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South Bend seeks new use for hall of fame building
City officials once thought the hall was a key factor in reviving the city. When the NFF announced in 1992 that it would move the hall to South Bend, then-Mayor Joseph Kernan, who later became governor, said the city could "bring 200,000 people a year to this facility in our sleep." But the hall drew about 115,000 people the first year it opened and about 60,000 annually after that.
Rick Walls, who served as executive director of the College Football Hall of Fame from 2005-07, said the hall was a victim of expectations that were too high. Predictions that people driving along the Indiana Toll Road would stop at the hall never materialized, he said.
"It just shows you the business is very difficult, no matter what your product is," said Walls, who is now executive director of the Cincinnati Reds Hall of Fame & Museum. "The hall of fame is a great facility, there's no doubt about it. It's a fantastic building and the exhibits and the archives are all top notch. It's just hard to do."
Walls, who also serves as president of the International Sports Heritage Association, said most sports halls of fames and museums are getting by.
"They're fighting and the challenges are there like with any museum. The economy for most seems to have gotten a little better this past year," he said.
Though it didn't happen in South Bend, city officials are eager to move forward with the next chapter in the building's history. City leaders say they hope someone will make an offer on the building by the end of March.
"We're waiting to see what proposals come in," Ford said.


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Press release from PR Newswire
Cliffs Natural Resources Inc. Temporarily Idles its Wabush Scully Mine Due to Forest Fires in the Region
Friday, June 28, 2013
Cliffs Natural Resources Inc. Temporarily Idles its Wabush Scully Mine Due to Forest Fires in the Region20:39 EDT Friday, June 28, 2013
CLEVELAND, June 28, 2013 /PRNewswire/ -- Cliffs Natural Resources Inc. (NYSE: CLF) (Paris: CLF) announced today that it has evacuated employees from its Wabush Scully mine and temporarily idled the operation due to the forest fires in the region. The mine and processing plant are located in the town of Wabush in Labrador.
(Logo: http://photos.prnewswire.com/prnh/20101104/CLIFFSLOGO )
The Company stated that due to the rapidly changing wildfire, the safety of its workers and their families is its main priority. Cliffs will continue to monitor the situation and the local Wabush management team will determine when it is safe to resume operations.
Cliffs has been working with Wabush authorities to provide volunteer assistance and earth moving equipment to create a firebreak at a safe distance from the fire. The Company is also providing support with housing and cafeteria availability in Wabush and Fermont.
Cliffs employs nearly 500 people at its Wabush Scully mine.
About Cliffs Natural Resources Inc.Cliffs Natural Resources Inc. is an international mining and natural resources company. A member of the S&P 500 Index, the Company is a major global iron ore producer and a significant producer of high- and low-volatile metallurgical coal. Cliffs' strategy is to continually achieve greater scale and diversification in the mining industry through a focus on serving the world's largest and fastest growing steel markets. Driven by the core values of social, environmental and capital stewardship, Cliffs associates across the globe endeavor to provide all stakeholders operating and financial transparency.
The Company is organized through a global commercial group responsible for sales and delivery of Cliffs' products and a global operations group responsible for the production of the minerals the Company markets. Cliffs operates iron ore and coal mines in North America and an iron ore mining complex in Western Australia. In addition, Cliffs has a major chromite project, in the feasibility stage of development, located in Ontario, Canada.
News releases and other information on the Company are available on the Internet at: http://www.cliffsnaturalresources.com
SOURCE Cliffs Natural Resources Inc.
For further information: Jessica Moran, Director, Investor Relations, (216) 694-6532; Patricia Persico, Director, Global Communications, (216) 694-5316; EASTERN CANADA REGIONAL CONTACTS: Arlene Beaudin, District Manager, Public Affairs, Directrice, affaires publiques, T 418.964.3041 C 418.965.0287 F 418.961.4341, firstname.lastname@example.com; Annie Desrosiers, Directeur Developpement durable et Relation avec les communautes, Manager Sustainability and Community relations, (418) 287-2000 Office, (709) 280-5702 Mobile

