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|Questions and Answers for People Who Get SSI or SSDI and Are Returning to Work
Last updated: January 2014
Working and Social Security
Health Insurance
Discrimination in the Workplace
Confidentiality and Disclosure
The Family and Medical Leave Act
Other Financial Issues for People Returning to Work
Checklist for Returning to Work
Yes. You should always report your earnings to the Social Security Administration (SSA), and you should talk to a claims representative before you start working, so you will know what and when you have to report. Keep a copy of any pay stubs you submit and a record of when you reported the earnings to SSA.
No. Or at least not right away. You can receive your entire SSDI check during your "trial work period." Your trial work period is nine months long. Any month you earn more than $770 will be counted as one of the nine months of your trial work period. The nine months don't have to be all at the same time. Social Security will count any months you work in a five year period as part of the trial work period.
Note: On January 1, 2001, the Trial Work Period amount rose from $200 a month to $530, and the amount has risen by $10-20 increments on January 1st of every year since then, until it reached $770 on January 1, 2014 For any months worked before January 1, 2001, the trial work period amount is $200.
Once you have accumulated 9 months of trial work, then Social Security will start looking at months in which you make more than $1070, as of January 1, 2014. If you earn more than $1070 per month, Social Security will consider that "substantial gainful activity." Note: The substantial activity amount (SGA amount) has steadily increased over the last few years.
You will be able to keep your SSDI benefits for 3 more months after your trial work period ends if you are earning over SGA. Then, if you continue working and make more than $1070 a month, your SSDI check will stop.
It depends on whether Social Security thinks you are still disabled. During the three months after your trial work period, Social Security will look at your medical records to see if your health has improved enough that you are no longer considered disabled. If Social Security finds that you are still disabled, then you will be covered under what Social Security calls an "Extended Period of Eligibility" for the next 60 months. You will automatically be eligible for your SSDI check in any month during the Extended Period of Eligibility in which your earnings are below $1070.
On the other hand, if Social Security looks at your medical records and decides that they show "medical improvement" then they will send you a notice saying that they no longer consider you disabled. Then the only way you will be able to get your SSDI benefits back will be by appealing (and winning) or applying all over again.
No. Social Security will assume that you are still disabled. They can't use the fact that you're working to prove otherwise. But they can (and will) look at your medical records to decide if you are still disabled. Some people will clearly still be disabled. However, if you have improved so that you really are functioning a lot better, then there is a real risk that Social Security might conclude that your condition has medically improved and you are no longer disabled under their rules.
Subsidies: If your employer pays you and you are not really doing the work that would be required of you, (because your employer wants to be nice to you) your "earnings" could be considered as a subsidy and the money would not be counted as income.
Business related expenses: Self-employed persons can deduct the reasonable cost of business-related expenses from monthly gross earnings.
Impairment Related Work Expenses (IRWEs): These are expenses that are necessary to go to work and stay on the job. These include most drugs and medical services. IRWEs can also include items such as personal attendant care, medical or prosthetic devices, residential modifications and special transportation (such as cab fare). All IRWEs can be deducted from gross monthly earnings to get below the $1070 a month SGA. SSA must approve any IRWEs.
Example: You earn $1100 a month in gross wages. Because of your disability, you must take medication to allow you to get to and perform your job. This expense costs you $300 a month out of your pocket. Your countable wages for SSA purposes are therefore $800 ($1100 minus the $300 prescription costs). Since your countable wages are less than $1070 per month, your SSDI benefits will continue.
$1100 (gross monthly earnings)
- $300 (medication costs)
$800 (countable wages)
No. The Trial Work Period only applies to people who get SSDI. Your SSI check will be affected as soon as you go back to work. But you may still be able to keep some of your SSI check, even if you work more than 9 months.
SSI is called a "means-tested" program. It is only available to people who have little or no income or assets. As your income goes up, your SSI check goes down, or ends altogether. But Social Security wants people on SSI to work, so they don't count some of the money you earn when they are calculating how big your SSI check will be. Social Security calls income you earn from employment or self-employment Earned Income.
The first $20 of any earned or unearned income you have is subtracted. In addition, SSA subtracts $65 plus 50% of the remaining earned income. This is called the earned income disregard.
If you lose your job within 12 months after your SSI benefits were stopped because your earnings were too high, and you are still disabled, your SSI benefits would start again without a new application. If you work for more than 12 months after your SSI or Medicaid stopped and then lose your job, you may need to reapply for SSI.
No. Once your earned income is roughly twice the monthly SSI benefit rate, plus the $85 in disregards, you will no longer be eligible for SSI. In 2008, this figure is $1,433 per month--or higher if you have business-related expenses or Impairment Related Work Expenses (IRWEs).
Example: You receive $674 from SSI (in 2009). You go back to work and earn $600 a month in gross wages. SSA will subtract the first $85 of the $600 to get $515. Then SSA subtracts 50% of the remainder (50% of 515) to get $257.50. Then SSA subtracts the $257.50 from the $674 SSI benefit to get $416.50, which is how much you can get in SSI. Thus you have earnings of $600 from your employment, and SSI benefits of $416.50, for a total monthly income of $1016.50. You have improved your monthly income by $416.50 by going to work.
Remember, if you have a subsidy, business related expenses, or IRWEs, you would deduct them from your gross wages before you subtract the income disregard of $85, and then take 50% of the remainder. That gives you a larger SSI benefit.
The Plan for Achieving Self Support (PASS) program allows disabled SSI and SSDI beneficiaries to receive SSI by excluding from their SSI eligibility and benefit calculations any income or resources used to pursue a work goal. Anyone interested in pursuing a PASS must submit an application to their local SSA office (there is an application form that is not mandatory to submit, but you are advised to use it), and the PASS must be approved by SSA before your income and resources will be excluded. You should have someone familiar with PASS help you with your application.
Unfortunately, both programs have different rules, and both apply to you. For example, you will have a 9 month trial work period for SSDI, and if you are earning over $1070 a month after your trial work period, you will lose your SSDI benefits, but you could have some SSI benefits after the 9 months if your earnings are low enough. It is more likely that you will lose your SSI benefits first, though, since your SSI benefits probably do not amount to much of your total benefits.
You can request an Expedited Reinstatement of Benefits, including Medicare and Medicaid, without filing a new application. Beneficiaries must be unable to work because of their medical condition.
The Request for Expedited Reinstatement must be filed with the Social Security Administration within 60 months from the month their benefits were terminated due to work. In addition, they may receive temporary benefits, as well as, Medicare and Medicaid for up to six months while their case is being reviewed. If they are found not disabled, these benefits would not be considered as an overpayment.
Under the Ticket to Work Program, Social Security Beneficiaries, who have been determined disabled as an adult and are receiving cash benefits, can receive help in obtaining rehabilitation and vocational services to help them go to work and achieve their employment goals. The Ticket to Work Program also removes barriers that require people with disabilities to choose between health care coverage and work.
If you would like assistance with getting a job, need vocational rehabilitation services or support services you can take your ticket to an Employment Network. You can find out about Employment Networks in your area from Maximus at (866) 968-7842. The Illinois Department of Healthcare and Family Services – Office of Rehabilitation Services is also an Employment Network.
DHFS – ORS is also offering assistance with questions by calling (800) 795-9973 (V) or (800) 524-9904 TTY
Even though you're feeling better, there is probably no issue more important than knowing that your medical expenses will be covered even if you go back to work. Right now your health care expenses may be covered by Medicare, Medicaid or both. This chapter discusses how each of those programs may be affected if you return to work, and what your [INVALID]natives are.
When you look for a job, look for one with a good health insurance plan. A good plan should cover your doctor and hospital bills with little or no deductible or co-payment, it should cover your prescriptions, and it shouldn't have a waiting period for pre-existing conditions. You'd also like to have the option of choosing a plan that's not an HMO so that you can keep your existing doctors and not have to worry about getting approval from someone every time you need a specialist.
Large employers are more likely to have plans that don't exclude pre-existing conditions. Large employers may also be more likely to offer several plans so you don't have to be in an HMO. Most full-time government jobs have good health insurance. Most unionized employers and many not-for-profits offer good health insurance. But there are also many small companies that offer good health insurance plans, and many large ones that only offer a bare-bones HMO plan.
You probably won't make a good impression in an interview if you spend a lot of time asking about health insurance. But it's all right to ask about fringe benefits generally and when you actually get an offer, by all means ask for a detailed description of the salary and benefit package.
Exclusions for pre-existing conditions can be a serious problem for people with disabilities who go back to work. However, the Health Insurance Portability and Accountability Act of 1996 (HIPAA) made it much harder for group health insurance companies to refuse to cover pre-existing conditions. The new rules apply to any employer that has at least two employees in its group plan.
HIPAA says that the longest any employer can exclude a pre-existing condition is 12 months. More importantly, HIPAA says that if you already had group health insurance for at least 12 months, (or 18 months if you are joining your group plan late), then when you switch jobs, or start a new one, your new health insurance has to cover your pre-existing condition right away. Even people who have been on Medicaid or Medicare have some protection under HIPAA. If your new job has a pre-existing condition limitation, and your employer says it applies to you, check with an attorney to find out if HIPAA can help you.
There is one other important thing you need to know about HIPAA. First, if you have a break of more than 63 days in your present insurance, then you can't count the months before the break toward your pre-existing exclusion period. This can be a problem for people on Medicaid who start doing temporary or part-time work, or start back to work in some other job without health insurance.
If you have Medicare, you will probably be able to keep your Medicare coverage after you return to work. You will keep your Medicare for at least the first 12 months you work. Then, if you are still considered disabled, you will be able to keep your Medicare if you continue to work.
For the first eight and one-half years after you return to work, your Part A (hospitalization) coverage will be free. (This includes the Trial Work Period). You'll only pay for the Part B coverage which is probably now being deducted from your Social Security check. After the eight and one-half years, you can continue to buy Medicare coverage if you are still disabled, although then you would have to pay both Part A and Part B premiums.
If you get SSI now, you probably also have a Medicaid card which you use at the doctor's office, for hospitalizations, and to buy your prescriptions. It's very hard to keep your Medicaid when you return to work, because the income limits for Medicaid in Illinois are so low.
There are two groups of people who now get SSI and who can keep Medicaid when they go back to work. If you earn a little over $940 per month, you should still get a small SSI check every month after Social Security makes adjustments for your earnings. People who work and make over $940 per month and still get an SSI check can continue their Medicaid under a special program called 1619(a).
It works this way: when you earn over $940 a month in gross earnings, and report it, SSA will automatically put you in the 1619 program, although you should contact SSA to confirm this. SSA will use the earned income disregards and exclusions (discussed in the chapter about SSDI and SSI) to determine the amount of SSI benefit. SSA should also notify the Department of Healthcare and Family Services that you are on the 1619 program. The Department of Healthcare and Family Services should continue your Medicaid eligibility without a spenddown.
Very few people in Illinois get their Medicaid under the 1619(a) program, but it's an important benefit for low-income workers. If you are working and getting an SSI check, be sure that your local Medicaid office is continuing your benefits. (You should contact an attorney if the Department of Healthcare and Family Services puts you in a spenddown or terminates your Medicaid coverage.)
There are also a few people who can make up to approximately $31,200 and keep their Medicaid. If you have been on SSI and Medicaid, and are still seriously disabled even though you're working, Social Security can put you on a special list that will let you keep your Medicaid benefits without a spenddown. This program is called 1619(b). To be eligible for continued Medicaid coverage under 1619(b) you must meet the following conditions:
If you think you might be eligible, tell the Social Security worker to evaluate you for "1619(b)" benefits. Your Medicaid benefits should not be terminated by the Department of Healthcare and Family Services until Social Security makes the 1619(b) determination.
Individual health insurance policies will be expensive and hard to find for people with disabilities. The State of Illinois offers a health insurance plan, called I-CHIP (Illinois Comprehensive Health Insurance Plan) for people who cannot buy other health insurance. I-CHIP has a variety of plans, with a wide range of deductible amounts. It also offers a plan for people on Medicare that includes prescription drug coverage.
There are two major problems with I-CHIP insurance. First, for most people, it includes a six-month exclusion for pre-existing conditions. That means that your pre-existing conditions would not be covered for the first six months. The exclusion doesn't apply to people who have been on another group health insurance program for at least 18 months and haven't had a break of insurance more than 63 days long. So if you are just now losing your COBRA insurance, you may qualify for I-CHIP without the six-month exclusion.
The second problem with I-CHIP is that it can be expensive. For people living in the Chicago area, monthly premiums for a single man run $247 to $2,080, depending on your age, whether you elect the PPO policy, and the amount of your annual deductible. Still, these costs are inexpensive compared to the costs of some prescription drug treatment. If you can afford the premiums, and have no other source of insurance, I-CHIP may give you the coverage you need to return to work.
The State of Illinois Department of Healthcare and Family Services administers a Health Benefits for Workers with Disabilities Program, formerly known as the Medicaid Buy-In. This program allows people with disabilities who are working to enroll in Medicaid, or stay in Medicaid without a spenddown, by paying a monthly premium of no more than $100. The rules state that income needs to be below 200% of the Federal Poverty Level (in 2012 annual income below $22,340 or $1,861 per month for an individual. These amounts change every year). The assets limit is $10,000 versus the $2,000 limit for regular Medicaid. Questions about the program and requests for applications can be directed to the Department of Healthcare and Family Services at 1-800-226-0768; Health and Disability Advocates at 312-223-9600 or The AIDS Legal Council of Chicago at 312-427-8990.
If you go back to work, you may be concerned that you will be discriminated against because of your status as a person with a disability, or you may need some accommodation in order to go back to work. The Americans with Disabilities Act (ADA) makes it unlawful to discriminate in employment against a qualified individual with a disability if the person can perform the essential functions of the job with or without a reasonable accommodation. The ADA makes it unlawful to discriminate in all employment practices, including:
Social Security counts the gross monthly wages you earn only for the Trial Work Period months. For months after the ninth month of the Trial Work Period, SSA recognizes certain expenses that can be deducted from gross monthly wages to reduce monthly income below the substantial gainful activity level.
Under the ADA, a person has a disability if they have a physical or mental impairment that substantially limits a major life activity.
A qualified individual must satisfy the job requirements for educational background, employment experience, skills, licenses, and any other qualification standards that are job related. The ADA does not interfere with an employer's right to hire the best qualified applicant. The ADA does not impose any affirmative action obligations.
Essential functions are the basic job duties that an employee must be able to perform. Factors to consider are:
A reasonable accommodation is any change or adjustment to a job or work environment that permits a qualified applicant or employee with a disability to participate in the job application process or to do the job successfully and that does not [INVALID] undue hardship to the employer.
For example, reasonable accommodations may include:
If you need an accommodation, you must request one. It is not up to the employer to try to anticipate or assume that you need one.
Undue hardship means that an accommodation would be unduly costly, extensive, disruptive, or would fundamentally [INVALID] the nature or operation of the business. Among the factors to be considered are the cost, the employer's size, financial resources and the nature and structure of its operation.
No. Unless you need a reasonable accommodation to perform the essential functions of the job, it is not necessary to disclose your health condition.
NO! It is unlawful to ask an applicant whether he or she is disabled or to require the applicant to take a medical examination before making a job offer.
After a job offer is made, you may be required to have a medical examination but only if everyone else who will be working in the job category also must have an examination. A job offer may be conditioned on the results of the medical exam. If you are not hired because a medical examination reveals your disability, the employer must be able to show that the reasons for exclusion are job related and necessary for the conduct of their business. They must also be able to show that there was no reasonable accommodation available that would make it possible for you to do the job.
They shouldn't know if you don't tell them. The results of all medical examination or information from inquiries about a disability must be kept confidential by your employer and maintained in separate medical files. In addition, if you have HIV for example, the AIDS Confidentiality Act prohibits anyone from disclosing your status without your consent.
The Family and Medical Leave Act of 1993 (FMLA) entitles eligible employees to take reasonable leave for medical reasons, for the birth or adoption of a child, or for the care of a child, spouse, or parent who has a serious health condition. The Act requires covered employers to provide up to 12 weeks of leave per year.
In general, any employer who employs 50 or more employees is covered. Any employee who has been employed an average of 25 hours per week for at least 12 months is eligible.
An employee must provide at least 30 days advance notice before FMLA leave is to begin if the need for the leave is foreseeable. If 30 days notice is not workable, notice must be given as soon as practicable--generally at least two days' notice.
Probably. An employer may require that a request for leave under FMLA be supported by certification issued by the employee's health care provider.
No, unless your company has a paid leave policy or a short-term disability plan.
During any leave under the Act, an employer must maintain your health coverage under any group health plan. An employee is obligated to pay health plan premiums while on leave ONLY to the same extent as when not on leave.
Often, leave will be taken in large segments of time or the full 12 weeks. However, when medically necessary, leave may be taken on an intermittent or reduced schedule basis. This may include periods of an hour or several days at a time.
Many people's financial situations change dramatically when they become disabled and can no longer work. You may be collecting long-term disability insurance from a former employer. You may have unpaid bills or have recently filed for bankruptcy. This section addresses these financial issues for people who are now returning to work.
Every long term disability policy is different. Some say that all of your benefits end if you go back to work. If your policy says that, you should be very sure of yourself and your ability to work before you give up those benefits. But many policies now include provisions that encourage you to go back to work. They may allow you to work part-time without losing your benefits. They may keep your eligibility status active, so that you have a period to "try out" work before you lose your benefits. They may provide that if you go back to work you'll get benefits in any month in which your income [INVALID]s below a certain level.
The only way to know what your plan allows is to read it carefully. If you are at all uncertain about what your plan allows, be sure to consult with an attorney or someone at the plan office before you make a change that may cause you to lose these benefits.
People who are very ill often have debts. You may owe money for uncovered medical expenses, school loans, car loans, credit cards, utility bills, health club memberships, or any other expense. When you were ill, and your only income was Social Security, you may have been advised that you were "judgment proof" and may have written to your creditors telling them that you could not pay. Or you may have already been [INVALID]d bankrupt so that your debts were wiped out.
If you go back to work, you will no longer be judgment proof. If your creditors go to court and get a judgment against you they can garnish your paycheck or your bank account. There are laws limiting how much money a creditor can take out of your paycheck. If you make less than $348.75 a week after taxes, then your creditors cannot garnish your paycheck. If you make more than that, however, they can take up to 15% of every paycheck. So if you make $400 per week after taxes, your creditors can garnish $50 every week, or about $200 per month.
If going back to work means that you will suddenly be faced with lots of old bills you cannot pay, then this might be a good time to consider filing for bankruptcy. There are two forms of bankruptcy--Chapter 7, which wipes out all of your old debts, and Chapter 13, which [INVALID]s a plan for paying off some or all of your old debts. If you are considering filing for bankruptcy you will have to see an attorney to help decide which form is right for you and represent you in bankruptcy court.
If you have already filed for bankruptcy, then you probably know that you can't file a second Chapter 7 bankruptcy for eight years. If there are now other people you owe money to, then returning to work means that you have to be prepared to pay those bills.
Chapter 13 bankruptcy is available to people who have filed either Chapter 7 or Chapter 13 bankruptcy in the past.
This checklist should remind you of some of the important issues you need to consider when you return to work. This checklist is strictly a practical one. It does not deal with issues such as job satisfaction, possible job-related stress, or your personal health issues. Often, of course, these factors may be more important to you as you make your decision than the practical factors described here.
If you are now on SSI:
If you are now on SSDI:
After your trial work period ends, will you be making more than $940 per month after Impairment - Related Work Expenses are deducted?
If you will be making more than $1070 per month after the end of your trial work period, can you:
Social Security Administration (applications, appeals, reporting work)
Contact your closest office or call (800) 772-1213; TTY (800) 325-0778
Illinois Department of Healthcare and Family Services (processes Medicaid applications, income reporting, and appeals)
Contact your local office or call (800) 720-4166
Illinois Department of Public Aid (processes Health Benefits for Workers with Disabilities applications)
Contact your local office or call (800) 226-0768 (V) or (877) 204-1012 (TTY)
Illinois Comprehensive Health Insurance Plan (I-CHIP) (800) 367-6410
Health and Disability Advocates, formerly the SSI Coalition (to discuss SSI/SSDI representation, including assistance on Return to Work issues or to get speakers on SSI/SSDI issues or Return to Work issues)
Benefits Planning, Assistance and Outreach Projects (BPA & O)
City of Chicago, Mayors Office for People with Disabilities (312) 746-5743 (V) (312) 746-5713 (TTY)
Department of Healthcare and Family Services–Office of Rehabilitation Services (800) 807-6962 (V) (866) 444-8013 TTY
Department of Healthcare and Family Services – Office of Mental Health (866) 390-6771
Protection and Advocacy for Beneficiaries of Social Security (PABSS) – mediates issues regarding the Ticket to Work Equip for Equality, Inc. (800) 537-2632 (V) (800) 610-2779 TTY
Maximus – Program Manager for The Ticket to Work (866) 968-7842
Illinois Department of Public Health, AIDS Activity Section (to get help paying COBRA premiums) (800) 825-3518
AIDS Legal Council of Chicago (legal assistance on issues related to your HIV status, including any of the topics discussed in this booklet, or for speakers on Return to Work or other legal issues affecting people with HIV) (312) 427-8990
Legal Assistance Foundation of Metropolitan Chicago, HIV/AIDS Project (legal assistance for low-income Chicago residents with HIV) (312) 347-8309
AIDS Foundation of Chicago (to get a case manager or to learn about and discuss AIDS advocacy issues)(312) 922-2322
Illinois AIDS Drug Assistance Program (ADAP) - (800) 825-3518
Note: This manual is not intended to substitute for legal advice. Please contact one of the legal resources noted above if you have specific questions about your case.
For a list of organizations in your area that may be able to help you, enter your zip code.
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Less than the Least
Entries from Less than the Least tagged with 'Isaiah'
My Condition--Stuntz
My surgery happened about ten days ago; I've been home from the hospital for a week. The surgery went well, as these things go: the tumor was sizeable but they apparently got all of it, which is good news. Cancer...
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LB Ellerbe inactive for Dolphins against Bills
MIAMI GARDENS, Fla. (AP)
Miami Dolphins linebacker Dannell Ellerbe is inactive for Sunday's game against Buffalo because of a shoulder injury, and Jason Trusnik will start in his place.
Dolphins defensive end Cameron Wake and cornerback Dimitri Patterson are active. Wake missed most of the past three games with a left knee injury, while Patterson had been sidelined since the season opener with a groin injury.
Wake is expected to start, while Patterson is listed as a backup behind Nolan Carroll.
Bills receiver Stevie Johnson is active after missing last week's game with a back injury. Buffalo quarterback Matt Flynn, signed Monday after being cut by Oakland, is inactive.
Newly signed Dolphins defensive tackle Isaako Aaitui is active.
AP NFL website: www.pro32.ap.org and http://twitter.com/AP-NFL
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NFL talking to 49ers about sideline hit vs Seahawks in NFC title game
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Hi guys and girls
I really have no clue what I am doing wrong, but I cant get jQuery UI to work in my plugin.
There isn't anyother code in the plugin yet, so it can't be a conflict internally in the plugin.
Could someone point out to me how I include jQuery and the jQuery UI
There is no problem in getting jQuery to work, but when I try to include the jQuery UI it fails.
It properbly has something to do with the http://docs.jquery.com/Core/jQuery.noConflict used in the bundled jQuery.


