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Designing sensitive and specific spaced seeds for cross-species mRNA-to-genome alignment.
ABSTRACT As the demand for accurately aligning gene sequences to the genome of a related species grows with the sequencing of new genomes, spaced seeds emerge as a promising vehicle for increasing alignment sensitivity. We extend the existing {0, 1} match-mismatch models for sensitivity evaluation to take into account the compositional structure of coding sequences and ultimately produce seeds better suited to this particular application. Designing seeds for alignment programs, however, needs to balance sensitivity and specificity. We assess the effects of seed variations on both sensitivity and specificity in an extended model that incorporates transitions and differentiates among the three codon positions, and show that spaced seeds with transitions offer a better sensitivity-specificity tradeoff. Furthermore, we propose a theoretical formulation for rigorously assessing seed specificity, starting from Bernoulli and Markov models of the mRNA and genomic sequences. Within this framework, we perform the first comprehensive analysis of seeds to serve as a blueprint for selecting sensitive and specific seeds for practical applications. Our analyses show that specificity is relatively constant for seeds of a given weight, while sensitivity varies widely, with the highest values attained by seeds allowing a small (2-6) number of transitions.A strategy for designing seeds, therefore, is to first select the weight of the seed by identifying the desired sensitivity-specificity tradeoff, then choose the most sensitive seed(s) within that weight group. We illustrate our methods with the alignment of chicken coding sequences against the human genome assembly version HG17.
- SourceAvailable from: Liliana Florea[Show abstract] [Hide abstract]
ABSTRACT: We review recent developments in spaced seed design for cross-species sequence alignment. We start with a brief overview of original ideas and early techniques, and then focus on more recent work on finding accurate (sensitive and specific) seeds for cross-species cDNA-to-genome alignment. These recent developments include methods and models for estimating seed specificity and determining sensitive and specific seeds, finding seeds that can be applied to a wide range of comparisons, and applying seed models to other computational biology areas, such as gene finding.01/2010; 10:115-136. DOI:10.4310/CIS.2010.v10.n2.a4
- [Show abstract] [Hide abstract]
ABSTRACT: Transition seeds exhibit a good tradeoff between sensitivity and specificity for homology search in both coding and non-coding regions. However, identifying good transition seeds is intractable. This work studies the hit probability of high-order seed patterns. Based on our theoretical results, we propose an efficient method for ranking transition seeds for seed design and list good seeds in different Bernoulli sequence models.Journal of computational biology: a journal of computational molecular cell biology 01/2009; 15(10):1295-313. DOI:10.1089/cmb.2007.0209 · 1.67 Impact Factor


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A healthful and festive salad using rich, nutty chestnuts. Try grapes instead of raisins for a fresh alternative; 1 1/2 cups halved crisp red grapes will do the trick. Make sure to plan ahead and allow time for soaking the wheat berries.
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Pokemon RS is on amazon for over 150 bucks
Can someone explain this cost to me?
Pokemon RS is on amazon for over 150 bucks
Can someone explain this cost to me?
Welcome to Serebii.net Forums!!! yes you!!!
The games have been discontinued, so unopened copies are quite rare.
If you want a copy of the game, just buy a used one for a fraction of the price. Most of the preowned games I've bought might as well have been new.
That basically sums it up I guess, and people like trying to mak as much $$$ as well, often. Hnce going to close - don't see much else that can be said here.
A parody of the Pokemon Colosseum game, full of pastries and Miror B.
Completed. Four times winner of Best Comedy/Funniest Fic.
The BBS Fandex! Browse/upload Pokemon Fanworks!
Tied to this Pokemon Magazine! Looking for contributors!
Why should you? Well, Wynaut?
Current Article: Game Plot Analysis - The Kanto Games! Is simplistic bad?Previous Article: Top 5 Best Ways to Make Your Pokemon Game Run More Challenging!Avatar: minty-fivestar on DA, edited background/cropping. Fic banner: cieux.


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Against the Odds: Melissa Hamilton's late start should have prevented a ballet career. Instead, it pushed her to unthinkable heights.
Dance by the Numbers: How do judges manage the role of subjectivity in their scores?
Beyond Viral: How husband-and-wife team Keone and Mari Madrid found choreographic fame via YouTube
Choreography Knocks: Opportunities for choreographers at all levels
A Growing List of Living Female Choreographers
We want your feedback!
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Starting June 12, Alvin Ailey American Dance Theater returns to Lincoln Center for the first time in over a decade! It feels like they just wrapped up their winter season, but we're still ready for them to turn up the summer heat. There will be a new Ronald K. Brown piece (Four Corners), and a family matinee on the 15th that will feature a post-performance Q&A with the dancers. You can catch the ever-awesome Revelations again, too!
For more info & tickets click here.


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A method for creating a multichannel audio signal that provides the impression of spatial sound is disclosed, the method comprising providing an expected multichannel audio output signal having spatialised soundfield components; perturbing the spatial components; and utilising the perturbed spatial components to determine the multichannel audio signal. The perturbations can be substantially in accordance with the expected head movements of listeners of the audio signal and can be derived from a group of listeners to the audio signal. The expected head movements also preferable include an added substantially random movement.
1. A method for creating a multichannel audio signal that provides the impression of spatial sound to a listener of said audio signal, said method comprising:
providing an expected multichannel audio output signal having spatialized sound field components including a spatial position;
perturbing the spatial position of said spatialized sound field components independently of simultaneous orientation of the head of the listener, said perturbing including performing a set of spatial rotations having a substantially random component in a range of angular degrees of spatial rotation to said spatial position; and
utilizing said perturbed sound field components to determine said multichannel audio signal.
2. A method as claimed in
said perturbing further includes a set of spatial rotations derived from the head positions of a group of previous listeners to said audio signal.
3. A method for creating a multichannel audio signal that includes the impression of spatial sound to a set of listeners of said audio signal, said method comprising:
pre-processing a set of audio inputs for playback over a number of output channels to compensate for instantaneous varying head-direction cue movements of each of a plurality of sample listeners to produce a set of averaged pre-processed audio-inputs including averaged spatial compensation components derived from a plurality of spatial compensation components which spatially compensate for the instantaneous varying head-direction cue movements of each of the sample listeners; and
at a later time playing said set of averaged pre-processed audio-inputs to a set of one or more new listeners independently of said sample listeners.
4. A method as claimed in
said averaged pre-processed audio-inputs incorporate random components to provide statistically similar random movement patterns.