subset: commoncrawl


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Boston Mayor
Boston Mayor Plans Gun Buyback Program After Boy's Shooting Death
Boston Mayor Marty Walsh said Saturday he plans to hold a gun buyback program in the city to deal with the recent spike in violence.
Boston Bar Foundation Honors Menino For Public Service
Former Boston Mayor Tom Menino will be recognized by the Boston Bar Foundation for his 20 years of leadership with the 2014 Public Service Award.
Marty Walsh Sworn In As Boston's New Mayor
An inauguration celebration was held at the Hynes Convention Center Monday night.
Tom Menino Leaves City Hall For Final Time As Mayor Of Boston
Tom Menino, the longest-serving mayor in Boston's history, walked out of City Hall for the final time in that position Monday morning.
Keller @ Large: Marty Walsh Should Proceed Cautiously
WBZ-TV political analyst Jon Keller talked to David Wade about Boston's new mayor moments after Marty Walsh was sworn into office Monday.
Mayor Tom Menino To Take Job At Boston University
According to WBZ-TV's Jon Keller, Mayor Tom Menino will join the Political Science department at BU once his term ends in January.
Menino Surprised By Voter Turnout, Will Support Walsh
Mayor Tom Menino spoke to WBZ NewsRadio 1030 about Marty Walsh's win and what he thought about the East Boston casino defeat.
Connolly, Walsh Appeal For Votes As Boston Mayor Race Enters Final Week
With a little more than a week left in their campaigns to become the next mayor, John Connolly and Marty Walsh were busy reaching out to voters on Sunday.
In-depth Analysis of Boston Mayoral Primary Election
September 28, 2013 On Tuesday September 24th, 2013 the people of Boston spoke by going out to the polls and voting for who they think should be the next mayor of the city of Boston. […]
12 Vying In Boston Mayor Race To Succeed Menino
Many Bostonians have never voted in a city election that didn't include Thomas Menino on the ballot, and some aren't old enough to remember a city without him at the helm.


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54 youngsters chosen to visit White HouseWASHINGTON — A South Dakota girl's recipe for a healthy school meal won her a trip to the White House and an opportunity to meet President Barack Obama and First Lady Michelle Obama at a Kids State Dinner on July 18.
By: Alex Gangitano and Jerry Hagstrom, Agweek
WASHINGTON — A South Dakota girl's recipe for a healthy school meal won her a trip to the White House and an opportunity to meet President Barack Obama and First Lady Michelle Obama at a Kids State Dinner on July 18.
The children in attendance all submitted winning recipes to the Healthy Lunchtime Challenge. In support of Michelle Obama's "Let's Move!" project, the young chefs had to make recipes that adhered to the U.S. Department of Agriculture's "MyPlate" guidelines, in which half the plate is fruits and vegetables, the other half protein and grains.
The winners were chosen by a panel of judges, including Sam Kass, White House chef and executive director of "Let's Move!"
Sabrina Swee, 12, of Beresford, S.D., came up with a recipe for Hawaiian Kale Wraps.
The winner in each state and U.S. territory — 54 kids in all — were flown to Washington by Delta Airlines for the Kids State Dinner, at which the president and first lady promoted healthier school meals.
"A chef from our state will come and talk to our school about healthy eating," Swee said as she toured the White House kitchen garden. Swee said she has already seen changes in the nutritional value of her school lunches since the rules under the Healthy Hunger Free-Kids Act went into effect, and she hopes her recipe will be served in her school.
Other state winners from the Upper Midwest who attended the luncheon included Tegan Lancaster, 11, from Fargo, N.D., who submitted a grilled veggie brunch; Sophia Webster, 12, from Maplewood, Minn., who submitted quinoa and black beans; and Chloe Long, 10, from Frenchtown, Mont., who submitted a "What! You Don't Like Tofu" stir fry.
The first lady urged the children to become involved in her campaign to keep the healthier meal rules that U.S. Department of Agriculture has established, but the School Nutrition Association, which represents school food service directors and food companies that make school foods, and House Republicans want it scaled back.
The first lady called the members of Congress leading the pushback as "complaining voices," and urged the children attending the third annual White House Kids' State Dinner to join her in the battle.
"Now, I know that some of you might have friends who want to bring back the junk food in the schools, right?" the first lady said in the State Dining Room.
"Because there's always those kids," she said. "They're like, give me my junk food back. And I know that in recent months, we've even seen grownups, including folks in Congress, trying to undo some of the progress that we've made to get healthier food into our schools. And while the vast majority of the schools are doing just fine with these new standards, those few complaining voices, happen to be the loudest voices and they're getting the most attention right now.
"It's not surprising that there are certain interests that are resisting change and trying to take us back to the old ways of doing business because for them there's a lot of money on the line."
The first lady said, "You all have a right to expect that your hard-earned tax dollars will be spent on food that meets basic nutrition standards," noting that the federal government spends $10 billion per year on school meals.
"You all represent 54 reasons why we know that we can do so much better by our kids when it comes to eating healthy because the truth is, is that if 8-, 9-, 10-year-olds can cook and happily eat a healthy, tasty meal, then there is absolutely no reason why we can't get nutritious foods into every school in this country that kids will actually enjoy. You guys remind me of that every single day."
When President Barack Obama arrived to speak at the event, he acknowledged that even the first family — including daughters Malia and Sasha — likes less-than-healthy food.
"One thing — maybe I shouldn't say this — but it's not like our family, including me, don't have some snacks once in a while that may not be on the perfect nutrition chart," Obama said.
The president listed the family food weaknesses: Malia, ice cream; Sasha, pie; the first lady, French fries, and his own downfall, chips and guacamole.
"Basically, if there is a bowl of good chips and guacamole … I lose my mind," he said.
But the president added all the Obamas have learned to control themselves.
Malia, he said, "still has fun when she does have ice cream. In fact, the fact that she doesn't have ice cream every day means when she has it, it's like hallelujah."
The first lady added, "I'm making a vow — I'm going to take a break from French fries."
The event included a three-course lunch, incorporating nine recipes by the winners. Joining them at the lunch was the first lady, Kass and NBC "Today" show weatherman Al Roker.
After lunch, performers from the Broadway musical of "The Lion King" entertained.
In her closing remarks, the first lady acknowledged the winners as young leaders and challenged them to "pay it forward."
The group then explored the White House kitchen garden, which Kass said "is where it all started for us."
Tags: agribusiness, updates


