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The Australian
Type | Daily newspaper |
Format | Broadsheet, Online, App |
Owner(s) | News Corp Australia |
Editor | Clive Mathieson |
Editor-in-chief | Chris Mitchell |
Founded | 14 July 1964 |
Headquarters | Surry Hills, New South Wales, Australia |
Website | theaustralian |
The Australian is a broadsheet newspaper published in Australia from Monday to Saturday each week since 14 July 1964. The editor in chief is Chris Mitchell, the editor is Clive Mathieson and the editor-at-large is Paul Kelly. Available nationally (in each state and territory), The Australian is the biggest-selling national newspaper in the country, with a circulation of 116,655 on weekdays and 254,891 on weekends, figures substantially below those of top-selling papers in Sydney (The Daily Telegraph), Melbourne (The Herald Sun), and Brisbane (The Courier-Mail).[1] Its chief rival is the business-focused Australian Financial Review.
In May 2010, the newspaper launched the first Australian newspaper iPad app.[2]
The Australian is owned by News Corporation Australia. Recent years have seen significant decreases in circulation.
Parent companies[edit]
The Australian is published by News Corp Australia, an asset of News Corp, which also owns the sole dailies in Brisbane, Adelaide, Hobart and Darwin and the most popular metropolitan dailies in Sydney and Melbourne.[3] News Corp's Chairman and Founder is Rupert Murdoch.
The Australian integrates content from overseas newspapers owned by News Corp Australia's parent, News Corp, including The Wall Street Journal and The Times of London.[3]
The first edition of The Australian was published by Rupert Murdoch on 15 July 1964, becoming the third national newspaper in Australia following shipping newspaper Daily Commercial News (1891)[4] and Australian Financial Review (1951). Unlike other Murdoch newspapers, it was neither a tabloid nor an acquired publication.[5] From its inception The Australian struggled for financial viability and ran at a loss for several decades.[5]
The Australian's first editor was Maxwell Newton, though he would leave the paper within a year[6] and was succeeded by Walter Kommer, and then by Adrian Deamer. During the 1975 election, campaigning against the Whitlam government by its owner led to the paper's journalists striking over editorial direction.[6]
Daily sections include National News (The Nation) followed by Worldwide News (Worldwide), Sport and Business News (Business). Contained within each issue is a prominent op/ed section, including regular columnists and non-regular contributors. Other regular sections include Technology (AustralianIT), Media, Features, Legal Affairs, Aviation, Defence, Horse-Racing (Thoroughbreds), The Arts, Health, Wealth and Higher Education. A Travel & Indulgence section is included on Saturdays, along with The Inquirer, an in-depth analysis of major stories of the week, alongside much political commentary. Saturday lift-outs include Review, focusing on books, arts, film and television, and The Weekend Australian Magazine, the only national weekly glossy insert magazine. A glossy magazine, Wish, is published on the first Friday of the month.
"The Australian has long maintained a focus on issues relating to Aboriginal disadvantage."[3] It also devotes attention to the information technology, Defence and mining industries,[3] as well as the science, economics, and politics of climate change. It has also published numerous "special reports" into Australian energy policy.
The Australian Literary Review was a monthly supplement from September 2006 October 2011.
Payment for online content[edit]
In October 2011 News Ltd announced that it was planning to become the first general newspaper in Australia to introduce a paywall. It charges readers $4.00 per week to view premium content on its website and mobile phone and tablet applications.[7]
Editorial and opinion pages[edit]
Editor-in-chief Chris Mitchell has said that the editorial and op-ed pages of the newspaper are centre-right,[8] "comfortable with a mainstream Labor prime minister Kevin Rudd, just as it was quite comfortable with John Howard."[3] According to other commentators, however, the newspaper "is generally conservative in tone and heavily oriented toward business; it has a range of columnists of varying political persuasions but mostly to the right."[9] Its former editor Paul Kelly has stated that "The Australian has established itself in the marketplace as a newspaper that strongly supports economic libertarianism".[10]
The Australian presents varying views on climate change, including giving space to articles and authors who agree with the scientific consensus, such as Tim Flannery, those who agree with the cause but who disagree with the methods of coping with it, such as Bjørn Lomborg,[11] through to those who disagree that the causes or even presence of global warming are understood, such as Ian Plimer.
In September 2010, the ABC's Media Watch presenter Paul Barry, accused The Australian of waging a campaign against the Australian Greens, and the Green's federal leader Bob Brown wrote that The Australian has "stepped out of the fourth estate by seeing itself as a determinant of democracy in Australia". In response, The Australian opined that "Greens leader Bob Brown has accused The Australian of trying to wreck the alliance between the Greens and Labor. We wear Senator Brown's criticism with pride. We believe he and his Green colleagues are hypocrites; that they are bad for the nation; and that they should be destroyed at the ballot box."[12]
Columnists and contributors[edit]
Regular columnists include Dennis Shanahan, Peter van Onselen, Paul Kelly, Greg Sheridan, Nicolas Rothwell, Janet Albrechtsen, Imre Salusinszky, Chris Kenny, Troy Bramston, Nikki Savva, Judith Sloan, Emma Tom and Angela Shanahan. It also features daily cartoons from Bill Leak and Peter Nicholson.
Occasional contributors include Gregory Melleuish, Kevin Donnelly, Tom Switzer, James Allan, Hal G.P. Colebatch, Luke Slattery, and Noel Pearson.
Former columnists include Phillip Adams, Mike Steketee, David Burchell, Michael Stutchbury, Simon Adamek, Glenn Milne, Cordelia Fine,[13] Alan Wood, Michael Costa, P. P. McGuinness, Michael Costello, Frank Devine, Matt Price and Christopher Pearson.
The Australian's "Australian of the Year"[edit]
In January of every year, The Australian announces its choice for "Australian of the Year". In 2011, the newspaper announced that Treasury Secretary Ken Henry was its winner of the award for 2010.[14] Previous winners include Kevin Rudd (2009),[15] Stephen Keim (2008),[16] Bob Brown (1983)[17] and Gough Whitlam (1972).[15][18]
The average print circulation for The Australian on weekdays was 116,655 during the June quarter 2013, having fallen 9.8 per cent compared to the June quarter 2012. The average print circulation for The Weekend Australian was 254,891 during the June quarter 2013, down 10.8 per cent compared to the June quarter the previous year.[1]
In November 2006, The Australian journalist Caroline Overington was awarded both the Sir Keith Murdoch Award for Journalism and a Walkley award for investigative journalism over her coverage of the AWB Oil-for-Wheat Scandal for the paper.[19] The following year, Hedley Thomas won the Gold Walkley Award for his coverage of the Haneef case.
Also in 2007, the newspaper's website won the Pacific Area Newspaper Publishers' Association Online Newspaper of the Year award.[20]
See also[edit]
- ^ a b Knott, Matthew (16 August 2013). "Newspaper circulation results shocker: the contagion edition". Crikey (Private Media). Retrieved 26 August 2013.
- ^ Omar Dabbagh (17 May 2010). "The Australian launches iPad newspaper app". PC World (IDG Communications). Retrieved 3 April 2011.
- ^ a b c d e Manning, James (10 March 2008). "National daily plans new business website and monthly colour magazine". MediaWeek (Sydney, Australia) (854): 3, 7, 8.
- ^ Daily commercial news and shipping list, National Library of Australia Trove
- ^ a b Cryle, Denis (2008). Murdoch's flagship (PDF). Melbourne University Press. ISBN 978-0-522-85675-0.
- ^ a b Tiffen, Rodney. "The Australian at forty-five". inside.org.au. Retrieved 16 April 2013.
- ^ "Australian to charge $2.95 a week for all online content. It is also charging $1 for the first 28 days then increasing to the $2.95 per week from the end of the first month.". The Age (Melbourne). 18 October 2011.
- ^ Mitchell, Chris (9 March 2006). The Media Report. Australian Broadcasting Company.
- ^ Clancy, Laurie (2004). Culture and customs of Australia. Greenwood Publishing Group. p. 126. ISBN 978-0-313-32169-6.
- ^ "Do not disturb: is the media failing Australia?" P60 By Robert Manne
- ^ Jowit, Juliette (30 August 2010). "Bjørn Lomborg: $100bn a year needed to fight climate change". The Guardian (London).
- ^ Barry, Paul. "Gunning for The Greens". Media Watch. abc.net.au. Retrieved 20 March 2013.
- ^ "Cordelia Fine". Cordelia Fine. 2011-07-31. Retrieved 2013-12-27.
- ^ Ken Henry: the thinking country's bureaucrat The Australian
- ^ a b Why is Kevin Rudd Australian of the Year? Crikey
- ^ Hedley Thomas. (15 December 2007). The odd couple. The Australian.
- ^ "ABC TV - My Favourite Australian - Bob Brown". Abc.net.au. Retrieved 2013-12-27.
- ^ The Australian's "Australian of the Year" page
- ^ Kickback: Inside the Australian Wheat Board scandal. Allen & Unwin.
- ^ Elks, Sarah (9 August 2007). The Australian wins online newspaper award. News.com.au.
External links[edit]


