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Genre/Form: | Fiction Fantastic fiction |
Additional Physical Format: | Online version: Tolkien, J.R.R. (John Ronald Reuel), 1892-1973. Lord of the rings. London, Allen & Unwin, 1966 (OCoLC)580637436 |
Material Type: | Fiction |
Document Type: | Book |
All Authors / Contributors: |
J R R Tolkien |
OCLC Number: | 1802263 |
Description: | 3 volumes color map, color plate, facsimiles, table, diagrams 23 cm |
Contents: | pt. 1. The fellowship of the ring.--Pt. 2. The two towers.--Pt. 3. The return of the king. |
Other Titles: | Fellowship of the ring. Two towers. Return of the king. |
Responsibility: | by J.R.R. Tolkien. |
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Topic Last Modified: 2015-03-09
Verifies that replication is working between a Registrar pool and its assigned backup pool. This cmdlet was introduced in Lync Server 2013.
Debug-CsInterPoolReplication -PoolFqdn <Fqdn> [-BackupModule <All | CentralMgmt | PresenceFocus | DataConf>] [-Confirm [<SwitchParameter>]] [-DatabaseCommandTimeoutInSeconds <Int32>] [-Force <SwitchParameter>] [-ResyncSignatureMismatchItems <SwitchParameter>] [-SuppressMultiMasterDetection <SwitchParameter>] [-WhatIf [<SwitchParameter>]]
The command shown in Example 1 verifies the full replication status between the pool atl-cs-001.litwareinc.com and its previously-assigned backup pool.
Debug-CsInterPoolReplication -PoolFqdn "atl-cs-001.litwareinc.com"
In Example 2, only the replication of data conferencing data is verified between the pool atl-cs-001.litwareinc.com and its previously-assigned backup pool.
Debug-CsInterPoolReplication -PoolFqdn "atl-cs-001.litwareinc.com" -BackupModule DataConf
In Skype for Business Server 2015 each Registrar pool can be associated with a backup pool. The backup pool maintains a copy of all the data stored on the primary pool. Should the primary pool become unavailable then users of that pool can automatically be "failed over" to the backup pool. This enables those users to continue to use Skype for Business Server 2015 even though their home pool is not available. The Debug-CsInterPoolReplication cmdlet is used to compare the data stores on a primary pool and its backup pool, and thus verify that replication between the two pools is working as expected.
Note that this command will fail if the pool being tested has not been assigned a backup pool.
Skype for Business Server Control Panel: The functions carried out by the Debug-CsInterPoolReplication cmdlet are not available in the Skype for Business Server Control Panel.
Parameter | Required | Type | Description |
PoolFqdn | Required | Microsoft.Rtc.Management.Deploy.Fqdn | Fully qualified domain name of the primary pool being tested. For example: |
BackupModule | Optional | Microsoft.Rtc.Management.Hadr.InterPoolReplication.BackupModules | Enables administrators to specify the data store to be verified. Allowed values are: All CentralMgmt PresenceFocus DataConf The default value is All. |
Confirm | Optional | System.Management.Automation.SwitchParameter | Prompts you for confirmation before executing the command. |
DatabaseCommandTimeoutInSeconds | Optional | System.Int32 | PARAMVALUE: Int32 |
Force | Optional | System.Management.Automation.SwitchParameter | Suppresses the display of any non-fatal error message that might occur when running the command. |
ResyncSignatureMismatchItems | Optional | System.Management.Automation.SwitchParameter | PARAMVALUE: SwitchParameter |
SuppressMultiMasterDetection | Optional | System.Management.Automation.SwitchParameter | When included in the command, Debug-CsInterPoolReplication will not verify whether or not the pool is part of a multi-master replication configuration before beginning its verification checks. |
WhatIf | Optional | System.Management.Automation.SwitchParameter | Describes what would happen if you executed the command without actually executing the command. |
None. Debug-CsInterPoolReplication does not accept pipelined data.
String value.


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Opposition mounts to stop IDA tax
- James Fink
Economic development, political and business leaders are rallying behind an effort to rescind a soon-to-be imposed tax on New York's industrial development agencies.
Officials from those sectors universally agree the tax will harm efforts to land new businesses or private-sector investment in the state.
At issue is a little-known, new tax state lawmakers approved at the eleventh hour two years ago that would tax all industrial development agencies on their gross annual revenues. The tax is expected to generate at least $5 million annually for cash-starved New York state, which is looking at a projected $9 billion state deficit.
The many critics of the legislation say it will only increase the cost of doing business in New York, which already has a reputation for being one of the most over-taxed and unfriendly business states in the country. At the minimum, it could cost a company anywhere from $10,000 to $12,000 in extra costs if they opt for an industrial development agency incentive package and wipe out significant benefits derived from the abatements.
"It will put us further behind all the other states," warned Carl Montante Jr., vice president, Uniland Development Co. "The only thing it will succeed in doing is making New York that much less competitive. At this rate, we won't even make the long list, let alone the short list, for potential development sites among the national site selectors."
Assemblyman Robin Schimminger, D-Kenmore, said he is introducing legislation in Albany that would rescind the IDA tax. A companion bill is also in the New York Senate, with one of the sponsors, State Sen. Antoine Thompson, D-Buffalo.
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This white paper discusses a revolutionary approach to identity and access management, available through Quest One Identity Solutions, that actually reduces complexity, accelerates time-to-value, and enables the business to drive IAM.
File Type: .pdf
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Although many organizations are in the process of planning and executing cloud adoption, security remains to be a major barrier. Download this special report to learn more about cloud computing threats, the benefits of hybrid cloud and managed cloud services as well as how to stay compliant.
Organizational transformation is a major objective for operations within the travel and transportation industries. Every organizational improvement starts as a project. Download this report and learn how top performers select and execute transformative projects due to the centralized information and automated processes that Project Portfolio Management (PPM) solutions provide.
Everything about data has changed, but that only means that data models are even more essential to understanding that data so that businesses can know what it means. As development methodologies change to incorporate agile workflows, data architects must adapt to ensure models stay relevant and accurate.