5. A method comprising:
providing a multichannel audio signal that that is spatialized according to a spatial position; and
perturbing the spatial position of the spatialized audio signal according to a function of time independent of the orientation of the head of a listener, the perturbing of the spatial position including randomly rotating the position in a range of angles, the perturbing producing a perturbed multichannel of audio signal;
such that the perturbed multichannel audio signal gives an impression of spatial sound to the listener without the listener needing a head tracking device.
6. A method as claimed in
said perturbing further includes rotating the position as a function of time derived from the head positions of a group of previous listeners as a function of time listening to the multichannel audio signal.
7. A method for creating an improved multichannel audio signal that includes an impression of spatial sound, said method comprising:
perturbing the spatial position of a spatialized first multichannel audio signal as a function of time, the perturbing being independent of the orientation of the head of a listener to produce a perturbed multichannel audio signal, the perturbing including varying the spatial position of the first multichannel audio signal in time according to a pre-determined average position as a function of time,
the pre-determined average position previously obtained by averaging the position of a set of sample listeners as a function of time while the sample listeners listen to the first multichannel audio signal,
such that playing back the perturbed multichannel audio signal to a new listener independently of the set of sample listeners produces an impression of spatial sound to the new listener.
8. A method as claimed in
the perturbing includes randomly varying the position in time independent of the head position of the new listener.
The present invention relates to processing sound signals having spatialised components which create a multidimensional environment for the sound. Further, the present invention relates to improving the reproduction of binaural (two channel) sound, particularly when it is desired to give a listener an impression of virtual sound sources being located some distance away from the listener.
For a general reference to the field and on the problems associated with reproduction of sound having spatial components, reference is made to "A 3-D Sound Primer: directional hearing and stereo reproduction" by Gary S Kendall appearing in the Computer Music Journal, 19;4 at pages 23-46, Winter 1995.
Methods are generally known for the generation of binaural sound where headtracking of the listener's head movements is utilised to modify the processed output to provide a better impression of sound located some distance away from the listener. These methods include:
1. The "Headscape" program utilised in conjunction with the Huron Digital Audio Convolution Work Station both of which are available from the present assignee Lake DSP Pty Ltd and rely upon the smooth switching between pre-computed FIR filter responses in response to a listener's head turning.
2. U.S. patent application Ser. No. 08/723,614 filed Oct. 2, 1996 in the name of the present applicant and inventor and entitled "Methods and Apparatus for Processing Spatialised Audio" which describes a method for headtracked playback of B format "ambisonic" sound fields.
3. Existing products from other manufacturers which utilise rapidly changing head related transfer function (HRTF) filters to perform headtracked playback of binaural sound.
Each of these systems rely on arrangement similar to that disclosed in FIG. 1 herein in that a listener 2 utilises a pair of headphones 3 having an integrally mounted headtracking means 4 which tracks the orientation of the user's head 2. The headtracking means 4 is normally in communications with a headtracking unit 5 which continuously determines a current orientation of the user's head. This information 6 is output to the binaural processing system 7 which manipulates a series of audio inputs 8 to produce corresponding right 10 and left 11 output sound channels for playback to the user's head 3.
The disadvantage of the arrangement 1 of FIG. 1 is that a headtracking unit eg. 4, 5 must be provided and this adds a large degree of complexity and expensive to the arrangement 1. Further, most headphones in use today do not have any headtracking facility but are rather stereotype devices.
The arrangement 1 is primarily concerned with audio processing the input signals 8 so that there is an altering of corresponding outputs 10, 11 in response to the turning of the listener's head 2. This is provided as a means to create a more stable audio sound field so that the location of the virtual sounds around the listener do not change when a listener turns his/her head. Additionally, the audio processing systems generally provide a better illusion of sounds in front of the listener. Tracking the rotation of a listener's head greatly enhances the impression of frontal sounds, defeating the front-back confusion that commonly occurs with binaural sound and is a well known problem with the prior art.
It is an object of the present invention to provide an improved means of front-back discrimination of sounds to the listener without the need for the provision of an expensive headtracking unit. The removal of the headtracking from the playback process also has the advantageous effect of allowing a binaural signal, such as a stereo pair, to be utilised by one or more listeners without the need for any additional processing at the time of playback.
In accordance with the first aspect of the present invention there is provided a method for creating a multichannel audio signal that provides the impression of spatial sound, said method comprising:
providing an expected multichannel audio output signal having spatialised soundfield components;
perturbing said spatial components; and
utilising said perturbed spatial components to determine said multichannel audio signal.
Preferably, the multichannel audio signal comprises two channels adapted for playback over headphones. Further, the perturbations preferably comprise a series of substantially random rotations, substantially in the horizontal plane. Further, the perturbations can be substantially in accordance with the expected head movements of listeners to the audio signal.
Methods disclosed include methods for deriving expected head movements from a group of listeners to the audio signal and subsequently using these movements with like audiences. As a further refinement, a random movement can be added to the expected head movement.
Preferably the invention works with large scale movements of sound sources and, as a refinement, the perturberances can be created such as to not incorporate any change in arrival time of simulated acoustic arrival times.
There is also a disclosed an apparatus for implementing the invention by means of a DSP arrangement or the like.
Notwithstanding any other forms which may fall within the scope of the present invention, preferred forms of the invention will now be described, by way of example only, with reference to the accompanying drawings in which:
FIG. 1 illustrates a head tracking arrangement utilised in the prior art;
FIG. 2 illustrates a first embodiment suitable for use as the preferred embodiment;
FIG. 3 illustrates a form of creating a recording in accordance with the principles of the preferred embodiment;
FIG. 4 illustrates an alternative embodiment for the creation of an audio recording in accordance with the principles of the present invention.
In the preferred embodiment, the binaural processing system that was previously capable of operating with a head tracking unit is utilised with a "phantom" headtracking input which provides a random function that simulates movement. Referring now to FIG. 2, there is shown suitable form of the preferred embodiment 20 which dispenses with the headtracker 5 of FIG. 1 and replaces it with the random head track simulator 21. Given that the binaural processing system can be often implemented in the form of suitable programming of a DSP chip arrangement, the random head track simulator 21 is conveniently implemented in software. The random headtrack simulator 21 is designed to simulate the random movement of a user's head. Preferably, the degree of movement is generally limited to a small range of head angles (say +/−20�).
It has been found in practice that reproducing a binaural sound where the listener's head is assumed to be turning slightly from time to time leads to significantly improved results. When the binaural sound is played back to the listener, the movement of the virtual sources assists in creating the illusion of externalised sound sources. Also, the difference between front and rear virtual sound sources is more accentuated when they appear to move. Without wishing to be bound by theory, it is thought that this may be because the front-back discrimination process relies on subtle time delay, gain and equalization cues. The listener is thought to be very sensitive to small changes in these cues at each ear. Hence, the dynamic nature of the binaural effect enhances—its 3-D impression, even if the simulated head movements do not correlate with the listener's actual head movements.
