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Ocean's Eleven OST – David Holmeshttp://www.youtube.com/watch?v=ROqMpxT6roA
Amelie OST by Yann Tiersen
My all time favourite
Hans Zimmer – Gladiator soundtrack, is pretty awesome. That goes for a lot of Zimmer work, fantastic composer (Inception, Dark Knight etc…)
A little old skool, but the Blade Runner soundtrack by Vangelis is pretty special too!
I have many awesome film soundtracks of the last 100 years for all kinds of film genres, but last week I saw Man of Steel and it's certainly one of the best of 2013 as far as action/thriller goes.
Hans Zimmer simply did it again. It was refreshing to hear a properly evolved TDK-style OST, unlike the BB/TDK ripoffs everyone everywhere has been making ever since BB and TDK came out.
there are so many great ones… try exdrummer soundtrack:Millionaire – Mongoloid http://youtu.be/eo_MZEPRDVs (devo cover)
or scott prilgrim vs. the world: http://youtu.be/2gk4OglvB-o really great movie + soundtrack!
Dark Knight – Hans Zimmer. Amazingly creative score.
All time favorite: Natural Born Killers
Favorite song from soundtrack:http://www.youtube.com/watch?v=WAGAoy5WZWY
Just amazing work on that soundtrack.
One of my favourites is Superbad by Lyle Workman. SO DAMN FUNKY!
Here's a cool track from it: http://www.youtube.com/watch?v=c9cxAz0JZHo
Assassin's Creed II – by Jesper Kyd
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ODT Online
ODT /directory
South Canterbury's Hunter Downs irrigation scheme continues
to make progress.
Andrew Fraser, chairman of the company behind the project,
said the capital-raising offer had received ''an excellent
response''. There have been 27,390 shares issued to 151
shareholders, mostly within the potential scheme area - some
60,000ha from Waimate to Otipua.
Hunter Downs Irrigation Ltd has been paid $25 a share as the
first instalment of a $200-per-share total. The offer has
raised more than $680,000 already, which will rise to $5.4
million once all instalments are collected.
Mr Fraser said the first $25 was what the company needed for
the project's next phase, pre-construction work. It also had
contributions from the Ministry for Primary Industries and
Meridian Energy.
''We are heartened by the clear support from the community to
back the project going to the next stage,'' he said.
''This will determine the scheme's viability from a technical
and economic perspective.''
Shareholders and the wider community would be kept informed
during the next two years.
''Future instalment payments two and three will be called if
this initial work confirms a viable scheme,'' Mr Fraser said.
''These payments, up to $200 per share, will provide the
funds for further consenting, land access, constructor
procurement and construction.''
Shareholders included the Timaru and Waimate District
Councils, whose participation as non-landowning shareholders
gave the scheme wide community input, he said.
''With this positive financial support from the region, and
from Meridian, Hunter Downs Development Company Ltd can now
work to finalise the further funding from the Ministry for
Primary Industries' Irrigation Acceleration Fund.''
The scheme has consent to take and use up to 20.5cumecs from
the Waitaki River. If it is shown to be viable, construction
is expected to start late in 2016 and water could be
delivered from the beginning of the 2018-19 season.
- by Sally Brooker
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About Schools in Aspermont, TX
Contact a Coldwell Banker® real estate agent to learn more about the schools and school districts in Aspermont, TX.FIND AN AGENT
Aspermont, Texas is located in Stonewall County. Nearby cities and towns include Hamlin, Rule, Jayton, Rotan, and Rochester. Aspermont is a rural community with a population of 950. The median household income is $48,570. In Aspermont, 55% of residents are married, and families with children reside in 24% of the households. Half the population of Aspermont commutes 9 minutes or less to work, with 66% of residents holding white collar jobs and 34% residents holding blue collar jobs. The median age of homes in Aspermont, TX is 39 years, with 53% of those homes owned, 21% rented, and 26% not occupied.
Contact a Coldwell Banker® real estate agent to learn more about the schools and school districts in Aspermont, TX.FIND AN AGENT
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As a young man growing up in rural Western North Carolina, my parents and grandparents raised me to believe that making money via righteous and industrious means was actually a good thing, something to aspire to. Remember that notion? My folks would point out people in the community who worked really hard and got rewarded for the goods and/or services they provided. Whether business owners or hourly employees, there was something to be said for being self-sufficient or, as we called it, making an honest living. It was a matter of pride and depending on the government for anything was ...
Don't depend on government
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Hard Target Review
Gideon Davis must enlist the help of his brother Tillman to infiltrate an American terrorist group with plans to bring down the U.S.government.
Hard-Boiled Crime Fiction
During the 1920's and early 1930's, the United States experienced the Wall Street crash, the rise of Al Capone and the mob, prohibition, and the beginning of the Great Depression. The mystery stories of the time reflected the reality of life in America with the rise of the hard-boiled genre.
Heartshot Review
When five teens are killed in a tragic car accident, Posadas County Undersheriff Bill Gastner quickly realizes there may be more to the tragedy than first thought when cocaine is found in the wreck.
Hercule Poirot
One of the most famous characters in all of detective and crime history was also Dame Agatha Christie's greatest creation. Read Hercule Poirot's amazing story.
Hercule Poirot - Friends and Associates
Hercule Poirot gathered a number of friends and associates during his illustrious career. Find out who was loyal to the end.
Hidden Doors, Secret Rooms Review
John Mills rescues Jillian Braedon from near death when she is buried in a snow bank while running for her life. When he brings her into his home to help her recover, he has no idea the life threatening challenges he will face.
History of Classic Crime
The classic mystery and crime story began with the famous The Murders in the Rue Morgue by Edgar Allan Poe. Read this interesting account to find out who else was instrumental for this enduring and popular genre.
Holiday Buzz Review
In the midst of the Great New York Cookie Swap, Clare Cosi feels compelled to find out who is killing off assistant bakers.
Holiday Grind Review
When Santa fails to show at the latte tasting party he inspired, Clare Cosi heads out into a snowstorm only to find him gunned down in a nearby alley. Who killed Santa, and why was he on someone's naughty list?
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While China Bayles prepares for Christmas and continues to get used to the addition of her niece to the family, an ill wind blows Brian's mom into the mix. China and Mike reluctantly get involved when danger and bodies hit too close to home.
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Ever since its release, we've been focusing pretty closely on iPhone 5 accessories on the Pure Mobile blog. But with today's accessory of the week, we're narrowing things down even further, with a closer look at one of the most practical accessory trends out there — wallet cases. And at the center of that today is the latest such accessory from Incipio, the Stashback iPhone 5 Case.
Now, there are a few ways to go about designing a wallet-style iPhone 5 case. Most common is a folio, with a cover that opens to reveal interior compartments or slots for cards and cash.
But for those who prefer a more traditional style of iphone 5 accessory, yet still want a handy way to consolidate phone, cash and cards, Incipio's Stashback offers up a great new way to get the best of both worlds.
Designed as a classic hard-shell carrying case, the Stashback features an exterior compartment that conveniently flips open for storing or retrieving cash cards and more.
And though that puts the Stashback squarely within the category of wallet-style iPhone 5 accessories, Incipio has made extra effort to to make the Stashback a great carrying case in its own right.
Combining a rigid Plextonium frame with a semi-rigid NGP soft shell core, the Stashback is specifically designed to resist impact, shocks, jolts, vibrations and drops. That alone makes for a pretty rugged iPhone 5 case.
But add that to the convenience of integrating a wallet right into your phone case, and you've got a winning iPhone 5 accessory on your hands. To be sure, we can usually count on Incipio to offer up a great product, in terms of both protection and functionality. And the company certainly lives up to its own standards with the Stashback iPhone 5 case.