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2015 College of Education Orientation and Welcome Events
Monday, 2 March 2015 at 12:00pm
Monday, 2 March 2015 at 12:00pm
Thursday, 12 March 2015
- de Beer Gallery, Special Collections, 1st Floor Central Library, University of Otago
Exhibition showcasing the recently acquired (March 2013) Dr Hal Salive Collection.
Saturday, 18 April 2015
- Hocken Gallery, 1st Floor, Hocken Library, 90 Anzac Avenue, Dunedin
This Hocken exhibition draws parallels between the creative approaches of prolific poet Cilla McQueen and respected painter Joanna Paul.
Monday, 20 April 2015
Monday, 20 April 2015
at 12:00pm
- William James Seminar Room, William James Building, Room 103, 275 Leith Walk, Otago Campus
The health and mental health benefits of spending time in nature are numerous and well-documented. But why does nature have these benefits? This talk will present research supporting one possible explanation: Nature can fulfill the need to belong.
Monday, 20 April 2015
at 1:00pm
- Bioethics Seminar Room, Bioethics Centre, Level one, 71 Frederick Street (entry on Frederick Street).
It has been claimed that the concept DISEASE is one we can well do without...
Monday, 20 April 2015 at 1:00pm
Monday, 20 April 2015
at 4:00pm
- 720 Cumberland Street, 2nd floor, Room 208
The field of 'Biostatistics' comprises several schools of thought.
Tuesday, 21 April 2015
at 9:00am
- University of Otago Wellington, Nordmeyer Lecture Theatre
Health Workforce Research and Policy: Questions, Conundrums and the Road Ahead
Tuesday, 21 April 2015
at 1:00pm
- D'Ath Lecture Theatre, 1st Floor, Hercus Building
Dr Gavin Clarke, Director, Research and Enterprise, University of Otago
Tuesday, 21 April 2015
at 4:15pm
- Archway 2
Hear from Marianne Franklin, Professor of Global Media and Politics at Goldsmiths (University of London, UK).
Tuesday, 21 April 2015
at 5:30pm
- Burns 2 Lecture Theatre, Arts Building, Albany Street.
Professor Takashi Shogimen (Department of History and Art History) presents his Inaugural Professorial Lecture.
Wednesday, 22 April 2015 at 1:00pm - Barnett Lecture Theatre, 1st floor, Dunedin Hospital
Wednesday, 22 April 2015
at 1:00pm
- Marama Hall
Gallipoli 1915 Commemoration Concert
Thursday, 23 April 2015 at 1:00pm - Allen Hall Theatre
Thursday, 23 April 2015 at 6:00pm - Union Hall
Friday, 24 April 2015 at 3:00pm - Economics Seminar Room: CO520, 5th Floor, Commerce
Friday, 24 April 2015 at 3:00pm - Richardson 10C15 (Moot Court)
Friday, 24 April 2015 at 3:00pm - 530 Castle Street (530 C1)
Friday, 24 April 2015
at 6:30pm
- St David's lecture theatre, University of Otago
Public lecture
Saturday, 25 April 2015


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Chuck Klosterman
Ghosts of Football Future
Thursday, January 29, 2015
Chuck Klosterman Reveals Which Musical Villains Wear 'The Black Hat'
Monday, November 11, 2013
In I Wear the Black Hat: Grappling With Villains (Real and Imagined), Chuck Klosterman how and why people pass judgment on musical heroes and villains.
Steve Reich Rewrites Radiohead; HAIM Plays Live; Chuck Klosterman On Villains
Monday, November 11, 2013
In this episode: Steve Reich, the composer that reinvented orchestral music discusses his newest composition, Radio Rewrite, a work inspired by the music of Radiohead.
Then, music has played a pivotal role in the work of Chuck Klosterman, who wrote about hair metal in his first book, Fargo Rock City. Today, he joins us to talk about villains, as dissected in his new book, I Wear The Black Hat.
And, the Los Angeles-based power pop group HAIM perform in the Soundcheck studio.
The Leonard Lopate Show
Guest Picks: Chuck Klosterman
Monday, July 22, 2013
Chuck Klosterman, the Ethicist for the New York Times Magazine, was on the Leonard Lopate Show recently to talk about his book, I Wear the Black Hat: Grappling with Villains (Real and Imagined). He also shared some of his more unexpected interests, including wildebeests.
The Leonard Lopate Show
Chuck Klosterman: I Wear the Black Hat
Monday, July 22, 2013
When we classify someone as a bad person, what are we really saying?
Supported by


