can't always trust people. My hero would be someone who is trustworthy, honest and always has their heart in the right place." Ateya Grade 9 @ Mirman Hayati School (Herat, Afghanistan)
Superhero Project
"I pray every night before I go to bed for a hero or an angel capable of helping defenseless children and bringing them happiness. I reach up into the sky hoping to touch a spirit who can make my wish come true." Fatimah Grade 9 @ Majoba Hervey (Herat, Afghanistan)


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Dr. Thomas P. Fry, DO
Family Medicine
- 235 S Gary Ave
Bloomingdale, IL 60108
- 3 Locations
- (630) 893-9600
Dr. Thomas P. Fry graduated from the Midwestern University/ Chicago College of Osteopathic Medicine in 1998. He works in Bloomingdale, IL and 2 other locations and specializes in Family Medicine and Urgent Care Medicine. Dr. Fry is affiliated with Central Dupage Hospital and Delnor Community Hospital. He speaks English and Spanish.
Gender: Male
Languages Spoken: English, Spanish
Family Medicine, Urgent Care Medicine
Medical School: Midwestern University/ Chicago College of Osteopathic Medicine; Graduated 1998
*This physician has multiple office locations. See Office Information for details.


text:
Community Food Council Hosts Panel Discussion about Grocery Store Opportunity
The South Hutchinson-Reno County Food Policy Council hosted a panel discussion Jan. 29 about options for a new grocery store in the community. Approximately 60 residents responded to the public invitation. Read the full article here.
New Graduate Research Assistant Position Open
CECD is looking for a Graduate Research Assistant to help support the director and staff of CECD and provide research and outreach around our rural grocery initiative. You can find more information about the position here.
Salina Hosts Meet and Greet to Discuss Local Food System
Community members in Salina, Kan. took the first step to examine their local food system at the Meet, Greet, and Eat-Local! event that took place Thursday, Jan. 29. Approximately 180 people attended to meet and get to know those involved in the program. They sampled local foods and listened to a panel discuss topics relevant to the city and surrounding county's food industry.
High Plains/Midwest Ag Journal: Few Things are Better than Small-town Grocery
The High Plains/Midwest Ag Journal recently published a story on small town grocery. Read the full article here.
Project 17 Iola EventProject 17 and the Center for Engagement and Community Development kicked off the Small Business Marketing and E-commerce Assistance project in Iola, Kansas on Friday, November 7. The audience was Project 17 area growers, producers, processors or manufacturers of food or agribusiness products and makers of unique, artisan products. The project purpose is to assist local businesses to increase in sales and grow. Funding came from the USDA Rural Development Rural Business Enterprise Grant Program.
Ag Minute: Kansas Grocer forms unique relationship with local farmers
Produce items adorned with oval-shaped gold stickers at Hiawatha Thiftway, located in northeast Kansas, are grown by local farmers. Store owner Tim White partners with the local farmers' market to bring these locally grown foods into his store.
Rural Grocery Case Study
The Hired Man's Grocery and Grill in Conway Springs (KS), The Onaga Country Market in Onaga (KS), and Gosch's Grocery in Randall (MN) have been chosen as case study grocery stores for a national grant funded by the U.S. Department of Agriculture. The grant is organized and managed by Kansas State University's Center for Engagement and Community Development. According to project director, Dr. David Procter, "The project focuses on highlighting the healthy food options available in local grocery stores and will provide nutrition education on site to help customers make healthy food choices."


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Second person to plead guilty in shipping fraud case
Published: August 14,2013
Tags: bench, court, crime, fraud, Harmoni Shipping, Jennifer Griswold, John Roper, judge, judicial, judiciary, justice, law, Lee Griswold, legal, shipping
JACKSON — Federal court records say a woman intends to plead guilty today as part of the fraud investigation of a shipping company in south Mississippi.
Dustin Lee Griswold and Jennifer Griswold were indicted May 14 on charges related to Harmoni Shipping in Biloxi. The Griswolds are married.
Dustin Griswold was charged with one count of conspiracy and 15 counts of fraud, but he pleaded guilty only to the conspiracy count on Aug. 7 in U.S. District Court in Gulfport. The court's website didn't say when he will be sentenced.
Jennifer Griswold had been charged with conspiracy, but on Monday she was charged with one count of withholding information on a crime. That charge came in a criminal information, which is filed by prosecutors when a defendant has agreed to waive grand jury indictment and plead guilty.
Her hearing is scheduled for this afternoon. Her attorney, Peter Barrett, said Tuesday that he can't comment on pending cases.
Dustin Griswold has been held without bond. U.S. Magistrate John Roper wrote in a detention order in June that Dustin Griswold had been a fugitive from justice in 2006 and 2009 and had been convicted of assault and theft charges in the past.
Jennifer Griswold has been free on $25,000 bond.
The indictment says Harmoni Shipping solicited business by purporting to be an international shipping company and asking customers for payments. The Griswolds then would hire a third party, such as UPS, to ship the goods, but prosecutors said they never intended to pay the party that did the work.
Prosecutors said the alleged scheme operated from March to July 2009.
In a case described in the indictment, the Griswolds allegedly told a company called AWM Transportation that Harmoni Shipping owned multiple trucks and could move their goods across the country. AWM Transportation hired Harmoni Shipping, but Harmoni used UPS to move the products, the indictment says.
Prosecutors say the Griswold's dodged attempts by UPS to collect $29,000 in unpaid bills.
The Griswolds also were accused of trying to solicit money from AWM Transportation by saying that the company's freight was "being held for ransom on the side of the road," the indictment said.
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In Stock
Color: Black
Size: 7
The Lamar Justice Snowboard Boots will definitely fit the style of many riders out there, but more importantly it will perform on a level that anyone can appreciate. This boot delivers a product that may not have an eye popping design, but its performance and comfort leave the competitors in trails of powder. Uniquely constructed with a 100% Nylon material on the upper portion, it is clear these boots can take a real beating and keep going like nothing happened. This is matched with must have details like a flex zone tongue and soft touch lacing, which blend to make the Justice one of the best all-around products you can buy.