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+ - NASA to crash twin spacecraft into the moon this afternoon.->
Link to Original Source
Another expense might be making the GRAIL orbiters dual-string (duplicate almost everything on a single orbiter, two main computers, two batteries, etc). According to http://moon.mit.edu/spacecraft.html GRAIL is single-string because that matches the mission reliability requirements.
Also - I was on the GRAIL development team and I'm currently working GRAIL mission operations, so I'd also be employed for a little while longer if we repeated this experiment at Mars.
As OP explicitly said C++, I have to wonder, are they looking for an Object Oriented type of framework? If so, GLUT doesn't fit the bill, it's a pure C, function callback oriented framework. It could be used in an OO like manner, but it isn't OO itself.
The only OO framework I've found for use with OpenGL is FLTK, but my experience with OpenGL is quite limited. What other OO frameworks are available and worth the effort to learn?
If you can get to an ER in less time then the Ambulance would take to arrive you are ahead of the game anyhow.
Definitely not true. A stroke victim that goes to the wrong hospital (handling a stroke requires a special set of equipment and skills that not every hospital has) will have to wait for EMS to transport them to the right hospital. Now they've got the time it takes to transport them to the wrong hospital as well as the time it takes to transport them again to the right hospital working against them.
That's typically true no matter where you live. Emergency response times suck universally.
Citation? I've been in a couple automobile accidents and EMS was present within a few minutes. All depends on where you live.
If you can safely move the person you call 911 and start driving. The ambulance can meat you halfway if things are that bad.
Interesting, don't know if it's done or how EMS responds to this.
Yes, I know how expensive an ambulance ride is. It's all absurdly priced, but I guess you avoid the whole billing issue if you die before you even get there. This approach does come with its own set of drawbacks...
It's all a calculated risk, one way or the other. Most people don't understand all of the reasons for taking the ambulance, and so make this decision without all of the info.
Fair enough. Perhaps I should have said call 911 instead of an ambulance. Still might not address your point, and unfortunately I don't know the answer to your question...
This is definitely something to consider if you have the choice on where to live (I recognize that a number of people don't have that choice). I still picked a rural area.
That's what "Medical Charts" are for. Used to be every patient had a chart on a clipboard at the end of the bed.
Until the hospital is fined/sued for violating the patient's rights under HIPPA by leaving their medical records our for all to see...
I'll readily admit that storing the records in a computer isn't much safer, but it's less visible to most people.
I could be wrong, (and I don't know much about mailman) but...
The lock being left behind is generally a file that mailman has created in the file system. Once the file is created, the kernel has no business deleting it. It should close the file and reclaim the file handle when mailman closes, but it shouldn't delete the file. Ideally, mailman would create the file in a section of the file system that is cleared on reboot (/tmp?), so this wouldn't be a problem...
Top Ten Things Overheard At The ANSI C Draft Committee Meetings: (2) Thank you for your generous donation, Mr. Wirth.


text:
The Return of the Giant NYC Dance Club
By Steve Weinstein
July 4, 1976 Was a Ramones-less Weekend in NYC
By Bryan Bierman
LIVE REVIEW: Karen O at McKittrick Hotel
By Lindsey Rhoades
Remembering Dee Dee Ramone's Rap Album
By Chaz Kangas
Meet Lady Casa, America's Most Famous Raver
By Ben Westhoff and Sarah Purkrabek
Ridiculous Kanye West-isms, In Illustrated Form
By Jena Ardell
Casting Martin Scorsese's New Ramones Movie
By Jesse Sendejas Jr.
A Tour Around Ace Frehley's Bronx
By Katherine Turman
Without Allen's grant, I clearly would never have heard some of these folks. But although Boeing kicked in for this year's performance-reception, who knows whether support will continue? "Fine art" museums, like opera companies, assume moneybags will put their trust funds where their cultural self-interest is. Pop musiceven at the Rock and Roll Hall of Fame, a promotional device of unabashed utilityis expected to pay its own way. Bless Paul Allen, but that was seed money. Since 2002, EMP has cut its workforce in half and devoted part of Gehry's guitar to sci-fi. And of course, that's how ultra-right hypercapitalism conceives the former public sector. The humanization of scholarship, as opposed to the subsidization of ideological hegemony, is for pansies.
There was too much masquerade on the performance program to suit my straight tastes, although you should catch drag queen Dina Martina in Provincetown this summer. But when sly Chicano Elvis imitator El Vez closed while flashing Bush's sins on a back screen, I said amen.
Sponsor Content


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Discount Shirts - MensSave on Men's Discount Shirts at Proboardshop.com! Great selection of street gear at unbelievably low prices. Proboardshop has been selling Discount Shirts and outdoor gear for over 30 years and we're proud of it.
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1979 1C MS68 Red PCGS....
2012 May 30- June 3 US Coins Signature Auction- Long Beach #1171
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Long Beach Convention Center
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|Printable auction results for all items in the 2012 May 30- June 3 US Coins Signature Auction- Long Beach.
1979 Lincoln Cent, MS68 Red1979 1C MS68 Red PCGS. The Philadelphia Mint coined six billion Lincoln cents in 1979, yet only five pieces have been similarly certified at PCGS (4/12), or one coin for every 1.2 billion pieces minted. This glowing orange Superb Gem has bold design motifs with frosty luster and sensational eye appeal. It is destined for the finest collection.(Registry values: P1) (NGC ID# 22HD, PCGS# 2995)
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My Point
33% price increase for a simple dressing
MY son had an ingrown toe nail so we have been going to KK Women's and Children's Hospital (KKH) regularly.
A simple dressing would cost me $15 on each visit. However, during a visit this month, the same dressing cost me $20 - a 33.3 per cent increase.
I wrote to KKH and it has contacted me to explain that it had tried to contain costs as far as possible.
I concur with this aim but I cannot comprehend the rationale behind such a steep increase. And I wonder what would be the percentage increase in other procedures?
Tan Su Peng (Ms)
It's an animal part, not a herb
I NOTICED that pangolin scale was listed among the various herbs recommended to help breastfeeding mothers ("Herbs for breastfeeding mums"; Mind Your Body, last Thursday).
This is not a herb but a part of an endangered animal and ought to be viewed in the same manner as a bear's paw, a tiger's penis or a rhino's horn.
The scale may be only a small part of the pangolin but the whole animal is killed in order to harvest the scales.
The consumption of parts of an endangered animal should be discouraged.
Carol Lim Starke (Mrs)
Customs video's overlong spiel on taxable items
ON A Thai Airways flight approaching Changi Airport on Nov 16, a video message from Singapore Customs was broadcast on the plane's inflight entertainment system.
Instead of presenting brief messages about the penalties for drug or smuggling offences, the video rambled on in great detail about duty-free allowances for travellers and warned of the penalties for not declaring goods properly.
It seems to suggest that the Singapore Customs was solely focused on raising customs revenue, and creates a bad first impression of Singapore.
The Singapore Customs should withdraw or make changes to the video immediately.
Ang Chee Chien


text:
Joaquin Garcia was arrested and charged with battery upon a health care worker.
Looking for a way to trim belly fat? Check out our list of 10 foods that can help and 10 foods that may add to the problem.
Tour this 7 bedroom, 7 bathroom and 2 half bathroom mansion featured on Realtor.com (all photos courtesy Realtor.com).
Parts of Houston saw more than 11 inches of rain Monday and Tuesday.