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Cannabis News Roundup: 03.28.14
Smaller school buffers considered in San Francisco… E-cigs treated like tobacco in two Bay Area counties… Local cultivation bans upheld by CA Supreme Court… Cannabis endorsed for MS treatment… and more.
[> Intended for 03.28.14]
SF City Planning Commission considers smaller school buffer zones // SF Gate Change would "create city-wide 'green zones'." The Planning Commission tells the CNR that the report and its recommendations were accepted Thursday, with minor modifications.
Two Bay Area Counties vote to regulate e-cigarettes // NBC-TV
California Supreme Court OKs bans on local cultivation and businesses // MJ Business Daily
Martinez approves backyard growing, despite resistance // Contra Costa Times
Dogs unreliable in traffic searches for illegal drugs // NORML Study produced false alerts 36 percent of the time.
Ban on sweet cannabis edibles recommended by Oregon Health Authority // MJ Business Daily
No increase in crime connected to legal medical cannabis, study finds // PLOSone
American Academy of Neurology endorses cannabis for MS // National Pain Report
Learn about the federally sanctioned PTSD tests on cannabis // SF Gate
L.A. family fires doctor, gets second opinion, on CBD seizure treatment // Huff Post
Utah approves CBD treatments for childhood epilepsy // Yahoo News But parents must go out of state to acquire the extract.
Colorado issues "Drive High, Get a DUI" PSAs // East Bay Express This, despite a 10% drop in traffic fatalities since legalization.
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Learn how to make many varieties of salsa starting with just a few basic ingredients.
Try this ready-to-go menu or create your own.
Homemade salsa is a summer sensation.
Raw salsa is also known as "salsa cruda." Leave your ingredients raw for a salsa with a bright, refreshing taste.
Cook the salsa, and you'll trade a bright, fresh taste for a deeper, sweeter one. Roasting the tomatoes, garlic and/or chiles lends rich, smoky flavors.
The beauty of salsa is its versatility and adaptability. At its most basic, salsa is simply chopped or pureed tomatoes, chiles, onions, and cilantro, flavored with salt and a squeeze of lime juice.
But you can play with as many combinations of fruits and vegetables, chiles and herbs as you can dream up.
Making salsa is a great excuse to put that food processor to work! Use it to puree half or all of the tomatoes in your recipe (many people prefer to keep some of the tomatoes chunky).
Check out our Photo Tutorials on Seeding Tomatoes, Dicing Tomatoes, and Dicing Onions.
Summertime is all the sweeter with light desserts that satisfy without weighing you down.
Buried in zucchini? It's time to make zucchini bread! Choose from over 100 recipes.
Delicious recipes, party ideas, and cooking tips! Get a year of Allrecipes magazine for $7.99!
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Ha! That's where I'm headed.. First one to fall asleep, wins!
*Runs to his bed*
Cleared.. Finally.
Go ahead and send
Lulz! Alright, will I'll speak to you tomorrow then.
Also, don't delete that "thing" Keep it, you never know
Again.. Man, these in-boxes fill up quick don't they.
The best is, I can't even access mine to clear it, it keeps asking me to sign in, EWN is very screwy at the moment.
I've got time.
a bit, what's up?
Cleared Ashley
I like to think so.
I did what I could for now. I have DFI stuff and Tag Tourny stuff... Plus I talk to a few people a ton.
Cleared, sorry. My inbox is a mess right now.
The Trinity
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A recent trademark filing from Apple is adding fuel to the speculation that the company will soon be entering the smartwatch space.
The company was reported to have applied for the trademark rights to the term iWatch in several nations, including Japan and Russia.
The term has been casually used to refer to a rumoured Apple wrist-mounted iOS device, and it has been rumoured that Apple is working with third-party firms to develop such a device.
While the filings could indicate nothing more than an interest by Apple to trademark the term for possible use in the future, the move is helping to fuel further speculation that a new hardware offering from the company is on the way.
A wrist-mounted iOS device would be able to wirelessly sync with other iOS devices and could be used to display information such as song titles or data including time and weather conditions.
Earlier this month, a pair of reports suggested that Apple could be unveiling its iOS watch device as early as this autumn.
If an Apple smartwatch is introduced to the market, it would be thrown into competition with one of the hottest new names in the consumer electronics market. Following a historically successful Kickstarter campaign, the Pebble smartwatch is looking to hit the retail space with a store deal with US big-box firm Best Buy.
While Apple will no doubt bring its immense brand power and consumer appeal, the Pebble would have the advantage of having several months to establish itself on the market, potentially setting the stage for a retail showdown over the holiday shopping season.