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La Roux, Trouble in Paradise, album review: 'supremely self-assured'
This isn't the way it's meant to go. Back in the mists of pop time, aka 2009, singer Elly Jackson and producer Ben Langmaid, aka La Roux, led a wave of 1980s synth-pop fetishisation with a couple of sleek hits and a lesser album. But when it came to following it up, delay followed delay, Jackson split from Langmaid, and the charts moved on to 1990s house fetishisation. It seemed safe to assume that La Roux's future lay as a pub quiz answer ("or was it Little Boots?")
What a wonder this is then: a supremely self-assured work from the now-solo Jackson that sees the temperature rising, to quote opener "Uptight Downtown". Gone is the chilly retro-futurism of yore, replaced by a lissom tropical-pop sound, complete with funk guitar, calypso rhythms and love among the palm trees. Indeed, it's the full aural package holiday, ranging from the the Club Tropicana kitsch of "Kiss and Not Tell", to the sunset-primed chillout ballad "Paradise is You".
It's no mere summer sojourn, though: the vacation vibe belies Jackson's exquisite craftmanship. Which is to say songs continue to stretch and bend beyond their killer choruses: see "Cruel Sexuality", which begins as a jaunty funk number but turns unexpectedly tortured via a claustrophobic, clubby middle-eight. Or "Let Me Down Gently": a fragile electro-torch song that builds into a euphoric, cathartic barnstormer, complete with skyscraping sax solo.
At only nine tracks long, but with every one of them worthy of single status, it displays, as pop albums go, both rare economy and staggering consistency.
Sorry Ms Jackson, we know you're for real.
game of thrones reviewWarning: spoilers
North London meets The Exorcist in eerie suburban drama
Filming to begin on two new series due to be aired on Dave from next year
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Below is the poem entitled MAKE A NEW STARTED which was written by poet kurtis scott aka curtis futch jr. Please feel free to comment on this poem. However, please remember, PoetrySoup is a place of encouragement and growth.
Read Poems by kurtis scott aka curtis futch jr
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you can with aplan make a new stand with the lords hands you need to be apart get back on the chart MAKE A NEW STARTED
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Short Cuts
Death: 1st or 2nd century
Nicander was bishop of Myra (Dembre, Turkey). Hermas was a priest who served under Nicander. Both had received holy orders from Saint Titus, the disciple of the apostle Saint Paul. During the continuing persecution of Christians under the Roman emperors, Nicander and Hermas suffered brutal torture before being put to death. They were first dragged across jagged rocks by horses. Then the sides of their bodies were burned. In the end, they were buried alive.
FRANCIS XAVIER, ST. (1506-1552). Born in the family castle of Xavier, near Pamplona in the Basque area of Spanish Navarre on Apr. 7, he was sent to the University of Paris 1525, secured his ... continue reading
Irish abbess and disciple of St. Abban. When St. Abban founded a convent in Ballyvourney, County Cork, Ireland, Gobnata was placed in charge. A well there bears her name. continue reading
St. Dominic (1170-1221). Son of Felix Guzman and Bl. Joan of Aza, he was born at Calaruega, Spain, studied at the Univ. at Palencia, was probably ordained there while pursuing his studies ... continue reading
Martyr whose Apologia, or defense of the faith, is considered one of the most priceless documents of the early Church. Apollonius was a Roman senator who was denounced as a Christian by one of his ... continue reading
More Saint of the DayGemma Galgani was born on March 12, 1878, in a small Italian town near Lucca. At a very young age, Gemma developed a love for prayer. She made her First Communion on June 17, 1887. As a pupil at the school run by the Sisters of St. Zita, Gemma was loved by her teachers ... continue reading
More Female SaintsSt. Michael the Archangel - Feast day - September 29th The name Michael signifies "Who is like to God?" and was the warcry of the good angels in the battle fought in heaven against satan and his followers. Holy Scripture describes St. Michael as "one of the chief ... continue reading
The name Gabriel means "man of God," or "God has shown himself mighty." It appears first in the prophesies of Daniel in the Old Testament. The angel announced to Daniel the prophecy of the seventy weeks. His name also occurs in the apocryphal book of Henoch. He was the ... continue reading
Pope from 461-468 and guardian of Church unity. He was born in Sardinia, Italy, and was a papal legate to the Robber Council of Ephesus in 449, barely escaping with his life from this affair. Hilary ... continue reading
St. Leander of Seville, Bishop (Feast - February 27th) Leander was born at Cartagena, Spain, of Severianus and Theodora, illustrious for their virtue. St. Isidore and Fulgentius, both bishops were ... continue reading
By Alex Basile
Every carpenter must practice patience. We can learn important lessons from the wood shop in Nazareth from the humble Saint Joseph. I have always been a "do it yourself" type of guy thanks to my father. My dad is always a steady presence during my home-improvement ... continue reading
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1999 Mitsubishi Galant Reviews
1999 Mitsubishi Galant Reviews and Owner Comments
1999 Mitsubishi Galant (2 Reviews)
Not the greatest car but it gets me from A to B. Had issues with vibreations from the front drivers side wheel. Never had much of an issues untill I moved causing my driving to increase 3 folds. Good as a first car. Wished I got a 300m though.
Had this car for 9 years now and only small repairs were needed.