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For more information about this meeting, contact Jan Reimann, Stephen Simpson.
Title: | The reverse mathematics of Peano categoricity |
Seminar: | Logic Seminar |
Speaker: | Stephen G. Simpson, Pennsylvania State University |
Abstract: | |
We define a system to be an ordered triple A,f,i where A is a set, f is a function from A to A, and i is a distinguished element of A. We say that the system A,f,i is inductive if A is the only subset of A which is closed under f and contains i. We define a Peano system to be an inductive system such that f is one-to-one and i does not belong to the range of f. A key theorem in the foundations of mathematics due to Dedekind (1888) asserts that every Peano system is isomorphic to the standard Peano system N,S,1 where N is the set of positive integers and S(n) = n+1 for all n in N. We investigate the question of which axioms are needed to prove Dedekind's theorem. Our investigation is carried out in the context of reverse mathematics. We show for instance that Dedekind's theorem is logically equivalent to WKL0 over RCA0*, and from this result we draw some foundational/philosophical insights. This is joint work with Keita Yokoyama. Our paper is available on-line at http://www.math.psu.edu/simpson/papers/rmpc.pdf . |
Room Reservation Information
Room Number: | MB315 |
Date: | 09 / 25 / 2012 |
Time: | 02:30pm - 03:45pm |

subset: commoncrawl


text:
- What are the Residence Halls like?
- Are there Internet connections in the residence hall rooms?
- Do I need to bring a phone with me?
- Will I have a roommate?
- Can I choose my own roommate(s)?
- What should I do if I don't get my chosen roommate?
- Who do I talk to if I am having a problem with my roommate, (i.e. noise, guest sleeping over, other issues)?
- Do you have a Residency Requirement?
- Can I bring my car?
- Where can I study and hang out with friends?
- Can I have a fridge in my room?
- Are there vending machines?
- Can I ever cook my own meals?
- Can I have visitors in my room?
1. What are the Residence Halls like?
There are currently three traditional residence halls on campus, Bell Hall, Carlisle Hall, and Hart Hall, and one suite-style residence hall, Darling Learning Center (DLC). The halls are located adjacent to each other and are close to the dining hall, making it convenient to visit friends and go to meals. The traditional halls each have nine floors that are either male or female, with about 16 rooms on each floor. Each floor has its own single gender bathroom with showers, toilets and sinks. There is a student Resident Assistant (RA) on every floor serves as a mentor and resource for those who live on campus.
Each traditional hall room is furnished with two twin beds and mattresses, two desk chairs, two closets, two bureaus, two study desks and two chairs. The room dimensions are 11'7 x 15'7. Your window measurements are 72" wide x 65" long, and it will have blinds. You can make the room "your own" and we encourage you to bring lots of pictures and decorations!
The Darling Learning Center features classrooms on the first floor with four floors above that of suite-style living opportunities for students. These are gendered by suites, with four students living in the suite. Each suite contains two double bedrooms, a common area, sink and vanity area and a bathroom with a toilet and shower. The bedrooms contain two twin beds and mattresses, two dressers, two wardrobes, two study desks and two chairs. The common area comes equipped with three upholstered chairs that can be pushed together to make a couch or used separately and an ottoman that can be utilized in a similar manner. The bedrooms have a shade for the window and the common area has blinds. The bathroom comes with a shower curtain and towel rack. Two RAs live and work on each floor of the DLC, providing a resource for the residents of the building.
2. Are there Internet connections in the residence hall rooms?
Yes, there is high speed Internet in each room, which can be accessed through the Wi-Fi system or by connecting through the Ethernet ports. All students are provided with a campus email account as well. You can find out anything you need to know about residential networking services on campus by contacting the Help Desk of IRO at (207) 941-1000 or check their site for more information.
3. Do I need to bring a phone with me?
Residence hall rooms are no longer equipped to support phones. It is advised that students bring a cellular telephone in order to maintain contact with family and friends. There is, however, a phone in each lobby of the res halls that allow free local calling. Long distance calls simply require a phone card to connect.
4. Will I have a roommate?
If you are a first-year student, you will have a roommate; either assigned based on your preferences or requested roommate assignment. Living on-campus with a roommate is the best way to learn about living in a community and to make new friends. During the remainder of your time as an on campus resident, you will be able to request a single room accommodation; however, single rooms will be assigned based on availability and seniority. If a medical reason necessitates a single room placement, please contact the Office of Housing and Residence Life in order to provide the proper documentation.
5. Can I choose my own roommate(s)?
When filling out your housing registration, you may complete the roommate request field. Both applicants must request each other in this section. The Office of Housing and Residential Life will attempt to accommodate roommate requests; however, fully vacant rooms are limited and not all requests can be guaranteed. Please be aware that there are only double rooms available and no triple occupancy spaces will be offered to students.
6. What should I do if I don't get my chosen roommate?
Try it out! This will be a great opportunity to expose you to a new living situation and learn quite a bit about yourself. Many students come to college, not knowing any other students and will also need to form new connections.
If the living situation that you are placed in does not work out, room changes may be accommodated after the Add/Drop period and up until two weeks before the end of the semester. Contacting a Resident Assistant or the Resident Director will start the process of attempting to reconcile with your roommate and, if necessary, can begin the room change process.
7. Who do I talk to if I am having a problem with my roommate, (i.e.
noise, guest sleeping over, other issues)?
- First, talk to your roommate. Most likely they are not aware that their
actions are causing you concern. You can also start with a roommate agreement that has been created for you to agree on expectations for your room.
- Second, ask for assistance from the Resident Assistant on your floor. Very often, the Residence Life staff can help resolve your problem, usually by facilitating a meeting between you and your roommate.
- Third, mutually agree with your roommate to start the process of a room change. The Residence Life staff can assist you with the procedures and paperwork. Everyone must receive approval from a Resident Director before changing rooms.
8. Do you have a Residency Requirement?
All first and second year Husson University students are required to live on campus. This is evaluated based on the number of credits that a student has completed, meaning a resident must achieve 54 credit hours before they will be approved to live off campus. For upper-class students, the residence halls are often still the best choice due to the amenities provided. Feel free to reach out to the Residence Life staff member if you have more questions or check our Residence Life policies and procedures for more information.
9. Can I bring my car?
All students are welcome to bring their cars to campus; however, there is a registration fee. Husson University Safety and Security distributes the decals for residential students. The cost is $75 for the academic year and you will need your license and registration to obtain the decal. Resident parking is located in Lots 10, 11, 12 and 13 – all located behind the traditional residence halls. No parking is allowed in areas designated for commuters, faculty, staff and visitors.
10. Where can I study and hang out with friends?
Each residence hall contains a number of lounges, furnished to accommodate work and social interactions. The library is located in Peabody Hall, near the residence halls, and provides a quiet place for study. The Campus Center is a popular location for group work and hanging out with friends, as the Cressy Marketplace and Wiley's Café are located nearby. The Furman Student Center is also available in Peabody Hall and has flat screen TVs, pool tables, ping pong, foosball and seating areas for spending time with friends.
11. Can I have a fridge in my room?
Each res hall room is equipped with a MicroFridge. This is a combination refrigerator and microwave unit that is provided for each room on campus. It is recommended that you communicate with your roommate to bring a mini fridge to campus, as it is a particularly useful appliance. Just be certain the unit is less than three cubic feet. Only one additional unit is permitted in addition to the MicroFridge that is already provided.
12. Are there vending machines?
There are multiple vending machines in each residence hall and others throughout the campus. Additionally, the Dickerman Dining Commons' Grab and Go program, Cressy's Marketplace and Angelo's in Bangor provide dining options after the Dining Commons closes in the evening.
13. Can I ever cook my own meals?
There is a kitchen in the basement of Carlisle Hall that has a microwave and range top stove. Unfortunately there is no other common community kitchen space on campus at this time.
14. Can I have visitors in my room?
Other students who live on campus are welcome to visit, however access to buildings becomes restricted after 9 PM for safety reasons.
Visitors who do not live on campus or do not attend Husson University must sign in with a Resident Assistant if they plan to stay overnight. The student who is serving as the host for the guest is held responsible for the guest's actions through the duration of their stay. It is required that guests, after signing in, must carry their guest pass as a form of identification while on campus.
Overnight guests are also welcome, but the residence hall policy states that the guest may only stay for two consecutive evenings and permission of your roommate is required.


text:
Monthly Archives: September 2010
Teddy, a thank you and an update!
Last Friday, as usual, APA! had the final hour at TLAC to get dogs and cats off the euthanasia list. This Friday was a little different though. APA! had one of those days that reminds us why we volunteer, and … Continue reading
Posted in Donations, Fundraising, Rescue, Special Needs Pets, Volunteering Tagged Teddy, thank you 4 Comments
2nd Annual APA Garage Sale
Schedule for Sat. Oct. 9th ITEM DROP-OFF: 7:00-8:30am GARAGE SALE HOURS: 9am-4pm WHERE: 2807 Manchaca Rd, 78704 Join us on Saturday, Oct 9th for the 2nd Annual APA! Garage Sale! The event will run from 9am-4pm, and will feature a … Continue reading
Posted in Donations, Events, Fundraising, Volunteering Tagged garage sale Comments Off
Night of the Moustache!
Team Spiridon has been wonderful to us this year, they've helped out at the building and we'd like to help them spread the word about the third annual Night of the Moustache benefit event! There will be bands, a silent … Continue reading
Posted in Events Tagged night of the moustache, team spiridon Comments Off
Sunday Morning Listening
Many people have been following the story of Michael Vick's dogs, and it's been getting even more press with the release of the book, The Lost Dogs. Last week, NPR did a story on the rehabilitation process and interviewed Jim … Continue reading
Posted in Uncategorized Comments Off
Update 9/27: Teddy is going in for surgery first thing Tuesday (9/28) morning. The vets say that he has been doing well with them. We'll post more after he gets out of surgery. Update 9/24 9:30PM: Dr. Vasanjee at the … Continue reading
Posted in Fundraising, Rescue Tagged Teddy 5 Comments
APA statement regarding news about hoarding case
The volunteers and employees of Austin Pets Alive! are deeply saddened by the reported news of a case of severe animal neglect in Austin. The terrible conditions reported to us simply cannot be tolerated, and we unreservedly support the efforts … Continue reading
Posted in Uncategorized Tagged hoarding 2 Comments
APA! Building Update – Dog Kennels
The last time I was in the dog building there were just wood frames for room partitions, a few solid walls, and floor. In two weeks it's come a long way! There are actual rooms! And you can tell what … Continue reading
Posted in Donations, Pets Needing Homes Tagged building, dogs, plumber Comments Off
Save a Life Donation Drive Update
Update 10/9/2010: Our fundraisers have now raised over $15,000, and pledged over $20,000 that's 150 pets saved already! Our goal is to raise $50,000 though as there are still many pets needing your help. We've received even more prizes to … Continue reading
Posted in Fundraising, Rescue Tagged save a life drive Comments Off