As a further refinement, the random head movements may be based on typical head movement patterns (and may, in fact, be generated by using actual head movement measurements, to make them more realistic). Alternatively, as a further refinement, the random movements may be exaggerated, since in many real life situations (such as an audience watching a motion picture) the viewers do not generally turn their heads very much whilst sound is often projected all around a listener. A more exaggerated simulated movement may enhance the impression of 3-D sound, particularly the front/back sound experience.
As a further alternative refinement, the binaural processing system can simulate movement of the sources by altering the head related transfer function direction of arrival for each sound source without necessarily altering the time of arrival, which would normally happen in a real acoustic space. The altering of the time of arrival is preferably avoided as it can lead to disturbing comb filtering effects.
In many cases, it will be desired to playback the binaural sound to the listener with, for example, a video that accompanies the binaural sound track. This will cause a listener to turn their head in a manner that is not necessarily totally random and there is often some correlation between the image display and corresponding head movements. Referring now to FIG. 3, there is illustrated one form of arrangement to take advantage of this correlation. In the arrangement 30, a target audience of, for example, a movie audience are monitored utilising headtracking systems. Each listener 31-34 is provided with individual headtracking facilities including headtracking units 36-39. The output of the headtracking units 36-39 is then averaged 40 to produce a final averaged output 41 for forwarding to the binaural processing system which operates in the usual manner. The outputs of the binaural processing system 7 are also forwarded to a recording device 45 which records the left and right channels for later playback to an audience utilising only headphones. As many members of the audience in a cinema, for example, will move their head in a similar manner, following the movement of a character or object on the screen or reacting to sound events occurring at certain locations, the averaged output signal assists in the human auditory system decoding the audio inputs in a spatial sense. The recorded outputs 45 can then be later utilised with subsequent audiences in conjunction with the desired video imagery.
Referring now to FIG. 4, as a further refinement during times when the head movements of the listeners are reduced, such as when there is little motion or action in the video or motion picture image, a degree of random head movement can be added. In this respect, the output of averaging unit 40 is added to a random headtrack simulator 50 to produce a modified orientation signal 52 having the average component with a simulated extra random element.
From time to time, the virtual sound sources in a binaural presentation may also be moved through a larger distance, which assists further in forming an impression of frontal sound sources in particular. For example, a sound effect from the dialogue channel of a motion picture soundtrack might have its virtual location positioned at the listener's side, and then, while audio is being projected from this virtual sound location, the virtual location may be shifted to the front (where the dialogue channel normally belongs).
Moving the virtual sound source in this way achieves a better impression of a frontal sound image because (a) a moving sound source is easier to localise (and in particular, provides improved front-back discrimination) and (b) once the large scale movement is stopped (after the virtual sound source reaches its resting position in front), the listener's sensation of a frontal virtual image tends be sustained, particularly with the aid of visual cues, such as a motion picture.
It would be obvious to the skilled artisan t other combinations could be utilised. Further, the degree of mixture between the random head track simulator output and the average output could be varied in accordance with requirements and could indeed vary over the course of a video presentation.
It would be further appreciated by a person skilled in the art that numerous variations and/or modifications may be made to the present invention as shown in the specific embodiments without departing from the spirit or scope of the invention as broadly described. The present embodiments are, therefore, to be considered in all respects to be illustrative and not restrictive.
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Q57: What is actual or personal sin?
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Tired of opinions about what Catholic's believe? Get the facts! Roman Curia Cardinal Francis Arinze answers 304 questions from the Apostolate's Family Catechism. To purchase series, visit www.familyland.org
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Cardinal Arinze Catechism Question 4 Personal Actual Sin Adam Eve Selfishness Disobedience
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9 table number card holders. The balls are about 4 inches across out of 1/2 inch bright white cotton hard laid rope. The rope we have made is very 'hard in hand' and the knot is self supporting even without a core. These monkey fists are hollow inside to make them able to sit on a table better. Just place on the table and press down to flatten slightly so they don't roll. Whether you use a card as shown or a pennon on a stick, they will fit perfectly in these table top decorations. (this description is from Mystic Knotwork)
I purchased these from Mystic Knotwork on Etsy. There are 9 total and I am selling them for $6 each plus shipping. I will calculate shipping based on the zip code provided, as they are fairly heavy. I paid $15 for shipping so it shouldn't be any more than that.
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Labels and their Formatting in Digital Audio Recording and Transmission
Labels provide a means for conveying operational and commercial information when they are added to a host digital audio program. A versatile framework is proposed by which a common format for Labels can be adapted to t he diverse applications of the recording and broadcasting industries. A key requirement is that Labels are both recordable and transmittable from point to point. The proposal is therefore compatible with the AES/EBU serial digital audio interface and an example is given of the use of a dedicated "Labels track" on a digital audio recorder.
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Availability of Call letter/ Admit Card for Examination: After March 06, 2013 IBPS CWE-II for Specialist Officers Recruitment Project 2013 Banking sector in India is diversifying its operations coming out of the age old practice of finance handling and money lending. Now banks are nurturing various core businesses like, Insurance, Agro-Business, ...
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IBPS Hall Ticket
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Since the hall ticket or admit card is the ticket which allows entry into the exam halls, people need to carry it whenever they are going to the venue to sit for the exam. For all the types of exams, this is an essential item because without this document, people ...
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Division of Solid Waste Services
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Double Handle Kitchen Bridge Faucet with Cross Handles, Swivel Spout, 8" Spread, 1/4-Turn Ceramic Valves, Brass Construction and AB1953 / S152 Compliance
Double Lever Wall-Mount Pot Filler with 25" Reach and 2 Ceramic Shut-off Valves
Single Lever Kitchen Faucet with 9-1/4" Reach, Ceramic Cartridge, 150° Swivel Spout and MagFit Magnetic Sprayhead Docking: Chrome
Single Cross-Handle Cast Spout Filtration Faucet with Swivel Spout, AB1953 / S152 Compliance, Solid Brass Construction w/ Porcelain Handle Accent and Filter Included
Single Lever Bathroom Faucet with 5-1/2" Reach, M1 Ceramic Cartridge, No-Clog Aerator and 1.5 GPM Water Flow: Chrome
Double Cross Handle Bar Faucet with 4-5/8" Reach, 9-5/8" Height, Swivel Spout, Cascade No-Clog Aerator and 1.5 gpm: Brushed Nickel
Single Handle Cast Spout Faucet with 9" Spout Reach and Option of Metal or Porcelain Handle
Single Lever Pull-Out Kitchen Faucet with 7-1/2" Reach, 14-5/8" Height, Ceramic Disk Cartridge and 2.2 gpm Flow Rate
Double Lever Single Hole Bathroom Faucet with 5-1/2" Reach, 1.5 GPM Water Flow, Ceramic Cartridge and Cascade No-Clog Aerator: Chrome
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DOWNTON ABBEY's Laura Carmichael to Make West End Debut in UNCLE VANYA
According to the Daily Mail, Downtown Abbey's Laura Carmichael is set to make her West End debut as Sonya in Christopher Hampton's adaptation of Chekhov's Uncle Vanya.
