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An "indemnity" policy will never pay claims until the insured has paid out of pocket to some third party; for example, a visitor to your home slips on a floor that you left wet and sues you for $10,000 and wins. Under an "indemnity" policy the homeowner would have to come up with the $10,000 to pay for the visitor's fall and then would be "indemnified" by the insurance carrier for the out of pocket costs (the $10,000).
Under the same situation, a "pay on behalf" policy, the insurance carrier would pay the claim and the insured (the homeowner) would not be out of pocket for anything. Most modern liability insurance is written on the basis of "pay on behalf" language.
An entity seeking to transfer risk (an individual, corporation, or association of any type, etc.) becomes the 'insured' party once risk is assumed by an 'insurer', the insuring party, by means of a contract, called an insurance 'policy'. Generally, an insurance contract includes, at a minimum, the following elements: the parties (the insurer, the insured, the beneficiaries), the premium, the period of coverage, the particular loss event covered, the amount of coverage (i.e., the amount to be paid to the insured or beneficiary in the event of a loss), and exclusions (events not covered). An insured is thus said to be "indemnified" against the loss events covered in the policy.
When insured parties experience a loss for a specified peril, the coverage entitles the policyholder to make a 'claim' against the insurer for the covered amount of loss as specified by the policy. The fee paid by the insured to the insurer for assuming the risk is called the 'premium'. Insurance premiums from many insureds are used to fund accounts reserved for later payment of claims—in theory for a relatively few claimants—and for overhead costs. So long as an insurer maintains adequate funds set aside for anticipated losses (i.e., reserves), the remaining margin is an insurer's profit.
Insurers make money in two ways: (1) through underwriting, the process by which insurers select the risks to insure and decide how much in premiums to charge for accepting those risks and (2) by investing the premiums they collect from insured parties.
The most complicated aspect of the insurance business is the underwriting of policies. Using a wide assortment of data, insurers predict the likelihood that a claim will be made against their policies and price products accordingly. To this end, insurers use actuarial science to quantify the risks they are willing to assume and the premium they will charge to assume them. Data is analyzed to fairly accurately project the rate of future claims based on a given risk. Actuarial science uses statistics and probability to analyze the risks associated with the range of perils covered, and these scientific principles are used to determine an insurer's overall exposure. Upon termination of a given policy, the amount of premium collected and the investment gains thereon minus the amount paid out in claims is the insurer's underwriting profit on that policy. Of course, from the insurer's perspective, some policies are winners (i.e., the insurer pays out less in claims and expenses than it receives in premiums and investment income) and some are losers (i.e., the insurer pays out more in claims and expenses than it receives in premiums and investment income).
An insurer's underwriting performance is measured in its combined ratio. The loss ratio (incurred losses and loss-adjustment expenses divided by net earned premium) is added to the expense ratio (underwriting expenses divided by net premium written) to determine the company's combined ratio. The combined ratio is a reflection of the company's overall underwriting profitability. A combined ratio of less than 100 percent indicates underwriting profitability, while anything over 100 indicates an underwriting loss.
Insurance companies also earn investment profits on "float". "Float" or available reserve is the amount of money, at hand at any given moment, that an insurer has collected in insurance premiums but has not been paid out in claims. Insurers start investing insurance premiums as soon as they are collected and continue to earn interest on them until claims are paid out.
In the United States, the underwriting loss of property and casualty insurance companies was $142.3 billion in the five years ending 2003. But overall profit for the same period was $68.4 billion, as the result of float. Some insurance industry insiders, most notably Hank Greenberg, do not believe that it is forever possible to sustain a profit from float without an underwriting profit as well, but this opinion is not universally held. Naturally, the "float" method is difficult to carry out in an economically depressed period. Bear markets do cause insurers to shift away from investments and to toughen up their underwriting standards. So a poor economy generally means high insurance premiums. This tendency to swing between profitable and unprofitable periods over time is commonly known as the "underwriting" or insurance cycle.
Property and casualty insurers currently make the most money from their auto insurance line of business. Generally better statistics are available on auto losses and underwriting on this line of business has benefited greatly from advances in computing. Additionally, property losses in the US, due to natural catastrophes, have exacerbated this trend.
Finally, claims and loss handling is the materialized utility of insurance. In managing the claims-handling function, insurers seek to balance the elements of customer satisfaction, administrative handling expenses, and claims overpayment leakages. As part of this balancing act, fraudulent insurance practices are a major business risk that must be managed and overcome.
Turning to insurance in the modern sense (i.e., insurance in a modern money economy, in which insurance is part of the financial sphere), early methods of transferring or distributing risk were practised by Chinese and Babylonian traders as long ago as the 3rd and 2nd millennia BC, respectively. Chinese merchants travelling treacherous river rapids would redistribute their wares across many vessels to limit the loss due to any single vessel's capsizing. The Babylonians developed a system which was recorded in the famous Code of Hammurabi, c. 1750 BC, and practised by early Mediterranean sailing merchants. If a merchant received a loan to fund his shipment, he would pay the lender an additional sum in exchange for the lender's guarantee to cancel the loan should the shipment be stolen. Achaemenian monarchs of Iran were the first to insure their people and made it official by registering the insuring process in governmental notary offices. The insurance tradition was performed each year in Norouz (beginning of the Iranian New Year); the heads of different ethnic groups as well as others willing to take part, presented gifts to the monarch. The most important gift was presented during a special ceremony. When a gift was worth more than 10,000 Derrik (Achaemenian gold coin) the issue was registered in a special office. This was advantageous to those who presented such special gifts. For others, the presents were fairly assessed by the confidants of the court. Then the assessment was registered in special offices.
The purpose of registering was that whenever the person who presented the gift registered by the court was in trouble, the monarch and the court would help him. Jahez, a historian and writer, writes in one of his books on ancient Iran: "[W]henever the owner of the present is in trouble or wants to construct a building, set up a feast, have his children married, etc. the one in charge of this in the court would check the registration. If the registered amount exceeded 10,000 Derrik, he or she would receive an amount of twice as much."
A thousand years later, the inhabitants of Rhodes invented the concept of the 'general average'. Merchants whose goods were being shipped together would pay a proportionally divided premium which would be used to reimburse any merchant whose goods were jettisoned during storm or sinkage.
The Greeks and Romans introduced the origins of health and life insurance c. 600 AD when they organized guilds called "benevolent societies" which cared for the families and paid funeral expenses of members upon death. Guilds in the Middle Ages served a similar purpose. The Talmud deals with several aspects of insuring goods. Before insurance was established in the late 17th century, "friendly societies" existed in England, in which people donated amounts of money to a general sum that could be used for emergencies.
Separate insurance contracts (i.e., insurance policies not bundled with loans or other kinds of contracts) were invented in Genoa in the 14th century, as were insurance pools backed by pledges of landed estates. These new insurance contracts allowed insurance to be separated from investment, a separation of roles that first proved useful in marine insurance. Insurance became far more sophisticated in post-Renaissance Europe, and specialized varieties developed.
Toward the end of the seventeenth century, London's growing importance as a centre for trade increased demand for marine insurance. In the late 1680s, Edward Lloyd opened a coffee house that became a popular haunt of ship owners, merchants, and ships' captains, and thereby a reliable source of the latest shipping news. It became the meeting place for parties wishing to insure cargoes and ships, and those willing to underwrite such ventures. Today, Lloyd's of London remains the leading market (note that it is not an insurance company) for marine and other specialist types of insurance, but it works rather differently than the more familiar kinds of insurance.
Insurance as we know it today can be traced to the Great Fire of London, which in 1666 devoured 13,200 houses. In the aftermath of this disaster, Nicholas Barbon opened an office to insure buildings. In 1680, he established England's first fire insurance company, "The Fire Office," to insure brick and frame homes.
The first insurance company in the United States underwrote fire insurance and was formed in Charles Town (modern-day Charleston), South Carolina, in 1732. Benjamin Franklin helped to popularize and make standard the practice of insurance, particularly against fire in the form of perpetual insurance. In 1752, he founded the Philadelphia Contributionship for the Insurance of Houses from Loss by Fire Franklin's company was the first to make contributions toward fire prevention. Not only did his company warn against certain fire hazards, it refused to insure certain buildings where the risk of fire was too great, such as all wooden houses. In the United States, regulation of the insurance industry is highly Balkanized, with primary responsibility assumed by individual state insurance departments. Whereas insurance markets have become centralized nationally and internationally, state insurance commissioners operate individually, though at times in concert through a national insurance commissioners' organization. In recent years, some have called for a dual state and federal regulatory system (commonly referred to as the Optional Federal Charter (OFC)) for insurance similar to that which oversees state banks and national banks.
Business insurance can be any kind of insurance that protects businesses against risks. Some principal subtypes of business insurance are (a) the various kinds of professional liability insurance, also called professional indemnity insurance, which are discussed below under that name; and (b) the business owner's policy (BOP), which bundles into one policy many of the kinds of coverage that a business owner needs, in a way analogous to how homeowners insurance bundles the coverages that a homeowner needs.
Health insurance policies by the National Health Service in the United Kingdom (NHS) or other publicly-funded health programs will cover the cost of medical treatments. Dental insurance, like medical insurance, is coverage for individuals to protect them against dental costs. In the U.S., dental insurance is often part of an employer's benefits package, along with health insurance. Most countries rely on public funding to ensure that all citizens have universal access to health care.
Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as insurance and require the same kinds of actuarial and investment management expertise that life insurance requires. Annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial resources. In that sense, they are the complement of life insurance and, from an underwriting perspective, are the mirror image of life insurance.
Certain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities and endowment policies, are financial instruments to accumulate or liquidate wealth when it is needed.
In many countries, such as the U.S. and the UK, the tax law provides that the interest on this cash value is not taxable under certain circumstances. This leads to widespread use of life insurance as a tax-efficient method of saving as well as protection in the event of early death.