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Happy hump day, friends! Boy, do we have a treat today! Never in my life have I ever found a home that so wonderfully captures the exact esthetic that I look for. This home is the perfect combination of way cool and also true to the bones of a turn-of-the-century home. Living in a victorian home myself, it's often hard to combine a typically ornate and feminine foundation with a minimal, modern, and slightly rustic feel. Everything from the artwork to the textiles is perfection.
This home is owned by Ali Cayne and is my new standard for the decor in my home… I think you'll agree even more after you see this kitchen… [Read more…]


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Creative SoundBlaster Audigy 2 Review - Test Results
Creative Labs has dominated the PC sound card market for as long as we can remember. Probably the most feature-packed SoundBlaster was the original Audigy sound card, bringing a ground-breaking amount of new features to PC audio enthusiasts. About four weeks ago Creative announced its new Audigy 2 sound card. Today Asher "Acid" Moses takes us on a journey documenting its new features including DVD audio and Dolby Digital EX 6.1 playback. Are these features alone worth your hard earned dollars? Read on and find out!- Test Results
Firstly, let's compare the Audigy 2 to our original Audigy. After swapping back and forth numerous times, we managed to pin-point the Audigy 2's distinct advantages over the Audigy 1. As far as games go, we found that the bass reproduction from explosions and gun fire was deeper and richer on the Audigy 2 than on the original Audigy. This is also apparent whilst listening to audio tracks as well as DVD movies.
As for the extra channel provided by 6.1 audio - We found that this greatly enhanced the realism of both games and DVD movies, as we really felt immersed in the environment that was being presented to us. For example, on many of the war scenes in the popular DVD movie, Saving Private Ryan, the awesome audio coupled with the smart camera angles made us feel like we were actually out on the battlefield - Impressive!
Without going into too much detail, overall, when comparing both sound cards it is clear that the Audigy 2 is the higher quality product.
That said, although the bass reproduction and overall sound quality is slightly better on the Audigy 2, we do not feel that this is justification for an upgrade for owners of the original Audigy. However, if you own a previous generation Creative sound card or something in between or are on the market for a new PC, the Audigy 2 is ideal.
Now that a comparison has been made between the Audigy 2 and the original Audigy, let's move on to DVD audio. Due to the fact that DVD playing software such as WinDVD and PowerDVD cannot play DVD audio in its highest quality format, Creative have bundled their own DVD audio player with the Audigy 2. As mentioned earlier, the sound quality of DVD audio is infinitely better than CD audio, and we can only hope that more titles are produced in this format in the near future.
During testing we also made a detailed comparison between 16-bit/44kHz stereo sound and 24-bit/88kHz stereo sound. Although there is slightly less distortion under 24-bit/88kHz mode, we did not notice too much of a difference between the two frequencies. This is most likely because the human ear can only hear up to a certain frequency and thus, you could call it a "bottleneck" on our audio experience.
Thankfully, this is far from the case when comparing 16-bit/44kHz audio to 24-bit/96kHz 6.1 surround sound. Think of the difference between the two like the upgrade from CD audio to DVD audio. It is very noticeable and kind of makes you wonder how you ever did without it.
Positioning is great in both games and DVDs. For example, when we were testing the sound card in Hitman 2 and Soldier of Fortune 2, in many cases the fact that we could hear an enemy creeping up behind us saved our lives. This also gave both games and movies a more immersive feel, and in terms of music, we could distinctively hear each instrument without any muffling caused by sounds of different instruments coming from the same channel.
- Audigy 2 - Page 1 [Introduction]
- Audigy 2 - Page 2 [Specifications]
- Audigy 2 - Page 3 [Many Different Flavours]
- Audigy 2 - Page 4 [DVD Audio]
- Audigy 2 - Page 5 [Playback at 24-bit/96KHz?]
- Audigy 2 - Page 6 [Dolby Digital EX 6.1]
- Audigy 2 - Page 7 [The Card]
- Audigy 2 - Page 8 [Software Bundle]
- Audigy 2 - Page 9 [Test System & Methodology]
- Audigy 2 - Page 10 [Test Results]
- Audigy 2 - Page 11 [Conclusion]
Further Reading: Read and find more Audio, Sound & Speakers content at our Audio, Sound & Speakers reviews, guides and articles index page.
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NFL Draft Day Two: 10 of the Best of Who's Left?
After selecting one of the draft's best players last night in Chicago, the Jets will get another opportunity to add a talented player to this team for years to come. Who are some of the best players left as the 2015 NFL Draft turns to round two? Here's our attempt and finding talent and players the Jets might select at 37:
1) Jaelen Strong, WR, Arizona State
Metrics: 6'2 3/8", 217 pounds, 4.41-second 40-yard dash.
Strong's draft stock might have slipped due to concerns of a nagging injury to his wrist, but many considered him a late first rounder through much of the process. Strong is a big-play receiver, who could be a major red zone weapon in the NFL thanks to his size and strength.
2) Eli Harold, OLB, Virginia
Metrics: 6'3 1/8", 247 pounds, 7.07 second three-cone
Harold is one of the most versatile players at the DE/OLB position in this class and he would be an excellent match for the resourceful and multiple look schemes of Jets new head coach Todd Bowles. Harold had great production in his last season at Virginia amassing 54 tackles, 14.5 tackles for loss, seven sacks and an interception.
3) Devin Smith, WR, Ohio State
Metrics: 6'0 3/8", 196 pounds, 4.37 second 40 yard dash To read more of this story, click here