"I'm terrified and excited. I think you have to be a bit scared. There'd be something wrong with you if you weren't," Carmichael told the Mail's Baz Bamigboye.
Read the original report here.
Carmichael will join Ken Stott in the title role, Anna Friel as Yelena and Samuel West as Astrov. Rehearsals are set to begin on September 17, with previews starting on October 25. Opening night is slated for November 2, 2012.
Carmichael, well known for playing Lady Edith in the television series Downton Abbey, began her career on stage studying at the Bristol Old Vic Theatre School. She has worked with Thea Sharrock in the play Plenty, as well as appearing in Sheffield's Crucible.
The actress will again be seen in the third season of Downton, which debuts on September 16 on ITV1.
Photo credit: WENN
|Related Links
|DOWNTOWN ABBEY Fan Martha Stewart Creates a Spectacular 'Gingerbread Abbey'
December 18, 2014
About Author
- Casting Roundup: Sarah Chalke, Kim Raver Headline New Pilots
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- Grammy Winner Kelly Clarkson Exclusively Premieres New Music from New Album on MTV, VH1 & CMT First
- CONSTELLATIONS' Jake Gyllenhaal and Ruth Wilson Set for THEATER TALK This Weekend


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2009 Chrysler Sebring Q&A
2009 Chrysler Sebring Question: Why does my oil change light stay on?
I have had three oil changes since the light came on. - dqfresh
3 Answers
Answer 2
There is a procedure for resetting the lamp. The lamp is purely mileage based and will come on every 3000 miles. Try this: Instructions 1 Sit in your Chrysler Sebring's driver-side seat. Put the key in, and then turn it to "On/Run." Starting the engine is not required. 2 Push the accelerator pedal to the floor three times; be sure to do this fairly quickly (within 10 seconds). 3 Turn the key to "Lock" and remove it. Re-insert it, and then start the engine. Verify that the oil message is gone. Read more: http://www.ehow.com/how_6953980_reset-message-light-chrysler-sebring.html#ixzz2hfVZYWqw - Rojo1
Answer 3
MUST BE RESET TO TURN IT OFF - globalhelper
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You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.
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"I ordered this invitation for my son's rehearsal dinner. I liked the way I could personalize with the wedding colors and this tied it to the "Big" day. I added a picture from their engagement photos and I think that was the perfect touch to honor this young couple just starting out. I was very pleased with the quality of the paper, the colors and the sharpness of the picture on the back. I would recommend this card and this business whole heartedly. Thank you for meeting my expectation and then some!"
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O-H-I-O Share your pride
"Current students" Images (2835)
"O-H-I-O from Peru!"
by Vinny Balzano - Bio major Class of 2013 Wi at The Ohio State University
I was doing assistant research in the Pacaya-Samiria Reserve in the Amazon Rainforest, and met some amazing people! I am the first O, Segundo from Peru is the H, Sam from Canada is the I, and Niall from Scotland is the last O. Such a once in a lifetime experience!Current students, Latin America/Caribbean
"O-H-I-O Irazu Volcano"
by Mariah - 4th year Ani. Sci. major
Irazu Volcano in Costa RicaCurrent students, Latin America/Caribbean
"O-H-I-O Mt. Rainier "
by Taylor - Senior
On top of Mt. Rainier in Washington August 2013Current students, US
"O-H-I-O in Lalibela, Ethiopia "
by Ruth Sleshi - International Development major, 2016
Summer 2013 trip to Ethiopia, East Africa. This is Lalibela, most known for the carved rock churches dug literally from top to bottom around the 12th Century by King Lalibela.Africa, Current students
"Tulum, Riviera Maya, Mexico"
by Joe Mika - DDS, 1991
Katie Mika, junior at the main campus, used the Mayan Ruins at Tulum, Riviera Maya, Mexico as the backdrop for an impromptu "O-H-I-O". Katie formed the "H" with a little help from her brother Joey, mom Maureen, and dad Joe (1991, DDS).Alumni, Current students, Families, Latin America/Caribbean
""O-H-I-O" at Put-In-Bay"
by Jordan Etzel - 4th Year psychology student
OSU students at Put-In-Bay this summer!Current students
"Cape Hatteras, North Carolina"
by Danielle - Senior, Exercise Science
Current students, US
"Buckeyes in Aruba 2013"
by Paige Lachey - Finance, 2014
Four Ohio State students show their Buckeye pride in the ocean off the coast of Aruba. Go Bucks!Current students, Latin America/Caribbean
"Buckeyes in Paris"
by Emma Butler - English and French '14
Buckeyes participating in the Montpellier Summer Intensive Program pose with the Eiffel Tower during a weekend trip to ParisCurrent students, Europe
"NASA Curiosity Rover"
by Simon - ME, Class of 2014
3 Ohio State Engineering Interns at NASA's Jet Propulsion Lab doing O-H-I-O with the Mars Curiosity RoverCurrent students, US
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The activist, who was arrested after scaling a flagpole to remove the Confederate Flag from the South Carolina State House, has issued a...
Julia Roberts Cover Shoot
Ten-year-old London-based studio Doshi Levien (brainchild of insider favorites Nipa Doshi and Jonathan Levien) always gets people talking. Here, it reinvents a classroom staple with these comfortable Paper Planes reading chairs. Made by Italian furniture manufacturer Moroso, the chairs were inspired by folded graph paper, and the classic checker pattern is highlighted with thin lines of crystals.
I love the movement and color in the Kartell Front Page filing rack—like magazine pages blown open—by Front, a Swedish collective made up of three forcefully imaginative women.