text:
Unmanned Vehicles by 2020? That is what Nissan, Asia's first manufacturer to announce plans to put driverless cars into production, hopes to do. This may result in a reduction in pollution, travelling time and even road fatalities. However, is Nissan being overly ambitious? Google does not think so as they have clocked thousands of miles with their own driverless vehicles and aims to partner with an automaker by 2017. Technology is available, but piecing it together will be a challenge.
Nissan plans driverless cars by 2020
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Super comfy and doesnt hurt your head. They are thin and not bulky headbands. I love them and would get every color. good pick


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Teak Decks
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Re: Teak Decks
Thanks for your reply. The information you gave is clear and concise. We have been looking at several boats with and without teak decks, and this one is in probably in the best condition of boats in this age group that we have seen. We do intend to due our due diligence though, as you have suggested. I guess we are unsure of exactly how labor intensive the outside teak would be. We just don't want to bite off more than we can chew. Thanks again for the reply.
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At Las Vegas Recovery Center (LVRC), we are deeply committed to our clients' recovery. As a nationally recognized provider of chronic pain treatment and addiction rehabilitation programs, we are passionate about helping the increasing amount of people who suffer from both addiction and co-occurring chronic pain. Our philosophy is grounded in clinical excellence and customer service, and our primary purpose is to facilitate recovery for our clients.
With the advent of easy access to new and powerful pain medications, many sufferers of chronic pain find themselves trapped in a cycle of dependency. In medically pursuing alleviation for pain, they find that they need higher doses more often, leading them in a spiraling inability to successfully control the pain. This is where our recovery center in Las Vegas can help.
Because pain and its alleviation become paramount to the sufferer's experience—and because as addiction takes hold, acquiring and consuming medication begins to take priority in one's life—the individual is often overwhelmed by the intractability of his or her circumstances. Since both pain and pain medications affect cognitive function, simple and essential tasks become increasingly difficult for the individual to complete to the point that the task is no longer worth doing. Pain and drug dependency each have a tendency to isolate an individual and, when combined, often bring about devastating loneliness, depression, and hopelessness.
LVRC offers recovery in Las Vegas, bringing our combined expertise to both chronic pain and addiction. Not only do we offer highly credentialed management and staff, but many, including our Chief Executive Officer, Johanna O'Flaherty, PhD and our nationally renowned Medical Director, Mel Pohl, MD, FASAM, are in long-term recovery themselves. This enables us to bring the added vital dimension of identification and direct experience when engaging and caring for our clients.
When you are admitted to our recovery center in Las Vegas, you will have already taken a crucial first step in your recovery. In addition to helping clients pursue successful pain recovery, we also offer addiction treatment for alcoholism and other drug dependencies that also factor pain recovery as part of the solution.
Our revolutionary approach to chronic pain treatment, led by Medical Director Mel Pohl, an award-winning doctor and author, is geared toward reducing pain levels and increasing function in our clients without the use of opiates. We are pleased to announce nearly ten years of success with our approach.
Our addiction treatment program combines a strong foundation in twelve-step work with evidence-based approaches that dovetail with twelve-step principles. Together, these have repeatedly pulled our clients out of the quicksand of addiction and given them a new sense of purpose, confidence, and freedom.
Whether you have successfully managed your medication and only require recovery for your chronic pain issues, or you find yourself in the trap of drug dependency outside of co-occurring chronic pain, Las Vegas Recovery Center has a treatment program that will help you find new freedom and happiness. The simple step of admitting that you need help is a powerful beginning on the road to your new life.
Las Vegas Recovery Center of Las Vegas, Nevada has been chosen as a "Top Pick Treatment Center" by theravive.com a network of mental health practitioners representing thousands of credentialed therapists and psychologists. Theravive's mission is to facilitate a rapid connection between an individual in need of help and qualified therapists who can provide counseling.
Dr. Mel Pohl, Medical Director and Vice President of Medical Affairs at Las Vegas Recovery Center, will join other professionals i
Chronic non-cancer pain affects millions of people nationwide, making it a vital topic of ongoing conversation among health care p
Not much has been said about Jon Hamm's recent stint in rehab, least of all by the "Mad Men" star himself. Asking for privac


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Alex & Ani
Set of 3 Hematite & Lime Bangle Bracelets
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- green
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Please select a size.
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Description: Set of three recycled brass with Hematite finish bangle bracelets with lime bead details
- Adjustable
Measurements: 2½" in diameter, whole set measures ¾" wide
Material: Recycled brass with Hematite finish
Brand: Alex & Ani
Origin: United States


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AMC released the first Breaking Bad finale promos today. Jeeze, look at that wisp of smoke. Look at it! This is the first indication that the network will torture the crap out of us for two months over the final episodes. They've got us all in a frenzy over little bit of smoke, BECAUSE THEY CAN.
We've been staring at it for an hour now. Seriously. Like an album cover from the mid-70s or 3D mall art from the 90s. Are there hidden messages in it? Are there spoilers? Anything? No. There's nothing. It's just a puff of smoke. Now we're going to spend the rest of the day wondering what kind of smoke that is. It could be the charred remains of someone important. It could be the fog of a one-man Walter White war. Maybe, it's Hank Schrader's ire.
Meth? It's probably meth. The series finales start on August 11th, and until then: Damn you AMC, damn you.


text:
Students at schools for science, technology, engineering and math should embrace the unique aspects of an education focused on those subjects, suggests Jeffrey Lewis, principal of Dayton Regional STEM School. "The students who do the best here are the ones that are excited about learning and want to be part of something different," Lewis writes. He also stresses the importance of partnering with local businesses that can help with career expos, shadowing and internship opportunities, guest speakers and other needs of the school.
View Full Article in:American City Business Journals
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if anyone have stock roms for the grand x please could you post them on this forum so we can make a list so people can flash them just in case anyone bricks there phone or want to return the grand x to stock.hopefully there should be some out there.you if have (or have links to get the ROMS) please post here thanks.
Grand X stock ROMS
Started by sam tyler , Mar 06 2013 08:57 AM
Posted 06 March 2013 - 08:57 AM
- 0
Hello?could someone help me with my dead ZTE Blade? as i`m trapped in 1973!
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SBP wants Douthit-led cadet squad in SEAG
The Samahang Basketbol ng Pilipinas said yesterday that Marcus Douthit could be tabbed for one more tour of duty this year: the Burma (Myanmar) Southeast Asian Games from Dec. 11 to 22.
"We're looking at sending the cadet team together with Marcus as reinforcement," said Samahang Basketbol ng Pilipinas executive director Sonny Barrios.
Douthit was a main cog of the Gilas Pilipinas team that pocketed the silver medal in the recent 27th Fiba Asia Championship, where the Philippines booked one of three continental tickets at stake for 2014 Fiba World Cup.
"The cadet team with Marcus will be very competitive," said Barrios.
According to Barrios, the chances adding PBA players to the mix are slim.
The former PBA commissioner explained that the commitment of the league has always been to help the national team on the Asian level or global scale and not in the biennial meet where the country always brings home the gold medal.
Philippine Sports Commission chair Richie Garcia wants PBA players forming the core of the SEA Games team.
Douthit also played with the cadet team that won the gold in the 2011 SEAG in Indonesia.
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Office Cleaning in Clarinda 3169
We are local to the Clarinda 3169 area, that means we know the lay out and can be trusted to arrive on top and organised for every cleaning appointment you need us for, anytime of the week that suits you. We know the ins and outs of commercial cleaning, we know how to clean but we also know how to make sure a work space stays clean. In short, we are a service you can trust to keep your workplace spick and span as well as healthy.
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Buffalo Bills cut CB Justin Rogers
The Buffalo Bills have released third-year cornerback Justin Rogers.
The move was announced Tuesday with Buffalo (4-7) entering its bye weekend off.
Rogers opened the season filling in for injured starter Stephon Gilmore, who missed the first five games with a broken hand. Rogers struggled in coverage and was burned for two deep touchdown passes in a 27-20 loss at the New York Jets on Sept. 22.
The 2011 seventh-round draft pick out of Richmond was inactive for the past six games following Gilmore's return.
The Bills also shuffled their practice squad. Buffalo signed defensive back Mario Butler and released defensive back Johnny Adams.
Butler is a Georgia Tech product who has spent parts of the past two seasons on the Dallas Cowboys and Denver Broncos practice squads.
AP NFL website: www.pro32.ap.org
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NFL Headlines
NFL Insiders: Dolphins name Dennis Hickey new general manager
Carroll: Seahawks CB Richard Sherman sorry about postgame rant
Browns to interview Bills' Pettine with Broncos' Gase out of running
NFL talking to 49ers about sideline hit vs Seahawks in NFC title game
Falcons hire former Chiefs GM Pioli as assistant general manager