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Join the owners' forum for tips, comments, questions and answers:
86 Honda XL 350 R discussion
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Resolution: standard / high
Figure 4.
Frequencies of gains and losses throughout the genome in all gastric adenocarcinomas from Caucasian SA patients. Clones are sorted by position per chromosome (1-22). Vertical lines indicate transition between chromosomes; dashed vertical lines indicate centromere position.
Buffart et al. BMC Medical Genomics 2011 4:7 doi:10.1186/1755-8794-4-7


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Current Practices and Anticipated Changes in Quantitative and Qualitative Admission Information Sources for Entry-level PharmD Programs
Chesnut, Renae J.
MetadataShow full item record
SubjectDoctor of Pharmacy degree--Admission--Evaluation.; Pharmacy--Vocational guidance.; Doctor of Pharmacy degree--Admission--Evaluation.
The Problem: This study's purpose was to describe and compare current and anticipated pharmacy admission procedures including documentation of studies that relate admissions criteria with achievement in pharmacy education and practice. Procedures: An author-constructed survey collected data from pharmacy programs on current and anticipated admission processes, as well as the presence of assessment self-studies. A 92% response rate was achieved. Findings: A lack of significant changes was demonstrated between admission practices used for the Fall 1997 entering class and those anticipated for Fall 2000. Likewise, qualities sought and information sources used to measure these qualities are not expected to change significantly. Changes can be expected in the area of assessment /validation practices. Conclusions: (1)Current practices are not expected to change. (2)Qualitative and quantitative admission information sources are utilized. (3)Affective qualities and information sources listed in the health care literature are those used in pharmacy program admissions. (4)Many programs do not undertake local studies and are unsure of their assessment procedures in the future. (5)Most pharmacy programs (82%) feel they are meeting the adopted American Council on Pharmacy Education (ACPE) Guidelines 16.3 and 16.5. Recommendations: (1)Complete studies after the admission process for the fall 2000 to verify these respondents' perceptions. In addition, complete studies on Bachelor of Science program admission practice changes when programs transition to an entry-level PharmD. (2)Publish studies on admission sources that predict success as a student and a practitioner. (3)A lack of significant changes does not signal concern but indicates that programs consider non-academic qualities. (4)ACPE's standards appear to be realistic and applicable to pharmacy programs. Most representatives feel their programs are achieving ACPE. However, each program's practices and procedures should be further examined.
132 leaves. Advisor: Thomas Westbrook. Renae Chesnut is Associate Dean for Academic and Student Affairs in the College of Pharmacy and Health Sciences and can be contacted at firstname.lastname@example.com
Related items
Showing items related by title, author, creator and subject.
"Current practices and anticipated changes in academic and nonacademic admission sources for entry-level PharmD programs" Chesnut, Renae J.; Phillips, Charles R. (American Association of Colleges of Pharmacy, 2000)The purpose of this study was to describe and compare current admission practices with anticipated changes in academic and nonacademic admission information sources for entry-level PharmD programs. An author-constructed ...
An Evaluation of the Curriculum for the B.M.E. Degree at Drake University Through A Survey of its Graduates Hager, Glen Allen (Drake University, 1970-05)
Effectiveness of the Counseling Interview Through the Degree of Client Satisfaction Kurth, Warren Henry (Drake University, 1963-08)