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Drew Barrymore's half-sister found dead
July 31, 2014 - 10:22 am
- Drew Barrymore was the half-sister of the late Jessica Barrymore, found dead Thursday morning. (AP Photo)
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SAN DIEGO, Calif. (ABC NEWS/KGTV) - Drew Barrymore's half-sister has died.
Jessica Barrymore - who, like the actress, was the daughter of actor John Barrymore - would have turned 48 on Thursday.
"Although I only met her briefly, I wish her and her loved ones as much peace as possible," Drew Barrymore told ABC News in a statement. "I'm so incredibly sorry for their loss."
Barrymore, 47 was discovered early Tuesday in a car when a woman leaving for work found a car blocking her driveway, according to the local ABC affiliate KGTV.
According to the San Diego County Medical Examiner's Office, shortly after she was discovered in the car, the fire department confirmed that she was dead.
A cause of death has not yet been determined.


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Book your room at Springhill Suites Marriott Baltimore Downtown/Inner Harbor
Suite, 1 King BedMax Occupancy: 3 guests (up to 2 children, 2 infants)
Suite, 2 Double BedsMax Occupancy: 5 guests (up to 4 children, 4 infants)
Family-friendly Baltimore hotel in Downtown Baltimore, walk to USS Constellation
With a stay at Springhill Suites Marriott Baltimore Downtown/Inner Harbor, you'll be centrally located in Baltimore, steps from Battle Monument and minutes from Baltimore City Hall.
This family-friendly hotel is within close proximity of The Gallery and Baltimore Inner Harbor Marina.
Make yourself at home in one of the 99 air-conditioned rooms featuring refrigerators and microwaves. Wired and wireless Internet access is complimentary, while 32-inch flat-screen televisions with cable programming provide entertainment. Private bathrooms with shower/tub combinations feature complimentary toiletries and hair dryers. Conveniences include desks and complimentary weekday newspapers, as well as phones with free local calls.
Take advantage of recreation opportunities such as a 24-hour fitness center, or other amenities including complimentary wireless Internet access and concierge services. This hotel also features gift shops/newsstands and a television in the lobby.
A complimentary continental breakfast is included.
Featured amenities include complimentary high-speed (wired) Internet access, a 24-hour business center, and express check-in. Planning an event in Baltimore? This hotel has facilities measuring 571 square feet (51 square meters), including conference space.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
Public areas are equipped with complimentary high-speed wired and wireless Internet access. A 24-hour business center is on site at this 3-star property. A complimentary breakfast is offered. Event facilities measuring 571 square feet (51 square meters) include conference space. This family-friendly hotel also offers a 24-hour fitness center, gift shops/newsstands, and coffee/tea in the lobby. Parking is available onsite for a surcharge.
Springhill Suites Marriott Baltimore Downtown/Inner Harbor is a smoke-free property.
- Conference space size (meters) - 51
- Number of meeting rooms - 2
- Free WiFi
- Free wired high-speed Internet
- 24-hour business center
- Conference space size (feet) - 571
- 24-hour fitness facilities
- Number of floors - 11
- Number of buildings/towers - 1
- 24-hour front desk
- ATM/banking
- Free breakfast
- Concierge services
- Coffee/tea in lobby
- Free newspapers in lobby
- Express check-in
- Conference space
- Dry cleaning/laundry service
- Elevator/lift
- Express check-out
- Gift shops or newsstand
- Laundry facilities
- Total number of rooms - 99
- Safe-deposit box at front desk
- Smoke-free property
- Television in lobby
- Valet parking (surcharge)
Family Friendly Amenities
- Family Hotel
- Separate living room
- Free Wi-Fi
- Laundry facilities
- Sofa bed
- Refrigerator
- Microwave
- Cribs/infant beds (complimentary)
Available in all rooms: Free WiFi , Free wired high-speed Internet
Available in some public areas: Free WiFi , Free wired high-speed Internet
Valet parking (surcharge)
Room Amenities
- Separate living room
- Sofa bed size
- Free cribs/infant beds
- Cookware, dishware, and utensils
- Cable TV service
- Flat-panel TV
- Phone
- Private bathroom
- Air conditioning
- Climate control
- Coffee/tea maker
- Free weekday newspaper
- Free toiletries
- Desk
- Free local calls
- Hair dryer
- Daily housekeeping
- Iron/ironing board
- Microwave
- Pay movies
- Premium bedding
- Premium TV channels
- Refrigerator
- Shower/tub combination
- Sofa bed
- Free WiFi
- Free wired high-speed Internet
Where to Eat
Guests are offered a complimentary continental breakfast.
Nearby Things to Do
The recreational activities listed below are available either on site or nearby; fees may apply.
- Golfing nearby
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible path of travel
- Accessible bathroom
- Roll-in shower
- In-room accessibility
- Accessibility equipment for the deaf
- Braille or raised signage
Hotel Policies
Check-in time starts at 4 PM
Check-out time is 11 AM
Payment types
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
- No onsite parking is available.
- The name on the credit card used at check-in to pay for incidentals must be the primary name on the guestroom reservation.
Parking height restrictions apply
No rollaway/extra beds available
Noise-free rooms not guaranteed
- Valet parking fee: USD 32 per day
We should mention
This property's policy is to refuse certain bookings for the purpose of group events or parties, including pre-wedding stag/bachelor and hen/bachelorette parties. Children 17 years old and younger stay free when occupying the parent or guardian's room, using existing bedding. Only registered guests are allowed in the guestrooms.


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Immunity comes from within. Eternity is forever; life is a daily experience. Shut the door down and it is the end.
Keep seeking. No matter what happens or what is discovered, there is always something beyond that.

Or as the Sufis practice, examine beliefs, examine assumptions behind these beliefs and then, examine what is behind these assumptions.

So much of life is perception. What a wacky adventure!
never give up! so i go for seeking till eternity! :)
Already answered this, just worded differently. Seek help, but get out there!
You do not have to detach to find those things....... they are found with in you.
Keep seeking till eternity. If I give up, I may as well be dead.
I would ONLY seek something for so long before I gave up and moved onto the next.
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Phoenix Technology Holding Inc, Schimatic Cash Transactions Network DBA Smart Chip Technologies LLC, and TII Menalco Settle Lawsuit
LAS VEGAS, Nov. 2, 2010 /PRNewswire/ — Phoenix Technology Holding Inc. (PTHI), Schimatic Cash Transactions Network.com, Inc (SCTN), dba Smart Chip Technologies, LLC The International Investor K.S.C.C., Menalco, FZE (collectively "TII") have settled the lawsuit commenced in 2007. The settlement and dismissal was filed in the Nevada Federal Court on Friday, the 29th of October, 2010.
The Company's Management and its Board of Directors in consultation with our attorneys determined that it was in the best interest of Phoenix and SCTN to settle rather than continue the litigation. The cost to continue to trial would be prohibitive and when combined with the risks of continued litigation, it was clear that we should direct our resources and energy to projecting the value of the services that our companies bring to clients and customers that simultaneously build value for our shareholders.
CEO, Bernard F. McHale.
Note: More information concerning the parties in this press release can be found on their individual web-sites
PHOENIX TECHNOLOGY HOLDING INC (PTH)-For more information on the company, contact Bernard F. McHale, CEO by e-mail at firstname.lastname@example.com or firstname.lastname@example.com or by phone at 702 309 7051. More information is available on the company web-site at www.phoenix-tec.com
SCHIMATIC CASH TRANSACTIONS NETWORK INC DBA SMART CHIP TECHNOLOGIES LLC (SCTN) For more information on the company, contact Bernard F. McHale, CEO at by e-mail at email@example.com or Stephanie Mosqueda at 702 309 7052 or by e-mail at www.sctn.com
SOURCE Phoenix Technology Holding, Inc.