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Rates not available for the specified zip code
Home equity loans are available only for single-family primary residences, and owner-occupied second homes, townhouses or duplexes within the states of AL, AR, GA, FL, DC, MD, MS, NC, SC, TN, VA, and WVA. SunTrust must be in a valid second-lien position. Exclusions and limitations apply. Property insurance is required, and if applicable, flood insurance will be required.
1The lowest APR listed includes a 0.25% interest rate reduction obtained if payment is automatically deducted from a SunTrust checking, savings or money market account using SurePaySM. Offer and rates for new and refinanced consumer home equity loans and lines of credit are subject to change without notice. Relationship discounts are not available on existing consumer loans or lines of credit and may not be applicable for all products. Consult your banker for details. The maximum APR is 18% for properties located in AL, AR, GA, FL, DC, MD, MS, SC, TN, VA and WVA. The maximum APR is 16% for properties located in NC.
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SunTrust Bank is an Equal Housing Lender. Member FDIC.
Equal Housing Lender. SunTrust Mortgage, Inc.
SunTrust, SunTrust Mortgage, SunTrust Mobile Banking, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Fund Select, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and Sure Pay are federally registered service marks of SunTrust Banks, Inc. SunTrust SummitView are service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.
Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products, including investment advisory products and services, are provided by SunTrust Bank, member FDIC; securities, insurance (including annuities), and other investment products and services are provided by SunTrust Investment Services, Inc.; investment advisory products and services are offered by SunTrust Investment Services, Inc.; mortgage products and services are provided by SunTrust Mortgage, Inc.
SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free 1-800-634-7928 CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, Illinois 60601, (312) 793-1490, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender.
"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products, and other investment services.
SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Banks, Inc. and SunTrust Investment Services, Inc.
SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.


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"The main character is a clown who is dreaming of his funeral. He's wondering who is going to say goodbye to him, and [the show] begins with a procession of people paying tribute to him, but he's not really dead."
Related quotes
"Why can't we get all the people together in the world that we really like and then just stay together? I guess that wouldn't work. Someone would leave. Someone always leaves. Then we would have to say good-bye. I hate good-byes. I know what I need. I need more hellos."
"If ever there is tomorrow when we're not together.. there is something you must always remember. you are braver than you believe, stronger than you seem, and smarter than you think. but the most important thing is, even if we're apart.. i'll always be with you."
"I'm particularly looking forward to seeing all the people I never really had a chance to say goodbye to, ... I know a lot of the lads and they have got a lot of ability there. Unfortunately it was a bit tipped up in the air, a few of the players were sold and it has taken a little bit of time for them to adjust."


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SAN DIEGO, Nov. 20 /PRNewswire/ -- PacificGMP, the leader in single-use bioprocessing for development and manufacturing, has entered into a cGMP contract manufacturing agreement with Actinium Pharmaceuticals, a biopharmaceutical company developing new targeted therapies for cancer. Under the agreement, PacificGMP will manufacture and perform fill/finish of Actinium's HuM195 monoclonal antibody for a Phase I/II clinical trial. A stability study of the final product will also be conducted. HuM195 is a monoclonal antibody that is currently being tested in a Phase I clinical trial to treat acute myeloid leukemia.
"We are delighted to establish a partnership with Actinium Pharmaceuticals and initiate cGMP production for their new Phase I/II clinical trial," said Leigh N. Pierce, President of PacificGMP. "With our strong track record of monoclonal antibody production, this project is a perfect fit for our companies and we look forward to efficiently providing Actinium with a high quality GMP product."
"We are excited to work with PacificGMP, a company with demonstrated expertise in biopharmaceutical manufacturing. Their capabilities and ability to quickly step into this role are precisely what Actinium was looking for in a manufacturing partner," said Howard Wachtler, President and Chief Executive Officer for Actinium.
About PacificGMP
PacificGMP is a contract manufacturer and industry leader in single-use
technology for development and manufacturing of biologics. Single-use
technology eliminates the risk of cross-contamination, has fewer system
requirements and significantly reduces the time required to initiate
production. Benefits to clients include rapid project turnaround and the most
cost effective solution in the industry. PacificGMP partners with drug
developers by providing a range of cGMP and non-GMP services from cell line
optimization, early process design, development and s
|SOURCE PacificGMP
Copyright©2008 PR Newswire.
All rights reserved


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Polls close, counting begins
Polls for Malaysia's closely-fought general election closed at 5pm on Sunday, with the counting of the ballots beginning immediately.
The first results will be known within two hours while the next government is likely to be announced by midnight or 1am.
The Election Commission is expected to announce the first results for state constituencies with a small number of voters, mostly in Sabah and Perlis.
The results of the 222 Parliamentary seats will be closely watched for whether the ruling Barisan Nasional or the opposition Pakatan Rakyat gets the 112 seats needed to form government.
A total 148 seats will be required to win a two-thirds majority.
The states which will generate the most excitement are Johor where the opposition has launched a fierce attack in a bid to win more parliamentary seats to win federal power. The Borneo states of Sabah and Sarawak are also hotly contested.
"The time for voting is over. Thank you for carrying out your responsibility as a Malaysian," said Prime Minister Najib Razak in his facebook account.
Polling went smoothly but was marred with complaints by some voters that they were deprived of the vote as their names had been crossed out as having voted earlier.
There were also many allegations of foreigners being caught attempting to vote, with rumours flying wildly over social media and text messages. The allegations claimed that large numbers of foreigners were spotted in various stations around the country.
Mr Najib denied that his BN has brought in "phantom voters" to boost its support in the crucial polls on Sunday that remains very closely contested.
"The allegations of friendly parties to BN bringing in foreign workers to vote is totally untrue. We are committed to a fair election," he said in his Twitter account on Sunday.
All the 222 parliamentary seats and 505 state seats are being contested this time, unlike in the 2008 polls. A record total 1,900 candidates are contesting.
If the majority at any seat is below four per cent of the total votes cast, a candidate's polling agent can request a recount. Only one recount is allowed.