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Guys and Girls Being relatively new to the S3 world I would value the opinions of you all regarding servicing and maintenance choices. My 2001 AMK has 95% Audi history to date with plenty spent by the previous owners, thousands in fact, including cambelt, sensors, bushes, headlights all in addition to normal services. It has now covered 90 K and has been on variable services up til 2008, then annually. I plan to have a full service and haldex oil and filter change which is also due. My options are to use Harold Wood Audi my local dealer, whom in my limited dealings I do rate quite highly, or as I live in Essex I can use AMD at Lakeside, (10 minutes drive). There is very little in it cost wise. I am also considering, if I have enough pennies having the oil pick up replaced whilst they have it. At the moment I am leaning toward AMD. Do we think AMD in the service book is going help or hinder a sale at some point in the future?? Thanks in advance, interested to hear reports on them.. John
I have experience of Audi dealerships until I smelt the coffee but a few thousand pounds were spent for advice/work which wasn't convincing considering they were meant to be on the ball. Go AMD,Shaun and his guys will look after you,go to the sponsor section of the site and you might be lucky and get a discount.
Thanx voorhees No discounts advertised. Didnt see they were in the sponsor section!!! Think it will have to be AMD. Anyone else with any opinions?
AMD or any other well reputed Independant mate, no need for Audi nowadays, unless its absoloutley necessary.


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Today is the twenty-fifth anniversary of the Bradford Fire. In view of this, we are this morning republishing an article that first appeared on this site in May 2007.
Perhaps it's the extremely close proximity that it had to Heysel. Perhaps it was because it was dwarfed by Hillsborough, just four years later or by the Heysel Stadium disasaster, which came just two and a half weeks after it. Perhaps it was just because it occurred at a match between two of English football's less glamorous clubs, but the Bradford Fire feels like one of British football's hidden tragedies. Yet the events of Valley Parade on the 11th of May 1985 were, effectively, the beginning of the series of events that culminated in where we are today in terms of stadium safety and design. Read More The Bradford Fire Revisited