text:
Larson, Ronald G.
From Library of Congress Name Authority File
Larson, Ronald G.
Instance Of
Scheme Membership(s)
Collection Membership(s)
- Larson, Ron G.
Use For
Exact Matching Concepts from Other Schemes
- found: His Constitutive equations for polymer melts and solutions, c1988: CIP t.p. (Ron G. Larson) bk. t.p. (Ronald G. Larson, AT&T Bell Labs.)
- found: The structure and rheology of complex ... 1998: CIP t.p. (Ronald G. Larson; University of Michigan, Ann Arbor) d.s. (Ronald Gary Larson; dob March 30, 1953) bk., cover, p. 4 (lists works)
Change Notes
- 1987-07-09: new
- 1999-02-03: revised
Alternate Formats


text:
Welcome to the Florida Local Masters Swim Committee!
Adult Learn-To-Swim Instructor Certification
USMS is hosting an Adult learn-to-swim
Instructor Certification Course
Saturday, February 7, 2015 in Orlando, FL
ALTS Prerequisites: You must be a curre...
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Membership Has Its Benefits
June USMS Coach Certification Trainings
USMS Coach Certification Trainings Fall 2014
Measurable and Attainable Resolutions for Masters
Written By: Kimberlee Riley
Happy New Year! Welcoming in the New Year allows us to look for opportunities to improve. However, studies show that New Year resolutions are typically broken within the first few weeks of the year. To avoid this, consider your resolutions to be goals and make plans for how you will achieve them. Be sure to make resolutions that are specific to your own needs and are easy for you to measure your progress. Here are some examples for you to consider if they are appropriate for you.
1. Rather than a general resolution to swim better in 2013, choose a specific event to improve. When you choose one event you can incorporate specific sets into your practice and work on core techniques to improve your event. By focusing on one event you have a better chance of making a big impact for significant improvement.
2. Don't just focus on your best stroke or distance event, develop your skills in another stroke or event. Becoming a more versatile swimmer not only helps you but can also give your team more options for relays.
3. Incorporate something new into your training. If you only swim, add some dry land exercises to your routine before practice. If you don't already, try jogging, cycling, or maybe yoga. Whatever it is, choose one thing new to add to your routine.
4. Attend at least one workshop or clinic in 2013. Find the best one for you, sign up, and learn from the experts.
5. Swim for good. Find a cause that is near and dear to your heart and participate in a fundraising race or event that supports it. Or perhaps, organize a fundraising swim or triathlon event to support your cause in 2013.
6. Develop better nutritional habits. But don't go cold-turkey; break it down into baby steps. If you drink soft drinks, replace a certain number each week with water. Or if you eat fast food, replace so many of those meals with healthy ones. Eat one more piece of fruit or an extra vegetable each day. Whatever your unique diet needs are, set specific goals to address them.
7. Get more rest. Whether you need to add hours or be more consistent with your bedtime, adapt your schedule and modify your habits to get better rest.
8. Don't worry, be happy. Work on your attitude and mental preparedness. Believe in yourself and your abilities. Compliment yourself at least once a day on your accomplishments. This will build your confidence and belief in yourself.
© 2010 Florida Local Masters Swim Committee | Design and Content Management System developed by
Ted Bradley


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text:
Noam Freedman's cozy boutique stocks officially licensed FDNY and NYPD clothing ($18–$64), accessories ($3–$18) and souvenirs ($3–$25). Grab a four-piece fireman costume ($125) that includes a cotton bunker-style snap-up jacket and pants with yellow reflective strips, clip-on suspenders, and a plastic helmet. If you have the dough to drop on authentic fireman gear, there's a small used-equipment section featuring donated leather helmets ($250–$400) and real bunker jackets ($150–$350). There are also baseball caps ($13) boasting the NYPD logo, which is emblazoned across cotton T-shirts ($20–$26) and pullover hooded sweatshirts ($45) as well.
Venue name: | Firestore | Contact: |
Address: |
17 Greenwich Ave New York |
Cross street: | between Christopher and W 10th Sts |
Opening hours: | Mon-Thu 11am-7pm, Fri-Sat 11am-8pm, Sun noon-6pm |
Transport: | Subway: 1 to Christopher St–Sheridan Sq |


text:
More documents from Abásolo, Ignacio; Tsuchiya, Aki
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Understanding preference for egalitarian policies in health: Are age and sex determinants?
[journal article]
Abásolo, Ignacio; Tsuchiya, Aki
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Abstract | This paper presents an empirical assessment of the relevance of different factors when understanding preferences for outcome-egalitarian policies in health, in particular respondent age and sex. A representative sample of the Spanish population was interviewed (n=1,209). After being informed that those from the higher social class have longer life expectancy at birth than those from the lower social class, respondents were required to choose between two programmes: to increase life expectancy of the two groups by the same amount (the gdistribution neutral h programme); and to target the lowest social class group, thereby reducing current health inequalities (the gtargeting h or gegalitarian h programme). Two variants, one with and the other without visual aid, are used. Majority (69%) of respondents support targeting. An effect of age was observed, where younger and older individuals are less likely to target the egalitarian policy than those in middle age. However, individual fs sex was not associated with targeting behaviour. In addition, right-wingers or/and individuals living in a high per capita income region are less likely to target. On the other hand, neither individual fs education nor household income has a significant impact on targeting. Finally, regarding the two variants, results suggest that the visual aid is associated with less targeting. |
Document language | English |
Publication Year | 2008 |
Page/Pages | p. 2451-2461 |
Journal | Applied Economics, 40 (2008) 19 |
DOI | http://dx.doi.org/10.1080/00036840600993940 |
Status | Postprint; peer reviewed |
Licence | PEER Licence Agreement (applicable only to documents from PEER project) |


text:
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text:
instagram _burri
need fit pic of bball warmup...if it looks good and still up on the site later...maybe....was going to pull trigger on the all black jawn, but passing, supreme really has fallen off imo with this trash and seeing that cdg collab
if the site crashed on yall. you are too damn slow. was a shitty drop or else i coulda been in and out with the swiftness. speed it up kidsIf you didn't order, you don't get to talk.
Copped a pair of the eras in the smallest size for resell. KNOW YOUR HYPE!
G SHIT- http://hypebeast.com/forums/apparel/197260#3929239
Pass, but when the site was acting up did anyone else see the striped beanie up? That was the only "new" item listed for a minute, but couldn't click on anything. Then it eventually updated. Do want that teal colored striped beanie though.ye they took it downs
17000 ferrari
niggas copping vans for resell are straight stupid. theres cdg vans still out there no one buying. hope you like losing that moneyyYou only lose money if you dont resell during the hype. Best time to resell is right now, guaranteed money back and sum
My name is ASAC Schrader, and you can go fuck yourself.
FOR SALE---->Brand New Black Bling Hoodie Size L http://hypebeast.com/forums/apparel/203632
Eras were 108, i copped a pair.These were 114 the Sk8 Hi were 118 and authentics were (I think) 104How much?
There was the Liberty camps, tie dye tee, checkered pullover, denim campus jacket, big striped beanies cant remember anything else
Instagram: abdiasphotog
need fit pic of bball warmup...if it looks good and still up on the site later...maybe....agreed...the price was the only reason I hesitated. if it looks good on id cop
WTB: Dogs and Ducks Chore Jacket. Size Medium. Navy WTB: Dogs and Ducks Shirt. Size Medium. Navy
thisgrabbed a pair for resell, I can't believe any self respecting dude would wear those.trying to cash in on the hype as a lousy middleman is worse
The owls are not what they seem. Born again Based.
instagram _burri
**1/24/2014**: ALL OF MY SUPREME GOING DIRT CHEAP! tinyurl.com/SupremeBLOWOUT
I'm thinking about that courdoroy 5 panel....cop it.