text:
Right: here's the rules of the game. We'll lob up a celebrity, and you try to pick their wheels.
We'll start the first one off nice and easy. Here's local 'hero' Mel...
ACP Magazines
Top Gear international sites: UKUSAAustralia
#xA9; 2010 Park Publishing. Published under licence from BBC Worldwide Ltd.
Car Bar full
Click to add cars to the Car Bar


text: Looking for polymar AR stripped lower [Archive] - Glock Talk Glock Talk > Firearms Forums > Black Rifle Forum > Looking for polymar AR stripped lower PDA View Full Version : Looking for polymar AR stripped lower AZson12-20-2012, 19:39Any companies have them? PM me. ottomatic12-20-2012, 21:36Don't know of ANY stripped polymer lowers (even as of a week ago). The last ones were Cavarms, but they have been out of business for a while. There is or was a company that was selling selling complete lowers. WoodenPlank12-20-2012, 22:56ATI has been offering them, but good luck finding ANY lowers in stock anywhere unless it is for extortion-level pricing. lawman80012-20-2012, 23:20I bought a few of the complete polymer lowers from... ugh... forgot the name... but they are out of AZ. Works fine. mgs12-21-2012, 06:30Just built one for a guy.......quality was good but I would not spend = money for what it is. He paid $120 and I get Stag/Rock River for $100 out the door w BG check. You won't see those prices for a while if ever again. eracer12-21-2012, 06:45Polymar... Sounds like a Klingon word. lawman80012-21-2012, 08:52Oh yeah, it's Plum Crazy, built lowers for around a buck fifty. Here are some from Enterprise for 109. http://www.calguns.net/calgunforum/showthread.php?t=660055 smokin76212-21-2012, 09:04Op, If you dont mind me asking, what is your goal to build? Is it a light weight AR and looking for a way to lose some weight? Is this build going to be for a pistol caliber carbine or dedicated .22lr upper? There are some knowledgeable people around here that can help you with the same goal in mind through a different route if you cant find what you need. Like using a pencil barrel for example with aluminum lower. Or what Handguards are the lighter models. vBulletin® v3.8.7, Copyright ©2000-2015, vBulletin Solutions, Inc.


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On June 12, 2012, US Citizenship and Immigration Services (USCIS) announced that as of June 11, 2012, a sufficient number of H-1B petitions had been received to fill the statutory cap of 65,000 for Fiscal Year 2013 (FY 2013). USCIS also announced that the cap of 20,000 additional H-1B visas available for individuals who hold US advanced degrees had also been reached. Any cap-subject H-1B petitions received by USCIS after June 11, 2012 seeking an employment start date in FY 2013 will be returned.
All individuals needing a cap-subject H-1B visa must wait now until April 1, 2013 to request H-1B status commencing October 1, 2013.
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Design Abroad | School of Visual Communication Design | Kent State University
Students who study abroad set themselves apart with an understanding of design as an international industry and how to employ intercultural sensitivity to their communication solutions. Students can participate in study abroad programs in the School of Visual Communication Deign and in the College of Communication and Information.
Design Abroad
Design Abroad in Berlin and Prague (Spring 2013)
Design Abroad is a 12-day learning adventure abroad, built into the Graphic Design 2 and Graphic Design Field Experience courses in the School of Visual Communication Design at Kent State University. The trip began in Berlin, a city that is the birthplace for modern design aesthetic and theory, home to the Bauhaus and many influential designers, and ended in Prague. The students visited an array of museums, landmarks and monuments that not only provided subject matter and content, but also context, inspiration and reflection on the birthplace of modern design. They explored the many changes and transformations Berlin has endured over the last century.
In the second week, the group traveled to Prague, a city that is immensely different, but only a short 175 miles away. Prague is one of the oldest cities in Europe and is an amazing site, as the medieval city center is virtually intact following World War II.
The course met weekly during the semester, before and after the trip (which fell partially during Spring Break). Students completed a variety of reading assignments and activities to prepare for the trip. After returning to Kent, students finished the studio project, and presented their work to the class.
Learn more at Design-Abroad.com or the group's blog on Tumblr.
CCI Florence Semester and Interdisciplinary Short Term Study Abroad
The College of Communication and Information (CCI) offers a range of study abroad options, so all CCI students can find one that meets their needs. Each semester a variety of short term study abroad options are available to all students in the college, such as the International Storytelling course.
The college offers a semester-long study abroad option in Florence, Italy that provides content to fit the academic, career and personal goals of CCI students, in coursework and individual projects that can help students progress toward their degree. CCI courses such as Documentary Filmmaking, Comparative Media and Intercultural Communication are offered regularly. All courses in Florence are Kent State courses.
The Kent State "campus" in Florence is made up of a medieval palace and a Renaissance palace in the heart of the city. Learn more about study abroad options at www.kent.edu/ccistudyabroad.
Browse the gallery below for photographs from the 2013 Design Abroad trip to Berlin and Prague.


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Aston Villa winger Charles N'Zogbia is backing Darren Bent to force his way back into manager Paul Lambert's first team plans.
NŌĆÖZogbia, 26, has backed England international Bent to prove his boss wrong.
ŌĆ£The manager will decide,ŌĆØ he said.
ŌĆ£What Darren has to do when he plays is to show a reaction,ŌĆØ he added at the launch of ŌĆśVilla VitalityŌĆÖ, a Premier League-funded childrenŌĆÖs obesity prevention programme which was launched in association with NHS Birmingham.
ŌĆ£Darren Bent is a fighter, so this will not be a problem for him.ŌĆØ
And NŌĆÖZogbia added: ŌĆ£Maybe heŌĆÖll miss the odd game and be on the bench but when he starts playing, heŌĆÖs going to score.ŌĆØ


text:
|« Back to Article
Wildfires could move Texans-Chargers game
By John McClain | October 22, 2007
Photo By Chris Carlson/APQualcomm Stadium is an evacuation site in southern California.
The wildfires burning out of control in San Diego County might force the Texans to play the Chargers in Arizona, possibly Monday night.
Qualcomm Stadium's parking lots are being used as an evacuation center for residents forced to abandon their homes.
The Chargers, who are coming off an open week, are moving practice this week to Arizona and will occupy the Cardinals' facility. Arizona is in its open week.
Because of logistics, the Chargers and Texans can't wait until the last minute to know if their game will be in San Diego or moved to either University of Phoenix Stadium or Sun Devil Stadium.
"We are monitoring the situation and staying in touch with the Chargers and with the Texans," said Greg Aiello, the NFL's senior vice president of public relations.
The Cardinals' stadium is booked for a motorcycle show Sunday, which might force the game into prime time.
"It's been mentioned to me that we may play Sunday night or Monday night," Texans coach Gary Kubiak said Monday. "If we do, we'll just have to adjust.
"You're concerned for people in (San Diego County) in those fires. I've been through that in Denver (fires coming down from the mountains affecting coaches' homes), and that's a horrible thing. You just keep them in your prayers, and we'll figure out what to do with the game."
Wildfires fanned by fierce winds forced the evacuation of nearly 250,000 people in the county.
Four years ago, the Chargers were forced to move a Monday night game against Miami to Tempe, Ariz., under similar circumstances.
At least 40 members of the Chargers' organization, including star running back LaDainian Tomlinson, have had to evacuate because of the wildfires.
Chargers center Nick Hardwick said players were asked at a team meeting Monday to raise their hands if they were affected, "and at one point, three-quarters of the room raised their hands. There were some pretty long faces this morning. A lot of coaches and people upstairs have to deal with this."
The Associated Press contributed to this report.