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2 lovely debut sets, Crissy. Good luck in the contest!EnglishBabs
Thanks or the friendship! Hope you enjoy my sets! I have new sets going up about every week & a half so stay tuned & rock on with your bad self!
Hiya lovely! Welcome to Zivity, and thanks for the friendship request. <3Sauda


text:
HTTP - HyperText Transfer Protocol
Short for HyperText Transfer Protocol, HTTP is the underlying protocol used by the World Wide Web. HTTP defines how messages are formatted and transmitted, and what actions Web servers and browsers should take in response to various commands. For example, when you enter a URL in your browser, this actually sends an HTTP command to the Web server directing it to fetch and transmit the requested Web page.
The other main standard that controls how the World Wide Web works is HTML, which covers how Web pages are formatted and displayed.
HTTP: A Stateless Protocol
HTTP is called a stateless protocol because each command is executed independently, without any knowledge of the commands that came before it. This is the main reason that it is difficult to implement Web sites that react intelligently to user input. This shortcoming of HTTP is being addressed in a number of new technologies, including ActiveX, Java, JavaScript and cookies.
HTTP Status Codes
Errors on the Internet can be quite frustrating — especially if you do not know the difference between a 404 error and a 502 error. These error messages, also called HTTP status codes are response codes given by Web servers and help identify the cause of the problem.
For example, "404 File Not Found" is a common HTTP status code. It means the Web server cannot find the file you requested. The file -- the webpage or other document you try to load in your Web browser -- has either been moved or deleted, or you entered the wrong URL or document name.
Knowing the meaning of the HTTP status code can help you figure out what went wrong. On a 404 error, for example, you could look at the URL to see if a word looks misspelled, then correct it and try it again. If that doesn't work backtrack by deleting information between each backslash, until you come to a page on that site that isn't a 404. From there you may be able to find the page you're looking for.
Learn more about the common HTTP status codes in this Webopedia Quick Reference article.
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A network is a group of two or more computer systems or devices, linked together to share resources, exchange files and electronic communications.... Read More »Computer Architecture Study Guide
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The trend for the past two years has been for shoppers to spend more online during the holiday season. How do you typically shop for holiday... Read More »


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Reflecting on Reflections - June 2014
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10 comments
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AES E-Library
Vibration Resonances of a Titanium Loudspeaker Diaphragm
A study of the vibration resonances of a common titanium diaphragm is presented. The diaphragm geometry description is followed by predictions of the natural frequencies and mode shapes using the finite element method. Estimates, using linear mode superposition, of the steady state velocity response that results from a harmonic coil force are then shown. Experimental verification of the transient and steady state vibration response, including operating deflection shapes, is accomplished with the use of a laser velocimeter. Discussion of the energy loss mechanisms is provided to assist understanding of the ringing associated with lightly damped vibration resonances.
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text:
32 Packages by tjmehta
- alchemy-rest-client AlchemyApi.js =============
- auto-debug Uses debug but automatically assumes file as log namespace. Optionally logs line numbers, function arguments, and even traces.
- bind-right Bind function arguments from the right
- blacklight Escape whitespace in strings
- callback-count Count your callbacks before continuing. A tiny control flow helper that supports dynamic counting.
- dat-middleware common request, response, body, query, and param validation, transformation, and flow control middleware
- dock-sync sync all docker images with docker registries (pull if out-of-date, push if newer)
- docker-frame create a docker stream frame (header and payload, encoded tty data)
- docker-stream-cleans... This module cleans the docker headers from the log stream from a container. I never found them very useful, so I wrote this to clean them up either in bulk, or in between a piping. It's not as simple as just removing the first 8 bytes on every message
- exists exists and allExist functions. plain and simple
- express-request Make a request to express from express without http
- fn-object map and filter for object's keys and values, and get a modified object
- function-proxy proxy functions to modify arguments or spying
- generator-rendr A code generator for airbnb rendr
- git-fb Git feature-branch workflow helper commands
- git-wip Git feature branch helpers for saving progress (stash) and resuming work (pop) for.
- hex64 Base64 encode and decode Hex strings for URLs (module and binary tool)
- hipcheck Active health checker for hipache proxy written in Node.js. Hipache health-checker will check the backends specified regularly and add/remove them from redis.
- keypather Get or set a object values from a keypath string. Supports bracket notation, dot notation, and functions
- listen-all Listen to all of an EventEmitter's events
- map-utils map util functions, map, utils, pick, pluck, set, exists
- middleware-flow Middleware control flow library: series, parallel, or, and
- middlewarize Use modules and classes and middleware (express and restify)
- mongooseware magical mongoose middleware for express
- mw-cls Advanced CLS (continuation local storage) middleware for express, restify, ...
- object-loops Functional methods like forEach, map, filter, and other ES5 Array methods for Objects in javascript
- redis-types Redis type classes: lists, hashes, sets, ...
- simple-api-client quickly create a simple and extendable api-client
- strim trim whitespace in streams
- substream-pump because primus substreams don't have pipes :(
- value-for-keypath DEPRECATED - USE KEYPATHER - http://npmjs.org/tjmehta/keypather
1 Package starred by tjmehta


text:
Dr. Dinesh Bahl, MD
- 11331 James Watt Dr Ste 400
El Paso, TX 79936
- 3 Locations
- (915) 592-3397
Dr. Dinesh Bahl graduated from the SUNY Downstate Medical Center College of Medicine in 2002. He works in El Paso, TX and 2 other locations and specializes in Ophthalmology. Dr. Bahl is affiliated with El Paso Specialty Hospital, Sierra Medical Center and Sierra Providence East Medical Center. He speaks English and Spanish.
Gender: Male
Languages Spoken: English, Spanish
Medical School: SUNY Downstate Medical Center College of Medicine; Graduated 2002
*This physician has multiple office locations. See Office Information for details.