text:
Online Banking Service Agreement and Disclosure Statement
By signing an application and enrollment form (the "Application") to subscribe to certain personal computer banking and related services offered by Shell Lake State Bank, as described in this Service Agreement and Disclosure Statement (this "Agreement") and as otherwise made available by the Bank from time to time (collectively, "Shell Lake State Bank's online banking service"), or by your initial access to Shell Lake State Bank's online banking service, and in consideration of our allowing you access to Shell Lake State Bank's online banking service, you agree to the terms and conditions of this Agreement. Each reference in this Agreement to the "Bank", "Shell Lake State Bank", "we", "us", or "our" refers to Shell Lake State Bank, and each reference to "you" and "your" refers to each depositor, borrower, authorized signer, or authorized user for an account (as defined below) who is now or hereafter enrolled in any one or more of the Shell Lake State Bank's online banking services with respect to the account. Each time you use Shell Lake State Bank's online banking service constitutes confirmation by you of your agreement to and understanding of the terms of this Agreement and any screens that appear on your computer when you sign on to Shell Lake State Bank's Web Site. This agreement will be effective as of the date of our acceptance of this Agreement as evidenced by our issuance of a PIN to you as provided in Section 3. Please read this Agreement carefully and keep it for future reference.
BROWSER SECURITY. Shell Lake State Bank's Online Banking transmits data Using SSL (Secure Socket Layer) technology that supports 128-bit key encryption. It is important to verify that a secure connection between your browser and the Online Banking server has been established before transmitting any confidential account information over the Internet. This can be verified by an indicator on your web browser. Netscape Navigator has a key symbol that appears in the lower left corner of the screen. When the symbol appears "solid" transmitted data is being encrypted. When this symbol appears "broken", a secure session has not been established. Similarly, Microsoft Internet Explorer has a lock symbol that appears when data is being encrypted. When this symbol does not appear, a session is not secure.
HOST SECURITY. Shell Lake State Bank's web server does not connect directly to the Internet. It is buffered from the Internet through the use of a firewall. All access from outside the bank must go through this firewall, which screens the requests and allows only valid http traffic to reach the server. Shell Lake State Bank's Online Banking makes use of an International Computer Security Association (ICSA) certified firewall.
LINKS. Links to non-Shell Lake State Bank websites contained in this site are offered only as pointers to sources of information on subjects that may be of interest to users of the Shell Lake State Bank website, and Shell Lake State Bank is not responsible for the content of such sites as we have no control over what is displayed there. Shell Lake State Bank does not guarantee the authenticity of documents at such sites, and links to non-Shell Lake State Bank sites do not imply any endorsement of or responsibility for the ideas, opinions, information, products, or services offered at such sites. Use of links to any non-Shell Lake State Bank site is solely at the user's own risk.
- Hardware and Software Requirements. To be able to use Shell Lake State Bank, you must provide your own personal computer (a "PC") with a modem and related equipment (the "Hardware"). You also must provide the type of telephone service and Internet access service required by the Hardware and/or the Software. Once the Hardware has been properly connected to the telephone service, and any required Internet access has been established, you will be able to access the Shell Lake State Bank online services through the Internet service provider (the "Service Provider") that will act as an interface between you and the Bank. You are and will remain solely responsible for the purchase, hook-up, installation, loading, operation and maintenance of the Hardware, the Software, the telephone service, and the Internet access service (if applicable) to your PC, and for all related costs. You are solely responsible for scanning the Hardware and the Software for computer viruses and other related problems before you use them.
The Accounts.
- Generally. You agree to use Shell Lake State Bank's online banking solely for the services described in this Agreement and designated by you in the Application or subsequently designated by you as provided in Section 5, and solely in connection with each deposit account (collectively, the "Deposit Accounts") and each loan account (collectively, the "Credit Account") held by the Bank and designated by you in the Application or subsequently designated by you as described below (collectively, the "Accounts"), except as otherwise expressly provided in this Agreement or as otherwise expressly permitted by us from time to time. Under this Agreement, there may be multiple accounts, and at least one (1) of the Deposit Accounts must be a checking account. You may add any account for which you, or all of you if more than one, are depositor, borrower, authorized signer, or authorized user by notifying the Bank or by visiting any Bank branch office. If you close or delete the only checking account designated for Shell Lake State Bank's online banking, you will no longer be able to use Shell Lake State Bank online banking service.
PIN; Confidentiality of PIN. All Shell Lake State Bank
online banking transactions or inquiries must be initiated by use of
your Shell Lake State Bank online banking personal identification number
(the "PIN"). We will assign you a user code and PIN after we
have accepted your Application. The first time you sign on Shell Lake
State Bank's online banking, you will be required to select a new user
code and PIN. You may change your PIN from time to time, as provided in
the Software. It is recommended that you do not use your social security
number, birthdays, names, or other codes that may be easy for others to
determine as your PIN. No Bank employee will ever ask for your PIN, nor
should you provide it to anyone unless you intend to allow that person
access to your accounts. YOU AGREE TO KEEP YOUR PIN CONFIDENTIAL. USE OF
BANK'S ONLINE BANKING. You agree that any Shell Lake State Bank online
transaction or request initiated by use of the PIN will be subject to
and governed by this Agreement.
If you authorize another person to use your PIN, that person can use Shell Lake State Bank's online to view any information or initiate any transaction on any of the accounts to the same extent as you, including viewing information or initiating transactions on accounts to which that person does not otherwise have access. As such, your sharing of your PIN is strongly discouraged by the Bank, and done at your sole risk and peril.
If a third party should gain access to your PIN, you alone are responsible for changing the PIN so as to deny the third party's access to your banking information. Given the electronic nature of these transactions, the Bank shall have no liability to you in the event a third party should gain access to your PIN through no fault of the Bank.
You should always exit Shell Lake State Bank online after you finish viewing your accounts. Never leave your computer unattended while accessing Shell Lake State Bank online. If you should, a third party may be able to access your accounts from your terminal, without ever needing to use your PIN.
- Business Days. Business days for the Bank and for Shell Lake State Bank online are Monday through Friday, excluding holidays. You may access the accounts through Shell Lake State Bank online 24 hours a day, seven days a week, except that Shell Lake State Bank may perform regular maintenance on our systems or equipment, which may result in errors or interrupted service. We may also find it necessary to occasionally change the scope of our services. Shell Lake State Bank cannot guarantee that we will be able to provide notice of such interruptions and changes, although we will attempt to provide such notice.
Online Services. You may use Shell Lake State Bank
online to perform any of the following services designated by you in the
Application or subsequently added by you as provided below:
- To transfer funds between any Deposit Accounts, such as checking, savings or money market deposit accounts;
- To transfer funds from any Deposit Account to pay a Loan Account
- To receive and download balance and transaction information for Shell Lake State Bank accounts; and
- To receive e-mail from and transmit e-mail to the Bank, all as described in this Agreement and the Software. You may sign up for or cancel any service by contacting Shell Lake State Bank. As used in this Agreement, the term "electronic fund transfer" has the meaning provided for that term in Regulation E and includes, without limitation, a bank transfer, as these terms are defined below.
- Transfers to and from Accounts.
- Deposit Accounts. You may use Shell Lake State Bank to initiate electronic fund transfers from one Deposit Account that is a checking, savings or money market deposit account to any other Deposit Account that is a checking, savings or money market deposit account, and to transfer funds from any Deposit Account to pay a Loan Account as provided in this Agreement. These types of transactions are referred to in this Agreement as "bank transfers".
- Authorization. You expressly authorize us to debit the appropriate Deposit Account in the amount of any bank transfer initiated through Shell Lake State Bank's online banking by you or by any other person who is authorized to use your PIN. You agree that we may treat any such bank transfer from a Deposit Account the same as a duly executed written withdrawal, transfer, or check and that we may treat any such bank transfer to a Deposit Account the same as a deposit, all in accordance with the terms of this Agreement and your deposit agreement(s) with us.
- Limitations. Your ability to initiate bank transfers between Deposit Accounts may be limited by federal law or by the terms of your deposit agreement with us. Bank transfers from Deposit Accounts that are savings or money market deposit accounts are limited as required by federal regulation. You agree that we may, without notice or other obligation to you, refuse to make any bank transfer for security reasons or as otherwise expressly provided in this Agreement or your deposit agreement with us.
- Time of bank transfers; posting; funds availability.
If you initiate a bank transfer of available funds on a business day,
the bank transfer will be posted to the Deposit Account on the same
business day. Transferred funds will be available for withdrawal on
any business day including the business day the bank transfer is
posted to the Deposit Account. Business days are defined as Monday
through Friday. Please refer to the following schedule for posting and
funds availability information (intervening holidays with alter this
If bank transfer is initiated before three (3) p.m. Central Time
Day Initiated Funds will be posted on: Funds will be available on: Monday Monday Monday Tuesday Tuesday Tuesday Wednesday Wednesday Wednesday Thursday Thursday Thursday Friday Friday Friday Saturday Saturday Monday Sunday Sunday Monday Except as expressly otherwise provided in this Section, transferred funds will be available for transfer and withdrawal as provided in our Schedule of Funds Availability (the "Schedule of Funds Availability"). The schedules provided in this Section are subject to the provisions of Section 15 and 16.
- Account Information. You may use Shell Lake State Bank's online banking to receive, download, and store or print information regarding an account that is routinely set forth in the statement for the Account, debits and credits made to the account, amounts and item numbers for items drawn on the account (if applicable), and the daily account balance (including interest credited to a Deposit Account and finance charges accrued on a Credit Account. All account information provided via Shell Lake State Bank's online banking will be current as of the end of the preceding business day, will not reflect bank transfers made since the end of the preceding business day, and is subject to further adjustment and correction. Because the information is made available to you is "raw data" furnished through the Service Provider and is subject to change, we cannot assure you of the accuracy or completeness of the information and expressly disclaim the same. You will still receive your usual periodic statement of account, and adjustments may have been made to your account in connection with the preparation of your statement.
- --
- Electronic Mail Service. You may use Shell Lake State Bank's online banking to send electronic mail ("e-mail") to us and to receive e-mail from us. The e-mail service may not be used to make bank transfers between accounts. E-mail transmitted by you to us via Shell Lake State Bank's online often will not be delivered to us immediately. If you need to contact us immediately to stop payment, to report an unauthorized use of your PIN, to report unauthorized access to an account, or for any other reason, you should call us at (715) 468-7858. We will not be responsible for acting on or responding to any e-mail request made through Shell Lake State Bank's online banking until we actually receive your e-mail message and have a reasonable opportunity to act. You should check your e-mail regularly; we will attempt to notify you by e-mail in the event of any technical difficulties or other occurrence that my affect your use of Shell Lake State Bank's online banking.
- Additional Service. We may, from time to time, make additional services available through Shell Lake State Bank's online banking. We will notify you of the availability and terms of these new services. By using these additional services when they become available, you agree to be bound by this Agreement and any additional instructions, procedures and terms provided to you with respect to each of these new services.
Fees and Charges. In consideration of our making the
Shell Lake State Bank online services available to you, at this time,
there are no fees for accessing the Online Banking Service. This does
not include regular fees associated with your bank accounts (if
applicable) as stated in your deposit agreements with us.
Access to the Shell Lake State Bank web site is furnished at no charge to the customer. There is no setup fee. Shell Lake State Bank has not instituted a charge for viewing your accounts, or Completing transfers to and from your individual accounts.
You will be solely responsible for all tariffs, duties, or taxes imposed by any government or governmental agency in connection with any transfer made pursuant to this Agreement and for all telephone charges, Internet access service charges, tools tariffs, and other costs for online sessions initiated by you. There may be other costs and charges associated with your accounts. Please refer to the service schedule for details.
- Errors and Adjustments. We agree to correct any error made in crediting or debiting any account by making the appropriate adjustment to your account balance. You agree to repay promptly any amount credited to your account in error, and you authorize us to initiate a debit transfer to any account to obtain payment of any erroneous credit.
- Account Reconciliation. The Deposit Account statements or other notices provided to you by us will notify you of (a) the execution of bank transfers and the debits to the Deposit Account made with respect to such bank transfers. You agree that we will not be required to provide any other notice to you of the execution of bank transfers or debits. You agree to promptly examine each statement for a Deposit Account and to promptly report any discrepancies between your records and the Deposit Account statements or any other notices mailed by the Bank to you, as provided in Section 17.