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Isolation of neuronal chromatin from brain tissue
Author affiliations
1 Brudnick Neuropsychiatric Research Institute, Department of Psychiatry, University of Massachusetts Medical School, Worcester, MA, USA
2 Graduate School of Biomedical Sciences, University of Massachusetts Medical School, Worcester, MA, USA
3 Program in Molecular Medicine, University of Massachusetts Medical School, Worcester, MA, USA
Citation and License
BMC Neuroscience 2008, 9:42 doi:10.1186/1471-2202-9-42Published: 28 April 2008
DNA-protein interactions in mature brain are increasingly recognized as key regulators for behavioral plasticity and neuronal dysfunction in chronic neuropsychiatric disease. However, chromatin assays typically lack single cell resolution, and therefore little is known about chromatin regulation of differentiated neuronal nuclei that reside in brain parenchyma intermingled with various types of non-neuronal cells.
Here, we describe a protocol to selectively tag neuronal nuclei from adult brain – either by (anti-NeuN) immunolabeling or transgene-derived histone H2B-GFP fusion protein – for subsequent fluorescence-activated sorting and chromatin immunoprecipitation (ChIP). To illustrate an example, we compared histone H3 lysine 4 and 9 methylation marks at select gene promoters in neuronal, non-neuronal and unsorted chromatin from mouse forebrain and human cerebral cortex, and provide evidence for neuron-specific histone methylation signatures.
With the modifications detailed in this protocol, the method can be used to collect nuclei from specific subtypes of neurons from any brain region for subsequent ChIP with native/un-fixed or crosslinked chromatin preparations. Starting with the harvest of brain tissue, ChIP-ready neuronal nuclei can be obtained within one day.


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Property Details
Condo, 2 Bedrooms, 2 Baths, 4 Sleeps
Welcome to the Gardens at Beachwalk, unit 204. This elegantly decorated two bedroom, two full bathroom condo is waiting to be your home away from home. Rather your stay is a short one or for months on end, you'll love the location of this property and all the wonderful amenities it has to offer.
Walking into this second floor condo you'll note the owners' flair for decorating. Leather furnishings in the living room, accompanied by a beautiful glass top table in the dining area, add to the warmth and luxury of this condo. There are two master suites; each with a queen size bed, in-room TV, and full ensuite bathroom. The kitchen is fully equipped with all the amenities you may need for your stay and for preparing meals. Best of all there is your own private in-condo washer and dryer. For those with allergies, this condo has been designed both smoke free and pet free.
About the Owner
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Activity and Interests
Hundreds of restaurants surround the condo just a short drive away. It's close to the Cape Coral Bridge, Edison College, Starbucks, medical centers, and several grocery stores. Just a few minutes drive to the Twin and Red Sox spring training grounds. Fort Myers Beach, Sanibel & Captiva islands and downtown Fort Myers River district are all just a short 5-15 drive away. Just 30 minutes from Southwest Florida International Airport or I-75. If outdoor activities are your interest, Fort Myers is the Golf Capital of the world with over 100 local courses. The location of this condo keeps you centrally located close to everything including Lakes Regional Park, and the superb fishing that the Gulf of Mexico is famous for. A holiday would not be complete without visiting the Tanger and Miramar Outlets, or the amazing Coconut Point Mall featuring over 100 stores and 25+ restaurants and eateries.
Rental rates
- Monthly Rate: $0 - $0
Off Season: $1000-$1100/month
Season: $2000-$2500/month
To the above rates, add a $40 nonrefundable booking fee, a $95 departure cleaning fee , a $50 nonrefundable damage waiver fee and an 11% tax. Rates include all utilities.
*Rates subject to change without notice.
**Please call or email to confirm rates.
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Property Type
- condo
- Adventure
- Budget
- Family
Pool / Spa
- Hot Tub
- Outdoor Pool
- pets not allowed
Location Type
- Beach View
Sports & Adventure Activities
- golf
- 2 Bathrooms
- Bathroom 1
- Bathroom 2
- 2 Bedrooms, Sleeps 4
- Bedroom 1
- Bedroom 2
- The Gardens at Beachwalk has a beautiful in-ground heated pool, hot tub, fitness center, billiards room, and numerous lakes and greenery surrounding the property. Located across from the new Super Target Plaza, on San Carlos Blvd., it's centrally located close to Fort Myers Beach, Sanibel and Captiva Beaches. Numerous shops and restaurants are within walking distance of the condo as is a full grocery store right in the Super Target. Phone, Central A/C, Ceiling Fans, 3 Cable TV's, DVD player, Fridge, Stove, Dishwasher, Microwave, all linens, all dishes, pots and pans, cooking utensils provided, private in-condo washer and dryer, in-ground heated pool, hot tub, fitness center, clubhouse, daily housekeeping and turn down service available, kayaks, bikes, and other items also available through our rental department. All your needs will be attended to by our professional and courteous management team.


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Bono Still Recuperating as U2 Prepare to Begin Tour
Don't expect to see Bono pick up a guitar during U2's upcoming iNNOCENCE + eXPERIENCE tour.
Don't expect to see Bono pick up a guitar during U2's upcoming iNNOCENCE + eXPERIENCE tour.
Talk about adding insult to injury: After enduring copious amounts of surgery following his nasty bike accident last fall, Bono may have lost the ability to play guitar.
Band Aid 30's organizer, Bob Geldof, is asking fans to delete and re-download 'Do They Know It's Christmas?'.
U2 have announced the postponement of their weeklong residency on 'The Tonight Show Starring Jimmy Fallon.'
Somewhere in Europe, a plane's cargo door is lonely.
For a guy who hangs out with Hollywood types, he sure has a very positive view of America. Check out Bono's speech at Georgetown and feel better.
Nelson Mandela's death on Dec. 5 inspired a number of heartfelt reactions from members of the rock community. While many lamented the loss of an inspiring figure and world leader, others felt Mandela's passing on a more personal level -- including U2 frontman Bono, who was fortunate enough to count the legendary activist among his friends.
There's lots of buzz over the movie 'Enough Said' right now -- partly because it stars the late James Gandolfini in his last big role. And partly because of who plays his daughter -- Eve Hewson, whose real-life father is even more famous: Bono.
U2 are about to claim the record for the highest-grossing tour in history. After the band's second show at Morumbi Stadium in Sao Paulo, Brazil, the gross for the Irish band's U2 360 world tour will pass the $558 million mark, eclipsing the Rolling Stones' take for their A Bigger Bang tour of 2005-2007. By the time the band wraps up its next North American leg on July 30th in Moncton, New Brunswick, Canada, the band is projected to make around $700 million in total.


text: Shea to build active adult community near Denver By: Graziella Steele August 11, 2014 National homebuilder Shea Homes is developing a new active lifestyle community in the Lake Norman area of Lincoln County. As part of it Trilogy brand of high-end resort lifestyle community geared toward aging baby boomers, Shea is developing the Trilogy Lake Norman project just off of N.C. Highway 73 near Denver, N.C. The property was formerly ... Subscribe Login Email Address: Password: Already a paid subscriber but not registered for online access yet? For instructions on how to get premium web access, click here.Forgot your password? Share this:EmailPrintFacebookLinkedInTwitterGoogle +1Like this:Like Loading... active lifestyle community Lake Norman Lincoln County Shea Homes 1:50 pm Mon, August 11, 2014 Mecklenburg Times: News for Mecklenburg, Union and Iredell counties Graziella Steele