text:
Star Wars Starfighter
Star Wars Starfighter Cheats & Codes
Check out our 1 cheat for Star Wars Starfighter. Or read the IGN Guide.
1 CheatsSubmit a Cheat.
Submitted by:IGN_Cheats
Cheat List
Enter the following cheats in the Options menu.
- Cheat Options: overseer
- Bonus Features: nohud
- Christmas Sequence: woz
- Director's Cut Mode: director
- Enemy Ship GallerY: ships
- Invincibility: minime
- James' Day of Work: james
- Jar-Jar Mode: jarjar
- Simon Pictures: simon
- Concept Art: planets
- Programmer Message: ltdjgd
- Amidala's Ship: bigone
- Bonus Mission Secret Ship: bluensf
- Cast Pictures: heroes
- Credits: credits
- See Program Team: lateam
- See More Program Team: slteam
You must be Logged in to submit a cheat.
Game Details
Published by: LucasArts
Developed by: LucasArts
Genre: Flight
Release Date:
United States: January 29, 2002
T for Teen : Violence
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text:
I-70 Blanchette Bridge Rehab Ahead of Schedule
MoDOT expects to open the westbound portion of the bridge by late summer.
Illinois Gov. Unveils $12 Billion Road Construction Plan
Click the link to see a list of projects planned for the Metro-East.
Loop Trolley Gets Green Light From University City
The University City Council approved the conditional use permit for the Loop Trolley Project, meaning construction can begin.
Extra Lane Closed on Blanchette Bridge Thursday
Motorists are advised to use Route 370 or Route 364 as alternate Missouri River crossings.
Mo. Senate Committee To Consider Eliminating 'Prevailing Wage'
The measure would eliminate the wage used by cities, counties and other government entities to pay for construction projects.
Contractor Mistake Forces Additional Work On Bridge Ramp
The ramp connects westbound Interstate 55-70 to the bridge but when it was was inspected, the cross slope was off.
Lawmakers to Take Up Illinois Construction Program
Illinois Jobs Now, the program that was enacted in 2009, runs out in the middle of next year.
I-64 Double Deck Closures Scheduled For This Weekend
All EB I-64 ramps between Jefferson and PSB will be shut down all weekend.
3 Years of Work Begins on St. Louis' Eads Bridge
St. Louis-area commuters who use the Eads Bridge may want to consider alternatives for the next three years.
More Bolt Problem on EB I-64 in St. Louis
Deja've. Again this week motorists are complaining of a bolt sticking up on eastbound 64.


text:
Winnipeg Free Press - ONLINE EDITION
Bombers defeat Ticats 32-25 for critical victory
On a night when some of their long-suffering faithful finally abandoned them, the Winnipeg Blue Bombers rewarded the true Blue believers with a gritty — and absolutely critical — win over the Hamilton Tiger-Cats at Canad Inns Stadium Thursday night.
With a franchise record streak of nine consecutive regular season sellouts snapped Thursday night by a crowd of 27,039 — 2,504 short of a full house — a chastened Bombers team finally found life — and an effective starting quarterback — in authoring a 32-25 come-from behind victory over the Ticats.
The win improved the Bombers record to 2-5 and, more importantly, puts them two points behind the 3-4 Ticats for the third and final playoff spot in the East Division.
But most importantly of all, a sparkling performance by starting QB Joey Elliott — making his third career CFL start and first since 2010 — gave the faithful reason to believe the best may be yet to come, which they vocalized with chants of 'Jo-ey, Jo-ey, Jo-ey' in the fourth quarter.
Elliott went 33-43 for 406 yards, 1 TD and 0 INT against the Ticats — far and away the single most effective performance by a Bombers quarterback this season.
"Personally, it's a great win," Elliott said after the game, "and for all the friends and family who have been backing me."
It was also, of course, a monumental victory for a Bombers team that had won just once in six games prior to last night and appeared to be in jeopardy of having the season slip away before Labour Day.
"The first thing is it allows us to keep pace with everyone else in the league," said head coach Paul LaPolice. "But more than anything, it was a lift for our guys."
In addition to Elliott, the Bombers did a lot of other things right Thursday night. While both the defence and special teams yielded costly big plays — a second quarter 72-yard punt return for a touchdown by Hamilton's Chris Williams was particularly egregious — both units also came up with big plays when they were needed most.
First and foremost, this one turned on the turnover battle. In a CFL season in which teams that have won the turnover battle have also won the game 89 per cent of the time, the Bombers forced six Hamilton turnovers — three on fumbles by Hamilton QB Henry Burris. Winnipeg gave up no turnovers of their own, although it bears mention that Hamilton defenders dropped three easy interceptions.
Winnipeg scored 17 points off the Hamilton turnovers, but perhaps just as importantly took a Hamilton touchdown off the board in the first quarter when it still looked like the Ticats might turn things into a rout. With the Ticats already leading 7-1 and running roughshod over the Bombers defence, Winnipeg defensive end Alex Hall stripped the ball from Burris just as he was about to fall over the Bombers goal line for what would have been Hamilton's second touchdown in just their second possession of the game.
"Anything I can do to help the team win, I'm for," said Hall. "But that was big-time."
Despite the overwhelming flow of play, Winnipeg trailed just 14-7 heading into the locker-room for halftime, thanks to a pair of first-half field goals by Bombers place-kicker Justin Palardy.
Elliott, who was 16-21 for 178 yards in the first half, caught fire in the second half, leading Winnipeg on touchdown drives of 78-yards late in the third quarter to tie the game and then following up with a 50-yard touchdown drive three minutes into the fourth quarter that gave Winnipeg their first lead at 24-17.
But just when it seemed this one was over for good, Burris authored a three-play 107-yard touchdown drive with under five minutes to play — capped by a two-point convert — to tie the game 25-25.
Elliott simply would not be denied on this night, however, as the Bombers QB led the offence on an eight-play, 92-yard touchdown drive on the ensuing possession, capped by a four-yard touchdown run by backup tailback Will Ford with 1:25 to play.
Ford was inserted late in the game after starting Bombers tailback Chad Simpson — who rushed for 86 yards on 18 carries and scored a touchdown — left the game after he yet again hurt his leg. The nagging injury was not considered serious.
Updated on Thursday, August 16, 2012 at 8:27 PM CDT: Adds halftime score
8:49 PM: Adds photo
9:13 PM: As result after three quarters
10:07 PM: Adds final result
10:19 PM: Adds detail
11:17 PM: Updates
11:42 PM: Adds quotes, colour
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text:
When you are doing a girl from behind, you simultaneously pull her hair and stick your dick in her ass, producing a comination of sounds akin to a donkey.
Hair: Hee
Ass: Haw
Hair: Hee
Ass: Haw
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A: whe i donkeyd my girl last night she slapped me!!!
B: why
A: she didnt like having a pin in her ass
B: why
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"haha that shiit is so donkeyed out, the apple looks like oprahs saggy ass AND its blue"
od uživatele michael oslon 27. Únor 2007