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The week in pictures - 10/4/12
Published 10/04/2012 | 18:51
Some of the pictures that caught our attention this week . . .
Published 10/04/2012 | 18:51
Some of the pictures that caught our attention this week . . .
The Brandon House Hotel was the scene for a fashion show with a difference under the title 'The Height of Fashion at Low Prices' last Tuesday night.
Andrew Collyer The month of May provides an abundance of flower colour. A multitude of shrubs and many perennials are in full flowering pomp convincing us that winter is well and truly over and that the dog days of summer are just ahead of us. It's easy to be swept up by this avalanche of petals and blossoms.But there are more subtle, gentler and often...
Pete Wedderburn Summer isthe itchiest time of year for pets. Dogs and cats that have healthy skin for the rest of the year break out in rashes, scabs and hot spots. Animals that normally never raise a foot to scratch themselves start to itch continuously. What is it about the summer months that makes pets' skin so sensitive?
Duncannon Fort will be reopened, offering a better visitor experience than ever before,...News
The lack of a traffic management plan for the...News
The Hook peninsula forms a major part of Fáilte Ireland's Ancient East programme of attractions and this can only be good for...News
Three New Ross Schools were presented with national awards at the Young Social Innovators Awards and Showcase 2015 in Citywest...News
A row broke out after Cllr Anthony Connick...News
Aggressive, unsolicited begging on the streets in New Ross could lead to vigilantism, the meeting of New Ross Municipal District...News
Horses are wild dogs are causing chaos for the residents of an estate in New Ross.News
St Mary's Secondary School's YSI group 'No Home Not...News
Marcella O'Connor, who passed away recently,...News
The Apex is attracting double the crowds in comparison to when it first opened.New Ross Standard


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February 9, 2010
AIDA-America, Dayton, Ohio, has added three distributors to its North American sales network.
PTW Sales LLC, Chagrin Falls, Ohio, is distributor for Ohio; AMP Machinery Systems Inc., Carol Stream, Ill., covers northern Illinois; and M-Tech, Hoover, Ala., handles Alabama and Mississippi.
Todd Bridigum, welding instructor at Minneapolis Community and Technical College and author of, "How to Weld," provides an overview of the various principles behind welding aluminum successfully.
Watch Tube & Pipe Videos by TPJ TV