text:
As of Thursday, August 22, 2013
© Copyright 2015 Gwinnett Daily Post
A 15-year-old Atlanta boy received a new heart on Tuesday evening, just 10 days after his family complained he was unfairly rejected for a transplant because of past failure to take medicine and show up for doctors' appointments, local media reported.
Anthony Stokes, who has a weakened, enlarged heart that cannot pump blood efficiently, could have less than six months to live without a transplant, his family said last week. A few days later, the hospital reversed course and added him to its waiting list.
Stokes received a heart transplant Tuesday, a family spokesman told the Atlanta Journal-Constitution. He was in the intensive care unit of Children's Healthcare of Atlanta Wednesday, the hospital said.
Citing patient privacy, the hospital would not release further details of the case but said it has performed 10 heart transplants so far this year, three in the past week.
More like this story
- Family says Ga. boy ruled out as heart transplant candidate ( August 12, 2013 )
- Needed: People who are all heart for donations ( April 11, 2009 )
- Buford man receives life-saving heart transplant ( December 24, 2013 )
- Cheney out of hospital after getting new heart ( April 3, 2012 )
- 'Miracle workers': Dacula girl recipient of Children's Healthcare's 300th liver transplant ( August 5, 2009 )


text:
Cushing's Disease: A Threat to Older Dogs
By: Jennifer Stone
University of Illinois College of Veterinary Medicine
Cortisol is an essential hormone for normal body function and is released in times of illness, stress, pain, and injury to help the body cope with these stressful events. When an excessive amount of cortisol is produced, however, the effects can be harmful and even fatal.
Dr. Jana Gordon, a former resident in internal medicine at the University of Illinois Veterinary Teaching Hospital in Urbana, says, "Cortisol is a steroid hormone released by the adrenal glands. In older animals, especially dogs, the adrenal glands secrete excess cortisol due to either a tumor in the pituitary gland of the brain or a tumor in the adrenal glands themselves. The tumor results in the production of large amounts of cortisol in excess of what the body needs." This condition is called Cushing's disease.
"The incidence of the two types of Cushing's disease can vary with dog breed and body size," says Dr. Gordon. "Smaller-breed dogs tend to get tumors of the pituitary gland, whereas larger-breed dogs are more likely to develop tumors of the adrenal gland.
In both cases, an excess amount of cortisol is released into the body, causing many problems. Cortisol can reduce the ability of the kidneys to reabsorb water, which causes the loss of large amounts of water in the urine. This means that a dog with Cushing's disease may urinate much more than usual and may drink large amounts of water in an attempt to replace the water lost by the kidneys. Some dogs also become ravenously hungry as a result of excess cortisol on the appetite centers of the brain.
Having excess steroids in the system over a long period can also cause muscle wasting, redistribution of body fat, and an enlarged liver resulting in the classic "pot-bellied" appearance seen in dogs with hyperadrenocorticism. Symmetrical hair loss in the trunk area can also occur as a result of the effects of excess cortisol on the hair follicles. Other skin problems such as thinning of the skin, fragile skin, and infections of the skin are due to the effect of cortisol on immune function.
Complications of Cushing's disease include increased risk of infection, high blood pressure, congestive heart failure, pancreatitis, diabetes mellitus, and blood clotting abnormalities. If the disease is left untreated, the animal will most likely succumb to the disease and its complications.
Many treatments are available for animals that develop Cushing's disease. If the disease is caused by a tumor of the adrenal glands, the best treatment is surgical removal of the tumor. If this is not possible, for example, if the tumor has spread to other tissues (metastasized), then oral medications are available that can temporarily decrease the amount of cortisol produced.
Tumors of the pituitary gland can be either large (macroadenomas) or small (microadenomas). The large tumors are rare and treated with radiation therapy followed by oral medication. The microadenomas are typically treated with oral medication alone. Because the pituitary gland is located in the brain, surgery is not generally recommended.
"Regardless of breed, treatment can often help a beloved pet live longer, extending its lifespan by an average of about 18 months," says Dr. Gordon.
If you have a pet that may be displaying signs of Cushing's disease, please contact your local veterinarian. Treatment for any disease usually works best when the problem is spotted early.


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Mon-Fri: 7am-1am EST / Sat-Sun: 7am-11pm EST
ApplianceFrigidaire Dryer
Level of DifficultyEasy
Time to do repair1- 2 hours
Age of ApplianceMore than 10 years
Screw drivers
0 out of 1 people found this instruction helpful
Unplugged dryer, pulled up on top panel to remove it. Removed a couple screws holding front panel to sides, and unplugged wiring harness. Removed front panel. Removed yellow plastic stop with one screw on top cross brace to allow removal of drum. Disengaged belt by cutting it since I was replacing it anyway. Lifted up on drum to disengage from rear bearing and carefully removed it. Removed old Drum Glide, cleaned surface and used included glue to attach new Glide. While glue was setting, vacuumed everything thouroghly and collected loose change. Replaced the two ignition coils by removing two screws and the retaining plate. Re-greased the rear bearing with high temp grease, and placed the new belt around drum. Make sure belt tensioning arm and spring are in place before replacing drum. Carefully insert the drum into rear bearing so as not to disturb the tensioning arm and spring. Lay on the floor and reach around each side of the motor to place the belt on the drive motor pulley and then carefully pull back tensioning arm to get the belt on that pulley. (This is the hardest part of the job.) Replaced the front and top covers in reverse order of above, plugged it in and it workes like new!
Help other customers find the most helpful instructions.
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Part Number: PS470049
Part Number: PS470317
Part Number: PS1148434
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The PartSelect logo is a Registered Trademark of Atlantic Laundry Centres, Ltd.
Copyright © 1999-2015 , Eldis Group Partnership. All rights reserved.


text:
Union Pacific Corp (NYSE:UNP)
Union Pacific is a leading rail freight carrier, its UP Railroad covering more than 32,000 miles in 23 states.
- Quote
- Commentary
- Scorecard
- Historical Prices
- Chart
- Stats
- Ratios
- Earnings/Growth Rates
- Statements
- SEC Filings
- Show Me:
- Sort by:
25% of highs
solid growth at a reasonable price, plus a great underlying business.
mgk, s&p 4 star, 108.44
UNP has high dividend growth at an acceptable yield.
UNP has met or exceeded analysts consensus earnings estimates for the last 6 reporting quarters. Both consensus earnings estimates and price targets are rising. Short term, the stock is oversold. Warren Buffett recently stated UNP is the best run railroad. It is also the largest (market cap). A safe and steady ride with this one.
A Grand Adventure Dividend Holding:
A Consistent track record.
Union Pacific has found itself greatly benefiting from an explosion in energy production in North America. Now responsible for moving nearly a-third of frac sand, Union Pacific has become indispensable to the oil industry. Just as needy, farmers are experiencing additional consternation due to concerns over finding enough capacity in the rail systems to move their goods to market. At least to me, it seems that, in the absence of government meddling, Union Pacific should have some pretty significant pricing power. After all, building a railroad takes significant capital and time: something that not just any newcomer can come do overnight. As long as Union Pacific can address concerns related to weather and clogged rail systems, investors could see great returns from this investment. Long Term.
This is a long-term buy and hold stock for anyone that wants a solid investment which will allow them to sleep comfortably while paying a small quarterly dividend as a bonus.
20% profit and steady dividend growth are two very good reason that UNP will outperform the S&P 500.
Rail is one of the cheapest ways of shipping stuff, if not the #1 cheapest way of shipping stuff. Very solid company.
A solid company outperforming others in the rail industry.
a solid railroad
They have everything in place to continue growing.
increasing shipments of coal to China and growing demand for automobiles. Strongest financials of the railroads.
Come on, it's Union Pacific, do I have to explain it?
R&Rs are hard to duplicate = moat
Simply put the best railroad in the country.
undervalued railroad
Pair of day: CP-UNP
The price ratio of stocks CP (Canadian Pacific Railway Limited) and UNP (Union Pacific Corp.) is currently at the local extremes above its average. The correlation of these two stocks is very high (long term yearly correlation 91%, short term monthly correlation 22.92%) and thus we might ass0.ume that the price ratio of both stocks might return to its average. To prosper from this potential setup, we will track the trade of short CP from its price 142.05 and long UNP from its price 154.2


text:
Join Czech AV
Update Notes
Updated on: 05/02/2015
Since we last visited CzechAV...
- You'll find over 960 videos and more than 285 photo sets and they continue to update on a daily basis.
- The network has expanded its repertoire of 20 sites to include 25.
The "AV" in Czech AV stands for "authentic videos." A lot of websites claim that their movies star genuine amateurs in action, but that's not always the case. I don't have surefire proof it's the case here either, but it certainly seems like it. With a membership you get access to 25 porn sites. They all feature beautiful women from the Czech Republic who can mostly be seen engaging in various forms of sexual satisfaction.
Those who enjoy girl-on-girl shenanigans will want to check out the collection on Czech Lesbians. If you prefer to watch several women and men have a good hardcore time then Czech Mega Swingers and Czech Parties will soothe your lustful cravings.
If you want amateurs, Czech Casting will float your boat. On Czech Amateurs you can follow couples as they get intimate, run errands and do chores. The videos can be pretty lengthy, too. Czech Streets will be right up the alley of those who like reality porn.
CzechAV couldn't be any simpler to navigate. Once logged in you'll see the current updates on the homepage. Each one is clearly marked with its specific sitename and the date it was added. Speaking of dates, I might as well tell you now that you'll be getting something new every day - and sometimes more than one scene. If you just want the movies from one particular site, you can click on that site from a list.
When you add up everything on the different sites, there are over 2,548 videos. You'll also find 1,291 photo sets, but you should know that they all come from the casting site. You can stream the movies in an embedded player and save them as MP4 and Windows Media files. The majority of the WMVs are offered in HD.
All the dialogue is in Czech, but there are English subtitles to help you follow along, which is great. There's a lot of talking and I think I would get pretty lost if I didn't have the help. There's one lesbian scene where the cameraman really wants some action from the girls, but they're not having any of it. He tries his hardest to convince one chick to let him dip his lovestick in her wet honey pot, but she's far too into her Sapphic encounter.
None of the chicks are polished pornstars and that really added a big appeal for me. They are all superhot, though, and just so normal looking. These chicks are real and they totally get into whatever sex act they're performing, making for incredibly intense scenes.
Speaking of intense, those swinger videos don't just feature a couple of people. I checked out one part and I didn't even know where to look. There was moaning in my ears and cocks penetrating pussies all over the place! The camera does a good job of capturing a little of everything, though.
If Czech chicks really get your blood pumping, then Czech AV is the place to get your filthy fill. You can't beat the daily updates and the video quality is high. It's also nice that the content is 100% exclusive.
* Please include a pro and a con about the site. Balance is essential in making a comment worthwhile. Scores without comments will be deleted.
* Watch out for ratings of zero and 100. In our opinion, there is no such thing as a site that is absolutely perfect or completely worthless.
Score: 25% Date: 08/28/2013
I don't normally comment on a site but I have to say that this one is below par.....
Pro: Lots of material
Con: V poor camera work. I felt I was on a ship rolling around in a storm. There's constant panning, zooming in and the camera is hardly ever held still. Perhaps this is all part of the 'amateur' nature of the site. Also there are loads of sub titles which one cannot switch off and which detract from viewing the video.
I downloaded selections from each of the sites on offer but after reviewing them I have deleted them all.
Score: 80% Date: 09/06/2012
Czech AV has a lot of content and good video quality. The actors and actress looks like real amateurs and they are very horny. But there are no updates --> one month is enough.
In my opinion are the Czech AV sites much better as Chickpass.