text:
Tufts CSDD Outlook
Tufts CSDD's Outlook, published each January, highlights near-term pharmaceutical and biopharmaceutical development trends. Data and analyses contained in Tufts CSDD's Outlook are based on proprietary research conducted by the Tufts CSDD staff, and include insights into current industry, regulatory, and policy trends. Tufts CSDD's Outlook is complimentary to Tufts CSDD Impact Report subscribers.
Here are the highlights of Tufts CSDD's Outlook 2015…
R&D Trends: Oncology development activity will expand, driven by advances in science, medical need, and regulatory and market incentives. Across all therapeutic areas, developers will increasingly rely on risk-sharing and collaborative relationships, from discovery through development, to spur innovation and reduce costs.
Regulatory Environment: Public demand for new and innovative medicines to treat a wide range of diseases, for broad as well as narrow populations, will spur regulatory authorities to increase engagement with stakeholders and encourage sponsors to explore novel development pathways.
Biotechnology Sector Trends: The pace of biotech development and product approvals will build on recent activity—25 biological approvals in the U.S. in the first 10 months of 2014—as the sector gains a growing share of total pharmaceutical sales.
Prescription Drug Policy: The continued rise in prices charged for specialty pharmaceuticals will be tempered by competition in several key therapeutic classes, as well as the introduction of biosimilars.
R&D Management and Operations: Drug sponsors will implement new strategies to improve clinical study design feasibility, data transparency and disclosure, and collaborative effectiveness with CROs and investigative sites to achieve higher levels of study volunteer engagement and satisfaction.
Press Releases
- Outlook 2015 Press Release
- Outlook 2014 Press Release
- Outlook 2013 Press Release
- Outlook 2012 Press Release
- Outlook 2011 Press Release
- Outlook 2010 Press Release
- Outlook 2009 Press Release
- Outlook 2008 Press Release
PLEASE NOTE: Orders are processed manually within 24 hours of receipt, during the regular business hours of Monday-Friday, 9AM – 5PM (excluding university holidays). Orders placed outside of business hours will be processed on the following business day.


text:
1969 Mercury Cougar XR-7 Convertible. 69 Can Am champ prize car, nut and bolt restoration by Cougar specialist , 428 CJ Ram Air.... More
1969 Mercury Cougar XR7 Convertible / Original 351ci engine & Factory AC The Cougar XR7 was the luxury version of the Ford Mustang. Most of... More
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Just in! Call or visit our website for more information.... More
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1959 Mercury Montclair ``Cruiser`` 2 Dr. Hardtop Coupe... A ``rare`` find,* only 7,375 built in ``59``, and not seen very often. This Beautiful Merc... More
For sale in our Fort Lauderdale showroom is a frame off restored 1954 Mercury Monterey. This beautiful nut and bolt built Merc is powered... More
factory Frigiking air 110 MPH speedometer 3-speed Merc-O-Matic transmission Power steering and brakes Second year for the Monterey station wagon Ford created its Mercury line-up in 1939 to fill... More
1974 Mercury Honoring David Pearson in the classic 1976 Richard Petty/ David Pearson Dual at Daytona. More information and pictures coming soon!! ... More
Just arrived, a beautiful example of the rare Mercury Cyclone GT. This well restored car was sold new by Tasca Ford in Massachusetts Restored in 2013,... More


text:
Why should soccer moms have all the cup holders?
"When my wife's rear bike fender suffered "plastic fatigue," she put it back together with a hair clip! Gotta admire the can-do spirit."
Here we see a nice little floor lamp made from old bicycle parts. Be sure to lock it up or someone might steal it!
Check out more theft-worthy WINs here!
Brilliant! It's a like a bike that's also a treadmill! Genius! ... Wait, they already invented those? They're called stationary bikes? %@*$@#(@!$!!!!!


text:
The pressure
to deliver solutions in support of initiatives such as mobility and
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Research VP, Gartner Inc.
Ray Wang
Principal Analyst, Founder, Chairman Constellation Research
Tom Quinn
CIO, News Corp.


text:
Sep 08, 2011 at 04:41PM EDT
The pen is mightier than the sword…if it is sharpened to a point, dipped in a deadly poison and thrown from a great distance. But really, you're better off with a sword.
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text:
New to Typophile? Accounts are free, and easy to set up.
I would greatly appreciate some help, been looking for this font and just cannot find it. Maybe some awesome perosn on here has any ideas of what it may be. I am specifically concerned about the Q, that is the letter for that is the most unique and not identifiable.
This Q is a signature of Univers, and Univers Ultra Condensed is most like this. It looks like perhaps they tweaked the R to remove the small curve at the end of the leg, which I see in the font.
- Mike Yanega


text:
Bill that could threaten gardeners
Home gardeners should take an interest in this.
I'm not saying to vote for or against, just that we should all be aware.
It's H.R. 857. It's a bill that is said to be linked to Monsanto (large agriculture company) that could outlaw home gardens (posing as a food safety bill). Here are two links:
From the 7th generation link it says that Michael Taylor former vp of public policy at Monsanto is now the new senior adviser of the FDA.
Other interesting links
Found some more info. Scroll down. This is spring 2010.
I normally don't pay attention to stuff like this, but I don't want to be told what I can and what I cannot do on my land.
As I said on the other forum: bovine excrement.
The bill number you mention has nothing to do with gardening. Perhaps you are agitating against HR 875 ...
You may not want to be told what to do and not do on YOUR land ... how do you feel about me setting up a huge hog farm with manure ponds right next door? Or a copper smelter? You want to tell me I can't do that?
As soon as you start selling produce to others, how you grow your produce becomes a public health issue, and that's regulatable.
ohh yet another frothing at the mouth post on a bill that is still languishing in committee (since Feb 2009)
As Lazy puts it well, Bovine excrement indeed
Always check the the Gov't Track Site before forwarding such things as most of these types of emails are about things in congress that simply are not happening.
Here is a link that might be useful: Gov't Track