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Announcing Mystery Case Files: 13th Skull
We're proud to announce the upcoming release of the seventh installment in the Mystery Case Files series…Mystery Case Files: 13th Skull! While information is still scarce at this point in time, the development team has released the long awaited trailer. You watch it over at the Official Mystery Case Files fan site. As more information …Read more
More Mystery Case Files Hints and Clues Revealed!
We had been racking our brains trying to figure out how to get more information about the next Mystery Case Files release to share with you. The MCF team is so busy finishing up the game they rarely leave their desks! So we waited patiently until hunger forced them to vacate the premises. This left …Read more
Another Mystery Case Files 7 Clue Revealed!
The last Mystery Case Files 7 preview was great, but it just wasn't enough, we wanted more! There's only one place to go for top secret MCF documents…into the heart of Big Fish Games Studios… We decided to set up another 'raid' only this time we waited until after hours and hoped the cover of …Read more
Mystery Case Files 7 Game Art Leaked
When our studio team released the first Mystery Case Files 7 game preview, we were all very excited – and curious. You know what we do when we get curious? We go snooping. The Mystery Case Files team is only one floor away from where we sit and although their area is kept under lock …Read more
Mystery Case Files 7 Clue Revealed
As always, there has been a lot of speculation surrounding the next Mystery Case Files release. Clues and guesses are being made in our forums, on our Facebook page and Twitter. Details are still vague at this point, but we managed to sneak this image out from our Studio team. We will continue to keep …Read more
Super Mario All-Stars Limited Edition Coming to North America
Nintendo of America has announced plans to release Super Mario All-Stars Limited Edition in North America on December 12th. The release marks the 25th Anniversary of the launch of the Super Mario Bros. brand. Already available in Japan and soon to be available in Europe, the Limited Edition set will retail in the US for …Read more
Bejeweled Blitz Design Update is a Halloween Treat
In keeping with the fall season, PopCap Games has rolled out a Halloween design makeover for the ever popular Bejeweled Blitz. The actual mechanics of the game stay the same, but it now features a spooky Halloween background that reacts to scoring events such as cascading matches, speed bonuses, and the use of Power Gems …Read more
The Wonderful World of Gaming Opens at Walt Disney World
If you happen to be near the Downtown Disney Marketplace at Disney World this weekend, be sure to pop into the Once Upon A Toy, Disney Interactive Studios. Saturday, October 23rd marks the opening of a new gaming destination at Walt Disney World Resort – The Wonderful World of Gaming. The attraction is billed as …Read more
Super Mario All-Stars 25th Anniversary Edition – Wow!
Nintendo is set to release the Super Mario 25th Anniversary Edition in Europe in celebration of Super Mario Bros.' 25th birthday. This amazing package was originally thought to only be available in Japan. The Swedish-language section of Nintendo's website has posted some images of the contents of the package. The packages sport English translations of …Read more
Megaplex Madness: Now Playing Features Game Center
We're happy to announce the addition of Megaplex Madness: Now Playing for the iPhone to Game Center! Now you can challenge for the top of the leaderboard and try your hand at any of the 36 achievements featured in the game. If you're unfamiliar with Game Center, it represents Apple's latest move into the social …Read more
Megaplex Madness: Now Playing Available for iPhone and iPod
We are happy to announce the release of Megaplex Madness: Now Playing for iPhone and iPod touch. Restore the historic Bowmont Theater as the first act of your mad dash to bring cinematic excitement back to Movieville! Purchase ailing theaters all over town and return them to their former glory. Keep customers happy with quick …Read more
Drawn: Dark Flight Collector's Edition Now Available
Drawn: Dark Flight Collector's Edition is now available! Iris may have escaped from the Tower but she's still in need of your help! It is up to you, brave adventurer, to explore the Kingdom of Stonebriar and solve the mysteries of the shadows that prowl its streets. Iris has left a trail of colorful paintings …Read more