- Settlement of Obligations. To the fullest extent permitted by applicable law, you authorize us to obtain payment of your obligations to us under this Agreement from time to time by (a) initiating debit or credit transfers to any of the accounts or (b) deducting the payment from the amount of any bank transfer. Such obligations include, without limitation; fees owed to us and settlement for bank transfers initiated through Shell Lake State Bank's online banking. At the time any account is closed (whether by you, by us, or otherwise) or any Shell Lake State Bank online service is terminated (whether by you, by us, or otherwise), you agree that all such obligations will be immediately due and payable to us, and you authorize us to withhold the amount of any such obligations from any account. Debiting an account or deducting payment from the amount of any bank transfer is not the Bank's exclusive remedy under this or any other section of this Agreement, and the Bank will not be deemed to have made an election of remedies by making any such debit or deduction on any one or more occasions.
- Bank's Liability for Failure to Make or Stop Certain
Electronic Fund Transfers. If we do not complete an electronic fund
transfer to or from a Deposit Account in a reasonable amount of time or
in the correct amount according to our agreement with you, we will only
be liable for your direct losses or actual damages, except in the
following instances:
- If, through no fault of ours, you do not have enough money in the Deposit Account (or any linked account) to make the electronic fund transfer.
- If the electronic fund transfer would go over the credit limit on any check overdraft protection line of credit account linked to the Deposit Account.
- If you have not completely and properly followed the terms of this Agreement or instructions provided by the Software regarding how to make an electronic fund transfer.
- If any data or instruction transmitted via Shell Lake State Bank's online banking are inaccurate or incomplete.
- If you do not initiate an electronic fund transfer according to the time limits set forth in this Agreement
- If the electronic fund transfer has been transferred from the Deposit Account to a third party, including, without limitation, any third party through which payment is made and any payee or its financial institution.
- If the Hardware, the Software, the Service Provider, or any part of the Shell Lake State Bank's online system was not working properly and you knew about the breakdown when you started your electronic fund transfer.
- If circumstances beyond our control, such as an act of God, failure, delay, or error on the part of any third-party service provider (including, without limitation, the Service Provider, the United States Postal Service or any other delivery service), power outage, difficulty with telephone or cable lines or satellite communications, difficulty with any Hardware, the Software, or the Service Provider, computer virus or related problem, or cessation of the operation of the Service Provider or the arrangement between the Bank and the Service Provider, prevent or delay the electronic fund transfer, despite reasonable precautions that we have taken.
- If your funds are being held or frozen or are subject to legal proceedings.
- If the funds in the Deposit Account are unavailable (funds are only conditionally credited until they become available for withdrawal).
- If your PIN has been reported lost or stolen or if we have any other reason to believe that an electronic fund transfer may be erroneous or unauthorized.
- If you, any joint holder, or an authorized cosigner on a Deposit Account has requested that we stop payment of the electronic fund transfer.
- If you have exceeded the limitations on the number of withdrawals or transfers allowed during the statement period for the type of Deposit Account you have with us (e.g., certain types of savings accounts, including money market deposit accounts).
- If the Deposit Account has been closed.
- If we do not receive the necessary transfer information from you or any third party, or if such information is incomplete or erroneous when received by us.
- There may be other exceptions stated in this or any other applicable agreement that we may have with you.
- Limits on Bank's Liability. Our liability for electronic fund transfer made to or from Deposit Accounts is also governed by Sections 15 and 17. If any provision herein is inconsistent with any provision of Section 15 or Section 17 or any provision of applicable law that cannot be varied or waived by agreement, the provisions of those Sections or applicable law shall control. To the fullest extent permitted by applicable law, you agree that we will have no liability whatsoever for any loss, damage, or claim arising out of any delay or failure in the performance of any Shell Lake State Bank online service in accordance with the terms of this Agreement, including but not limited to, that resulting from our negligence. Our duties and responsibilities to you are strictly limited to those described in this Agreement, except with respect to any provisions of the law applying to electronic fund transfers that cannot be varied or waived by agreement. In no event will the Bank be liable for any consequential, special, or punitive damages or for any indirect loss that you may incur or suffer in connection with the service (even if the Bank has been informed of the possibility of such damages), including, without limitation, attorneys fees. The Service Provider is an independent contractor and not the Bank's agent. The Bank's sole duty shall be to exercise reasonable care in the initial selection of the Service Provider. YOU ACKNOWLEDGE THAT NO EXPRESS OR IMPLIED WARRANTY, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS OR A PARTICULAR PURPOSE, IS MADE BY THE BANK WITH RESPECT TO ANY SHELL LAKE STATE BANK ONLINE SERVICE OR THE SOFTWARE, AND THE BANK HEREBY DISCLAIMS ALL SUCH WARRANTIES. The only warranties are those provided by the licensor of the Software and set forth on the Software package. To the fullest extent permitted by applicable law, and without limiting the generality of the foregoing, the Bank shall not be liable at any time to you or any other person for any loss, charge, fee, penalty, expense or other damage resulting from any failure or delay of the performance of the bank's responsibilities under this Agreement which is caused or occasioned by any act or thing beyond the Bank's reasonable control, including, without limitation, legal restraint, interruption of transmission or communication facilities, equipment failure, electrical or computer failure, war, emergency conditions, acts of God, fire, storm, or other catastrophe, or inability to obtain or delay in obtaining wire services or Internet access, or refusal or delay by the Service Provider or another bank or financial institution to execute any bank transfer. In addition, the Bank shall be excused from any failure or delay in executing a bank transfer, if such execution would result in the violation of any applicable state or federal law, rule, regulation or guideline. To the fullest extent permitted by applicable law, you agree that the Bank shall not have any liability whatsoever for any loss caused by the act, error, or omission of you or any other person, including, without limitation, the Service provider, any Internet access service provider, any federal reserve bank or transmission or communications facility or any intermediary or receiving financial institution, and no such person shall be deemed the Bank's agent.
Your Liability for Unauthorized or Erroneous Transfers.
To the fullest extent permitted by applicable law, you agree to be
responsible for all unauthorized or erroneous transactions initiated
through Shell Lake State Bank's online banking. You have the
obligation to immediately notify the Bank if your PIN has been lost or
stolen, or if someone has transferred funds from your account through
Shell Lake State Bank online without your permission (or is
contemplating do so). The following provisions of this Section apply
only to your liability for unauthorized electronic fund transfers. An
"unauthorized electronic fund transfer" means an electronic
fund transfer from a Deposit Account that is initiated by another person
without your authority to initiate the electronic fund transfer(s) and
from which you receive no benefit. The term does not include any Shell
Lake State Bank online electronic fund transfer that is initiated by a
person to whom you furnished your PIN, unless you have notified us that
electronic fund transfers by that person are no longer authorized and we
have had reasonable opportunity to act on that notification. We may
require that the notice be in writing. You could lose all the money in
your Deposit Account, some or all of the money in any linked account, or
up to your maximum overdraft line of credit if you have a check
overdraft protection line of credit, if you fail or refuse to
immediately advise the Bank of the unauthorized use of your PIN. If your
statement shows electronic fund transfers that you did not make, tell us
at once. If you do not tell us within sixty (60) calendar days after the
statement was mailed to you, you shall not be entitled to assert a claim
against the Bank, nor be entitled to any damages from the Bank, as to
said unauthorized transfers. This sixty (60) day limitation is without
regard as to the standard of care exercised by the Bank. If you
believe your PIN has been lost or stolen or that someone has transferred
or may transfer money from a Deposit Account without your permission
call: (715) 468-7858
Or write:
Shell Lake State Bank
P.O. Box 130
Shell Lake, WI 54871-0130 - Rejection of Payment Orders; Overdrafts. You acknowledge that the Bank or the Service Provider may from time to time, in its sole discretion, reject any bank transfer request (any "payment order") or return any bank transfer (a) if there are insufficient or unavailable funds in the Deposit Account or the Deposit Account has been closed or is frozen, (b) if the payment order does not conform to the terms of this Agreement or the Software, or (c) if the payment order appears to be a duplicate, but neither the Bank nor the Service Provider is under any obligation to recognize that a payment is a duplicate and you should not rely on the Bank or the Service Provider to do so. If a payment order is rejected or a bank transfer is returned, either the Bank or the Service Provider will notify you and you will have the sole obligation to remake the payment order in accordance with the terms of this Agreement and the Software. The Bank or the Service Provider may from time to time, in its sole discretion and without any obligation to do so, execute any payment order or make any bank transfer even though an overdraft to the account results. To the extent permitted by applicable law, you agree that neither the Bank nor the Service Provider will have any liability whatsoever for refusing to accept any payment order or rejecting or returning any bank transfer. If an overdraft occurs in a Deposit Account, you agree to cause sufficient available funds to pay the amount of the overdraft to be deposited into or credited to the Deposit Account before the end of that business day. Any overdraft existing at the close of a business day is immediately due and payable without notice or demand.
Disclosure of Deposit Account Information to Third Parties.
You agree that we may from time to time disclose to third parties
information about your Deposit Account or the transactions that you make
through Shell Lake State Bank's online banking. We will disclose
information to third parties about your Deposit Account or the transfers
you make:
- Where it is necessary for completing bank transfers or providing any other service in connection with Shell Lake State Bank's online banking; or
- In order to verify the existence and condition of your Deposit Account for a third party, such as a credit bureau or merchant; or
- In order to comply with government agency or court orders; or
- If you give us your written permission.
- Other Agreements; Severability; Governing Law. The terms and conditions of this Agreement are cumulative with and in addition to any terms of the signature cards or account agreements for your Deposit Account(s), the applicable account disclosures, the Service Schedule, the Schedule of Funds Availability, the Bank's Electronic Fund Transfer Agreement and Disclosure Statement, the agreements governing the Credit Accounts, and the Application, all as may be amended from time to time. In the event of any conflict between this Agreement and the content of the Software or any related materials regarding the Bank's obligations to you, the terms of this Agreement will control. If any provision of this Agreement is unlawful or unenforceable, each such provision or writing will be without force and effect without thereby affecting any other provision hereof. No consumer protection provision of the federal Electronic Fund Transfer Act or Federal Reserve Board Regulation E is intended to be waived by you under this Agreement unless the waiver is permitted by law. The parties agree to be bound by the operating rules and guidelines of the National Automated Clearing House Association and the applicable local automated clearing house association as in effect from time to time with respect to all automated clearing house transfers made hereunder. This Agreement will be governed by the substantive laws of the United States, applicable federal regulations, and to the extent not inconsistent therewith, the laws of the state where our offices holding the account(s) is located, without regard to such state's rules regarding conflict of laws.
- Amendments. We may amend this Agreement from time to time. Each amendment will be effected by our mailing or otherwise delivering the amendment, revised agreement and/or notice thereof to you in accordance with applicable federal and state laws. If no federal or state law specifically governs the amendment, the amendment shall be effected by mailing or otherwise delivering it to you or positing it in our full-service branch offices at least 10 calendar days prior to the effective date of the amendment. Notwithstanding the foregoing and to the extent permitted by applicable law, we may change any term of this Agreement without prior notice or obligation to you: (a) if the Software or the Service Provider changes any term without providing us sufficient notice to enable us to properly notify you; (b) for security reasons; (c) to comply with applicable law; or (d) as otherwise expressly provided in this Agreement.
- Termination. You agree that we may cancel or restrict your use of Shell Lake State Bank's online banking or any Shell Lake State Bank's online service at any time upon such notice (including e-mail) as is reasonable under the circumstances. You may cancel Shell Lake State Bank online by written request to the Bank at any time
- Assignment. You may not assign all or any part of your rights or obligations under this Agreement without our prior express consent, which may be withheld in our sole discretion. We may assign or delegate all or any part of our rights or obligations under this Agreement, including, without limitation, the performance of the services described herein. This Agreement will be binding on and inure to the benefit of the successors and assigns of either party.
- No Third-Party Beneficiaries. This Agreement is for the benefit of you and the Bank and is not intended to grant, and shall not be construed as granting, any rights to or otherwise benefiting any other person, except as expressly otherwise provided in this Agreement.
- CHOICE OF FORUM AND JURY TRIAL WAIVER. In the event any litigation is instituted to enforce or interpret the terms of this Agreement, you agree that the exclusive forum therefore shall be the Circuit Court of Washburn County, Wisconsin. In the event that the Bank is the prevailing party, the Bank shall be entitled to reimbursement for all reasonable attorneys' fees and costs incurred including, but not limited to, those incurred incident to any appeal. YOU AND THE BANK HEREBY WAIVE THE RIGHT TO TRIAL BY JURY OF ALL DISPUTES, CONTROVERSIES AND CLAIMS BY, BETWEEN OR AGAINST EITHER YOU OR THE BANK WHETHER THE DISPUTE, CONTROVERSY OR CLAIM IS SUBMITTED TO ARBITRATION OR IS DECIDED BY A COURT.
OWNERSHIP of MATERIALS. The content and information on our site is the property of Shell Lake State Bank. It should not be duplicated or copied by any means.