text:
Sponsored Content: Allied World
Know Who is Handling Your Claim
Click on the below video to hear Allied World's senior leadership and clients discuss what makes for a great claims team:
Partnership and Service
Here at Allied World, our customers are true partners. We help our clients grow, adapting to new risks, and expanding into new markets and territories globally. We help our clients find solutions to their newest business challenges and help propel them toward the next phase of growth. We are there for our clients during trying times and if needed, help them get back on their feet following a crisis. We get to know our insureds and treat every claim with an individual focus. Our clients are not just numbers to us.
As a (re)insurance company, our claims team has to be top-notch. Risk managers rely on us for advice and counsel, not only when a problem occurs but as our partnership commences. With robust, in-house risk management and claims teams, we are with our clients every step of the way. The claims culture at Allied World really starts with the claims slogan: "Claims cannot be predicted, great service can be." We're a service organization, and we make sure we're staffing our teams with claims experts that know the product line and oftentimes there are industry experts that can assist our clients in a way most other companies can't.
"Claims cannot be predicted; Great service can be."
Using this tagline to guide our team we:
- Take a thoughtful and deliberate approach to handling claims.
- Have an open dialogue and partnership with our insureds during the entire claims handling process.
- Are insightful and proactive when dealing with a claim.
- Work hard to provide the best customer service to our clients.
We are a company of specialists. Unlike many of our competitors, our claims teams are meeting with clients, up-front and getting to know our clients before there is an issue. This is one thing that we think differentiates us from our competitors.
When hiring a new carrier, clients should ask themselves:
Who is handling my claim? Do I know them personally? Are they responsive when I need them?
Are the members of my claims team specialists? Do they understand the unique challenges that I may face? Can they help me minimize my exposures and are they willing to work with me to better understand the ever evolving regulatory environment?
You are buying claims services, handling, reputation and partnership. Allied World is here to exceed your expectations on all aspects of the claims process.
Our dedicated, in-house claims teams handle both primary and excess claims for property, casualty, professional liability, management liability and healthcare liability products globally.
Our Clients
We take pride in our service. Listen to what our clients have to say about Allied World:
"Allied World has been a strong partner of Verizon's for a number of years, on both standard property policies as well as difficult to write coverage. The Sandy claim has again proven to be a testament to Allied World's claims services. We received loss recoveries on multiple Allied World policies within two weeks of signing proofs of loss."
- David Camaratta, Verizon
"Allied World's claims handling of matters reported under our group insurance agents' E&O policy has been outstanding—responsive, professional, skillful, and reasonable."
- Alan Jones, Leavitt Group
We VALUE our customers and the relationship we develop with each and every one.
We pride ourselves on understanding your needs and your business long before you have a claim.
To learn more about Allied World's claims handling capabilities, please click on the link below.
This article was produced by Allied World and not the Risk & Insurance® editorial team.
Workers' Comp
Making the Grade
Taking the time to match a tough job with a worker who can actually do it reduces the potential for costly workplace injuries, employers are now finding.
That concept is leading more employers to study their essential job functions and test the ability of job candidates, particularly when a job requires a new hire to perform functions known to cause injuries.
Increased nationwide hiring, the rising cost of treating workplace injuries and a less physically fit job applicant pool are driving more employers to employ the practice known as post-offer employment testing.
Post-offer employment testing, or POET, involves simulating the lifting, pushing, pulling and other physical activities that make up a job's essential functions. Employers are increasingly making employment offers conditional upon a job applicant's physical ability to perform those activities.
And in another recent trend, employers are expanding the strategy to help determine when to return an established employee to their duties following a workplace injury or a non-occupational disability leave.
"Pre-work screens are not a good strategy if your injuries are coming three years into employment."
–Drew Bossen, founder, Atlas Ergonomics
At Cooper Standard, the Novi, Mich.-based automobile parts manufacturer, for example, workers desiring a strenuous job first participate in "simulated work." That helps determine whether they are physically capable of performing the real job, said Patricia Hostine, the company's global manager of workers' compensation.
A job requiring continual force to press rubber hose into a mold that forms radiator hoses is desirable because it is one of the better paying tasks the auto parts manufacturer offers, Hostine added.
But it's also one of the company's most physically demanding roles.
"It's very hard work," Hostine said. "That is where a lot of our injuries are found."
After performing the simulated work, more applicants decide against taking the job than the company disqualifies. That's because the testing showed them they couldn't do the job anyway.
Cooper Standard also requires a functional evaluation, conducted by physical therapists, for any worker who has been away from work either because of a workplace injury or a non-occupational disability.
That requires employees who normally form radiator hoses to show that they are once again physically capable of performing the work after returning from an absence.
Employers that have benefited from conducting POET evaluations for newly hired employees are increasingly adopting a similar worker evaluation as part of their return-to-work programs, several experts said.
"Historically, these [physical evaluations] have been used at the point of offer, at the point of employment," said Drew Bossen, a physical therapist and founder of Atlas Ergonomics. "But in the last 12 months, we have clients formulating methodologies to use them for return to work as well."
Data from an initial POET exam can also provide a measured baseline of an employee's abilities that can be reviewed post injury to help determine when the worker has regained their ability to return to their original job, or whether they should take up other duties.
Using data that way can reduce return-to-work durations by providing support for a doctor's determination to release their patient.
Most employers using a POET system, however, still use it only to test newly hired workers.
Evaluating whether potential new hires have the physical ability to perform certain tasks can substantially reduce a company's injury rate because newer workers typically account for a greater number of injuries than their more-experienced counterparts, POET advocates said.
Data compiled by the National Council on Compensation Insurance Inc. showed that workers on the job less than a year in 2007 accounted for nearly 34 percent of injuries although they made up only 23 percent of the labor force.
"Pre-work screens are not a good strategy if your injuries are coming three years into employment," Bossen said.
Now, as the U.S. Labor Department reports increased hiring across the country, vendors that provide physical ability testing programs said they are seeing increased demand, which had dropped off during the recession.
"We have seen a big uptick in companies interested in doing this across all industries," including transportation, mining and health care, said Connie Vaughn-Miller, vice president of business development for BTE Technologies.
The testing may be more beneficial for the most strenuous types of work.