Drew Barrymore's Style


text: First visit to this area of France and would recommend it to families with children looking for historical places to visit combined with an extensive range of activities. The accommodation exceeded our expectations and was an easy drive from Bergerac Airport. Plenty of space for children to play in and a large safe swimming pool. Owners provided assistance if required... more


text: August 2014 Permissions COVER PACKAGE: ORGANIZATIONAL & EMPLOYEE DEVELOPMENT Culture Clash! About half of all corporate marriages end in divorce—but with HR's help, you can work it out. By Susan Milligan 5 Types of Bad Bosses What HR can do to improve the performance of the most common types of problem managers. By Dori Meinert Performance Management Gets Social Adding social media to the review process creates a dialogue on performance that can be updated daily rather than annually. By Edie L. Goldberg, Ph.D. FEATURE Profile Social Work Ambrosia Humphrey, vice president of talent at Hootsuite, applies lessons in collaboration and transparency to HR. By Tamara Lytle AGENDA Benefits Communication Health Care Reform: Get Ready to Report Tick, tock. The ACA clock is winding down. By Joanne Sammer ADVICE & ANALYSIS Solutions Managing new employees' attendance; intermittent FMLA leave and work reductions. By Edward Yost, SPHR-CA HR Technology Systems of Engagement HR technology that enhances the user experience meets employee demands across the enterprise. By Dave Zielinski Legal Trends A Disturbing Picture How to control the professional damage caused by revenge porn. By Michael Arnold NEWS YOU CAN USE For ongoing coverage of news relevant to HR, visit the Online News section of the SHRM website. Executive Briefing Leadership development spending increases by 14 percent; companies urged to report workforce health metrics in their annual reports. By Dori Meinert Court Report Retaliation occurred after FMLA leave; harassment stemmed from rejected advances; hostile environment caused by nonemployee. What's New Health and safety; staffing; talent management, more. PERSPECTIVES From the CEO How HR Can Live Up to Its Name By Henry G. Jackson Q&A No-Drama Queen Ditch workplace drama and say "yes" to what's next, advises best selling author Cy Wakeman. Interview by Kathryn Tyler Trend Watch Pay Disparity May Breed Discontent Employee demands for higher pay may be imminent. By Jennifer Schramm Member Spotlight Mike Letizia, PHR-CA, principal consultant at Letizia HR Solutions HR Magazine Book Blog Management Tools Maintaining Engagement During the Lazy Days of Summer By Paul Falcone Permissions TOP PICKS: COMPENSATION Compensation Data Center Accurate and customized salary information Seminar: Compensation Essentials Attend in person around the U.S. or virtually from anywhere Compensation Handbook Guide to the most critical issues compensation and human resources professionals face today HR Salaries How do your pay expectations compare? From HR Jobs Esssentials of HR Management Seminar looks at comp & benefit, compliance, performance management and more Executive Compensation Authoritative guide to executive compensation--updated for today's business environment SHRM Benchmarks See how your rewards stack up Participate in Salary Surveys Express Request: Learn how to get free survey data by being part of a study. Aligning Business and Compensation Strategy SHRM E-Learning course Swipe for more! ADVERTISING LINKS


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Vision Quest Community School, a new teacher-led Rochester elementary school in New York, is being planned and created by a coalition of parents and teachers. Their proposal is for an arts-rich curriculum emphasizing active learning in long school days and providing a transition to the School of the Arts.
Read more
Raleigh County chose one of its own, Assistant Superintendent David Price, to lead the 30-school district as superintendent. He will replace Superintendent Jim Brown.
Administrator Robert R. Neu has been chosen to lead Oklahoma's largest school district. He is currently superintendent of Federal Way Public Schools in Washington, a 22,000-student district that is about half the size of Oklahoma City's district.
A new law is getting rid of a 2008 state-mandated graduation requirement for seniors to complete a yearlong culminating project. However, local school boards will ultimately be allowed to decide whether to keep the senior project for the class of 2015 and beyond.
Chicago is adding the International Baccalaureate model to five more elementary and middle schools this fall. The expansion covers about 1,500 students and will provide updated art, science and library facilities and training for teachers and staff.
Harrisburg revised its district recovery plan after finding $11 million in its coffers. As a result, employees will receive a payment covering the 5 percent salary cut taken this year and full-day kindergarten will continue. The tax increases originally anticipated when the district believed it was facing a $4.5 million deficit will not occur.
After reviewing graduation rates, Campbell County administrators realized a good number of students who were held back in elementary or middle school took the opportunity to legally leave school after they came of age. Plans to increase the graduation rate include a new junior high summer school program and high school credit classes at the middle school level.
Although districts across New York will be asking voters to approve budgets with tax hikes, the state will send rebate checks to most property owners. The rebates will be paid only in districts that keep tax increases below a state-set tax cap of nearly 2 percent. Approximately 94 percent will stay under the cap.
Beth Schiavino-Narvaez, a top administrator in Maryland's Montgomery County school system, has been named as Hartford's next superintendent. She is expected to succeed Superintendent Christina Kishimoto on July 1.
Microsoft is officially releasing an advertisement-free version of its Bing search engine to all eligible K12 schools in the U.S. In addition, the no-charge Bing in the Classroom will automatically and strictly filter to help block adult content and disable the use of student searches for targeted advertising.
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To treat her skin after a summer with lots of sun and scorching temperatures, Angie joined us for a Lactic Plus Peel for this month's Star Treatment. Aja, Licensed Esthetician and Skin Creative/Training Team member at The Grand Salon at Polaris Parkway provided Angie with this incredible service.
Aja calmed Angie's "peel panic" by talking her through every step of the way and by explaining the benefits of this service. Post-service, and after a few thoughtful product recommendations, Angie's skin is super smooth, bright and looking beautiful for Fall.
Check it out:
Lactic Plus Peel: cwcolumbus.com
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I've never been confident; that is until Gwen got ahold of me! I was going through big changes in my life, and wanted a big change with my hair. We discussed what'd look good, and went with it! Now I have a rockin' cut, that I get compliments on wherever I go. I have NEVER felt confident like this in my life; and it's all due to Gwens' genius! Thanks Gwen!! You're a ROCKSTAR!
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Flowers were at their best show time in May when we went (May,2007). For colors so full of life , a must see for those natural nature lovers. Flowers from this area are air...
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Many families go here for picnic as there is lot of open grass between trees to play. The part reserved for Chinese medical herbs and trees might be nice to those who have interest for that. Within walking distance from this garden is Black Dragon Pool.
A well deserved garden with a great feature of Camellias and other Chinese exotics, the soon to be completed hot house will have several sections of differing climatic conditions.
Flowers were at their best show time in May when we went (May,2007). For colors so full of life , a must see for those natural nature lovers. Flowers from this area are air freighted to many parts of the world . The area is somewhat like Lisse , Holland and reminds me of such for the beauty.
I love botanical gardens and have seen beautiful gardens all over the world. I was a little disappointed in this one.... I hope you have a better experience.
old trees are very much cordial there ! i supose every season must be flowers blossom ! i don't find i dislike botanical things !