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Reluctant bankers support financial reform
Financial Quarterly/Credit Unions
- Allissa Kline
- Contributing Writer
Pieces of the pending financial-services reform bill make sense to community banker Patrick Cullen.
Namely, the Bank of Cattaraugus president likes the idea that Federal Deposit Insurance Corp. assessments, which are required to be paid by all FDIC-insured institutions, would be based on banks' total assets rather than domestic deposits only. If enacted, banks with more assets would pay more for deposit insurance.
Including the proposal in the final reform bill would be vindication for Cullen, whose tiny bank in the village of Cattaraugus is one of the smallest banks in New York state. His Main Street bank, with $13 million in assets, had no part in the economic downslide, unlike his Wall Street counterparts, he said.
"If this stays in the bill, that's justice rearing its head," he said. "We were very quickly blamed for everything, even though we had nothing to do with the subprime mortgage debacle. Finally, it would be a little bit of justice for community banks."
Cullen, like many community bankers locally and across the nation, agrees that some reform is necessary for the financial-services sector, parts of which fell apart in recent years as the U.S. economy tailspinned into a recession. But community bankers are wary of some of the proposed legislation, particularly that which requires more compliance with federal regulations.
Evans Bank N.A. President David Nasca worries that rules meant to rein in big banks will strike community banks in a damaging way.
"I think [legislators] are aiming at big banks that caused the problems, but the problem is the brush is going to swipe everybody," Nasca said. "The regulatory environment is already burdensome. To make it more so makes it tough to do business in this industry."
Lawmakers in Washington soon will begin reconciling two versions of the financial regulation, which many consider to be the most sweeping series of banking reforms ever. The House of Representatives passed legislation in December. The Senate passed its version of the bill May 20.
The legislation is meant to prevent future credit crises so that events from fall 2008 — the collapse of financial giants and taxpayer bailouts of many banks — don't happen again. Several aspects, therefore, directly affect large institutions. But community banks are likely to be affected, as well.
Independent Community Bankers of America, which represents nearly 5,000 community banks across the nation, largely supports the legislation, though it would like to see adjustments to some of the individual proposals, ICBA chairman-elect and Cattaraugus County Bank President Sal Marranca said. Problem proposals include one to reduce "interchange" fees that banks charge for debit card use at retailers, as well as allowing trust-preferred securities to remain part of banks' capital requirements, he said.
Yet Nasca is most worried about increasing compliance measures. He didn't pinpoint how much his Hamburg-based bank spends each year to comply with regulations, but he said that even the smallest banks pay $500,000 or more. Evans currently employs three people who work strictly on compliance issues, he said.
"It already costs hundreds of thousands of dollars to meet regulatory obligations from a compliance standpoint," he said. "That makes it a very prohibitive environment to operate in. On top of that ... it just makes it harder to do banking. If all you're doing is [meeting] financial regulations, it makes it hard to do what you're supposed to be doing."
Cullen, meanwhile, said he doesn't have the resources to hire a third person to handle compliance matters. The bank staff of eight is already stretched thin, he said.
In Orleans County, Medina Savings & Loan Bank President Timothy Moriarty wonders whether the proposed Consumer Financial Protection Agency will affect his two-branch bank. Moriarty, whose bank has $39 million in assets, said the real power of the agency won't be known until the agency becomes operational.
"It's just a big unknown and it could be OK or it could be detrimental," Moriarty said.
If the agency forces mortgage brokers to follow the same regulations required by banks, the "playing field" between the two will be leveled, Moriarty said. But if the agency limits the amount of money banks charge for ATM withdrawals, banks will lose money, he said.
"Nobody is going to really know how it'll work until it takes on a life of its own and shows what its powers are," Moriarty said.
Once the two bills are aligned, the reform bill gets passed along to President Barack Obama. Community bankers realize the final bill may be very unlike either version.
"What we're watching is ... whether [lawmakers] can make some modifications that make the bill more palatable from a realistic execution standpoint," Nasca said. "All we can try to do is tell them what we prefer and make sure they understand the impacts. I guarantee we don't know what it will look like at the end of the day."
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David Prosser: This bank error is not in your favour
Wednesday 25 November 2009
Outlook So it is D-day for the banks, from whom an enormous weight could be lifted this morning, if the Supreme Court rules that the Office of Fair Trading has been exceeding its powers by investigating their unauthorised borrowing charges. At a stroke, such a ruling would end the campaign, lead by
The Independent, for compensation for millions of people overcharged since 2001.
What's more likely, however, is that the Supreme Court will uphold the judgements of two previous hearings in lower courts, both of which ruled that the OFT is well within its rights to look at whether the charges banks have levied when people exceed overdraft limits or bounce cheques broke the law. Since the OFT has been quietly continuing its investigation while waiting for this final ruling today, that could mean a verdict from the regulator within just a few weeks.
That verdict will no doubt be appealed too, but assuming today's ruling goes in consumers' favour, the banks will eventually have to accept they were wrong to levy the charges they did. It's a very basic bit of law that charges of this sort, levied if a customer breaches a contract, should only cover a company's costs and not be set at levels designed to produce profits. No bank is going to be able to show that it incurred a cost of £35 each time a customer went over their agreed overdraft limit.
Don't think, however, that the banking industry will just swallow this bitter pill. The OFT reckons banks were making £2.6bn a year from these charges before the scandal blew up in 2006. In the credit card industry, where the same row was settled much more quickly two years ago, the OFT has said lenders should not charge unauthorised borrowing fees of more than £12. Were that model to be applied to the banks, they would be giving up around £1.7bn of annual revenue (while simultaneously facing a separate demand for compensation from millions of overcharged customers).
Some of the more dramatic claims there have been about this affair spelling the end to free banking are wide of the mark. It's difficult to imagine Britons being prepared to pay US-style fees for cash withdrawals or standing orders, say. That would be to turn back time.
Still, you can expect to see more and more current accounts that come with monthly charges – and ever greater effort from the banks to move us all into these products and services.
Indeed, that trend is already well under way. Personal finance specialist Moneynet says that of 82 current accounts now available in Britain, 37 (or 45 per cent) charge a fee. That compares to 24 out of 72 accounts (33 per cent) three years ago. Banks haven't simply been slapping charges on existing products, but launching new current account services that come with a fee justified by bells and whistles attached to the deal – free travel insurance, say, or the offer of more attractive interest rates on savings products.
Moneynet points out that with 54 million active current accounts in the UK, charging a monthly fee of £2.50 on each one would enable the banks to recoup almost all of their lost £1.7bn of unauthorised borrowing fee revenue. That's not going to happen overnight, but were the banks to shift, say, a quarter of current account customers to products with a £5 monthly fee, the industry would be halfway towards funding the shortfall.
Expect other gimmicks too. Some banks have already warned they will charge customers who don't use their accounts regularly, or fail to put more than a minimum amount through the account each month. Others, such as Santander, are promising to maintain free banking for customers who also have a mortgage with them (though there's nothing to stop them charging just a fraction extra for lending).
Moreover, new fees aren't the only way for the banks to turn an extra coin or two. Existing charges can also be raised. The consumer group Which? pointed out earlier this week that the cost of authorised overdrafts has increased significantly this year, with many banks raising the interest rates they charge on such borrowing, despite the fact that the Bank of England's base rate has fallen so dramatically. Mortgage rates also seem to be rising too.
To put all this another way, it won't be the banks that suffer following a crackdown on borrowing charges, but their customers – including many who never paid the unfair fees because they always stayed in credit, or at least within their agreed overdraft limits.
A business model that saw customers who broke the rules illegally charged in order to subsidise those who didn't is obviously wrong, but that may be no consolation to customers in the latter group.
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Fla. Student Gets New Hand Thanks to 3-D Printer
Chad Coarsey was born without a left hand — but after a little ingenuity with a 3-D printer, he now has one. The graduate student at Florida Atlantic University teamed up with his colleague, Charles Weinthal, who helped design and 3-D print a functional prosthetic hand for... Watch »
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My husband found this place on-line because it was near our hotel. We did not have reservations, but walked in and got a table immediately on a Saturday night. The ambience, decor, and music are really enjoyable. Better and more artsy then most mex restaurants. I loved all the parrots hanging from the ceiling (see pic). There is a loft-style seating area for families.
Service was fast and friendly with just a touch of up-selling. The server brought crayons and a picture for our son to colour. Margaritas were tasty and refreshing (both frozen and on-the-rocks). Not the best we've had, but far from the worst. We ordered only appies so cannot say much about food quality. I loved their salsa; it was thick and heavy on the fresh tomatoes, and not spicy. Just my style. The pico de gallo on the other hand was quite spicy and I could not finish it. The guac also has a different but enjoyable taste. I could not identify what special ingredient was used. My husband ordered the nachos and cleaned his plate without speaking.
We will be coming back here the next time we are in Victoria.
If you own or manage Cafe Mexico, register now for free tools to enhance your listing, attract new reviews, and respond to reviewers.