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What is the ReStore?
Habitat for Humanity's ReStore accepts donated goods and building materials for resale to the public, providing an environmentally and socially responsible way to keep materials out of the waste stream while providing funding for Habitat's community improvement work.
When is the store open for sales or to accept donations?
The ReStore is open for sales and donations Monday-Friday, 9 am-5:30 pm & Saturdays 9 am-4pm. Closed on Sundays.The ReStore is located at:
1249 13th St. SE
Salem,OR 97302
(around the corner from the Habitat office, facing Wilbur St SE)
Phone: 503-485-4845
What items are accepted for donation?
Habitat ReStore accepts donations of clean, working items. Because Habitat for Humanity of the MId-Willamette Valley is a 501(c)3 nonprofit, each material donation is tax-deductible to the full extent of the law.
ReStore Accepts
ReStore Does Not Accept
*We are no longer able to accept dishwashers, please click link above for other items that we are unable to accept. Also, because of the Reduction of Lead
in Drinking Water Act reduces the allowable level of lead in most plumbing
products and affiliates will not be able to install or sell in ReStores any non-compliant
product after Jan. 4 2014.
Can I volunteer in the ReStore?
Yes! From receiving and donation pick up and working with customers to stocking and managing special projects, ReStore volunteers are needed to help with a variety of tasks. Volunteers are needed Monday-Friday, 9 am-5:30 pm & Saturdays 9 am-4pm- special need for volunteers between 2-5:30 pm. For more information call 503-485-4845.
Schedule a ReStore Donation Pick-Up
Click on the button above to volunteer at the ReStore.
Click here to view the volunteer calendar
Habitat for Humanity of the Mid-Willamette Valley | Office: 1220 12th St. SE Salem, OR 97302
Mail: 4676 Commercial St. SE #332, Salem, OR 97302 | office: 503-364-6642 | ReStore: 503-485-4845
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Maple Lawn
Howard County, MD
- Single Family Homes
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Builders: 4
Price Range:
The Mid $500's to
The Mid $900's
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Search area retail establishments, schools, and services that are important to you when looking for your new new home.
Columbia's initial plan called for a minibus system connecting the village centers on a distinct right-of-way that allowed denser development along the route. The routes were not constructed, though minibuses were operated by the Columbia Association under the name ColumBus. These were eventually taken over by Howard County. Six Howard Transit bus routes now serve Columbia and connect it with its neighboring areas (such as Ellicott City and BWI Airport), while several Maryland Transit Administration (MTA) routes provide access to and from both Washington and Baltimore. MTA weekday commuter bus service connects Columbia to the Washington Metro system. There are no rail stations within Columbia, although the Dorsey MARC Train station is served by Howard Transit buses.
Columbia has a number of roadways that serve the city: U.S. Route 29, Interstate 95, MD 32, MD 108, MD 100, and MD 175. All of these highways allow Columbia access to nearby Baltimore, Washington, D.C. and Annapolis.
View communities with available new homes for sale in Columbia, MD.
Do you like Columbia, MD?
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Winter Weather Workouts
Be safe, enjoy the fact that we have four seasons
It's deep in the heart of winter. For the most part, it is getting colder. You've partially recovered from the frantic holiday season and now you are enduring re-entry to the routine.
And you've kept up your exercise routine, right? Check one:
Yes, of course.
Well, there are only 24 hours in a day, and with all that's been going on, you've got to cut somewhere, so, well, maybe not.
What exercise routine?
Take heart. The long weeks of winter, maligned as calendarial wasteland worthy of little more than saying "pass the doughnuts," might be your opportunity for getting back to exercising, starting a program of healthy physical activity or retooling a regimen that's been slowly boring you to hibernation.
Cold weather is no excuse not to exercise, said Becky Melchior, wellness manager at the Evansville YMCA. If you're healthy and properly dressed, on most winter days in Southern Indiana you'll be feeling pretty toasty after 10 minutes of jogging or brisk walking.
If that doesn't work for you, Melchior suggested — as you'd expect — the Y locations in town: "We have heat and light here," she said. Also running courses, swimming, exercise rooms and more, as do other local athletic and workout clubs.
Outdoors, Melchior said, a couple of running groups are continuing, offshoots from training for the annual YMCA Half-Marathon that draws hundreds of runners and walkers in October. Groups congregate at the Downtown Y on Tuesday and Thursday nights and Saturday mornings, set a course and take off. Attendance varies between 10 to 30 per session. Melchior recommends running in a group: "To me, it doesn't seem nearly as cold if you're running with someone else."
Camaraderie among runners, swimmers or other exercisers also can keep you at it, helping resist the temptation to stay on the couch. It's another reason to get out there when you're feeling lazy.
Health clubs and gyms are seeing increased traffic from those who've resolved to get fit this new year. It'll give a new intern at the Y plenty of people to observe in a study of "stick-to-it-iveness" (or lack of) in fitness programs.
Melchior acknowledged lots of exercise vows made at the new year are broken before the snow stops flying. But, she said, if people find "their connection," they stay at it.
"You may find your niche working on a machine, or doing something as a family, or your thing might be swim classes," said Melchior. "For the new exercisers, it's not something they always find out right away."
If you're an experienced exerciser who stays the course, but occasionally finds the course a little too predictable, it might be time for changes. Sometimes it's as simple as running your jogging course in reverse or adding a new leg to it. Maybe concentrating a while on a new swim stroke will freshen the routine.
If you're really feeling venturesome, check around for something that fits your style and price range. Maybe martial arts is for you. Some establishments are always coming up with stuff you've perhaps never heard of. If you're no longer looking in the Bible for Pilates, maybe Piloxing is for you. It blends Pilates (for muscle sculpting) with boxing (strength, cardio workout) and dance (fun). The Y has been training instructors for it.
If you have a specific goal in exercising, make sure your choice of exercise will accomplish what you want. For example: Looking to enhance bone health? Think walking, jogging, hiking, dancing, stair climbing or golf. These weight-bearing activities — you do them on your feet and legs while working your bones and muscles against gravity — strengthen bones. Swimming or bicycling won't help much.
Swimming also is not optimum for weight loss. Swimming does exercise most of the body, is relaxing and provides a change-up if you wish to exercise daily but find that jogging strains feet and legs too much.
A final note: If you're committed to exercising outdoors this winter, safety first.
If you're a walker or runner, remember that, although pedestrians always have the right of way, in a contest with a vehicle pedestrians never win. Walk or jog where vehicular traffic is lighter (you'll also breathe fewer noxious fumes). Remember that pedestrian safety lesson from first grade: Stay on the left side, facing traffic. Look and listen — don't trust your ears alone. Wear white or reflective clothing.
Extreme cold can be especially dangerous to individuals with asthma, heart disease or circulatory deficiencies. It is good to check with a doctor to see what limitations are necessary.
Guard against dressing too warmly. Dress in layers so you can remove a layer when you sweat, but put it on again when you cool down — especially important if you alternate walking and running.
Mayo Clinic suggests a thin polypropylene layer next to the skin to draw sweat away from the body, adding a layer of fleece or wool for insulation topped by a "waterproof, breathable outer layer."
In extreme cold: Protect ears with a hat or headband; hands with gloves (try a thinner pair of gloves under a larger pair or mittens); feet with shoes slightly large to accommodate a double layer of socks.
And if temperatures dip well below zero or wind chills get to dangerous levels, back off. Just as in summer, not every day is going to be fit for outdoor exercising.
Subscribe to the Courier & Press or The Gleaner
Need Help? Call us at 1-877-304-7771.
Monday-Friday: 6am-5pm / Saturday: 6am-11am / Sunday: 7am-Noon