Spring is the best season to visit this place. Lots of beautiful tea flowers. The magnolias were also great! Will visit this place again in Spring if the opportunity arises. Admission fee was really cheap. Good value for money. A good place to get away from the hustle and bustle of Kunming City.
This is a nice part of Kunming, very family oriented. People are out picnicking, enjoying the flowers, getting their wedding photos taken, family photos, and just about everybody. It's a great place to relax too. Some of the flowers like the magnolia trees and amaryllis are spectacular and abundant.
nice to relax in a green environment, good to visit the greenhouses of cactus .
We visited the botanical garden when the Reticulata Camellia's were in full bloom. This is an extraordinary display of colours and forms. Don't miss the greenhouse with more than 30 different species of yellow Camellia's
What an enormous disappointment. Not a knowledgeable gardener or English speaker anywhere to be found, even on a busy weekend. Herbarium - closed! Begonia House - Closed! Tropical Greenhouse - Closed! Peculiar Plant House - closed! Cactus House - Closed! Monocot park - closed! Propogation labs - derelict! No English signs anywhere, even in the exhibition hall. Much of the...
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When someone sents you an unfinished text message, usually a fragmented sentence, which leaves you confused.
"Im trying 2 kick it with tom later, but he sent me a premature text!"
by Tre Florez July 02, 2008
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DESCRIPTION: (1869) Perennial in zones 7 and above, or colder if drainage is excellent. Perpetual spinach is incredibly long lasting, and at minimum will be producing in your garden for 9 months before going to seed. Rare, fine old European strain of Swiss Chard. Belongs to the same species as chard and beets, but the taste is more like a true spinach than ordinary chard. The leaves are more like spinach also - smaller smooth dark-green leaves that are flatter and more pointey with small mid-ribs.
Frost resistant and is a green that is available when everything else has bolted. Very longstanding in the garden, yielding from late spring through autumn if planted early. Needs water in a dry spell. We saw whole fields under cultivation in England.
Keeping picking the leaves! A great thing about perpetual spinach is that it is a cut and come again vegetable. The more you pick, the more the roots produce. Pick them young and tender for salads all year round. During the warmer months, perpetual spinach grows incredibly fast. I've sown in late spring before, and harvested 5 weeks later.
Perpetual spinach is great in the kitchen too. A big handful of leaves makes a great pizza topping. Add to curries, pies, pasta, tarts and quiches. A good last minute ingredient, either steamed in the pan or blanched briefly first. Even makes a fine spanakopita (spinach pie)! Don't toss the stems either - they can be eaten too and go well in curries.
Perpetual spinach is a great container vegetable and shade tolerant, making it perfect for small spaces, patios and balconies.
GB CULTURAL INFO: ALL/Matures 7-8/Harvest 44/Yield 200-810/Spacing 8"/
DAYS TO MAT: 50-60 days
WHEN TO PLANT: Early Spring, Summer, Fall in mild-winter areas
PACKET LABEL INSTRUCTIONS: Perennial in zones 7 and above. May be started in flats or pots, but chard is taprooted, so transplant promptly or direct-sow. Easy to grow and drought-tolerant vegetable will produce best when well-prepared soil and good drainage allow its roots to go deep. Prefers a sunny place and is slow to bolt. Can be planted from Spring onwards. Two months after planting or when plants are 12-18" tall, begin gently pulling off the outer leaves and new leaves will form or cut plant 2" from soil and new will re-grow. Adequate moisture and fertility will make for more tender leaves.
BOTANICAL NAME: Beta vulgaris var. cicla


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Will It Be A Blockbuster Or Small Time For The Chicago Blackhawks?
Depending on who you listen to, the Chicago Blackhawks could be headed in two very different directions with their summer plan.
On one hand, you have the potential for a big trade. Two consecutive first round exits will put pressure on any general manager to shake things up, and Stan Bowman could be looking for a big name to fill a big name, either on the blue line or in the middle.
The other way to go is the typical Stan Bowman route. Look at cheaper options and save the cap space until you find something you really want. Of course, Bowman has yet to find anyone to shell the dough out for that he's saving, which isn't necessarily a bad thing.
Should the Blackhawks go the trade route, and take a look at a big name, who could they target? Roberto Luongo? Wishful thinking. Someone like Sam Gagner could be available, or Joe Pavelski if Stan is really willing to give up some pieces. There have been whispers, more than once, about going after P.K. Subban as well, though I seriously doubt it.
You also have to look at names who could leave in a big trade. The obvious one is Niklas Hjalmarsson and his $3.5 million cap hit, which is suddenly very attractive given the contracts we've seen some defensemen pull down in the past couple of summers. A free agent next summer, Viktor Stalberg is also looking at a big payday. Both could be part of a large deal, if Stan chooses to go that route.
While it's nice to speculate about big names joining the Blackhawks, Stan Bowman's track record makes that a pipe dream at this point. Until we have proof to the contrary, look for the cost effective moves from Bowman. A guy like Daniel Winnik could be a nice cheap addition to play the bottom six and kill penalties. A guy like Peter Mueller could be worth the risk on a one-year deal.
Luckily, the Hawks aren't in a position where they absolutely have to make a deal. But there are glaring holes in the roster and we all know where they are. So while few are expecting the big blockbuster, I'd have to seriously question Bowman if he heads into the season with the same old issues on this team.
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1999 Chevrolet Silverado 2500 Q&A
1999 Chevrolet Silverado 2500 Question: brake light
had brake lines replaced and system bled the brakes are working very well yet the light remains on this is on a 1992 silverado 2500 with the 5.7 this is the idiot light on the dash - Iver
Answer 1
the brake light has nothing to do with the wear of the pads it is strictly for the hydraulic circuit. make sure parking brake lever is fully retracted. Possible hydraulic leak causing pressure differential switch to go off. Go to some auto part store and they usually read codes for free. they most likely wont be able to tell you what it means simply search it online - Visitor
Answer 2
Took to chevy dealer they bled brakes cost 123.00 - Visitor
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Boston Sports Post Game Show LIVE CALL-IN Shows | CLNS Radio
About This Show
Show Info: CLNS Radio is an Boston-based, online, sports radio station that broadcasts some of the most well known sports radio shows in the country. This feed is for the LIVE versions of our podcasts only. For the FULL CLNS Radio podcast schedule (20+ pro podcasts), please download our FREE Mobile APP in the iOS (http://clnsradio.com/iOSFREE) & Android (http://clnsradio.com/Android). The CLNS Radio air-waves go LIVE following every-single Patriots, Bruins and Celtics games. The CLNS locker room crew reports in to our post game shows from TD Garden and Gillette Stadium. To advertise with CLNS, or to explore our reasonable rates, please email our sales office at firstname.lastname@example.com OR call the North Station Media (CLNS) sales department at 570-338-2736. Support CLNS! We are now entering our 6th year servicing Celtics fans. Support CLNS for less than $1.99 and receive tshirt, travel mugs and/or entry in to our monthly autograph drawing. Go to www.patreon.com/clnsradio for more info!