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Originally written on Fox Sports West | Last updated 11/17/14
St. Paul head coach Elijah Asante and Seattle Seahawks head coach Pete Carroll are friends. Their friendship dates back to Carroll's days as the head coach at USC. When Carroll took over in Seattle, he extended an invitation to his friend, Asante, to visit the Pacific Northwest. Asante took him up on the offer serving as an intern during the Seahawks' most recent minicamp. "That trip went really well," Asante said. "I had a great time up there. It was a grind. It was a daily grind." Asante saw firsthand the rigors of being a coach in the NFL. The days started at 6 a.m. and lasted until 9 p.m. Any time not spent on the field was usually spent in some type of meeting team, position, coaches etc. complete with tons of film study. "It's very much a mental game," said Asante describing his experience. "I'd say it was four to one mental to physical." Despite the long, often times tedious days, Asante received exactly what he hoped for things to implement in building St. Pau...
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According to a new press release from Washington, with the holiday travel season upon us, CBP is reminding travelers that there are several important things they can do to ensure smooth and efficient processing upon arrival in the U.S.
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Articles: How Stories Change the BrainBy Paul J. Zak | December 17, 2013
Paul Zak's research is uncovering how stories shape our brains, tie strangers together, and move us to be more empathic and generous.
These are the most recent things on the site for the tag: Charity. You can view more tags here.
Paul Zak's research is uncovering how stories shape our brains, tie strangers together, and move us to be more empathic and generous.
A new study finds that the rich are less altruistic
A review of The Upside of Irrationality: The Unexpected Benefits of Defying Logic at Work and at Home
Research shows how older volunteers can get the most out of their service.
Suffering is inevitable. But James Baraz and Shoshana Alexander argue that responding to pain with compassion, care, and generosity is key to a joyful life.
People who give to others give healthier, happier lives to themselves, argues Meredith Maran.
An Interview with Bowling Alone author Robert Putnam
The rich are getting richer and the poor are getting left behind. Why don't more people stick up for fellow citizens facing hard times? Because, argues Arlie Hochschild, empathy is being squeezed from the American way of life.
A new study maps what happens in our bodies and brains when we witness acts of kindness and compassion.
Stress doesn't always lead to fight-or-flight, says Kelly McGonigal. It can also activate brain systems that help us connect with other people.
A new study of five year olds reveals what forces stop us from helping people in need—and what we can do to overcome them.
An unprecedented free online course exploring the roots of a happy, meaningful life. Co-taught by the GGSC's Dacher Keltner and Emiliana Simon-Thomas. Up to 16 CE credit hours available.
How compassionate are you? How generous, grateful, or forgiving? Find out!» TAKE A QUIZ
Talks by inspiring speakers like Jon Kabat-Zinn, Dacher Keltner, and Barbara Fredrickson.Watch
Finds that feeling gratitude produces kind and helpful behavior, even when that behavior is costly to the individual actor.
Compassion evolved as a distinct affective experience whose function is to enable cooperation and protection of those who...
This article on bystander intervention in emergency situations suggests that we are likely to help a "shabbily dressed"...
The Center for Investigating Healthy Minds at the University of Wisconsin, Madison, runs a state-of-the-art neuroscience...
Northeast Foundation for Children is a non-profit educational organization that offers educators the Responsive Classroom...
Based at the University of Michigan Business School, this is a networking community for researchers and practitioners...
Best-selling author and founder of the Mindfulness-Based Stress Reduction program
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Sturbridge, Massachusetts Hotels & Resorts - The Hampton Inn Sturbridge is situated four and a half miles from the stunning Wells State Park, which is a 1,400-acre retreat.
Cambridge, Massachusetts Hotels & Resorts - The Royal Sonesta Hotel is situated across from the Cambridge Side Galleria, off the red line at Kendall Square Station, approximately four miles from
Sturbridge, Massachusetts Hotels & Resorts - Publick House Inn and Lodge is situated in the heart of historic Old Sturbridge Village, approximately 55 miles from Bradley International Airport.
Springfield, Massachusetts Hotels & Resorts - The Hilton Garden Inn Springfield is located on the grounds of the Basketball Hall of Fame in downtown Springfield. The hotel is conveniently located to
Cambridge, Massachusetts Hotels & Resorts - Le Meridien Cambridge-MIT is located six miles from the Boston Logan International Airport.
Northampton, Massachusetts Hotels & Resorts - This New England Colonial Inn is conveniently located within walking distance to downtown Northampton and Smith College.
Springfield, Massachusetts Hotels & Resorts - The Sheraton Springfield Monarch Place Hotel features an elegant, atrium-style design within walking distance of many major attractions and shopping venues.
Boston, Massachusetts Hotels & Resorts - The Tremont, located in the heart of Boston's Theater District, is convenient to the best that Boston has to offer.
Boston, Massachusetts Hotels & Resorts - The Feng-Shui inspired DoubleTree by Hilton Boston Downtown is located in Boston's Theater District just five blocks from the Boston Common and Public
Hyannis, Massachusetts Hotels & Resorts - The Econo Lodge Hyannis offers budget-friendly accommodations approximately two miles from Barnstable Airport and about 65 miles from Boston.
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Massachusetts has a rich American heritage and is home to Boston, the famous, historical New England city where you can tour Fenway Park, a bustling downtown, a beautiful harbor and tons of great shopping, restaurants, and nightlife! For more cultural and historical experiences, visit Plymouth, Massachusetts, where the English pilgrims first settled.
Whether it is the stories of slaves fighting for freedom, or the first colonists rebelling from England, the streets of Massachusetts are filled with history on every corner. Take a walk on the Freedom Trail and tour the house of Paul Revere to experience Massachusetts history. For a more rural and relaxing experience visit western Massachusetts and the Berkshires bordering New York State for hiking, canoeing and romantic bed & breakfasts.
Visit Cape Cod and the Islands, especially in the summer, for a truly memorable vacation. Gorgeous beaches, plenty of vacation homes, tours, boating, and outdoor adventures await! Martha's Vineyard and Nantucket are located off the coast of Massachusetts, boasting giant beach houses, gourmet restaurants, and fun antique shops and boutiques. Don't forget to try some of the famed lobster and Boston baked beans while you're there! Plan your trip to Massachusetts on RealAdventures today!
Kaitlyn Sestak
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Better pricing begins with the loan officer.
It's why mortgage leaders place enormous emphasis on clarifying their corporate culture. They know that once identified (and most importantly, adopted), the organization begins to think and operate as a whole.
Individual achievement is expected, but when proper expectations are clearly established and embedded in the performance of an organization--specifically production--what springs forth are the greater successes stemming from joint accomplishment.
As part of the team, loan officers for the most part know the drill: Loan applications should be 100 percent complete, all documentation should be thoroughly reviewed prior to going to the ops team, loans should be submitted in a timely manner, excellence in communication (including internal customers) should be a top priority, "underpromise and overdeliver" should be a core discipline and so on. They know whom their performance will impact and they know the upside for them: fewer mistakes, faster turn times, respect from their internal partners, enhanced reputation in the community.
Yet, loan officers routinely overlook one area where they can reap huge rewards: secondary marketing.
Is there a loan officer alive who has not desired better pricing? When asked what impact they have in this arena, loan officers shrug their shoulders and point to the heavens, knowing help in this area comes only from on high.
Individually, that assessment would be correct, but when specific operating principles become the disciplines of an organization, the pricing gods are empowered with more advantageous pricing models.
It all starts with the lock-in. Every extension and every relock comes at a price, and even when the loan officer and/or customer can't/aren't paying for them, the company is. Those costs don't go into the let's be generous' side of the accounting column, but right back into overall pricing.
Before locking a loan, every loan officer should analyze all possible threats to a timely closing. To eliminate all doubt, a timely closing should be defined as "a closing that occurs and funds preferably one to two days prior to the lock expiration date."
That means factoring in short sales, foreclosures, gift monies not yet received, refis with a subordination agreement, an influx of new business that may slow turn times, the sale of another home that may impact the closing, and so on.
So words for the wise: Be smart, and never cut a lock in too close for comfort.
Pull-through can be another costly matter. When a company's pull through drops due to undelivered loans, the company will ultimately be penalized by its investors in the form of less aggressive pricing. That translates to increases on the rate sheet and decreases for the loan officer's bank account, not to mention the possible negative impact on customer relationships and referral sources.
When credit is borderline, or the loan officer originates in an area still experiencing valuation issues or any host of problems threatens a closing, pull-through suffers. Loan officers must thoroughly prequalify the borrower, do homework on potential home-value issues, learn to sidestep landmines upfront rather than risk a blowup and get in the habit of only locking loans where a high level of confidence exists in a closing.
Yes, it's true that secondary has already factored in the fall-out percentages. But what if past performance, indicative of future pricing, changes? Want better pricing? Ensure everyone is hypervigilant about individual pipeline pull-through, and watch the overall positive effect on the company and on pricing.
Actively managed pipelines are also crucial. There is no magic pill; it's the same old mantra, but it's got teeth. Every loan officer knows the drill, or should by now: Weekly pipeline-review meetings are non-negotiable and secondary is notified before a lock is in jeopardy.
From secondary marketing's point of view, one of the biggest byproducts of the Dodd-Frank Wall Street Reform and Consumer Protection Act is the significant increase in the number of relocks and extensions. While it may be true that adjustments to cost cannot be passed to the loan officer in the form of shortages, there is a real cost to the company and that cost hits the loan officer in the form of less-aggressive pricing.
Let's add another component to pipeline management frequently left out--company benchmarks on turn times. These include application-to-processing, processing-to-underwriting, in-and-out of-underwriting, clear-to-close and so on. Proactive loan officers equipped with this knowledge can aggressively manage their pipelines, holding themselves accountable to the company standard or hopefully higher.
Ultimately, it's loan officers' relationships with their referral sources, their commission checks and their future business that's on the line. Anything outside the norm warrants further investigation. This is clearly where the individual performance of many becomes the joint success of all.
The most important concept that sales/branch managers can impart to their sales force is the direct relationship between cost and execution to the rate sheet and the correlation with lock-in and pipeline-management behavior. Secondary only creates the rate sheet; ultimately, the collective behavior of loan officers actually sets the rate.
Casey Cunningham is president of Alpharetta. Georgia-based XINNIX, The Mortgage Academy of Excellence. a provider of leadership development and mortgage sales training with comprehensive programs designed to enhance productivity, manager effectiveness and overall company profitability. She can be reached at firstname.lastname@example.com.
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|Title Annotation:
|The Right Stuff
|Better pricing begins with the loan officer.(The Right Stuff)
|Cunningham, Casey
|Mortgage Banking
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|May 1, 2012
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Squeaking Rat
Latex Rat
Stick this creepy crawler, Latex Rat on your table or in your Halloween landscape and prepare for all your guest to scurry. Features a terrifying and vicious rat.
Hairy Standing Rat
Creep out your guests when you decorate with the Hairy Standing Rat. This ugly, brown rat decoration features nappy, artificial fur and a stringy tail.
Crawling Evil Rat
This red-eyed rodent will certainly stir up some screams in your haunted house. Crawling Evil Rat is a creepy, foot-long decoration made of latex, plastic and polyester. There's no substitute for a well-placed rat!
Sitting Evil Rat
A well-placed rodent can send any room into chaos! Send them all screaming when you decorate using this Sitting Evil Rat. The latex, plastic and polyester prop features beady red eyes and is in an attack position. You'll certainly creep them out with this evil critter!
Toxic Rat Toilet Seat Cover
Gross-out your guests when you place the Toxic Rat Toilet Seat Cover in your bathroom. This grotesque, vinyl toilet seat cover is repositionable and features green toxic sludge, insects and rats, complete with a bonus decal for the tank.
6 inch Rat With Sound
Rats, foiled again! Stick this rat in the treat bowl, on the counter or anywhere you want to stimulate screams of horror. It's a lot like eating potato chips - you can't stop with just one, so you might as well get a few!
Twitching Rat in a Trap Decoration
…your friends scream themselves silly when they uncover this Twitching Rat in a Trap decoration among the bowls of finger food. Even a cat won't be able to resist this realistically animated rat, which even whimpers like a real rat! Complete your Haunted House today with this perfect little friend.
Rat in Trap Animated Airblown Inflatable
Who's got my cheese? The rat will figure it out and all who watch will scream and shout! Set your own kind of trap with this decidedly different sort of outdoor Halloween decoration. The Animated Airblown Inflatable Rat in Trap decoration inflates in minutes to over a full six feet long. That's…
Bag of Rats
Make your rodent problem known to all of your guests when you decorate your haunted house with this Bag of Rats. This tattered mesh bag features several red-eyed rats. (Bag does not contain real rats!)
Rats Peel 'n Place Wall Clings
Willard may be the only guy who really loves rats - the rest of us are scared silly at the sight of them! Scare up some Halloween fun when you decorate indoors with these three peel 'n place Rats wall clings. Use on any smooth, flat surface.
Mouse Kit With Sound
EEEK! A mouse is known to squeak and this Mouse Kit does the trick. The pink and gray Mouse Kit consists of a headband with mouse ears, a nose that makes sounds, a bowtie and a mouse tail. Cute!
90s Crew Sock
Unleash your inner mall rat and get ready for the dance in the 90's Crew Sock. These graphic socks will inspire you to break out your scrunchies and kicks and get on the floor!
Nose Clown Squeaker
Crack up the crowd with an authentic professional quality clown nose. The red clown nose squeaks when you squeeze it!
Muppets Beaker Adult Men's Costume
…typically involve him being blown up, electrocuted, eaten by large monsters, or losing body parts. Beaker communicates in a nervous, high-pitched squeak that sounds like "Mee-mee-mee mee". Conduct some experiments of your own on Halloween in this officially licensed Muppets adult men's Beaker…
Big Frank Adult Mens Costume
He is the ultimate crooner, the leader of the rat pack and the ultimate big guy - meet Big Frank, the star of the monster mash. Steal the spotlight on Halloween when you don the adult men's Big Frank costume and practice your smooth moves. This hilarious costume includes the character mask and…
Squooshey Bat
Willard had rats but you can have bats. Creep them out with this black Squooshey Bat - great for trick or treat!
Creepy Carnival Swirls 12-Pack
Make your party the perfect Halloween celebration when you use the Creepy Carnival Swirls 12-Pack. This package contains 12 swirly decorations with skulls, rats and spider details.
Blind Mice Adult Costume Kit
Tap into any hotties or avoid any rats in the Blind Mice Adult Costume Kit. This blind mice kit features a cane and glasses that will take you back to your favorite nursery rhyme. Also features cute neon pink bows on the mouse ears and neckpiece.
Giant Boob Adult Unisex Costume
…out in this hilarious Giant Boob adultunisex costume. In this adult Halloween costume, consisting of a large stuffable breast with a nipple that actually squeaks, you're sure to get laughs (and perhaps a complement or two). Pile on the beads and go solo or grab a friend and go as a pair of boobs!
Dark Blue Fishnet Arm Warmer
Feel the beat in the Dark Blue Fishnet Arm Warmer! Bring out your inner 80's mall-rat style in these dark blue arm warmers.