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Foss Maritime announced that Carl Smith has recently joined the company as the Director of Sales and Marketing for its Fleet Services Division based out of Seattle. He will be reporting to Mike Magill, Vice President of Fleet Services. Previously employed by Alaska Ship and Dry Dock (ASD), Smith was part of the ASD Management Team for 18 years. Early in his career, his responsibilities at ASD included Management of Production and Operations and, prior to joining Foss, he served as Director of Marketing.
"Carl's extensive industry experience and relationships will be a key asset in growing our business at both of our shipyards in Seattle, Washington and Rainier, Oregon," Magill said.
Smith is a mechanical engineer and prior to pursuing opportunities in the marine industry, he designed and constructed industrial facilities primarily in support of the forest products processing industry. Originally from Northern California, Smith lived in Alaska for nearly 30 years and welcomes the change to life in the Pacific Northwest.
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Horizon Shipbuilding, Inc. announced the delivery of another 80' Inland River Towboat, the M/V Chip Stiebing, to Florida Marine Transporters (FMT) of Mandeville, La.


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Learn About BloggingReturn To the Team SP Class of May 10-16, 2009
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What will your contribution to humanity be in 2014?
(in order)
BOBBY — To not strangle anyone.
DENNIS — My smile.
ELVIN — With the economy as bad as it is, to give the best deal I can to my customers.
CANDICE — To be nice to those that don't tip me.
BRIANNA — To join the Navy once I graduate.
CHAYCE — To join the Navy and serve my country.
MARCO — To plant a couple of trees in my yard.
MEAGON — I'm going to smile at everyone because there's a lot of grumpy people around.
FRANK — If I see someone broke down on the side of the road, I'll stop.
JUSTIN — Direct out-of-towners to the nearest dispensary.
MARCUS — To create scholarships and opportunities for people.
MARY — To be nice.
GILBERTO — To give people good deals at my store.
SKYLA — To take over the world (maniacal laugh).
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text:
Navan preview
Pleascach is around the 20-1 mark for the Oaks and attempts to advertise her Classic credentials in the Irish Stallion Farms EBF Salsabil Stakes at Navan.
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Chris Hayes was the man of the moment at Limerick with a fabulous four-timer, including victory for smart hurdler Katie T in the Follow Limerickraces On Twitter Handicap.
One year after winning the race with Clemens Fankhauser, the Tirol Cycling Team will attempt to once again shine in An Post Rás, with the Austrian outfit confirming that it will take part in next month's race.
Northern Ireland's international matches at Windsor Park in Belfast could be in doubt after the Irish Football Association said today that it will study the findings of a preliminary engineer's report into the damaged West Stand.
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Unic De Bersy hasn't had a lot of luck during his brief career and attempts to make up for lost time in the Join Tipperary Races Supporters Club Maiden Hurdle.
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text:
- Prison Planet.com - http://www.prisonplanet.com -
Google: More People Will Die From Swine Flu If We Cannot Retain Search Data
Posted By admin On May 20, 2009 @ 9:52 am In Featured Stories,News In Focus,Steve Watson Articles | Comments Disabled
Co-founder makes ridiculous assertions to justify sidestepping privacy concerns
Steve Watson
Infowars.net [1]
Wednesday, May 20, 2009
Google has cited a possible influenza pandemic as a reason why it should be allowed to permanently retain users' search data without restrictions.
There is an ongoing debate within the European Commission as to how long web companies should be able to keep such data, with privacy advocates suggesting it be wiped after six months.
However, Google co-founder Larry Page has suggested that the company should not be hindered in retaining search data, rather ludicrously suggesting that the more restrictions there are on data retention, the "more likely we all are to die".
"Our up-to-date influenza estimates may enable public health officials and health professionals to better respond to seasonal epidemics and pandemics," Page is reported to have claimed at Google annual Zeitgeist conference in London.
He said Google's ability to plot and predict potential pandemics would not be possible if the firm had to delete search data after six months, the BBC reports [2].
(Article continues below)
Sci-Tech website The Register [4] points out that Google has previously boasted that its flu estimates are available each day because Google search queries can be automatically counted very quickly.
Which raises a question: if the point of using web searches to track disease is that the data is instantly available, how does data that is more than six months old help, let alone make us all less likely to die? The Register asks.
Only hardened cynics (ahem) would suggest that the push for long term retention of search data is intrinsically tied to Google's mass profit making target advertising campaigns.
Article printed from Prison Planet.com: http://www.prisonplanet.com
URL to article: http://www.prisonplanet.com/google-more-people-will-die-from-swine-flu-if-we-cannot-retain-search-data.html
URLs in this post:
[1] Infowars.net: http://www.infowars.net/index.html
[2] BBC reports: http://news.bbc.co.uk/1/hi/technology/8058084.stm
[3] Image: http://www.prisonplanet.tv/subscribe.html
[4] The Register: http://www.theregister.co.uk/2009/05/20/page_search_retention/
Click here to print.
Copyright © 2013 PrisonPlanet.com. All rights reserved.