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Recent Frame-Off Restoration, clean Florida car, True (138) Super Sport, beautiful Bolero red paint, factory black vinyl interior, 454 ci engine, Muncie speed manual... More
1967 Chevrolet Chevelle 2dr Post327 cui / 275 HP SBC (68 Block). 700R4 Automatic OD transmission. 10 bolt rear end. Painted Bright Yellow with... More
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The My Hot Cars Team is thrilled to have in our Livermore, CA showroom this beautiful Red on Red 1967 Chevelle Super Sport. ... More


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What does the research say? A large and growing body of research shows that investing in high-quality pre-kindergarten education yields benefits for children, schools, and communities. This summary describes the short- and long-term benefits of high-quality pre-k programs and the potential cost savings to communities. In addition, it outlines the key program criteria that contribute to pre-k success. Short-term benefits There is strong evidence showing that young children who participate in high-quality pre-k programs enter school more ready to learn than their peers. The national Early Childhood Longitudinal Study—Kindergarten Cohort shows that students who attended a pre-k program scored higher on reading and math tests than 1 children receiving parental care. Students who attended a child care center or other preschool program also showed gains, although former pre-k students exhibited the greatest achievement. Several state studies have also documented significant cognitive gains for children who receive pre-k. In Georgia, children who attended the state's universal program overcame the achievement gap they faced 2 prior to enrolling in pre-k by the time they finished kindergarten. Children who received pre-k equaled or exceeded national norms in eight of nine standardized assessments by the end of their kindergarten year. A significant gap remained, however, between white and black children, which researchers attributed in part to factors related to family income differences. Oklahoma, another state with pre-k for all children, has documented significant academic gains across all income and racial groups. Participation in pre-k was a more powerful predictor of children's pre-reading and 3 pre-writing scores than demographic variables such as race, family income, and mother's education level. An evaluation of the program in Tulsa, the state's largest school district, showed significant increases in letter-word identification, spelling, and applied problems among students on free or reduced-priced lunch and those not participating in the subsidy program. Children of all racial groups also exhibited academic gains. In particular, the study found a narrowing of the achievement gap for Hispanic children. These students exhibited an eleven-month gain in letter/word recognition and six-month gain in applied problem solving compared to the corresponding gains (nine- 4 months and three-months respectively) for white children. ———————————— ————————————— 1 Gormley, W., Gayer, T., Phillips, D., and Dawson, B., 2004b. The Effects of Universal Pre-K on Cognitive Development. Washington, DC: Georgetown University, Center for Research on Children in the U.S. 2 Henry, G., Ponder, B., Rickman, D., Mashburn, A., Henderson, L., and Gordon, C., 2004. An Evaluation of the Implementation of Georgia's Pre-K Program: Report of the Findings from the Georgia Early Childhood Study. Atlanta: Georgia State University, Applied Research Center. 3 William Gormley, Jr., Deborah Phillips, and Ted Gayer, "Preschool Programs Can Boost School Readiness," Science 320 (June 27, 2008), pp.1723-24. 4 Ibid. C-2 Effects of Tulsa Pre-K by Free Lunch Status, Race/Ethnicity, in Months1 One of the most far-reaching recent studies found marked increases in children's skills across five states— Michigan, New Jersey, Oklahoma, South Carolina, and West Virginia. Overall, children in state pre-k posted vocabulary scores that were 31 percent higher and math gains that were 44 percent higher than those of non-participants.2 These gains placed pre-k children three to four months ahead of non-participants, largely due to participation in the state program. The greatest gains occurred in print awareness, where participants had an 85 percent increase, which suggests these outcomes strongly predict later reading success. Long-term effects Most long-term pre-k research has focused on whether program effects fade out over time or produce lasting benefits for participants. Three major longitudinal studies which began in the 1960s and 1970s—the High/Scope Perry Preschool Project, the Chicago Parent Centers, and the Abecedarian Project—show demonstrably positive effects of quality pre-k on the future lives of young children. These projects remain relevant since they tracked the short- and long-term progress of participants, including one study that followed former program participants and a control group through age forty. In the High/Scope study, low-income black children randomly selected to receive the comprehensive preschool program showed impressive long-term results regarding educational progress, delinquency, and earnings. Seventy-seven percent of these youngsters eventually graduated from high school, compared with 60 percent from the control group. In adulthood pre-k participants were also less likely to be arrested for violent crimes, more likely to be employed, and more likely to earn higher wages than those in the comparison group.3 _______________________________ 1 Professor William Gormley, Georgetown Public Policy Institute, Presentation to National School Boards Association, September 8, 2008. 2 W. Steven Barnett, Cynthia Lamy, and Kwanghee Jung, "The Effects of State Prekindergarten Program on Young Children's School Readiness in Five States" (Rutgers University, National Institute for Early Education Research, 2005). 3 L. J. Schweinhart et al., Lifetime Effects: The High/Scope Perry Preschool Study Through Age 40 (2005). C-3 Among states with long-term results is Michigan, where children from the state pre-k program had higher pass rates on the fourth-grade literacy and math tests compared with non-participants.1 Cost Savings High-quality pre-k programs also provide substantial cost savings to federal, state, and local governments. Numerous studies have shown a reduced use of special education services and lower grade retention among pre-k participants. In the Abecedarian study, for example, 24 percent of pre-k children received special education services, versus 48 percent of the control group. Given the high cost of these interventions pre-k can produce significant financial benefits for school districts. Economic analyses have sought to quantify these and other societal outcomes (i.e., less delinquency, decreased dependence on public assistance, increased employment and earnings) in real dollars. Table 1 shows the cost benefits per $1 invested for each of three long-term pre-k studies. Estimates for the long-term payback of a non-targeted voluntary, universal preschool program range from $2- to-$4 for every dollar spent. Characteristics of Quality As interest in pre-k has increased and more states have implemented pre-k programs, policymakers have identified core requirements for program success. These include: Highly trained teachers with expertise in early childhood education, learning goals tied to K–12 standards, low child/staff ratios, and small class sizes. Teacher training Model pre-k programs such as the Perry Preschool and Chicago Parent Centers validate the benefits of hiring teachers with a strong background in education and training. More recent state pre-k studies also document the effectiveness of programs with BA-certified teachers.2 Experts emphasize the need for teachers with college degrees who can deliver educational programming and who are paid at sufficient levels that promote retention. Among thirty-eight states with pre-k programs in 2007: • Twenty-two require a teacher to have at least a bachelor's degree. • Thirty-two require teachers to have specialized training in pre-k or preschool. • Twenty-nine require pre-k teachers to obtain at least 15 hours of in-service training.3 ____________________________________________ ________________________________ 1 Gilliam, W. and Zigler, E., 2004. State Efforts to Evaluate the Effects of Pre-kindergarten 1977-2003. New Haven, Conn.: Yale University Child Study Center. C-4 2 Gormley et al. 2004a; Barnett, Lamy, and Jung 2005. 