In U.S., the tax on interest income on life insurance policies and annuities is generally deferred. However, in some cases the benefit derived from tax deferral may be offset by a low return. This depends upon the insuring company, the type of policy and other variables (mortality, market return, etc.). Moreover, other income tax saving vehicles (e.g., IRAs, 401(k) plans, Roth IRAs) may be better alternatives for value accumulation. A combination of low-cost term life insurance and a higher-return tax-efficient retirement account may achieve better investment return.
Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, inland marine insurance or boiler insurance.
In the United Kingdom, The Crown (which, for practical purposes, meant the Civil service) did not insure property such as government buildings. If a government building was damaged, the cost of repair would be met from public funds because, in the long run, this was cheaper than paying insurance premiums. Since many UK government buildings have been sold to property companies, and rented back, this arrangement is now less common and may have disappeared altogether.
General insurance companies can be further divided into these sub categories.
In most countries, life and non-life insurers are subject to different regulatory regimes and different tax and accounting rules. The main reason for the distinction between the two types of company is that life, annuity, and pension business is very long-term in nature — coverage for life assurance or a pension can cover risks over many decades. By contrast, non-life insurance cover usually covers a shorter period, such as one year.
In the United States, standard line insurance companies are "main stream" insurers. These are the companies that typically insure autos, homes or businesses. They use pattern or "cookie-cutter" policies without variation from one person to the next. They usually have lower premiums than excess lines and can sell directly to individuals. They are regulated by state laws that can restrict the amount they can charge for insurance policies.
Excess line insurance companies (aka Excess and Surplus) typically insure risks not covered by the standard lines market. They are broadly referred as being all insurance placed with non-admitted insurers. Non-admitted insurers are not licensed in the states where the risks are located. These companies have more flexibility and can react faster than standard insurance companies because they are not required to file rates and forms as the "admitted" carriers do. However, they still have substantial regulatory requirements placed upon them. State laws generally require insurance placed with surplus line agents and brokers not to be available through standard licensed insurers.
Insurance companies are generally classified as either mutual or stock companies. This is more of a traditional distinction as true mutual companies are becoming rare. Mutual companies are owned by the policyholders, while stockholders (who may or may not own policies) own stock insurance companies. Other possible forms for an insurance company include reciprocals, in which policyholders 'reciprocate' in sharing risks, and Lloyds organizations.
Insurance companies are rated by various agencies such as A. M. Best. The ratings include the company's financial strength, which measures its ability to pay claims. It also rates financial instruments issued by the insurance company, such as bonds, notes, and securitization products.
Reinsurance companies are insurance companies that sell policies to other insurance companies, allowing them to reduce their risks and protect themselves from very large losses. The reinsurance market is dominated by a few very large companies, with huge reserves. A reinsurer may also be a direct writer of insurance risks as well.
Captive insurance companies may be defined as limited-purpose insurance companies established with the specific objective of financing risks emanating from their parent group or groups. This definition can sometimes be extended to include some of the risks of the parent company's customers. In short, it is an in-house self-insurance vehicle. Captives may take the form of a "pure" entity (which is a 100% subsidiary of the self-insured parent company); of a "mutual" captive (which insures the collective risks of members of an industry); and of an "association" captive (which self-insures individual risks of the members of a professional, commercial or industrial association). Captives represent commercial, economic and tax advantages to their sponsors because of the reductions in costs they help create and for the ease of insurance risk management and the flexibility for cash flows they generate. Additionally, they may provide coverage of risks which is neither available nor offered in the traditional insurance market at reasonable prices.
The types of risk that a captive can underwrite for their parents include property damage, public and product liability, professional indemnity, employee benefits, employers' liability, motor and medical aid expenses. The captive's exposure to such risks may be limited by the use of reinsurance.
Captives are becoming an increasingly important component of the risk management and risk financing strategy of their parent. This can be understood against the following background:
There are also companies known as 'insurance consultants'. Like a mortgage broker, these companies are paid a fee by the customer to shop around for the best insurance policy amongst many companies. Similar to an insurance consultant, an 'insurance broker' also shops around for the best insurance policy amongst many companies. However, with insurance brokers, the fee is usually paid in the form of commission from the insurer that is selected rather than directly from the client.
Neither insurance consultants nor insurance brokers are insurance companies and no risks are transferred to them in insurance transactions. Third party administrators are companies that perform underwriting and sometimes claims handling services for insurance companies. These companies often have special expertise that the insurance companies do not have.
The financial stability and strength of an insurance company should be a major consideration when buying an insurance contract. An insurance premium paid currently provides coverage for losses that might arise many years in the future. For that reason, the viability of the insurance carrier is very important. In recent years, a number of insurance companies have become insolvent, leaving their policyholders with no coverage (or coverage only from a government-backed insurance pool or other arrangement with less attractive payouts for losses). A number of independent rating agencies, such as Best's, Fitch, Standard & Poor's, and Moody's Investors Service, provide information and rate the financial viability of insurance companies.
Global insurance premiums grew by 8.0% in 2006 (or 5% in real terms) to reach $3.7 trillion due to improved profitability and a benign economic environment characterised by solid economic growth, moderate inflation and strong equity markets. Profitability improved in both life and non-life insurance in 2006 compared to the previous year. Life insurance premiums grew by 10.2% in 2006 as demand for annuity and pension products rose. Non-life insurance premiums grew by 5.0% due to growth in premium rates. Over the past decade, global insurance premiums rose by more than a half as annual growth fluctuated between 2% and 11%.
Advanced economies account for the bulk of global insurance. With premium income of $1,485bn, Europe was the most important region, followed by North America ($1,258bn) and Asia ($801bn). The top four countries accounted for nearly two-thirds of premiums in 2006. The US and Japan alone accounted for 43% of world insurance, much higher than their 7% share of the global population. Emerging markets accounted for over 85% of the world's population but generated only around 10% of premiums. The volume of UK insurance business totalled $418bn in 2006 or 11.2% of global premiums.
For example, life insurance companies may require higher premiums or deny coverage altogether to people who work in hazardous occupations or engage in dangerous sports. Liability insurance providers do not provide coverage for liability arising from intentional torts committed by the insured. Even if a provider were so irrational as to want to provide such coverage, it is against the public policy of most countries to allow such insurance to exist, and thus it is usually illegal.
Many institutional insurance purchasers buy insurance through an insurance broker. Brokers represent the buyer (not the insurance company), and typically counsel the buyer on appropriate coverage and policy limitations. A broker generally holds contracts with many insurers, thereby allowing the broker to "shop" the market for the best rates and coverage possible.
Insurance may also be purchased through an agent. Unlike a broker, who represents the policyholder, an agent represents the insurance company from whom the policyholder buys. An agent can represent more than one company.
In determining premiums and premium rate structures, insurers consider quantifiable factors, including location, credit scores, gender, occupation, marital status, and education level. However, the use of such factors is often considered to be unfair or unlawfully discriminatory, and the reaction against this practice has in some instances led to political disputes about the ways in which insurers determine premiums and regulatory intervention to limit the factors used.
An insurance underwriter's job is to evaluate a given risk as to the likelihood that a loss will occur. Any factor that causes a greater likelihood of loss should theoretically be charged a higher rate. This basic principle of insurance must be followed if insurance companies are to remain solvent. Thus, "discrimination" against (i.e., negative differential treatment of) potential insureds in the risk evaluation and premium-setting process is a necessary by-product of the fundamentals of insurance underwriting. For instance, insurers charge older people significantly higher premiums than they charge younger people for term life insurance. Older people are thus treated differently than younger people (i.e., a distinction is made, discrimination occurs). The rationale for the differential treatment goes to the heart of the risk a life insurer takes: Old people are likely to die sooner than young people, so the risk of loss (the insured's death) is greater in any given period of time and therefore the risk premium must be higher to cover the greater risk. However, treating insureds differently when there is no actuarially sound reason for doing so is unlawful discrimination.
What is often missing from the debate is that prohibiting the use of legitimate, actuarially sound factors means that an insufficient amount is being charged for a given risk, and there is thus a deficit in the system. The failure to address the deficit may mean insolvency and hardship for all of a company's insureds. The options for addressing the deficit seem to be the following: Charge the deficit to the other policyholders or charge it to the government (i.e., externalize outside of the company to society at large).
A recent example of a new insurance product that is patented is Usage Based auto insurance. Early versions were independently invented and patented by a major U.S. auto insurance company, Progressive Auto Insurance and a Spanish independent inventor, Salvador Minguijon Perez ().
Many independent inventors are in favor of patenting new insurance products since it gives them protection from big companies when they bring their new insurance products to market. Independent inventors account for 70% of the new U.S. patent applications in this area. One such example is titled "Method of Expediting Insurance Claims" Patent 7,203,654 issued April 10, 2007.
Many insurance executives are opposed to patenting insurance products because it creates a new risk for them. The Hartford insurance company, for example, recently had to pay $80 million to an independent inventor, Bancorp Services, in order to settle a patent infringement and theft of trade secret lawsuit for a type of corporate owned life insurance product invented and patented by Bancorp.
There are currently about 150 new patent applications on insurance inventions filed per year in the United States. The rate at which patents have issued has steadily risen from 15 in 2002 to 44 in 2006.
Inventors can now have their insurance US patent applications reviewed by the public in the Peer to Patent program.
Other criticisms include:
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Civil Cases and Settlements by Date
Currently available civil cases are listed below. Each case has a brief description and a link to detailed information about the case.
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Definitions: Air: CAA | Water: CWA , MPRSA , OPA , SDWA | Waste & Chemical: AHERA , CERCLA , EPCRA , FIFRA , RCRA , TSCA
2006 Civil Cases and Settlements by Date
|Type of Order
|Mercedes Clean Air Settlement
|Washington, D.C. - Dec. 21, 2006) Mercedes-Benz will pay $1.2 million in civil penalties to resolve its failure to promptly notify EPA about air pollution control defects on numerous 1998 - 2006 model vehicles. Mercedes must also improve its emissions defect investigation and reporting system to ensure future compliance, at an estimated cost of approximately $1 million per year.
|Consent Decree
|Syngenta Consent Agreement