text:
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29 • Sioux City, IA • Woman
I'm looking for
- Men
- Ages 20–36
- Near me
- Who are single
My details
- Last online
- Apr 12
- Orientation
- Straight
- Ethnicity
- White
- Height
- 5′ 4″ (1.63m)
- Body type
- A little extra
- Diet
- Anything
- Smokes
- No
- Drinks
- Socially
- Drugs
- Never
- Religion
- Christianity
- Sign
- Scorpio, and it's fun to think about
- Education
- Graduated from university
- Job
- Medicine
- Income
- —
- Status
- Single
- Type
- —
- Offspring
- Doesn't have kids, but wants them
- Pets
- —
- Speaks
- English
Similar Users
My self-summary
Write a little about yourself. Just a paragraph will do.
I'm outgoing, love having fun, work a whole lot, love my family and
friends unconditionally and I am a honest, trustworthy person. I
live alone in my own home. I visit my family often, they're a big
part of my life. I think that is very important to be close with
family and friends.
What I'm doing with my life
Don't overthink this one; tell us what you're doing day-to-day.
Busting my butt at St Lukes as a nurse in the OB helping deliver
new babies and take care of new mommies! I've also been traveling
as much as I can around the country with family and to visit
I'm really good at
Go on, brag a little (or a lot). We won't judge.
Taking care of babies and new moms. Making my family and friends
laugh! Decorating, scrap booking, mowing my own lawn (I'm pretty
proud of that!), playing cards, and I'm no master chef but I can
make a good meal!
The first things people usually notice about me
I'm an empty essay… fill me out!
Blue eyes and big smile!
Favorite books, movies, shows, music, and food
Help your potential matches find common interests.
I love to read a lot of different books. I like funny movies and
chick flicks :-) I like new and exciting shows, whether is on
discovery or abc. Music is what makes me happy a lot of the time. A
good song can bring you back to a moment that made you laugh, cry,
smile, or upset you. I'm an all american girl when it comes to
food. Nothing has to be too fancy but I do enjoy a well
prepared/seasoned meal!
The six things I could never do without
Think outside the box. Sometimes the little things can say a lot.
Family, my best friend, my god-son, music, fresh air
I spend a lot of time thinking about
Global warming, lunch, or your next vacation… it's all fair game.
What the future might hold...
On a typical Friday night I am
Netflix and takeout, or getting your party on — how do you let loose?
Hanging out with friends, watcing a movie, playing cards or
sleeping for my next shift (oh what fun!)
The most private thing I'm willing to admit
I'm an empty essay… fill me out!
That would spoil the fun if I told you!
You should message me if
Offer a few tips to help matches win you over.
You like new friends, good conversations, or just think I'm pretty!
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text:
- Antique Coffee Mills
- Antique Collection
- Apparel, Blankets, etc
- Bags, Pouches & Cases
- Binoculars & Scopes
- Bookshelf
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- Camera Collection
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- Kitchen/Glassware
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Products > Kitchen/Glassware > Beer Steins
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Gerz has been in the business of making quality beer steins in Germany since 1857. Back in the old days, they mostly made them for the breweries and taverns, but now for home use. Made in both glass and ceramic, with and without pewter lids. They're the premier maker of beer steins to this date. There are a lot of knock-off crap steins around, but these are the real thing. You'll love 'em!
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text: ACCT-801Course NumberACCT-801 Course NameGraduate Financial Accounting I Course Credits3.00 Description'Students learn the practice of financial accounting and reporting under USGAAP. They explore the measurement and reporting of various asset, liability, and equity accounts; measurement and reporting of revenue, expense and net income; and the presentation and interpretation of financial statements. Pronouncements of authoritative sources such as the SEC, AICPA and the FASB are also studied.Reference is made to accounting practices in othercountries and to pronouncements by the IASB.' |