3 Preschool Yearbook, 2007. In most cases, state pre-k programs have stronger teacher qualifications than those in the federal Head Start program. Only recently did Head Start require 50 percent of its teachers nationwide to possess at least a bachelor's degree by October 2013. Learning standards and alignment There is wide agreement in the field that it is important for programs to have a set of learning guidelines in place to articulate what pre-k children should know and be able to do. As a result, most states have adopted some type of early learning or content standards. Georgia's universal pre-k program, for example, has content standards in seven areas: Language and literacy, mathematics, science, social studies, arts, health and physical development, and social/emotional competence. Illinois also includes foreign language as a particular content area. The specific details of these standards, however, often differ between states. Another way to promote learning goals is for states to align curriculum to provide a consistent framework of services for children aged three to eight or PK–3. Alignment of standards may be a necessary first step to sustain the positive effects of pre-k during elementary school, since children who attend low-quality schools 1 often have the highest degree of preschool fadeout. Few studies, however, have examined the strength of this alignment and its impact on the quality of education. Licensing and program standards After years of researching high-quality programs, pre-k experts have identified several common structural characteristics of quality programs. These include a child/staff ratio of no more than 10:1, and a maximum class size of twenty or less. In model programs such as the High/Scope Project and the Abecedarian study, a single teacher was responsible, on average, for less than seven children. These studies also had small 2 class sizes, from twelve in Abecedarian to seventeen in the Child-Parent Centers program. Conclusion The evidence is strong that high-quality pre-k can have significant short- and long-term impacts on children and their communities. This summary highlights some of the most recent and compelling research in the field. More in-depth information on the subject can be found on the Center for Public Education's web site at www.centerforpubliceducation.org. ____________________________________________ 1 (Bogard and Takanishi 2005) 2 (Ackerman and Barnett 2006). Prepared by Chrisanne Gayl For The Center for Public Education, 2008 C-5
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In C. Brewer & Co., Ltd. v. Marine Indem. Ins. Co. of Am., No. SCWC-28958 (Haw. Mar. 27, 2015), the Supreme Court of Hawaii ruled that liability coverage is not limited to only those locations defined in an insurer's schedule...more
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California Court Adopts Broad Interpretation of "Occurrence," Finds Coverage -
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In Penn Nat'l Mut'l Ins. Co. v. St. John, 2014 Pa LEXIS 3313 (Pa Dec. 15, 2014), the Supreme Court of Pennsylvania held that coverage was triggered under a commercial general liability ("CGL") policy "when property damage...more
In Greenwell v. Auto-Owners Ins. Co. (No. C074546, Filed 1/27/2015) ("Greenwell"), the California Court of Appeal, Third Appellate District, held a California resident could not establish specific personal jurisdiction over...more
In a per curiam decision without a published opinion, the Pennsylvania Supreme Court denied National Union Fire Insurance Company of Pittsburgh's ("National") appeal from a Superior Court decision holding that National had a...more
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Winter storm Juno is expected to hit this evening and last through Wednesday, impacting businesses from the Mid-Atlantic to New England. Millions may be affected by power outages and travel disruptions, and many may suffer...more
Welcome to the thirteenth edition of The Construction Advantage! In this issue, we bring you cases of expanded insurance coverage in New Hampshire and fraudulent concealment cases from California and Minnesota. We hope that...more
Where an insured loss causes damages that straddle multiple policy periods, insurers and insureds must determine which policies are implicated. Clear rules regarding "trigger" of coverage benefit policyholders seeking to...more
The Pennsylvania Supreme Court in Pennsylvania Nat'l Mut. Cas. Ins. Co. v. St. John, et al., 2014 WL 7088712 (December 15, 2014), has affirmed that a first manifestation trigger applies to property damage claims under a CGL...more
In a comprehensive and sweeping opinion, the Pennsylvania Supreme Court affirmed several key principles of commercial general liability (CGL) policy interpretation in Penn National v. St. John, decided on December 15, 2014....more
In Cincinnati Insurance Company v. AMSCO Windows, No. 13-4155 (10th Cir. November 26, 2014), Cincinnati insured AMSCO, which manufactures windows for use in homes and sells the windows to distributors. Certain AMSCO windows...more
A recent case serves as a reminder of one of many risks posed by making a full credit bid at a foreclosure sale: the lender may lose the right to recover insurance proceeds for pre-foreclosure damage to the foreclosed...more
In its recent decision in National Am. Ins. Co. v. Harleysville Lake State Ins. Co., 2014 U.S. Dist. LEXIS 160593 (S.D. Ind. Nov. 14, 2014), the United States District Court for the Southern District of Indiana had occasion...more
Casualty insurers normally do not expect to pay the cost of their insureds simply doing a good job. Insurers typically view their contracts as assuming the risk of delineated consequences – damages – if the insured's work...more
In State Farm Fire & Casualty Co. v. McDermott, 2014 WL 5285335 (E.D. Pa. Oct. 15, 2014), a federal court recently held that an insurer has no duty to defend or indemnify its insured against an underlying construction defect...more
On Sept. 19, the Fifth Circuit certified four questions to the Texas Supreme Court regarding coverage under a commercial general liability policy in U.S. Metals Incorporated v. Liberty Mutual Group Incorporated, No. 13-20433,...more
For years, product manufacturers relied on commercial general liability policies to defend and indemnify them for product liability claims. Although these policies may exclude coverage for pure economic loss or for damage to...more
Last week, the Pennsylvania Supreme Court let stand the appellate decision in Indalex, Inc. v. National Union Fire Insurance Co. of Pittsburgh, Pa., which held that mold related health problems and property damage allegedly...more
The insurance and construction industries have disagreed about coverage claims involving faulty workmanship for many years. Contractors believe their CGL insurance policies should always cover property damage caused by...more
All Sums or Pro Rata: Did You Get the Coverage You Bought?
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