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Montclair NJ Police Jail is a police jail for housing inmates immediately
after their arrest. Inmates are only held here temporarily and are provided with
meals and access to bathroom facilities.
Use the inmate search feature to find an inmate here.
Physical Location647 Bloomfield Avenue
Montclair, NJ 07042
Contact Info


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Interactions of biotic and abiotic environmental factors in an ectomycorrhizal symbiosis, and the potential for selection mosaics
Author affiliations
1 Department of Ecology and Evolutionary Biology, 1156 High Street, University of California, Santa Cruz, Santa Cruz, CA 95064, USA
2 Department of Biology, University of Mississippi, University, MS 38677, USA
Citation and License
BMC Biology 2008, 6:23 doi:10.1186/1741-7007-6-23Published: 28 May 2008
Geographic selection mosaics, in which species exert different evolutionary impacts on each other in different environments, may drive diversification in coevolving species. We studied the potential for geographic selection mosaics in plant-mycorrhizal interactions by testing whether the interaction between bishop pine (Pinus muricata D. Don) and one of its common ectomycorrhizal fungi (Rhizopogon occidentalis Zeller and Dodge) varies in outcome, when different combinations of plant and fungal genotypes are tested under a range of different abiotic and biotic conditions.
We used a 2 × 2 × 2 × 2 factorial experiment to test the main and interactive effects of plant lineage (two maternal seed families), fungal lineage (two spore collections), soil type (lab mix or field soil), and non-mycorrhizal microbes (with or without) on the performance of plants and fungi. Ecological outcomes, as assessed by plant and fungal performance, varied widely across experimental environments, including interactions between plant or fungal lineages and soil environmental factors.
These results show the potential for selection mosaics in plant-mycorrhizal interactions, and indicate that these interactions are likely to coevolve in different ways in different environments, even when initially the genotypes of the interacting species are the same across all environments. Hence, selection mosaics may be equally as effective as genetic differences among populations in driving divergent coevolution among populations of interacting species.


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Lisa Stelly
Lisa Stelly info
Lisa Stelly biography
This block contains the information about Lisa Stelly and provides an insight into the life of the celebrity. From here you can also learn when, how and why the profession of an actor was chosen. Some interesting facts are waiting for you here.Lisa Stelly is an American actress who is mostly famous due to her role in "21 century breakdown" and in "Green day". She got married with Jack Osbourne in October 2012. By the time they married they already had a five months old daughter Pearl. Later the actress got pregnant again, but due to the stress that she experienced at work she miscarriaged her child, which became a reason for a very deep depression, from which she was able to escape only due to her daughter Pearl.
Where Lisa Stelly born?
With the help of the Google satellite map you can find the place where Lisa Stelly was born. By zooming in and out you can see the place itself and the area it is situated in and nearby. Find out where Lisa Stelly was born. Now you can see the place itself even not traveling.
Lisa Stelly filmography
Here you can learn about the movies Lisa Stelly acted in. You can see the names of the movies, their budget, years of release and the money gained from the screening of the certain movie. It is always interesting to know.
Lisa Stelly video
This part provides videos with Lisa Stelly. It is always interesting to see the star on the screen whether it is an interview, movie, or just some video shots from life or professional carrier, etc. Enjoy your viewing!
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GuildWars.com Gets a Facelift
If you haven't gone to visit for a few days, you should. GuildWars.com just got a facelift and it's a beauty! They have media up for Factions, the upcoming expansion as well.
We didn't get a facelift. However, check out the Ten Ton Hammer Guild Wars Community You won't be sorry you looked.


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In business since 1979 as a full-time, professional buyer and seller of antiques, Americana, jewelry, old coins - half cents to silver dolla...read more
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The Arts Education Program (AEP) is designed to support In-School and Out-of-School-Time arts and humanities projects for children and youth in pre-school through high school settings. The grant also supports professional development opportunities in the arts and humanities for classroom educators.
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