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Focus Groups for NYC Runners!
What: Focus groups to discuss your running and media habits. This focus group is designed for individuals who are fitness runners, those who run less than 25 miles per week and purchase approximately 1 pair of running shoes per year
Additionally, you will complete a diary about your media habits. The diary will be completed for one day (either Wednesday September 24th or Saturday September 27th)
Incentive: A gift certificate for a free pair of running shoes (worth over $100) will be provided as an incentive to those who participate in the focus group and complete a diary. Food will also be served at the focus group
Where: The office of Zenith Optimedia (media agency) located at 375 Hudson Street, New York, NY 10014. 10^th ^Floor Boardroom
When: Monday, September 29th or Monday October 6th from 6:00-8:00pm
Focus group dates are first come, first serve, so to secure your spot and confirm your participation please reply back to email@example.com with your preferred date. Also, please include in the e-mail how many miles per week that you run and how many pairs of running shoes per year you purchase.
Additionally, the diary that you complete must be returned 1-2 business days after completion. To complete the diary you will need to print out a copy and return it by dropping it off at our Manhattan location or faxing it to 212-479-9423.
We hope to see you at the focus groups and we look forward to discussing your running interests!


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Sleepwalking is a tendency to wander during deep sleep. Sleepwalking most often occurs in children 4 to 15 years old. 15% of normal children sleepwalk.
While sleepwalking:
There is no known cause for sleepwalking. It tends to run in families and occurs more often in boys.
Your child will start sleepwalking 1 to 2 hours after going to sleep and may walk around for 5 to 20 minutes. Children will usually stop sleepwalking during adolescence.
First, steer your child into the bathroom because he may be looking for a place to urinate. Then guide him to his bedroom. He may stop once he's in bed. Don't expect to awaken him before he returns to normal sleep.
Although accidents are rare, they do happen, especially if the child wanders outside. Sleepwalkers can be hit by a car or bitten by a dog, or they may become lost. Put gates on your stairways and special locks on your outside doors (above your child's reach). Avoid having your child sleep in a bunk bed.
Fatigue and a lack of sleep can lead to more frequent sleepwalking, as well as night terrors. If your child needs to be awakened in the morning, that means he needs an earlier bedtime. Move lights-out time to 15 minutes earlier each night until your child can self-awaken in the morning.
If your child sleepwalks frequently, try to stop this distressing sleep pattern. For several nights, note how many minutes pass from the time your child falls asleep to the time he starts sleepwalking. Then on the following nights awaken your child 15 minutes before the time you expect him to start sleepwalking. Remind your child at bedtime that when you do this, his job is "to wake up fast." Keep your child fully awake for 5 minutes. Continue these prompted awakenings for 7 nights in a row. If your child starts sleepwalking again, repeat this seven-night training program.
This content is reviewed periodically and is subject to change as new health information becomes available. The information is intended to inform and educate and is not a replacement for medical evaluation, advice, diagnosis or treatment by a health care professional.
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We strongly encourage families to contact our hospital directly to schedule appointments and we request that patients bring relevant medical records and X-rays with them on their first visit.
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Sharing the adventure of writing and researching the story of Isaac Beckley Werner (1845-1895) homesteader, agriculturalist, inventor, journalist, scholar and political activist
Thursday, February 23, 2012
Isaac's Childhood Church
Isaac's childhood church is older than this nation. The first steps taken toward the erection of a church were in 1730 on land donated by George Hain. It was customary in those times to call the church by the name of the man donating the land, so Hain's Church it became, although the proper name was St. John's Reformed Church. The site of Hain's Church was a high hill, said to be the highest point in Lebanon Valley.
About thirty years after the first church was erected, a second church built of stone was erected in 1766. The American colonies were still ruled by Great Britain, and a stone plaque over the doorway read (translated from the German to English): "All who here go out and in / Should obey God and the King." The patriotic members of the church obliterated the word "King" when America fought to gain its independence.
In 1844, the year of Isaac and his twin brother Henry's births, the church was remodeled and the stone was plastered, the exterior painted to resemble brick, and in 1851 a belfry was added. In 1878, the year Isaac homesteaded in Kansas, the third church building was erected as a southern extension to the 1766 building. Today's beautiful red brick church with its towering steeple and its history told on the weathered gravestones of the surrounding cemetery still sits proudly on the hill donated by George Hain.
When we timidly entered the church we were welcomed by the staff, willing to help me with my research despite my interrupting their work and my failure to arrange our visit in advance. The 1816 History of St. John's (Hain's) Church they shared with me was a researcher's dream, with an entire chapter on the Werner Family. It also contained the baptismal records of Isaac and his siblings, records of Revolutionary War & Civil War Soldiers Buried at Hain's Church, the death record of Isaac's father William, and many other valuable chapters. As I continued my research, I found something even more amazing. I asked if there were any Werner members of the present church, and they introduced me to James Werner, Isaac's first cousin four times removed.
James came to the church and shared with me family pictures and letters, including several from Isaac's nephew Charles sent to his father Henry B. Werner, Isaac's twin brother. Included among these family treasures was the drawing of William & Rebecca's stone house, which I previously posted on November 4, 2011 in the post "Isaac's Birth & Childhood." Unbelievably, James even had a picture of Isaac's twin brother, Henry. I do not know if they were identical or fraternal twins, but that picture may be as close as I can come to knowing what Isaac looked like! James' generosity in sharing family documents was incredible, as was the kindness of the Hain's Church staff.
2 comments:
- Kim said...
It sounds as though you found a little bit of research "heaven" through the doors of this church and those associated with it!
- February 24, 2012 at 6:40 AM
- The Blog Fodder said...
That is so awesome to find his fourth cousin with information AND pictures. A treasure trove.
- February 24, 2012 at 2:27 PM
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Is "Chicken SOup" Too Sweet for Your Soul?
When you take the road less traveled, do you get lost? When bad things happen to other people, do you feel good? Do self-help books make you feel selfish and helpless? Congratulations, you're one of us. Welcome to the farthest side of reality -- and the first collection of stories sure to harden your heart and dampen your spirit.
Chicken Poop for the Soul
Here is the story of "Step-Mother Teresa" who turned an orphanage in Calcutta into a sweatshop...and "The True Meaning of Love," romance as seen from a stalker's point of view. Explore the positive side of feeling bad in "The Joys of Depression." Learn the code of the urban teacher who vows "I will never respond to a student's demands, no matter how outrageous, with the phase 'Over my dead body.'" Read the multimillion-dollar government study that discovered that the primary cause of anxiety in America is government studies. And, finally, learn the true secret of happiness.
Ruthlessly hilarious, this is the world's first "sinspirational" book, a guide absolutley guaranteed never to be a selection of Oprah's Book Club.
David Fisher has dedicated his life to eliminating hypocrisy at a profit. He is a man of intrigue and mystery. He is the author of the prize winning novella Conversations with my Cat, Hard Evidence: Inside th FBI's Sci-Crime Lab, /I> as well as the best-sellers Gracie with George Burns, The Empire Strikes Back with Ron Luciano, and the reference book What's What he lives in New York City with his fantasies.
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** Most Oversize orders are delivered within 1-4 weeks. Some orders may take 6 weeks to be delivered.


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Quality CareFind out why Mayo Clinic is the right place for your health care. Make an appointment.
Meet the StaffFind a directory of doctors and departments at all Mayo Clinic campuses. Visit now.
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Mayo Clinic Division of Engineering is organized into four major functional units, including:
The Electronics Development Unit applies skills in electrical and biomedical engineering as part of the Division of Engineering's multidisciplinary approach to developing unique devices and systems. Specific skills include:
The Software Development Unit designs, develops and tests software solutions for Division of Engineering projects. Specialty areas include:
The Project Management Team, a group of full-time project managers within the Division of Engineering, is responsible for all project oversight activities. Project managers have technical backgrounds in mechanical, electrical, or software engineering. Their responsibilities include the following:
The Biomechanical Development Unit applies skills in mechanical and biomedical engineering as part of the Division of Engineering's multidisciplinary approach to developing unique devices and systems. They provide:
The Mechanical Shop serves as a design, machining, and fabrication resource for the entire institution. Skilled machinists and tool/die makers design and build a complex range of products. The Shop's skill set includes:
The Scientific Glassblowing Shop designs and fabricates technical glass apparatuses for specialized needs. They also modify and restore existing glassware, to minimize replacement costs and decrease downtime.