text:
2 IKEA TUPPLUR ROLLER BLINDS - Grey
2 IKEA TUPPLUR ROLLER BLINDS - Grey We are selling an unused set of grey roller blinds. Both come in original packing, one of them still sealed. Bought in August 2013, but as they didn't fit our window size, we never put them up, so basically bra


text:
Ohio doctors have $43 billion economic impact, report
- Staff Dayton Business Journal
Doctors in Ohio support more than 300,000 jobs and generate more than $43 billion in economic activity, according to a new report by state and national physicians' lobbying groups.
The report, completed by the American Medical Association in conjunction with state medical societies, quantifies the economic impact physicians have on each state and the U.S. as a whole.
The study focused on the roughly 720,000 U.S. physicians who spend most of their time seeing patients, as opposed to those who focus on research or teaching.
Ohio had 28,000 physicians as of 2012, and each one supported an average of 11 other jobs and contributed to 306,000 jobs statewide.
And the total revenue generated by the physician industry in Ohio tallied $43.4 billion.
Click here to see the full report and an interactive U.S. map.
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Temple is part of San Francisco's Zen Compound, a nightlife concept focused on "green" policies and sustainability founded in 2004.
View the venue listing
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Line-up /Main Floor
Paul Hemming
(Temple Music Group)
David Gregory
Destiny Lounge
Adam Auburn
Frankie Jr.
Glade luco
A2dDine at Ki, our new Izakaya Bar, now serving fresh Japanese cuisine and sushi! Dine at Ki on Friday or Saturday and receive free entry to Temple ($25 minimum per person for free entry).
Parties larger than six that wish to receive free entry to Temple Nightclub must purchase pre fixe meals. Reservations are required two days prior. For Reservations call (415) 278-0495 or click here. For more information on Ki, visit ki-sushisf.com. Large parties receive free tickets to the nightclub and avoid long lines.
Beatport Mix members 21 years or older with proper ID required, show your membership card at Temple before 11:00 PM to receive complimentary entry or discounted cover on larger headlining events. Some restrictions apply. -
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48 Attending
Housepitality Feat. Mark Farina! FIL Latorre, Sharon Buck, Joel Conway
Fri, 1 May 2015
59 Attending
As You Like It with Giegling
TBA - Oakland
Sat, 2 May 2015
54 Attending
Crew Love Block Party
Fri, 15 May 2015
260 Attending
As You Like It with Maya Jane Coles, Martyn and Archie Pelago
Sat, 16 May 2015
71 Attending
Honey Soundsystem & Mighty present BEN UFO & Midland
Sun, 17 May 2015
82 Attending
Sunset Island 2015: an Electronic Music Picnic
Fri, 22 May 2015
51 Attending
As You Like It with Move D and Reagenz (Jonah Sharp & Move D) Live
Sun, 7 Jun 2015
903 Attending
All Day I Dream of San Francisco Sunshine


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- David Brown
- Reporter
David Brown, a journalist and physician, has been a staff writer for The Washington Post since 1991. He has covered medical research, the AIDS epidemic, clinical practice, medical ethics, epidemiology, global health, and numerous non-medical scientific subjects. He majored in American Studies at Amherst College, graduating in 1973. He worked as a reporter at The Greenwood (Miss.) Commonwealth and The Baltimore Sun before entering the Medical College of Pennsylvania, from which he graduated in 1987. He works four days a week at the Post and two-thirds of a day at a general internal medicine clinic in Baltimore supervising third-year medical students.
Deep in the heart of Big Bend National Park
The stars at night are big and bright, and the hiking is challenging.
In coastal Maine, nuanced portraits of 2 American painters
Visiting the studios of Winslow Homer and Andrew Wyeth: a carriage house and a battered saltwater farm.
Sometimes in medicine we just don't know what happened
The imperfect responses to Ebola, smallpox and anthrax all show how mistakes get made.
Two siblings swim English Channel. A third falls short
The Wahls take on a tougher challenge than they imagined; one recovers after losing consciousness.
- Americans aim to set a record as the first trio of siblings to cross the English Channel
- Dying while trying to swim English Channel
- The press-release conviction of a biotech CEO and its impact on scientific research
- Former TV reporter campaigns to bring Huntington's disease out of the shadows
- Oregon scientists get stem cells from cloned human embryos
- About 40 percent of the diarrhea in young children is caused by four bugs, study finds
- Linguists identify 15,000-year-old 'ultraconserved words'
- Motor vehicle crashes: A little-known risk to returning veterans of Iraq and Afghanistan
Most Read: National
1Sheryl Sandberg: 'unexpected hell' of husband's death is 'darkest and saddest' moment of my life
2Online activists raised $60K for Tamir Rice's family — so where did all that money go?
3Couple found guilty of having sex on a Florida beach, faces up to 15 years in prison
4My daughter, who lost her battle with mental illness, is still the bravest person I know
5Dave Goldberg's death points to rise and risks of treadmills in era of smartphones
Ask Aaron: The Week in Politics
Q&A Transcript
What if Hillary pulls out of the race? The Fix's Aaron Blake has answers.


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We're from Nantes (40 mns drive from Atlantic Ocean). We like travelling because we enjoy discovering different ways of life. We went to Cuba, Thailand, Indonesia, California and a few european countries and we enjoyed each country. What we like is meeting local people that's why we never book in hotels. We enjoy food, sport, nature, different places.
Sabine has completed online and offline ID verification.
Sabine was a great guest! Good communication and respectful of our place.
It was great to deal with Sabine. They are a nice family and easy to deal with. They took very good care of the appartment and I am glad they enjoy it.
It was such a pleasure to host Sabine and her beautiful family! These are the kind of guests that make you feel great , well educated, kind, happy , the perfect guests i will love them to come back, if they choose you, you are going to be as happy as i was!