|(Washington, D.C. - Dec. 21, 2006) Syngenta Seeds, Inc. of Golden Valley, Minn., has agreed to pay a $1.5 million penalty to EPA for selling and distributing seed corn that contained an unregistered genetically engineered pesticide called Bt 10.
|Consent Agreement
|PSEG Fossil L.L.C. Civil Judicial Settlement
|(New York, NY) The U.S. Environmental Protection Agency (EPA), the U.S. Department of Justice and the State of New Jersey today announced that they have lodged with the court a Clean Air Act (CAA) settlement with PSEG Fossil LLC related to PSEG's failure to comply with a 2002 consent decree requiring installation of pollution controls at its coal-fired power plants in Jersey City and Hamilton, New Jersey. This new settlement, which is subject to court approval, secures additional air pollution reductions, tighter controls, valuable environmental projects and a significant penalty.
|Consent Decree
|Dupont Order on Consent (PDF)
|This is the Clean Water Act order on consent to Dupont
|Order on Consent
|Dupont Order on Consent (PDF)
|This is an Order on Consent for E.I. du Pont de Nemours & Company
|Order on Consent
|Greater Lawrence Settlement
|(Boston, Mass., Oct. 31, 2006) – Federal and State environmental officials today announced a sweeping agreement with the Greater Lawrence Sanitary District in northeastern Massachusetts, settling alleged violations of clean water laws and government-issued permits. Under a civil Complaint and Consent Decree simultaneously filed today in U.S. District Court in Boston, the Greater Lawrence Sanitary District (GLSD) will pay a $254,000 fine and invest in an $18 million sewage treatment plant upgrade. These steps resolve allegations that GLSD's combined sewer collection system had discharges from "combined sewer overflow" (CSO) outfalls, violating state water quality standards for fecal coliform bacteria, indicating a significant human health risk. Combined sewer overflow discharges generally occur during or after significant rainstorms, when a mixture of storm water and domestic waste exceeds the flow capacity of the combined sewer system, resulting in untreated sewage being released into the environment.
Consent Decree
|Bunge North America, Inc.
|WASHINGTON – A multi-state Clean Air Act (CAA) settlement, reached today with oilseed processor Bunge North America Inc. and three of its subsidiaries, will eliminate more than 2,200 tons of harmful pollution emissions per year when fully implemented. The $13.9 million settlement covers 12 plants in eight states, each of which has joined the United States as a co-plaintiff.
|Consent Decree and Complaint
|City of Indianapolis Settlement
|(Washington, D.C. - November 8, 2010) The Department of Justice, the Environmental Protection Agency (EPA), and the state of Indiana have reached an agreement with the city of Indianapolis on important modifications to a 2006 consent decree that will make Indianapolis' sewer system more efficient, leading to major reductions in sewage contaminated water at a savings to the city of approximately $444 million.
|Consent Decree
|Motiva and BP Settlement Agreements
|(Washington, D.C. – October 5, 2006) As part of ongoing efforts to protect public health by improving compliance with the motor vehicle fuels provisions of the federal Clean Air Act, EPA reached settlements on Sept. 27 with BP Products North America Inc. and with Motiva Enterprises LLC and Equilon Enterprises LLC, d/b/a Shell Oil Products US.
|Seaboard Settlement
|Washington, D.C. - Under two related settlements, Seaboard Foods LP and PIC USA Inc., will take significant steps at many of their facilities to ensure future compliance with environmental laws and to resolve allegations that the companies contaminated groundwater and surface waters near several of their facilities, the Justice Department and the Environmental Protection Agency (EPA) announced today.
|Confetti String Clean Air Orders
|EPA has ordered five national retail chains to pull from their shelves cans of illegally imported confetti string products that contain banned hydrochlorofluorocarbons (HCFCs). These substances deplete the earth''s protective stratospheric ozone layer and increase the risk of skin cancer. Millions of cans of these novelty items, all imported from China or Taiwan and known by various names such as Zany String, Crazy String, and Party Streamer, have been sold illegally in the United States.
|City of Fostoria CWA Consent Decree (PDF)
|This is the Clean Water Act consent decree to the City of Fostoria
|Consent Decree
|Puerto Rico Aqueduct and Sewer Authority Settlement
|WASHINGTON – The Puerto Rico Aqueduct and Sewer Authority (PRASA) entered into an agreement to plead guilty to an indictment charging 15 felony counts of violating the federal Clean Water Act (CWA) through the illegal discharge of pollutants from nine sanitary wastewater treatment plants and five drinking water treatment plants, the Justice Department and Environmental Protection Agency (EPA) announced today.
|Consent Decree
|Oxy Vinyls Settlement
|(Washington, D.C. - June 8, 2006) Citizens in areas of Texas, Kentucky and New Jersey will experience reduced exposure to the known human carcinogen vinyl chloride under a settlement announced today between Oxy Vinyls, LP (Oxy Vinyls) and the United States, the Louisville Metropolitan Air Pollution Control District (LMAPCD), and the State of New Jersey.
|Consent Decree
|Newly Weds Foods, Inc. Settlement
|WASHINGTON-In a settlement to reduce the release of ozone-depleting refrigerants into the atmosphere, a Chicago-based national baking company has agreed to stop using ozone-depleting refrigerants, the Justice Department and the Environmental Protection Agency (EPA) announced today.
|Consent Decree
|U.S. Seeks Court Approval on Dredging Agreement with GE
|(Washington, DC) – In another significant step toward cleaning up polychlorinated biphenyls (PCBs) in the Hudson River, the Department of Justice (DOJ) and the Environmental Protection Agency (EPA) today asked the U.S. District Court in Albany, New York to approve the October 2005 consent decree with the General Electric Company (GE) for the river dredging called for in EPAs 2002 Record of Decision for the Hudson River PCBs Superfund site. The government made its written request to the court after carefully considering the public comments submitted during the comment period, eventually concluding that the settlement reached last year by the government and GE remains appropriate. The submission to the court includes detailed and comprehensive responses to the public comments. "The settlement reached with GE was designed to meet the immediate and future needs of the people of New York—by removing a large amount of PCBs from the Upper Hudson River and expediting PCB cleanup to improve the health and safety of the environment and citizens," said Sue Ellen Wooldridge, Assistant Attorney General of the Justice Department's Environment and Natural Resources Division. "We are pleased to seek the court's approval of this settlement and we look forward to seeing the benefits of this landmark action."
|Consent Decree
|Hartford Clean Water Settlement
|(Hartford, Conn. – May 11, 2006) – A major settlement involving federal and state regulators and the Hartford-based Metropolitan District (MDC) will significantly reduce illegal discharges of raw sewage into the environment throughout the Hartford, Conn. area from the MDC's wastewater collection system. Reducing discharges of untreated sewage to local rivers and streams will enhance the fishing and contact recreation opportunities in the Connecticut River for area inhabitants, many of whom are historically disadvantaged.
|Consent Decree
|City of Dallas Storm Water Settlement
|WASHINGTON, D.C. – The City of Dallas, Texas has reached an agreement with the federal government requiring the City to spend in excess of $3.5 million in a comprehensive effort to decrease the amount of pollution entering the city's stormwater system, the Department of Justice and Environmental Protection Agency (EPA) announced today.
|Consent Decree
|Dallas Storm water Settlement
|WASHINGTON, D.C. – The City of Dallas, Texas has reached an agreement with the federal government requiring the City to spend in excess of $3.5 million in a comprehensive effort to decrease the amount of pollution entering the city''s stormwater system, the Department of Justice and Environmental Protection Agency (EPA) announced today. The settlement requires the City to construct two wetlands at an estimated cost of $1.2 million—one along the Trinity River, and one along Cedar Creek near the Dallas Zoo—and to pay a civil penalty of $800,000. Today''s settlement resolves allegations—first made by the federal government in an EPA order issued in February 2004—that the City failed to implement, adequately fund and adequately staff the City''s stormwater management program. Under the agreement, the City is required to fill staff positions, inspect hundreds of industrial facilities and construction sites, and improve management systems at several facilities.
Consent Decree and Complaint
|Mirant Clean Air Settlement
|WASHINGTON, D.C. – In a joint federal-state settlement, Mirant Mid-Atlantic (Mirant) has agreed to eliminate nearly 29,000 tons of harmful pollution each year generated by its four electricity generating plants in Maryland and Virginia. The Department of Justice, the U.S. Environmental Protection Agency (EPA), the Commonwealth of Virginia and the State of Maryland worked jointly on this enforcement action, which will reduce significantly output of nitrogen oxides (NOx) throughout the region.
|Consent Decree
|Idaho Transportation Department Settlement
|WASHINGTON, D.C. – The Idaho Transportation Department (ITD) and contractor Scarsella Brothers, Inc. have agreed to pay $895,000 for violations of the Clean Water Act during the construction of the Bellgrove-Mica realignment of Highway 95 near Lake Coeur d''Alene in Northern Idaho, the Justice Department and U.S. Environmental Protection Agency (EPA) announced today.
|Consent Decree
|Cast Iron Pipe Manufacturer, Company Officials Found Guilty of Environmental Crimes and Worker Safety Violations
|WASHINGTON, D.C. – A New Jersey cast iron pipe manufacturer, Atlantic States Cast Iron Pipe Co. (a division of McWane, Inc.) and four company officials were found guilty of committing flagrant abuses of environmental and worker safety laws, the Justice Department and Environmental Protection Agency announced today. The charges include, among others, the regular discharge of oil into the Delaware River, concealing serious worker injuries from health and safety inspectors, and maintaining a dangerous workplace that contributed to multiple severe injuries and the death of one employee at the Phillipsburg, New Jersey plant.
|Criminal Case
|3M Company Settlement
|(Washington, D.C. - April 25, 2006) EPA and the 3M Company reached a $1.5 million settlement to resolve reporting violations under the Toxics Substances Control Act (TSCA) that the company voluntarily disclosed to EPA. EPA filed the settlement with the agency''s Environmental Appeals Board today, for their review. 3M voluntarily disclosed all of the violations covered by this settlement under the terms of a TSCA corporate-wide audit agreement. Under the terms of the settlement, 3M neither admitted nor denied that it had violated TSCA and EPA made no substantive determination in all but 10 instances. 3M had previously agreed and subsequently performed a comprehensive management systems review of 28 separate business units and facilities and to determine the compliance status of all TSCA-regulated chemicals and processes. 3M agreed to pay a $1,521,481 penalty for 244 separate counts under TSCA. As a result of the audit, 3M has corrected a number of violations, including failures to notify EPA on new chemicals, late reporting on substantial risk information, and other reporting violations. During the course of the audit, 3M produced valuable, previously unreported information that will help the scientific community to better understand the presence of toxic substances in the environment.
|Consent Agreement
|Alabama Power Company Clean Air Settlement
|Washington, D.C. – The air quality in Alabama and downwind states will improve significantly because the federal government and the state of Alabama are requiring a utility to reduce emissions of two harmful pollutants by 28,000 tons per year. .
|Consent Decree
|Minnkota Power Cooperative and Square Butte Electric Cooperative
|WASHINGTON, D.C. – The air quality in North Dakota and surrounding regions will improve significantly because the federal government and the state of North Dakota are requiring two utilities to reduce emissions of two harmful pollutants by more than 33,000 tons per year.
|Consent Decree
|Pflueger Clean Water Settlement
|The EPA has reached a settlement of over $7.5 million with James Pflueger over Clean Water Act violations associated with construction activities on Pflueger's property in Hawaii. This is the largest storm water settlement in the United States for violations at a single site by a single landowner.
|New York City Underground Storage Tank Settlement
|The U.S. Attorney for the Southern District of New York and the EPA announced a $1.3 million proposed consent decree with the City of New York involving violations of the Resources Conservation and Recovery Act (RCRA) in connection with the city's underground storage tank systems.