Hostine at Cooper Standard said, for example, that she does not see a cost/benefit advantage for testing workers engaged in light production jobs.
Most employers adopting a POET strategy do so for certain positions and many start with a pilot program, experts said. It's best to decide which job categories to include in a pilot program by reviewing the company's claims history to pinpoint where injury frequency and severity are problems. Or, they recommend starting with the company's most physically demanding jobs, then add others if the pilot results warrant doing so.
"We can't be a better place to work if we're hiring people that are not able to perform the job. That's bad for the company and the associate."
–Libby Christman, vice president of risk management, Ahold USA.
Making Work Safer
"One of our company promises is to be a better place to work," said Libby Christman, vice president of risk management at Ahold USA.
"We can't be a better place to work if we're hiring people that are not able to perform the job. That's bad for the company and the associate."
Ahold is a retailer with about 120,000 employees operating stores under the names of Stop & Shop, Giant Food Stores, Martin's Food Markets, and Peapod, an online grocery ordering unit.
Late last year, Ahold launched a pilot program for Peapod delivery drivers and for certain strenuous jobs in two warehouses, Christman said. The warehouse jobs require pushing, pulling, bending and lifting.
Since September, Christman has found that about 25 percent of job applicants could not pass its physical demands test. Screening for an employee capable of doing the job, though, not only reduces injuries, but improves productivity.
"We know that obtaining an accurate assessment of an applicant's physical abilities can help us place him or her in a suitable job, potentially eliminate injuries and ensure efficiency and performance on the job," Christman said.
Stepped-up hiring is not the only factor driving employer demand for POET services, observers said.
Employers — continually pushing for more sophisticated safety measures in the face of an aging, more obese, and less physically fit U.S. workforce — are also driving the demand, BTE Technologies' Vaughn-Miller said.
The Discrimination Question
Employers cannot discriminate when hiring, but they can legally ask a worker to demonstrate that they can meet the physical demands of a job's essential functions, experts said.
That requires careful analysis, however, to clearly understand a job's essential functions, so the designed test measures just those functions and does not go beyond evaluating a worker's ability to perform those specific tasks.
Employers have run afoul of the Equal Employment Opportunity Commission when implementing POET programs that evaluated for abilities beyond those required by the job.
If employees must lift 75 pounds only once a year, and can use a mechanical lift assist to help them when they do so, then testing to see whether a worker can lift 75 pounds is not a fair test, advised Colleen M. Britz, managing director and ergonomics practice leader for Marsh Risk Consulting.
Employers may also face discrimination complaints if they do not require a POET evaluation of everyone seeking a specific job, experts warned.
The tests themselves, however, vary substantially, depending on the vendor or employer providing them.
Some resemble gym equipment with electronic systems for measuring a worker's strength and agility. Those results can then be compared to computerized measurements of a task. Other tests may be as simple as requiring a worker to lift bags of sand.
"I do consider it a best practice to have a well-designed post-offer employment test that truly is measuring an employee's capacity to meet physical demands," Britz said. "It's a matter, from my perspective, of whether some of the methodologies are truly testing that."
The wide variation in testing methodology has hampered the collection of data on POET's impact on overall employee injury rates across industries or multiple employers, experts said.
But individual employers have experienced success, Britz said.
"I don't know of any company that has stopped doing POET after starting — because they are seeing a positive return on investment," she added.
A physical abilities test helped Prince William County in Virginia mitigate a double loss driven by candidates seeking to become firefighters.
The county was losing tens of thousands of dollars on hiring and training costs each time a job candidate washed out of a 26-week training course simply because they could not perform the physical challenges firefighters face in the line of duty, said Tim Keen, assistant chief for the county's Department of Fire and Rescue.
Because firefighting is a tough job, a lack of physical capability also contributed to recruit training injuries.
"Not only is it a hard job, but when you add all the gear they wear, their air packs, as well as the functional movements that it takes to accomplish certain tasks, it puts strains on the body," Keen said.
Those strains became costly workers' compensation claims when recruits could not return to an existing job as would occur after an established firefighter suffered an injury, added Lori Gray, the county's risk management division chief. That forced the county to continue paying workers' compensation benefits to recruits who did not have a job to return to.
So in 2003, the risk management and fire department helped the county establish its own facility where applicants wanting to become firefighters must first participate in a standardized Candidate Physical Ability Test.
The International Association of Fire Fighters and the International Association of Fire Chiefs developed the CPAT test the county licenses.
The test used by fire departments across the country requires candidates to climb stairs while wearing weight vests, drag hoses and simulated bodies, simulate forcing their way into a building, and conduct other physical feats within a certain time period.
"There are a variety of firefighting tasks they must go through in this course," Keen said. The course tests their aerobic capabilities, their flexibility, core strength, and upper and lower body fitness.
The test's standardization ensures it is true to the firefighter's actual work role and that is legal and fair to all candidates, he added.
"Regardless of age or gender the course is the same for everybody," he said.
"The test is appropriate so you are not losing people due to injuries, especially early in their careers, Keen said. "It's the right thing to do, making sure they are physically capable of doing the job."
The screenings have resulted in fewer recruits lost due to a lack of physical ability.
"We have also seen a huge reduction in the number of injuries that were occurring because recruits are coming in more physically fit to do the job," Keen said.
POET advocates said the screening results have other applications as well.
In some cases, post-offer physical test results provide employers with a defense in permanent disability cases, Britz said.
In states allowing employers to apportion responsibility for permanent disability claims, for example, the baseline results from the initial post-offer exam can limit an employer's liability by showing that a worker lost only a certain portion of their functional ability during their employment tenure.
Britz added that she expects to see more large, sophisticated employers counter rising claims severity driven by factors such as aging and obesity by integrating their ergonomics, wellness intervention and physical ability testing programs.
For example, an employee returning from a leave might undergo a fitness for duty exam to evaluate their ability to perform the job without injuring themselves.
Simultaneously, the employee could be referred to the employer's wellness program to address health-related issues such as high body mass index or to learn exercises that would strengthen certain body parts, such as their shoulders, if frequently used in their daily work routines.
"That is the evolution of post-offer employment testing into fitness-for-duty programs," she said.