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"Unofficial" Battlefield 4 Benchmark/Review
View Single Post
ZapaFAILmaster of Merwang
Join Date: Jun 2007
Location: Carson, CA
Posts: 3,133
Re: "Unofficial" Battlefield 4 Benchmark/Review
You know, I missed the BF3 boat. I can tell you right now that I've been doing a lot of benchmarking lately. I found out that the low FPS on this benchmark was due to the motherboard. I tried finding out what was causing horrible FPS, and it turns out the ASrock Extreme4 970 throttles the CPU. My CPU would drop to about 1.4Ghz when the MOSFETs would reach 38C. I'm surprised nobody pointed it out, even with the CPU-Z screen shot I just now paid attention to. I've since replaced it with an Asus Sabertooth 990FX and I average 35-40 FPS on Ultra 2xAA, and about 45-50 with AA off, depending on the map. Another contributing problem was an unstable GPU OC. I my FPS would drop about 30% while my GPU was overclocked. I found a stable OC and OV for the GPU and now average much better. I will post the charts asap.
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I don't want to get you drunk, but, ah, that's a very fine Chardonnay you're not drinking.
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Pronunciation: posseïdor
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After seeing its sales volume fall by 19% in the second quarter, DuPont managed an 11% increase in third-quarter profits. However, persistent weak demand for the company's late-cycle products such as Nomex and Kevlar slightly dampened performance results. The nascent recovery in the chemical market "is shaped different by market and geography," said DuPont CEO Ellen Kullman.
View Full Article in:ICIS News (U.K.) · Wall Street Journal, The
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2002 BEST Back Bay Restaurant, Neighborhood
Fans of this American bistro mourned the day when its owners moved from the original South End location. But Geoffrey's new, larger location in the Back Bay (complete with an outdoor patio for enjoying the view along the Commonwealth Avenue Mall) has all the familiar elements of the old Geoffrey's, from the dark red walls to such popular menu items as the seared ahi tuna and garlic mashed potatoes.
Be respectful of our online community and contribute to an engaging conversation. We reserve the right to remove impersonators or personal attacks, threats, profanity, or flat-out offensive comments. By posting here, you are permitting Boston magazine and Metro Corp. to edit and republish your comment in all media.


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Shoaib Akhtar stirred up a major controversy when he launched his autobiography — Controversially Yours — here on Friday.
The Pakistan speedster has confessed to having tampered with the ball and also questioned the class and temperament of India's batting icons, Sachin Tendulkar and Rahul Dravid. Akhtar has dismissed Tendulkar thrice in Tests and five times in ODIs.
Akhtar claims that Tendulkar was "scared to face his scorching pace" even on a slow Faisalabad track in 2006.
He wrote, "I bowled (Sachin) a particularly fast ball which he, to my amazement, didn't even touch. He walked away! That was the first time I saw him walk away from me — that, too, on the slow track at Faisalabad."
He mocked at Tendulkar and Dravid's greatness, saying the two lacked the art of finishing matches.
"I think players like Sachin and Rahul weren't exactly match-winners to start with, nor did they know the art of finishing a game," he observes in his book.
Meanwhile, when asked by some television channels about Akhtar's remark, Tendulkar declined to comment. "It is below my dignity to react to Shoaib's comment," he said.
In his book, Akhtar says, "Vivian Richards, Ricky Ponting, Brian Lara and the likes of them are great batsmen who dominated with the bat and were truly match-winners. Initially, when I bowled against Sachin, I found these qualities missing. He might have had more runs and records, but he lacked the ability to finish the game."
Ball tampering
On his fellow Pakistan fast bowlers, Akhtar noted, "Almost all Pakistani fast bowlers have tampered with the ball. I may be the first one to openly admit to it but everybody is doing it. To be honest, every team in the world tampers with the ball. We probably started it but no team is innocent and virtually every fast bowler does it. That is the only way to survive because the wickets are so slow."
Akhtar, who retired during the last World Cup, reveals in the book how he worked on the ball during the three-nation tournament in Sri Lanka after the 2003 World Cup.
"I have tampered with the ball on many occasions," he admits. He also alleges that a Pakistan bowler switched the ball in the umpires' pocket with one that reversed like crazy.
Akhtar also offers a solution to the problem of ball tampering. "The only way to stop this is for the ICC to ensure that at least some pitches are prepared in favour of the bowlers."
Harbhajan's take
Off-spinner Harbhajan Singh has slammed the Pakistan paceman. "I do not know what Akhtar is up to and what made him say that. If you talk about Sachin, I would say he is the best cricketer in India.
Meanwhile, the Pakistan board distanced itself from Akhtar's remarks, saying he was no longer associated with the board and was free to do whatever he wants.
Keywords: Controversially Yours, Match winners, IPL, PCB, Shoaib Akhtar


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Cheap JAN to Rockford flights
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Route information for flights from Evers Intl. to Greater Rockford.
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Browse the most popular airlines servicing the Jackson (JAN) airport. Visit their flights pages to learn more about the most popular routes these carriers fly.


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Ep. 59- Maggie Wiggin From Metsblog Joins The RA Crew
in Sports
Join us at 6:30 tonight when Maggie Wiggin from Metsblog chats Mets baseball with Sam Maxwell, Danny Abriano, and Rich Sparago. We'll talk about Jeff Wilpon, Eric Young, Jr, Noah Syndergaard, and other topics of the day as the Mets kick it in gear down in Port Saint Lucie.
This will be a fun and informative podcast. Join us live if you can!
The Happy Recap Radio Show-Special Edition-4/24/15
in Sports
We take a "mid week" (aka late week) look back at the best homestand in Mets history, the record tying 11 game winning streak, and look ahead to the weekend series in the Bronx with our good friend Matthew Cerrrone from Metsblog.
The Happy Recap Radio Show 2/8/15
in Sports
We look back at the Hot Stove and ahead to Spring Training with our good friend, Maggie Wiggin from Metsblog
Ep. 97 - The Ol' Man and the Nats of DC
in Sports
The Rising Apple Report is back for its 97th episode! Rich Sparago hosts, with Mike Lecolant joining him from the Rising Apple team. Also joining them today is USA Today: For The Win's Ted Berg.
On today's show, the fellas will discuss the anointing of Bartolo Colon as the opening day starter, something Ted recently weighed in on. They will also discuss the middle infield and the possible roster ramifications of Daniel Murphy's hamstring injury.
The lefty situation is something that doesn't seem to be going away, and they will give their two cents on what they think the Mets will do in the bullpen southpaw-wise come April 6th.
And Ted Berg has done some "real journalism" over the offseason, including documenting the less-than-minimum-wage minor league players play for, and profiling Madison Bumgarner's offseason "routine." Ted will offer insight on his experiences covering the former's legal strifes and the latter's life on an NC farm.
Plus, we will of course look back on the 1997 New York Mets, as we hit on our 97th episode.
So, join us at 9pm ET for our latest edition of the Rising Apple Report!
Open Mike: MLB Hot Stove Report
in Sports
Tonight, Michael welcomes Michael Baron of MetsBlog to get the latest on the MLB Hot Stove, and the latest on the Mets off-season. With Spring Training weeks away, it is now crunch time for MLB teams to make moves for 2015.
Blue & Orange Nation Talking Mets Podcast 2/19/15
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The Blue & Orange Nation Talking Mets podcast celebrates pitchers and catchers reporting to spring training with an all new podcast. Hosts Vinnie and Mike will be talking Mets spring training with special guest Michael Baron, formerly of Metsblog and part of the upcoming MLB Mets Blog project. Sports radio favorite Artie from Brooklyn will be calling in to rant as well.
The Happy Recap Radio Show 12/21/14
in Sports
We'll look at the Mets' offseason progress below, favorite moments of 2014 and a look ahead to 2015 with Matthew Cerrone (@metsblog) of Metsblog
The Happy Recap Radio Show 11/2/14
in Sports
We open up the Hot Stove season proper with our good friend, Maggie Wiggin from Metsblog!
The Kult Of Mets Personalities
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Join the "Kult" Of Mets Personalities on WBAR Radio, New York every Saturday morning at 8:30AM EST and downloadable anytime.
Listen to popular figures in NY Met Nation break down the latest news, drama and provide needed therapy for the broken fan.
Hosted By:
Matt Faz @mattyfaz31
Stephen Keane @kranepool , Nik Kolidas @nikkolidas, Gene Anthony @ Dave Singer @ MetsBlue
Thanks for subscribing, and sorry about the old podcasts...
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Quick message from Matthew Cerrone...
The Happy Recap Radio Show 11/23/14
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We'll talk Hot Stove Mets with Michael Baron (@michaelgbaron) from Metsblog.com!
9/19: Darryl Strawberry talks to MetsBlog
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Former-Mets OF Darryl Strawberry talks with Matthew Cerrone of MetsBlog.com about baseball, as well as his work with Autistic children.
Interview begins at 1 minute, 15 seconds.
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