subset: commoncrawl


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Scientists discover liberalism may be genetic, or related the number of times their head gets stomped.
Obama agrees to be a guest on The Daily Show after panic ensued that writers were having trouble coming up with jokes.
Joy Behar earns right to remove dunce cap when saying illegal immigrants wont vote for Angle. Gets it back for thinking they can vote for Reid.


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|Wheels and Tires Need help with wheels or tires? Got fitment issues? Have questions about tire performance and handling? Ask all of those questions here!
Sponsored by Tire Rack
|Welcome to ThirdGen.org!
Welcome to ThirdGen.org.
You are currently viewing our forum as a guest, which gives you limited access to view most discussions and access our other features. By joining our community, at no cost, you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is free, fast and simple, join the ThirdGen.org community today!


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Out of Print
About the Author
Terry Pratchett is an English novelist known for his frequently comical work in the fantasy genre. He is best known for his popular and long-running Discworld series. His first novel, The Carpet People, was published in 1971, and since publishing his first Discworld novel, The Color of Magic, in 1983, he has written two books a year on average. He was the United Kingdom s bestselling author of the 1990s and has sold more than 55 million books worldwide. In 2001 he won the Carnegie Medal for his children s novel The Amazing Maurice and his Educated Rodents. Pratchett was appointed Officer of the Order of the British Empire for services to literature in 1998 and was knighted in 2009.


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Amy Winehouse: A Family Portrait
Monday, 1st Jul 2013
London's Jewish Museum opens a new exhibition this week, taking an intimate look at the life of the late artist Amy Winehouse. Supported by Amy's family, the museum has been given unprecedented access to the singer's belongings, including her guitar, record collection and iconic outfits. Located in the heart of Camden, Amy Winehouse: A Family Portrait celebrates Amy's passion for music, fashion, London and her family.
The exhibition centres around four themes: Judaism, Family and Home; Amy and London, Music and the artist's status as a Style Icon. Amongst the items on display is a pin-up style gingham dress, designed by Amy as part of her collaboration with Fred Perry.
Amy's brother, Alex Winehouse, played a major role in the exhibition and says: "I hope, in this most fitting of places that the world gets to see this other side not only to Amy, but to our typical Jewish family." Alex is also Creative Director of the Amy Winehouse Foundation, set up in Amy's memory to prevent the effects of drug and alcohol misuse on young people. Fred Perry continues to support the foundation through a collaborative collection, as well as the auction of 60 customised shirts by famous fans of the brand, including The Specials, Damon Albarn and Bradley Wiggins.
Amy Winehouse: A Family Portrait runs from 3rd July - 15th September 2013. For further information and tickets, visit: www.jewishmuseum.org.uk/Amy
See the Fred Perry 60 Years Auction in aid of the Amy Winehouse Foundation here.