"Not so they lose the job, but to recognize that this person needs to work on shoulder strength. So we create an opportunity to increase shoulder strength. I think that is going to be the wave of the future."
Sponsored: Liberty Mutual Insurance
2015 General Liability Renewal Outlook
There was a time, not too long ago, when prices for general liability (GL) insurance would fluctuate significantly.
Prices would decrease as new markets offered additional capacity and wanted to gain a foothold by winning business with attractive rates. Conversely, prices could be driven higher by decreases in capacity — caused by either significant losses or departing markets.
This "insurance cycle" was driven mostly by market forces of supply and demand instead of the underlying cost of the risk. The result was unstable markets — challenging buyers, brokers and carriers.
However, as risk managers and their brokers work on 2015 renewals, they'll undoubtedly recognize that prices are relatively stable. In fact, prices have been stable for the last several years in spite of many events and developments that might have caused fluctuations in the past.
Mark Moitoso discusses general liability pricing and the flattening of the insurance cycle.
Flattening the GL insurance cycle
Any discussion of today's stable GL market has to start with data and analytics.
These powerful new capabilities offer deeper insight into trends and uncover new information about risks. As a result, buyers, brokers and insurers are increasingly mining data, monitoring trends and building in-house analytical staff.
"The increased focus on analytics is what's kept pricing fairly stable in the casualty world," said Mark Moitoso, executive vice president and general manager, National Accounts Casualty at Liberty Mutual Insurance.
With the increased use of analytics, all parties have a better understanding of trends and cost drivers. It's made buyers, brokers and carriers much more sophisticated and helped pricing reflect actual risk and costs, rather than market cycle.
The stability of the GL market also reflects many new sources of capital that have entered the market over the past few years. In fact, today, there are roughly three times as many insurers competing for a GL risk than three years ago.
Unlike past fluctuations in capacity, this appears to be a fundamental shift in the competitive landscape.
"The current risk environment underscores the value of the insurer, broker and buyer getting together to figure out the exposures they have, and the best ways to manage them, through risk control, claims management and a strategic risk management program."
— David Perez, executive vice president and general manager, Commercial Insurance Specialty, Liberty Mutual
Dynamic risks lurking
The proliferation of new insurance companies has not been matched by an influx of new underwriting talent.
The result is the potential dilution of existing talent, creating an opportunity for insurers and brokers with talent and expertise to add even greater value to buyers by helping them understand the new and continuing risks impacting GL.
And today's business environment presents many of these risks:
- Mass torts and class-action lawsuits: Understanding complex cases, exhausting subrogation opportunities, and wrangling with multiple plaintiffs to settle a case requires significant expertise and skill.
- Medical cost inflation: A 2014 PricewaterhouseCoopers report predicts a medical cost inflation rate of 6.8 percent. That's had an immediate impact in increasing loss costs per commercial auto claim and it will eventually extend to longer-tail casualty businesses like GL.
- Legal costs: Hourly rates as well as award and settlement costs are all increasing.
- Industry and geographic factors: A few examples include the energy sector struggling with growing auto losses and construction companies working in New York state contending with the antiquated New York Labor Law
David Perez outlines the risks general liability buyers and brokers currently face.
Managing GL costs in a flat market
While the flattening of the GL insurance cycle removes a key source of expense volatility for risk managers, emerging risks present many challenges.
With the stable market creating general price parity among insurers, it's more important than ever to select underwriting partners based on their expertise, experience and claims handling record – in short, their ability to help better manage the total cost of GL.
And the key word is indeed "partners."
"The current risk environment underscores the value of the insurer, broker and buyer getting together to figure out the exposures they have, and the best ways to manage them — through risk control, claims management and a strategic risk management program," said David Perez, executive vice president and general manager, Commercial Insurance Specialty at Liberty Mutual.
While analytics and data are key drivers to the underwriting process, the complete picture of a company's risk profile is never fully painted by numbers alone. This perspective is not universally understood and is a key differentiator between an experienced underwriter and a simple analyst.
"We have the ability to influence underwriting decisions based on experience with the customer, knowledge of that customer, and knowledge of how they handle their own risks — things that aren't necessarily captured in the analytical environment," said Moitoso.
Mark Moitoso suggests looking at GL spend like one would look at total cost of risk.
Several other factors are critical in choosing an insurance partner that can help manage the total cost of your GL program:
Clear, concise contracts: The policy contract language often determines the outcome of a GL case. Investing time up-front to strategically address risk transfer through contractual language can control GL claim costs.
"A lot of the efficacy we find in claims is driven by the clear intent that's delivered by the policy," said Perez.
Legal cost management: Two other key drivers of GL claim outcomes are settlement and trial. The best GL programs include sophisticated legal management approaches that aggressively contain legal costs while also maximizing success factors.
"Buyers and brokers must understand the value an insurer can provide in managing legal outcomes and spending," noted Perez. "Explore if and how the insurer evaluates potential providers in light of the specific jurisdiction and injury; reviews legal bills; and offers data-driven tools that help negotiations by tracking the range of settlements for similar cases."
David Perez on managing legal costs.
Specialized claims approach: Resolving claims quickly and fairly is best accomplished by knowledgeable professionals. Working with an insurer whose claims organization is comprised of professionals with deep expertise in specific industries or risk categories is vital.
"We have the ability to influence underwriting decisions based on experience with the customer, knowledge of that customer, and knowledge of how they handle their own risks, things that aren't necessarily captured in the analytical environment."
— Mark Moitoso, executive vice president and general manager, National Accounts Casualty, Liberty Mutual
"When a claim comes in the door, we assess the situation and determine whether it can be handled as a general claim, or whether it's a complex case," said Moitoso. "If it's a complex case, we make sure it goes to the right professional who understands the industry segment and territory. Having that depth and ability to access so many points of expertise and institutional knowledge is a big differentiator for us."
While the GL insurance market cycle appears to be flattening, basic risk management continues to be essential in managing total GL costs. Close partnership between buyer, broker and insurer is critical to identifying all the GL risks faced by a company and developing a strategic risk management program to effectively mitigate and manage them.
Additional insights
For more information about how Liberty Mutual can help you manage the total cost of your GL program, visit their website or contact your broker.
This article was produced by the R&I Brand Studio, a unit of the advertising department of Risk & Insurance, in collaboration with Liberty Mutual Insurance. The editorial staff of Risk & Insurance had no role in its preparation.