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- Membership
- Publications
- Meetings
- Competitions
- Community
- Programs
- Students
- High School Teachers
- Faculty and Departments
- Underrepresented Groups
- MAA Awards
- MAA Grants
- News
- About MAA
The natural question that Amy asked, being a math historian, is "Did the Maya have a preference for one encoding over the other? In fact, were they even aware of this duality of their number system?'' Given the limited number of Mayan texts remaining, this question may never be answered. A by no means exhaustive survey, as well as conversations with Dr. Ed Barnhart of the Maya Exploration Center (see [8]), indicate that no Mayan numbers with an \(18\) or \(19\) in the second place appear on known monuments or documents. This makes sense when you think again of the world view of the Mayans. As noted at the beginning, these numbers are Long Count dates used on stelae and in codices to record significant events. It would make sense to record dates using the largest units of time possible. For example, it would seem natural to record a date as one Haab (rounded to 360 days) as opposed to 18 months of 20 days.
Finally, Amy is happy to conclude that Isabel's birthday, written as a Mayan number, is \(220.127.116.11.6,\) which is a unique expression! Could you imagine the hassles with the IRS if the expressions of our birth dates were not unique?
In conclusion, we would just like to say: regardless of the number system you use,
All Your Base Are Belong to Us.*
About the Authors
Pedro Freitas, of Lisbon, Portugal, and Amy Shell-Gellasch, originally from Birmingham, Michigan, became dear friends during graduate school at the University of Illinois at Chicago in the late 1990s. Pedro studies matrix theory and is a professor at the FCUL Universidade de Lisboa. Amy is a historian of mathematics and will join the Hood College faculty in September of 2012. During a visit by Pedro from Lisbon to Amy's home in Madison, Wisconsin in 2011, teaching math history came up in conversation. This led to the topic of different number bases, which in turn led to a comment by Pedro about the non-uniqueness of the Mayan numbers. This in turn led to several fun hours investigating all the implications of that and finally this article.
*Google it!
Pedro J. Freitas (Universidade de Lisboa) and Amy Shell-Gellasch (Beloit College), "When a Number System Loses Uniqueness: The Case of the Maya - Conclusion and About the Authors," Loci (June 2012), DOI:10.4169/loci003883


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2 Westside Articles
When it's cold, think of denim!
3 years ago 1Denim jackets may sound old school, but the best fashionistas make sure they flaunt these rugged beauties every once in a while We think it's an… Read Article ▶
Happy birthday, Giselle Monteiro!
3 years ago 2It's the Love Aaj Kal babe Harleen Kaur's birthday today and we wish her many many happy returns day Brazilian chick Giselle Monteiro won hearts… Read Article ▶
More Westside


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Two new solvent media options.
Kapco Graphic Products has introduced a new Solvent 13-oz Banner material, geared toward front-lit applications and billboards as well as promotional advertising and P-O-P. The banner material is compatible with solvent and mild-solvent inks, and is available in matte as well as gloss finishes. Can be sewn and grommeted. Sizes available: 38 x 90 and 54 x 90 in.
In addition, Kapco has added new Blockout Polyester Films for solvent printers to its roster. The new 6- and 12-mil Gloss and Matte films feature an anti-curl print surface as well as anti-static backing. The films are compatible with OEM solvent and mild-solvent inks, and are available in two widths: 36 x 50 and 36 x 100 in.
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yesterday was the cruise ship Costa Atlantica on the german port Rostock-Warnemuende. The weather was beautiful. I have here some picture from the ship: http://www.schiffgiganten.de/foren/atlantica/1.JPG http://www.schiffgiganten.de/foren/atlantica/2.JPG http://www.schiffgiganten.de/foren/atlantica/3.JPG http://www.schiffgiganten.de/foren/atlantica/4.JPG http://www.schiffgiganten.de/foren/atlantica/5.JPG http://www.schiffgiganten.de/foren/atlantica/6.JPG More picture can you find on my website: Gallery - Costa Atlantica I wish you a nice weekend, Patrick |
Thank you Patrick, as always fantastic pictures! I hope she'll come to the US. I've only been on the Mediterranea and Magica (the Carla and Daphne were from a very long time ago). I do hope to sail on Costa again, very soon!
thank you for the positive feedback. I think the Atlantica is this year in europe. Regards, Patrick |
All times are GMT -7. The time now is 01:49 AM. |


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Jeanette Hay, Eliza
(1865-1940) |
Jeanette Hay, Eliza 1 2
Noted events in her life were: Residence, 16 May 1910, , Atascosa, Texas, USA. 1 Eliza married James Monroe Stevens, son of William McDee Stevens and Sarah Ann Turpin, about 1881.1 (James Monroe Stevens was born on 5 Jan 1856 in , Atascosa, Texas, USA 1 3 and died on 11 Nov 1939 in , Atascosa, Texas, USA 3.) |
1 Year: 1910; Census Place: Justice Precinct 2, Atascosa, Texas; Roll: T624_1528; Page: 14A; Enumeration District: 2; Image: 741. (Ancestry.com. 1910 United States Federal Census [database on-line]. Provo, UT, USA: MyFamily.com, Inc., 2006. For details on the contents of the film numbers, visit the following NARA web page: Original data: United States of America, Bureau of the Census. Thirteenth Census of the United States, 1910. Washington, D.C.: National Archives and Records Administration, 1910. T624, 1,178 rolls.)
2 The Church of Jesus Christ of Latter-day Saints, International Genealogical Index(R) (Copyright (c) 1980, 2002), downloaded 17 Oct 2006.
3 Larry Bennett (Taken from the rootsweb.com website. Uploaded by Larry Bennett on 3 Sep 2006. email@example.com).
Not all documented as fact. Still a work in progress
Table of Contents | Surnames | Name List
This Web Site was Created 3 Jan 2007 with Legacy 6.0 from Millennia


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This Chesterfield sofa was first produced in the 1800's and the full range is available including a Queen Anne leather stool.
Our Designer
Another all time classic Chesterfield sofa, developed and designed in house by Darlings very own production team. The style dates back to the 18th century and is an epitome of fine British upholstery


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Staff Reporter
VISAKHAPATNAM: The Marine Fisheries Regulation and Management (MFRM) Bill (draft) and Traditional Marine and Coastal Fisher folk (Protection of Rights) Bill (draft) do not satisfy the aspirations of India's 1.1 million marine fishermen and a community of 3.5 million coastal people, said the president of Traditional Fish Workers Union T.K. Rahman.
At a meeting of the executive members of TFW from the three districts of Srikakulam, Vizianagaram and Visakhapatnam on Sunday, he said that the MFRM Bill also contradicts the Murari Committee's recommendations which had clearly stated that the traditional and small scale fishermen and their vessels were sufficient to exploit the resources in the Indian waters including the Exclusive Economic Zone (EEZ) and had ruled out the need for foreign fishing vessels.
Mr. Rahman, who is also an executive member of the National Fish workers Forum, had participated in the NFF agitation on the issue in Delhi last month. He said that it was feared that the bill would make a provision to open our waters to foreign fishing vessels. Traditional fishermen will not be able to go beyond the 12 nautical miles territorial waters without a license from the central authorities. Those who do so without permission could be fined Rs.9 lakhs and imprisoned up to three months.
He described the Traditional Marine and Coastal Fisher folk (protection of rights) Bill as a 'poor copy' of the Forest Rights Act as this Bill fails to take into consideration the ground realities of Indian coastal villages. He said that the NFF had demanded the bill be kept in abeyance till the coastal communities were consulted.
He said that the Union Minister for Agriculture Sharad Pawar had agreed to the demand for holding consultations with fishermen and other stakeholders.


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SERIES: State of Metropolitan America | Number 31 of 64 « Previous | Next »
Audrey Singer | May 10, 2011 9:32am
With President Obama in El Paso today to talk immigration and border security, I've taken New York Mayor Michael Bloomberg's op-ed that appeared last week in the Wall Street Journal and rearranged selected parts into a poem. All words are still his. Like Emma Lazarus's poem, "The New Colossus," at the base of the Statue of Liberty, this one acknowledges the important role immigrants have in the identity of the United States and urges a welcoming stance on immigration. This poem, however, is designed to fit better with the economic moment and offers some immediate policy solutions.
An Ode to Immigration
In the global economy, the countries that attractThe world's best, brightest and hardest-working will grow and succeed.Those that refuse them entry will not.America has long understood this.
Our global competitors understandHow crucial immigrants are to economic growth.
They roll out the red carpet for entrepreneurs;We have no entrepreneur visa.
They heavily recruit our advanced-degree students;We educate them and send them home.They woo the engineers, scientists and other skilled professionalsWho invent new products, launch product lines,And develop the technology of tomorrow;We erect arbitrary senseless and bureaucratic barriers to recruitment.But a new consensus on immigration reform has emergedIn the business communityThat could break the logjamAnd provide a much-needed jolt to our economy.
The idea is simple:Reform the way we attract and keepTalented and hard-working people from abroadTo better promote economic growth.We[1] believe in the need to secure our borders,Make it possible to hold businesses accountableFor verifying the status of workers,Address the reality that 11 million people are here illegallyAnd cannot be deported en masse—And increase lawful opportunities for thoseWho want to come to this country and contribute to our prosperity.
Nevertheless, our nation cannot afford to waitFor Washington to get its act togetherAnd pass comprehensive immigration reform. There is too much at stake.Our economy demands that we takeImmediate action on the most urgent—and politically attainable—reform:Making it easier for job creators to come and stay here.Creating a visa for entrepreneurs Who already have funding to start their businessesWill lead directly and immediatelyTo American jobs.
Visa reforms to improveTemporary and permanent pathways for companies…Will spur growthAt existing US companies.
Providing visas to the brightestForeign graduates of our universitiesWill allow our economyTo reap the rewards of their work.Allowing immigrants who succeed in college, or serve in our military,The chance to pursue a careerAnd build their lives here legallyWill strengthen the long-term health of the American economy.
Finally, developing a reliable wayFor employers to hire guest workersWill help support U.S. businessesAnd create additional better-paying American jobs.
Those who focus on where the parties differ on immigration,Rather than where they both agree,Have paralyzed the debate in WashingtonFor far too long.Leaders of both parties talk about creating jobs,But they are ignoring the voices of business leadersWho can actually create themIf only Congress would give them the tools.
[1] The Partnership for a New American Economy, for which Mayor Bloomberg is a co-chair, is a group of over 200 "Republican, Democratic and Independent mayors and business leaders united in making the economic case for streamlining, modernizing and rationalizing" the immigration system.
Audrey Singer
Senior Fellow, Metropolitan Policy Program
More Posts from Audrey > | View Expert Page >
More from State of Metropolitan America Series
Melting Pot Cities and Suburbs: Racial and Ethnic Change in Metro America in the 2000s
President Barack Obama's Immigration Smorgasbord
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