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Technical Product Specification (PDF) This document applies only to standard DQ77MK boards with BIOS identifier MKQ7710H.86A. When changes to this specification occur, including updates, clarifications, or errata, a new version is published. Intel recommends you use the most recent version of the specification for up-to-date product information.
ErrataThere is no characterized erratum for this product.
Note: PDF Files require Adobe Acrobat* Reader*
This applies to:


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Moderators: Tonyblack, Jason, Toothy
Bouncy Castle wrote:Q, this one is going to run and run, I'm afraid.
"[The victim] [said] that 'Doc' advised that the pre-cancerous mass in Buchanan's breast could possibly be delayed or cured by an increase in certain hormone production. 'Doc' advised that this hormone production could be stimulated by sexual intercourse.
'Doc' began to recommend to [the victim] that she participate in sexual activity [with Buchanan] in order to bolster this hormone production and possibly save her friend's life."
Users browsing this forum: Bing [Bot], Google [Bot], hopo28, Yahoo [Bot] and 3 guests


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TOFT is dedicated to British eco-conscious processing making sure that all their yarn and products are ecologically and ethically sound. TOFT yarns are all spun in the UK. TOFT yarn and kits are now available at Knit with attitude.
Knit with attitude is a small independent knitting shop based in London, UK, specialising in ethical and eco-friendly yarn, books and accessories for hand knitting and crochet. 127 Stoke Newington High Street, London N16 0PH, UK
Noro yarns are well known for their vivid colours and combinations of diverse fibre types. All animal fibres that are used in the yarns come from certified organic farms.
The Yarn Ball Yarn Bowl - a collaboration between ceramicist Annette Bugansky and Knit with attitude.


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Product Reference: 31111
Be visually reminded of when your iPhone, iPod or iPad is charging with the Dexim Visible Green cable.
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"Great service. Placed my order with you for a cover and screen protector on the Friday and was in receipt by Monday morning. Good communication. Thanks for a great service. Will be in touch when next upgrading my phone. "
June 2015
Copyright © 2015 Mobile Fun Limited. All rights reserved.
Visit our US site - www.mobilefun.com for US customer service and payment options


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Tuesday, October 4, 2011
When He's Right, He's Right
"Morning, Mom."
"Good morning, Honey."
"Yeah, Baby?"
"Your hair looks like a tarantula."
9 comments:
That is awesome.ReplyDelete
Tell him it's a seasonal thing.ReplyDelete
I've seen your early morning look (Bob's phone photo) and I think Bob is exaggerating.ReplyDelete
- Ilene WaterstoneOctober 4, 2011 at 9:12 AM
Hey, it just occurred to me that you have to change your bio. Bob is not a pre-schooler anymore, is he? Isn't he in big boy school?ReplyDelete
As someone whose bed head makes me look, on alternate days like a tarantula, a bison, Cousin It, and Sammy Hagar, I empathize. Mooch and I often just point to our heads in the morning and crack each other up.ReplyDelete
Just in time for Halloween fever! <3 heheReplyDelete
Ouch! Tell him you're practicing for Halloween!ReplyDelete
What does Bob's hair look like in the morning?ReplyDelete
Well, then tarantulas are using Pantene Pro-V. Your hair is fab.ReplyDelete
Subscribe to: Post Comments (Atom)


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Book your room at Grange Rochester
Get an overview of this hotel4-star London hotel in Victoria, walk to Victoria Palace Theatre
Located in Victoria, this hotel is within a 10-minute walk of Westminster Cathedral and Victoria Palace Theatre. Buckingham Palace and St. James Park are also within 15 minutes.
Hotel Features
Along with a restaurant, this smoke-free hotel has a bar/lounge and a coffee shop/café. Additionally, WiFi in public areas, 24-hour room service, and meeting rooms are onsite.
Room Amenities
All 76 rooms provide conveniences like sitting areas and coffee makers, plus 24-hour room service and TVs with satellite channels. WiFi, wired Internet, and free newspapers are among the other amenities available to guests.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
The hotel offers a restaurant and a coffee shop/café. A bar/lounge is on site where guests can unwind with a drink. Public areas are equipped with high-speed wireless Internet access (surcharge). 2 meeting rooms are available. This London hotel also offers tour/ticket assistance, multilingual staff, and complimentary newspapers in the lobby.
Grange Rochester is a smoke-free property.
- Express check-out
- Total number of rooms - 76
- 24-hour front desk
- Babysitting or childcare
- Elevator/lift
- Number of floors - 5
- Restaurant
- Bar/lounge
- Breakfast available (surcharge)
- Coffee shop or café
- Free newspapers in lobby
- Dry cleaning/laundry service
- Express check-in
- WiFi (surcharge)
- Tours/ticket assistance
- Laundry facilities
- Luggage storage
- Meeting rooms
- Multilingual staff
- Porter/bellhop
- Safe-deposit box at front desk
- Number of meeting rooms - 2
- Smoke-free property
- Number of buildings/towers - 1
Family Friendly Amenities
- Rollaway/extra beds available
- Laundry facilities
- In-room childcare (surcharge)
- Babysitting or childcare
- Cribs/infant beds (complimentary)
Available in all rooms: Wireless internet access (10 GBP per 24 minutes surcharge), Wired high-speed Internet access (surcharge)
Available in some public areas: Wireless internet access (10 GBP per 24 hours surcharge)
Room Amenities
- Premium TV channels
- Pay movies
- Hypo-allergenic bedding available
- Room service (24 hours)
- Separate sitting area
- Free newspaper
- Coffee/tea maker
- Daily housekeeping
- Turndown service
- Private bathroom
- Free toiletries
- Hair dryer
- Shower/tub combination
- In-room childcare (surcharge)
- Satellite TV service
- Iron/ironing board (on request)
- In-room safe
- Television
- Desk
- Rollaway/extra beds available
- WiFi (surcharge)
- Wired high-speed Internet access (surcharge)
- Climate control
- Free cribs/infant beds
Where to Eat
Buffet breakfasts are available for a surcharge and are served each morning between 8 AM and 10 AM.
Pavilion Restaurant - This restaurant specializes in French cuisine and serves breakfast, lunch, and dinner.
Rochester Wine Bar - This wine bar serves light fare only.
Lords Lounge Bar - This pub serves light fare only.
24-hour room service is available.
Hotel Policies
Check-in time starts at 3 PM
Special check-in instructions:
Check-out time is 11 AM
Payment types
Children and extra beds
- Children are welcome.
- Rollaway/extra beds are available.
- Free cribs (infant beds)!
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.
- Fee for buffet breakfast: GBP 18 per person (approximately)
- Fee for in-room wireless Internet: GBP 10 (for 24 minutes, rates may vary)
- Fee for wireless Internet in public areas: GBP 10 (for 24 hours, rates may vary)
- Rollaway beds are available for an additional fee


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Boutte Christian Academy Elementary/Jr. High
985 785-2447
Boutte Christian Academy (BCA) is a childcare and educational ministry of Life Church in Boutte. BCA was founded in 1980 as a Mother's Day Out Program and has grown over the years into a Class "A" Child Care Center and a State-Approved School


text:
Use your preferred option from the multiple booking and ticketing services we offer. Our state–of-the-art online booking engine is specially designed for a seamless booking process. That's not all; you can cancel and refund your bookings online as well. For those on the move, book, pay and generate your eTickets from anywhere, anytime using our Mobile Apps.
Our JetPrivilege members can use our exclusive online redemption facility to book their free flights against their JPMiles. And for those who have booked through our Contact Centre or our direct reservation offices, simply pay online right here and have your eTicket issued. Be assured all our booking and ticketing options are secure using the latest industry standards.
© Jet Airways (India) Ltd.


text:
Topic Page
Nation Topics - Occupy Wall Street
News and Features
The battle for the Internet has politicized prankster cybercollectives like Anonymous--and now authorities are cracking down.
Contrary to the mainstream media's coverage, you don't need to be unemployed, homeless or in need of medication to pull the night shift at Occupy Wall Street.
The task of our time is to insist that we can afford to build a decent society—while at the same time, respect the real limits to what the earth can take.
The Wall Street protesters have created the template for an ambitious new occupation in the nation's capital.
How can anyone possessed of the faintest sense of social justice not thrill to the Occupy Wall Street movement now spreading throughout the country?
There are plenty of young people at Occupy Wall Street, but the protests are not just a young man's game.
As Occupy Wall Street spreads, more than 115 parallel occupations have cropped up in cities around the world. Is this the beginning of something new?
The OWS phenomenon has inspired millions. If it links up with the slow, difficult work of movement-building, it can bring about systemic change.
Are there Occupy Wall Street events currently under \way in your city? The Nation wants dispatches from your local actions.
How it came about, what it means, how it works and everything else you need to know about Occupy Wall Street.