text:
|October 27, 1958
|Regina, SK, Canada
|VAN / 1978 NHL Amateur Draft
|6th (90th overall)
It was a big dream. [Messi] is probably the best athlete out there, so it's a big honor, for [Kuznetzov] as well. It's maybe a once in a lifetime opportunity to meet the best player in soccer right now. I'm a big Barcelona fan and Messi fan, so it's huge. You can take [Michael] Jordan, [Mark] Messier, [Wayne] Gretzky, those kinds of [people]. It's an honor to meet. It's nice to be in that position.


text:
New to Typophile? Accounts are free, and easy to set up.
New typeface we are working on based on classic ribbon type collection by Karl Klimsch..
We have more typographic work online, and will be posting some of the new typefaces in our online store
over the next few weeks.


text:
View Image
Now This Is A Predicament
A sign about Jesus in front of a church
A sign about Jesus in front of a church
my parents
Pastor Dick Keep
The best way to make your vows is with a dash of terror.
weird pervy church statue
Average household income in this county is $35,000, so it would take us 2.5...
Had to take a pic of this in Lexington KY.
puede ser visto por todas las personas que lo desean
He looks like hes pretty proud of this predicament.
Break Picture Gallery: Bound Edition! Charlie Sheen's newest guide to livin...
Left or right?
Does that "L" stand for loser? Or for winner? Well, it can't stand for winn...
pastor ownes town
photo by Jose Luis


text:
Payday lender Wonga to close Dublin office
- Financial Services
- February 24, 2015, 12:15
Britain's biggest payday lender Wonga Group said on Tuesday it would close its Dublin office as the company announces plans to shed a third of its wo(...)
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- Business
- January 19, 2014, 19:14
Irish software business Globoforce looks set to list its shares on Nasdaq within a week, according to the Sunday Independent. The software company spe(...)
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The Government has invited businessman Denis O'Brien to the next economic summit for the Irish diaspora in the autumn. The telecoms billionaire is one(...)


text:
GLOBALFOUNDRIES To Highlight 32nm/28nm Technology Leadership at GSA Expo
GLOBALFOUNDRIES To Highlight 32nm/28nm Technology Leadership at GSA Expo
New foundry poised to take leadership position in ramping advanced technologies at high volumes with mature yields
SUNNYVALE, CA - September 30, 2009 - As the semiconductor industry begins its transition to the next technology node, GLOBALFOUNDRIES is on track to take its position as the foundry technology leader. On October 1 at the Global Semiconductor Alliance Emerging Opportunities Expo & Conference in Santa Clara, Calif., GLOBALFOUNDRIES (Booth 321) will provide the latest details on its technology roadmap for the 32nm/28nm generations and its innovative "Gate First" approach to building transistors based on High-K Metal Gate (HKMG) technology.
"With each new technology generation, semiconductor foundries are increasingly challenged with the economics to sustain R&D and the know-how to bring these technologies to market in high-volume," said Len Jelinek, director and chief analyst, iSuppli. "With a heritage of rapidly ramping leading-edge technologies to high volumes at mature yields, combined with aggressive investments in capacity and technology, GLOBALFOUNDRIES is uniquely-positioned to challenge for next-generation foundry leadership."
GLOBALFOUNDRIES expects to start volume production of 32nm-SHP (Super High Performance) technology at Fab 1 in the second half of 2010. This technology will employ silicon-on-insulator (SOI) substrates and utilize GLOBALFOUNDRIES' innovative "Gate First" approach to HKMG, which maximizes power efficiency and transistor scaling while minimizing die size and design complexity when compared to the alternative "Gate Last" approach. Yield progress continues with 24Mb SRAMs in double-digit natural yields on path to 50 per cent natural yields by year-end.
"When compared against the 45nm-SHP technology we're currently running in Fab 1, we're seeing performance improvements of up to 50 percent in the 32nm generation at the same leakage levels of the 45nm generation," said Jim Doran, senior vice president and general manager of Fab 1 at GLOBALFOUNDRIES. "When you combine this with our patented Automated Precision Manufacturing (APM) technology and exceptionally low defect densities, we believe we'll be in the leading position among foundries to bring this technology to market in volume for our customers."
As a new entrant to the foundry landscape, GLOBALFOUNDRIES brings a heritage of leading-edge production for high-performance processors. During the transition to the 45nm technology generation, GLOBALFOUNDRIES reached volume production at mature yield 2-3 quarters ahead of the rest of the foundry industry, while simultaneously implementing a complex new form of lithography-immersion lithography-ahead of all other semiconductor manufacturers.
For the 28nm generation, which will be offered on bulk silicon substrates, the company will be accepting customer and third party IP designs in Q1 2010 on its shuttle service for low cost prototyping, with production planned in the second half of 2010. The 28nm technology offers the smallest SRAM cell size (0.120 µm2) currently reported in the foundry industry, and an advantage in die size relative to 28nm "Gate Last" approaches. In addition, the GLOBALFOUNDRIES' "Gate First" approach to HKMG simplifies 28nm design implementation and IP re-use for customers using conventional poly/SiON-based technology at the 45/40nm and 32nm nodes due to similar process flows and design rules.
Customers at the 28nm node will benefit from a high-volume ramp of leading-edge technology at the 32nm node, which will put GLOBALFOUNDRIES well into its second generation of HKMG implementation when 28nm production begins. The 28nm node will be available in two variants: The 28nm-HP (High Performance) variant will be optimized for leading-edge applications in such areas as graphics, game consoles, storage, networking and media encoding. The 28nm-SLP (Super Low Power) variant is optimized for wireless mobile applications such as baseband, application processors, and other handheld functions that require long battery lifetime.
GLOBALFOUNDRIES' 32nm and 28nm technologies with the "Gate First" approach to HKMG were originally developed in partnership with IBM through the company's participation in the IBM Technology Alliance. IBM and its research partners first introduced the "Gate First" HKMG innovation in 2007 as the basis for a long-sought improvement to the transistor to deal with power leakage that emerged at the 45nm node.
GLOBALFOUNDRIES is the world's first truly global leading-edge semiconductor manufacturing company. Launched in March 2009 through a partnership between AMD [NYSE: AMD] and the Advanced Technology Investment Company (ATIC), GLOBALFOUNDRIES provides a unique combination of leading-edge technology, manufacturing excellence and global operations. GLOBALFOUNDRIES is headquartered in Silicon Valley with facilities in Austin, Dresden and New York.
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