text:
Foot Problems (Diabetes) Center - Huntington Beach, CA
Huntington Beach Endocrinologist Doctors for Foot Problems (Diabetes)
Type of Physician: Endocrinologist
What is a Endocrinologist?
A subspecialty certification by the Board of Internal Medicine; practitioners treat disorders of the internal (endocrine) glands such as the thyroid and adrenal glands. Endocrinology also deals with disorders such as diabetes, metabolic and nutritional disorders, pituitary diseases, and menstrual and sexual problems.
Specialty: Endocrinology
Common Name:
Endocrinologist Doctors in Huntington Beach *
Paul D Rosenblit MD
Jeffrey A Punim MD
Valley Endocrine/Dbts Cnsltnts
Thanh Q Tran MD
Nicholas T Tran MD
Bachar Kurdi Endocrinology
Chris N Tsimerekis MD
Nguyen & Luong Mds
Duc H Do MD
Huntington Reproductive Fertili
Huntington Reproductive Fertili
Sandra S Kwak MD
Huntington Reproductive Fertili
Endocrine Medical Home
Ole S Opgaard MD
Naqvi & Naqvi Mds Inc
Naqvi & Naqvi Mds Inc
Lee-Benner Institute
Healthcare Partners Med Grp
Los Alamitos Cardiovascular Grp
Linda Wang MD
Ali R Moattari MD
South Coast Endocrinology
UCI Medical Center Endocrinolgy
UC Irvine Healthcare
UC Irvine Healthcare
UC Irvine Healthcare
Endocrine Medical Group
Childrens Hosp Orange County
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CHOC Pediatric Subspeciality
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Kaiser Permanente Medical Group
Thira Kunakorn MD
Aleem A Syed MD
Aleem A Syed MD
Richard A Wigod MD
Center For Optimal Health Inc
Coast Diabetes & Endocrinology
Minou P Tran MD
Ahsan & Baqai MDs
Endocrinology Medical Group
Endocrinology Medical Group
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St Jude Heritage Endocrinology
Integrative Med Grp Of Irvine
Irvine Medical Group Inc
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St Jude Heritage Endocrinology
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Michael J Perley MD
Kaiser Prmnt Altn Snd Cnyn Endo
Endocronology/Diabetes Spec
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Caduceus Medical Group
South Orange Endocrinology
Betty S Jelen MD
Signature Medical
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Edward A Reece MD Inc
Ridha A Hajjar MD
Bright Health Physicians Endocr
Caremore Medical Group
John W Geier MD Endocrinologist
South Cnty Kdny Endcrn Ctr
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Providence Medical Institute
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Anaheim Fullerton Medical Group
Saddleback Mdcl Grp Endcrnlgy
Gabrielle O'connor MD
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Thein Kyaw MD
Harbor UCLA Med Ctr Endrcnlgy
Harbor UCLA Med Ctr Endcrnlgy
Harbor UCLA Med Ctr Endrcnlgy
Harbor UCLA Med Ctr Endcrnlgy
Thein Kyaw MD
Harbor UCLA Med Ctr Endcrnlgy
Helen Stosel MD
Huntington Beach, California
Diabetes and Foot Problems
Diabetes and foot problems facts
Other Related Foot Problems (Diabetes) Articles
Emergency Contact for Huntington Beach
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*Provider Directory Terms of Use:
The WebMD 'Provider Directory' is provided by WebMD for use by the general public as a quick reference of information about Providers. The Provider Directory is not intended as a tool for verifying the credentials, qualifications, or abilities of any Provider contained therein. Inclusion in the Provider Directory does not imply recommendation or endorsement nor does omission in the Provider Directory imply WebMD disapproval.
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Preparing a plaster support cradle for the femur of an Edmontosaurus fossil we excavated from Hell Creek, Montana, this past summer. See this fossil and more at Dino Day on March 7, 2015!
The Seahawks are undefeated since the Kwakwaka'wakw mask that inspired the original logo was unveiled at the Burke—and 12s flocked to the museum today to send some of that luck to Arizona!
The mask that inspired the Seattle Seahawks logo was unveiled at a press preview event for the Burke Museum's exhibit "Here & Now: Native Artists Inspired." See the mask for yourself November 22, 2014 through July 27, 2015 at the Burke!
The 8 1/2 foot-long Columbian mammoth tusk found in Seattle in February 2014, is wrapped in a plaster cast, kind of like a broken arm or leg, while it dries out. So we handed visitors a pen to wish it well!
A Columbian mammoth tusk was discovered at an AMLI Residential construction site in Seattle's South Lake Union neighborhood. See photos and video of the tusk being excavated from the site and transported to the Burke Museum of Natural History and Culture.
How do you mail a 37-foot totem pole? With a flatbed truck - and your help! Take part in our effort to bring a remarkable story pole back to the Northwest.
Each year we bug out as thousands of specimens, dead and alive, crawl to the Burke Museum for this favorite annual family event.
How do we really know what happened before we were here? At the Burke Museum of Natural History and Culture, we bring together people, objects, and the stories that make them meaningful.
Burke members and guests had a wonderful time exploring the Plastics Unwrapped exhibit at the opening party in early January 2013. Photos by Lora Shinn.
Burke Members had a great time going behind-the-scenes in our collections where they discovered new objects, talked with curators, and learned about our cutting-edge research. Photos by Andrew Waits.
Fishes collection manager, Katherine Maslenikov, takes SpaceSaver on a tour of the Fishes collection at the University of Washington.
Sharlene Santana is an evolutionary biologist and the new curator of mammals here at the Burke Museum. She studies how behavior, diet, anatomy and function result in bursts of diversification in tropical bats -- mostly from Panama, Costa Rica and Venezuela. While Sharlene releases most of the bats she studies in the field, she collects some specimens to help preserve the biodiversity of these increasingly threatened habitats.
Photographer TJ Watt regularly explores the remaining old-growth rainforests on Vancouver Island, B.C. These are some of the world's most spectacular old-growth temperate (non-tropical) rainforests, where trees have trunks as wide as living rooms and grow as tall as skyscrapers. Sadly, 75% of the island's productive old-growth forests have already been logged, including 90% of the valley bottoms. While hiking in March 2010, he took a photograph now known as "Last Stands."
The Burke's fossil preparator, Bruce Crowley and a team of volunteers excavated a giant turtle - but finding it was only the beginning. We set up a camera to capture time-lapse video as our staff and volunteers prep the giant turtle in our fossil lab to show just what it takes to uncover the turtle.
Photographer Cheryl-Samantha Owen recently documented a Cape Gannet rescue effort lead by the group SANCCOB in South Africa. This is her conservation story.
Studying the evolution of plants and climate change's impact on vegetation helps us better understand how our modern ecosystem evolved to be what it is today. Follow Regan Dunn, a graduate student in the University of Washington's Department of Biology, as she collects fossil plant remains in Costa Rica as part of a study with Burke Museum curator Caroline Strömberg.
Our members were able to preview the ICP Awards exhibit before it was open to the public and mingle with several of the award-winning photographers.
One night a year, Burke members are invited behind the scenes of the museum. Behind-the-Scenes Night is an exclusive opportunity for members to see the Burke collections, meet curators and collection managers, and learn about current research. Members will discover every Burke division, including the Herbarium, archaeology, ornithology (birds), ethnology, ichthyology (fish), mammalogy, paleobotany, vertebrate and invertebrate paleontology, and entomology (spiders & insects).
Visitors accessed Burke knowledge on the natural and cultural world by bringing their heirlooms and objects on Artifact ID Day. Burke experts examined items ranging from fossils to Pacific Northwest Native American art. A record turnout with incredible objects made this year's Artifact ID Day a lively event!
Ever wanted to touch an otter? See a full-sized lion up close? These are just a few experiences visitors had at this year's annual family event, Meet the Mammals. Hundreds of specimens from the Burke's mammalogy collections were on display, with experts on-hand to answer questions.
This year's annual Archaeology Day focused on the last Ice Age. Visitors of all ages threw atlatls, touched artifacts, and learned how Clovis points were made.
University of Washington Daily's "Double Shot" came to the Burke Museum's mammalogy collections to learn more about the squirrels on campus. They spoke with Collections Manager Jeff Bradley about the changes in the local squirrel populations over time.
Much fun had at this year's Bug Blast! Visitors got to hold live bugs, see our Entomology collections, and talk with Burke experts.
Visitors enjoyed a day of colorful crafts, music, and programs about Carnivals around the world while exploring the ¡Carnaval! exhibit.
Australian Brush-turkey chick shortly after hatching and emergingfrom incubation mound and showing well-developed flight feathers.Photo: Burke Museum.By Sharon Birks Did you know that not all birds sit… Full post »
Brace yourselves, dino-lovers: Burke Museum paleontologists have discovered the first dinosaur fossil ever found in Washington state!The fossil is a partial left thigh bone of a theropod dinosaur, the… Full post »
University of Washington student and Husky football player Danny Shelton is a familiar face at the Burke Museum. As a student he completed several independent study courses at the Burke with Holly Barker,… Full post »
By Rod CrawfordEuryopis formosa spider in pine cone, July 10, 2011,Thunder Lake, Yakima County, Washington.Photo: Laurel Ramseyer.On a sunny day in late May 2008, I went on a spider collecting field trip… Full post »
by Jared Grummer I often wonder what non-scientists think of my research: why would people care about lizards that most will never see? When I say I study hybrids, do they think I mean hybrid cars?… Full post »
It's been one year since we first explored the connection between a Native mask from the Pacific Northwest and the original Seattle Seahawks logo. What a year it has been! Now, as the Seahawks prepare… Full post »


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Amazon discloses UK profits of £74m on sales of £3.35bn amid questions over tax avoidance
By Matthew Chapman, marketingmagazine.co.uk, Tuesday, 27 November 2012 10:50AM
Amazon has revealed pre-tax profits of £74m on sales of £3.35bn in 2011 after disclosing its UK financial results for the first time to a Government select committee.
The online giant, which is currently at the centre of a storm about tax avoidance, has seen its results published two weeks after MPs probed Andrew Cecil, Amazon's director of EU public policy, about its tax structure.
Amazon's results were published on a Government website despite Cecil requesting the unaudited figures, which were submitted in response to questions from the Committee of Public Accounts, were treated confidentially "given the non-public nature of this information".
UK sales of £3.35bn in 2011 consisted of sales of £2.91bn related to orders from the amazon.co.uk website and £441m in revenue from subsidiaries including LoveFilm and other business outside the retailer's main ecommerce site.
Amazon claims its outgoings included cost of sales of £2.69bn, operating expenses of £417m, "intercompany charges" of £151m for intellectual property licensed from Amazon Europe Holding Technologies, £12m of stock-based compensation and £7m of "other expenses".
Executives from Amazon, Starbucks and Google faced the grilling from MPs two weeks ago at the select committee with Cecil the subject of particularly humiliating dressing downs.
The committee requested answers from a "serious person" after Cecil struggled to answer its questions, according to a report from The Guardian.
MPs demanded Amazon supplied written answers to questions about its tax structure and how much the UK business generates after Cecil claimed he could not disclose how much of the €9.1bn sales made by the company's European business came from the UK operation.
Cecil said at the original committee meeting that Amazon.co.uk paid £1.8m in corporation tax in the UK on more than a £200m turnover in 2011.
Follow @mattchapmanuk
This article was first published on marketingmagazine.co.uk
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Strikeforce cancels November 3 event
Strikeforce announced today that it has cancelled a planned November 3 event.
The show had been set for the Chesapeake Energy Arena in Oklahoma City, Oklahoma but has been scrapped due to injuries sustained by main event star Frank Mir and co-main event star Luke Rockhold, according to a company spokesman.
Strikeforce says it will rebound in January with a live event although there has been no indication as to who will appear on the card. Daniel Cormier was due to fight on the November 3 event, which would have been his final fight for Strikeforce and the end of his contract.
Due to a series of injuries, we were forced to cancel the upcoming card on Nov. 3, but are already working to put together a stacked card in January, Strikeforce CEO Scott Coker said.
While we're disappointed with the cancellation, we are looking forward to an even bigger Strikeforce event on SHOWTIME early next year, said Stephen Espinoza, Executive Vice President & General Manager, SHOWTIME Sports.
Strikeforce cancels November 3 event - Fighters Only
*Suprise, suprise....
**Shitty deal Miz... A big fuck you to mma fans who purchase tickets to live Zuffa events lately.


text: Ecobuild 2013 Date For details of opening times please visit http://www.test.com/Ecobuild is the world's biggest event for sustainable design, construction and the built environment. There will be over 1500 exhibitors, with the 'RIBA Village' across stands S1230 and S1330 showcasing the full range of RIBA and NBS products. A highlight at the RIBA Village is the programme of free, bite-sized presentations. Fees:Free. Register for Ecobuild todayBooking:Contact: Organiser:Sponsors:


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5 DIY Bridal Accessories From Real Brides!
If you're a DIY gal, then you will love what these brides did to complete their fabulous and unique wedding-day looks. Get ready to be inspired!
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Handmade Crystal NecklaceRebecca handmade her own crystal statement necklace to perfectly compliment the details on her Vera Wang dream gown. She looked amazing! See more of Rebecca's Eclectic Modern Wedding .
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Engagement Photo ClutchHow much do you love this bride's super special bridal clutch? Try scanning one of your engagement photos and printing it onto iron-on fabric paper to create your own one-of-a-kind bag.
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Baseball-Inspired GarterThis Red Sox fan made her own garter as a surprise for her new hubby. Guess what their favorite team is? See more of this creative couple's My Real Wedding submission for more wedding photos.
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Vintage Brooch BouquetWanting a bouquet that she could keep forever, Allison collected antique brooches and vintage jewelry from her friends and family to create a uniquely beautiful wedding bouquet. We're obsessed. Check out other other photos from this Formal Houston Wedding!
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Black Feather HeadpieceThis stunning new bride made her own headpiece using netting, horsehair braid, and tulle with the help of her sweet bridesmaids. We adore this black and white combo! For more bridal headpiece ideas click here.
> How To Alter Your "Something Borrowed" Veil


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How to Do Even More Stuff
Alumni of St. Edward's University, a top liberal arts university, can do many things — run profitable corporations, lead meaningful nonprofit organizations and conduct important research, just to name a few. But they can also do things like build mouth-watering submarine sandwiches. And come up with five healthful snacks even the pickiest kids will devour. We caught up with five alumni who share their practical and just downright fun expertise with us.


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Moderators: Tonyblack, Jason, Toothy
DaveC wrote:Molokov wrote:It was made six years ago, and is finally getting an airing on TV (and yeah, the DVDs have been out for a while).
It's not all that great. Some decent SF parodies in some of the episodes, and it's a damn sight better than that terrible one with Nick Frost in it (which is so bad I can't even remember its name), but it's nowhere near as good even the worst of Red Dwarf.
Users browsing this forum: Bing [Bot] and 4 guests


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National Health Leader to Lecture at SLUEvent Details: 3:00 p.m. - 4:00 p.m., September 12, Health Sciences Education Union auditorium
Howard Koh, M.D., M.P.H, the Assistant Secretary for Health and the highest ranking health professional in the U.S., is coming to SLU to present a lecture on health care reform. The presentation, from 3 to 4 p.m. on Monday, Sept. 12 in the health sciences education union auditorium, is open to the University community.
|Dr. Howard Koh
Koh, who has worked across multiple health disciplines to lead efforts in health reform will speak on "Prevention in the Affordable Care Act...and Beyond."
"This lecture offers an opportunity for the SLU community to listen to and engage with one of top health leaders on one of the most important issues of our time -- health care reform," said Edwin Trevathan, M.D., MPH, dean of the School of Public Health.
"SLU students and faculty from all areas will have the chance to participate in a conversation with our country's highest ranking health professional about the future of health care. Those from public health, medicine, nursing, allied health professions, health care ethics and health law might particularly be particularly interested in attending the talk and hearing of the changes that could directly impact their careers."
The office of the Assistant Secretary of Health is dedicated to the mission of creating better public health systems for prevention and care so that all people can attain the highest standard of health within their reach.
As Assistant Secretary for Health, Koh oversees the Office of the Surgeon General, 14 public health offices, 10 regional health offices, and 10 presidential or secretarial advisory committees. He also serves as the senior public health advisor to the Secretary of the U.S. Department of Health and Human Services.
Koh assumed the position in 2009. He previously served as the Harvey V. Fineberg Professor of the Practice of Public Health and Associate Dean for Public Health Practice at the Harvard School of Public Health. He was also Director of the Harvard School of Public Health Center for Public Health Preparedness.
Koh is the author of more than 200 articles in the medical and public health literature in areas such as disparities, cancer control, melanoma and skin oncology, tobacco control, public health preparedness, disease prevention and health promotion and public health leadership. Koh is an elected member of the Institute of Medicine of the National Academy of Sciences.


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Narrow your search
A new project out of the UK called (wait for it) "Beach Bums" is looking to collect rectal swabs from surfers to research antibiotic-resistant bacteria. Cowabunga!
Hulu also inks a deal with the BBC to create a six-part miniseries called "The Wrong Mans."
Some things you cannot make up. In New York, a 21-year-old named Daisy Cowit is busy on her phone and, according to police, drives her Jeep into a herd of cows.
Board games go full Inception on today's show with Hasbro and Zynga teaming up to announce IRL versions of popular digital games they created...that are actually based on the original games. Confused? We'll lay it all out, and also tell you about Will.i.am and Simon Cowell's latest game show idea, the Ninja Turtles' new catch phrase, and much more.
Brian Tong from CNET SF joins us for, like, the best show ever. The 404 boys get giddier than a bro-mantic comedy with the Tongster, discussing their favorite ninja turtles and the New New Kids on the Block.
The heroes in the half-shells don't seem to say "Cowabunga!" any more. Fortunately, Michaelangelo is still a party dude
Motorized board hydroplanes at 25 mph
USB storage key gets endorsements
Finally we discover what Apple had in store for us. The sense of disappointment across the Internet weighs heavy this morning, and the recriminations have begun. Did Apple over-hype, or did we we?


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Friendly Clowns
Full day inflatable bounce houses delivered to your house and set up for you. No stress children's parties! When your child's party is over we return and take down the inflatable, and return the bouncy to our warehouse. Rent quality, LICENSED Designs: Check out Mickey's Choo-Choo Fun Ride combo unit! Jump houses and jump, climb and slide inflatables are our specialty, - rent from us today. Select your bouncer from the photos below and then call or email us today. We are popular, call 972-899-0135 now. Priority is given to phone orders. Simple - choose, call, book!
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Special Safety features are factory built into everyone of our inflatables including; Rugged, triple reinforced seams, Secure safety netting to keep bouncers inside and visible at all times, and Safety entrance steps. Strong high quality materials are used to construct the inflatable.
Safety Rules: Adult Supervision is required at all times. Inflatables are designed for Children under 12 and over 40" tall only. Separate children by age and size and give each group their own time to bounce. Jump in the middle, keep away from the netting, columns, and walls. Shoes off, Socks on. Keep food, drink pets and Silly String away from Jump Houses. Turn off and cover blower in strong winds and thunderstorms! Bounce, laugh, and have FUN!
Order a combo unit for the Best Value, children can do it all! Climb and Slide, and Jump too! All in ONE unit! WET OR DRY SLIDES!
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Gynecomastia Center - Hialeah, FL
Hialeah Endocrinologist Doctors for Gynecomastia
Type of Physician: Endocrinologist
What is a Endocrinologist?
A subspecialty certification by the Board of Internal Medicine; practitioners treat disorders of the internal (endocrine) glands such as the thyroid and adrenal glands. Endocrinology also deals with disorders such as diabetes, metabolic and nutritional disorders, pituitary diseases, and menstrual and sexual problems.
Specialty: Endocrinology
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Leon Medical Center
CAC Florida Medical Center
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Tenet Florida Physician Svs
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Edward L Reid II MD
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Diabetes Research Institute
Diabetes Research Institute
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Diabetes Research Institute
Diabetes Research Institute
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Endocrin Solutions
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Hialeah, Florida
Hialeah is a city in Miami-Dade County, Florida, United States.
The city's name is most commonly attributed to Muskogee origin, "Haiyakpo" (prairie) and "hili" (pretty) combining in "Hialeah" to mean "pretty prairie". Alternatively, the word is of Seminole origin meaning "Upland Prairie". The city is located upon a large prairie between Biscayne Bay and the Everglades.
Hialeah is served by the Miami Metrorail at three stations: Okeechobee Station, Hialeah Station, and Tri-Rail Transfer Station. The Okeechobee and Hialeah stations serve primarily as park-and-ride commuter stations for Downtown Miami and Brickell commuters. The Tri-Rail Transfer Station allows easy connections to Tri-Rail to Miami International Airport and West Palm Beach.
Gynecomastia facts
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Emergency Contact for Hialeah
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O2 "quacky races" by Agency Republic
O2 is racing rubber ducks to support the 02 Top-up Surprises campaign created by VCCP.
The campaign, created by Agency Republic, lives at www.quackyraces.com, where users can choose from a selection of five ducks.
Each duck requires different amounts of love, sleep and food to be able to complete in the race and users can decide what the optimum level of care is to make their duck travel the fastest.
The person with the fastest duck will win two round-the-world tickets and spending money.


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By Tessa Raebeck
The parents of a Pierson High School senior say their daughter was unjustly denied recognition for her academic performance and that the Sag Harbor School District is doing nothing about it.
Kristin and Paul Davey maintain their daughter deserves to be recognized as a co-salutatorian of the graduating class of 2014 because the district uses faulty guidelines and does not have a clear policy for how valedictorians and salutatorians are named.
Pierson administrators, however, say the district is using the same guidelines it has used for decades and, although they may enact a board-level policy in the future, that change will not happen in the days leading up to graduation.
After taking the complaints to Facebook, Kristin Davey said in a phone interview Wednesday, June 25, that her daughter was in third place by 7/100ths of a point when the grade point average rankings were calculated in January. When the grades were recalculated in April, Ms. Davey said, her daughter had pulled into second by a full point.
Dr. Paul Davey in a statement to the board on June 18 said their daughter was then "invited by State Assemblyman Fred Thiele's office to a luncheon honoring Long Island's valedictorians and salutatorians."
Ms. Davey said on Wednesday, June 25, that several days after they received the invitation, Pierson Principal Jeff Nichols informed her that her daughter had been invited in error.
She was told, she said, that "they were not using those grades, they were using the grades in January, as has been their tradition, and that [my daughter] was not the salutatorian."
"We asked several times for the school to recognize [our daughter] as co-salutatorian and not to take anything away from the other student, but to recognize them both," she said.
"I feel that we were misled and it's gotten kind of worse from there," said Ms. Davey, adding that she has sent many letters and made many phone calls to administrators that have gone unanswered.
"We've had very, very clear guidelines with regard to that, my understanding is certainly for the 17 years I've been here and for decades preceding that," Mr. Nichols said when the issue was brought up at the board's meeting on Tuesday, June 24.
The guidelines are on page 17 of the student handbook, which is given to every student and available on the district website.
Mr. Nichols read from the policy Tuesday, which states: "To validate who has earned the highest (valedictorian) and the second highest (salutatorian) ranks in a graduating class, students' grades are re-averaged at the end of the first semester of the year in which the class graduates. Such determination is final and no adjustment thereafter will take place."
In a phone conversation Wednesday, June 25, Dr. Carl Bonuso, interim superintendent for the district, said, "There was something where I believe some temporary word was passed along that [Ms. Davey's] daughter was ranked second in the class, but when we checked it was an error."
"While at the time of the ranking—that is at the end of the seventh semester in the middle of the year that they're graduating, which is what Jeff read last night [at the school board meeting]—in fact, it was not her daughter," he said.
"I'd rather not discuss a specific case or a specific child," he added, "so I can only say that Mr. Nichols clarified it as much as possible additionally last night and no further comment."
In his statement read on June 18, Dr. Davey questioned the lack of "a formal policy" and asked the board to vote that evening to recognize co-salutatorians for the class of 2014.
"The only thing they keep reciting in this refusal is traditionally they have never done that before and I don't find that a good enough answer," Ms. Davey said.
"Because they are lacking this formal policy," she said, "I just don't understand why they will not recognize both students…I just really hope that moving forward, the district writes a clear, comprehensive and specific policy so this does not happen in the future to any student graduating from Pierson. I will say that [my daughter] is beyond devastated that her school will not recognize her academic achievement."
"There has been some discussion about having a more formal policy, there are districts that have board-level policies on it," BOE Vice President Chris Tice said. "I would suggest at a future board meeting, we discuss whether we want to have that sort of policy on it."
Later Start Times?
In other school board news, the board agreed to appoint a task force to examine the plausibility of starting school at later times, a move that is gaining traction across the country.
"There's research that has come out that says if you could do one thing to help your kids do better in school—one thing—it would be to get our kids to school later," said Ms. Tice.
Board member Susan Kinsella also brought up the idea of allowing varsity athletes to have study hall instead of gym class while in season.
"They certainly don't need the gym class if they're playing a varsity sport. Let them have that time to do homework," she said.
"I think this makes a lot of sense," agreed Ms. Tice, adding the district could see more athletes participating in International Baccalaureate (IB) and other challenging classes "if they knew they'd have more time to get the work done."
The board will start its trial of videotaping meetings in July. The first meeting of the month will be taped but not broadcast to figure out some sound and technical kinks and the second meeting will be fully broadcast on LTV and SEA-TV.