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This bulletin applies to all banks, credit unions, and licensees. The purpose of the bulletin is to affirm the examination policies and procedures of each of the Division of Bank's (Division) three examination units. The Financial Institutions Supervision (FIS) Section conducts safety and soundness examinations of banks and credit unions. The Community Reinvestment and Outreach (CRA) Unit conducts a specialty examination of all banks and credit unions to evaluate their performance under the provisions of the Massachusetts Community Reinvestment Act. The Consumer Compliance Unit also conducts a specialty examination of all banks and credit unions for compliance with applicable consumer protection laws and regulations. The Consumer Compliance Unit also conducts examinations/ inspections of persons (defined as natural persons or organizations including corporations, partnerships, associations, cooperatives, or trusts), which are licensed by the Division, to ensure compliance with all applicable statutes and regulations as well as to ensure financial responsibility through a modified safety and soundness review.
It is a policy of the Division to provide banks, credit unions, and licensees with sufficient advance notice of examinations. Credit unions under $5 million in total assets are the only current exception to this policy. The Division reserves the right to examine any institution or entity under its jurisdiction without notice. Each unit's notification procedures are described in this section.
- Financial Institution Supervision
Each examination cycle, the FIS Section sends advance written notification of examination to the chief executive officers of banks and credit unions scheduled for safety and soundness examinations. The notice states the approximate calendar period in which the examination is tentatively scheduled. A brief survey accompanies the notice and requests, among other things, the preference of the bank or credit union regarding the CRA and Consumer Compliance examinations. Each bank or credit union may indicate its preference to have these specialty examinations conducted either concurrently with the safety and soundness examination or separately at another time.
If a bank or credit union requests to be examined simultaneously for safety and soundness, CRA, and Consumer Compliance, the FIS Section will notify the specialty examination units and will assume the prime responsibility for coordinating the scheduling process, including delivery of pre-examination materials. Every effort is made to accommodate the institution.
On June 26, 1995, the Division implemented special procedures for small credit union examinations that specify no advance notice of safety and soundness examinations. Therefore, the annual preference survey will not disclose the quarter of the year during which the examination is scheduled.
Banks and credit unions will receive notice of their CRA examination approximately 45 days in advance of the quarter in which the examination is scheduled. The Division must publish a list of banks and credit unions scheduled for CRA examination at least 30 days in advance of the calendar quarter in which the examination is scheduled pursuant to 209 CMR 46.45. In order to meet the publishing deadline, a CRA & Outreach Unit manager will contact targeted banks and credit unions at least two weeks prior to the publishing date to confirm that the examination will be conducted during the next quarter and to verify that no conditions exist that might adversely affect the conduct of the examination.
Should a bank or credit union prefer its CRA examination independent of the safety and soundness examination, the Division's goal is to conduct the CRA and Consumer Compliance examinations either concurrently or in close proximity to one another.
- Consumer Compliance
- Financial Institutions
The Consumer Compliance Unit makes every effort to coordinate with the CRA & Outreach Unit if a bank or credit union prefers an examination independent of the safety and soundness examination. The Consumer Compliance Unit will either directly, or in conjunction with the CRA & Outreach Unit, notify the bank or credit union approximately two weeks in advance of the start of the on-site examination.
- Licensees
Examinations of licensees are conducted independently by the Consumer Compliance Unit. Licensees will receive approximately two weeks advance notice of a scheduled examination from either a Regional Field Manager or the Examiner-in-Charge.
- Financial Institutions
- Financial Institution Supervision
It is a Division policy that at least two weeks prior to the start of an examination, senior management of the entity to be examined will be contacted by a Field Office Supervisor, a Regional Field Manager, or the designated Examiner-in-Charge, and advised of the actual start date of the examination. At that time, a pre-examination package, containing questionnaires and/or requests for information, will be either hand delivered or mailed to the senior management of the entity. In order to expedite the examination, it is important that all requested material be completed prior to the arrival of examiners. The Field Office Supervisor or Regional Field Manager can address questions about the requested information and unexpected scheduling problems.
A qualified examiner is placed in charge of each examination, under the supervision of a Field Office Supervisor and/or a Regional Field Manager, who are part of the Division's management structure. These managers are available to the examined entity to resolve any problems which may arise during the examination and act as liaison between the field examination staff and senior management in the Division's Boston Office.
Each examination has a time budget established by a manager and the examiner-in-charge. The budget is normally based on appropriately adjusted historical time records for examinations of the entity. Where past records are not available, or not representative, the budget will be based on recent examinations of comparably-sized entities. The examination time budget may be exceeded, but only with the approval of the Division's senior management after receipt of a written request from the examiner with a satisfactory explanation of the reasons.
When the safety and soundness and specialty examinations are conducted concurrently, the examiner-in-charge for the FIS Section will be responsible for coordinating all requests for information to avoid duplication of efforts.
- Scheduling
An exit meeting shall be held at the end of each examination. This will be scheduled by the examiner-in-charge and management of the examined entity at a mutually acceptable time. The purpose of this meeting is to discuss the preliminary findings of the examination.
At the exit meeting, the entity may be represented by its senior staff and members of its governing board. Attendance of board members is optional; however, board members are reminded that they have a fiduciary obligation to demonstrate active involvement in the affairs of the entity and to be fully aware of the contents of the reports of examination. They should be actively involved in discussions on the topics of the examination. For out-of-state licensees, this meeting may be conducted either fully or partially by means of a telephone conference call.
- Disclosure of Ratings
The Division will be represented by the examiner-in-charge, a member of the Division's management staff, and any other examiners that may be needed for presentations. At this meeting, the representatives of the bank, credit union, or licensee will be apprised of the examiner's proposed component and composite ratings, as well as any recommendations for formal or informal enforcement actions. The only exception to this is that the Consumer Compliance Unit will disclose only composite ratings to licensees. These proposed ratings, however, are not final until the completion of the review process conducted by the Division's senior management.
- Draft Reports of Examination
Prior to the exit meeting of all CRA examinations, a numbered copy of the draft report of examination will be given to management and collected at the end of the meeting. In other examination units, a draft report of examination may be provided at the Division's discretion. For all distributed examination reports, the examiner-in-charge must clearly label examination materials as "Draft." In addition, institutions should be aware that all copies of any draft materials are confidential and should not be subsequently redisclosed to third parties without the permission of the Division. Institutions should also be aware that all draft examination comments are preliminary drafts and as such are subject to further review by senior management of the Division.
- Scheduling
A formal meeting with the board and the Division shall be held as warranted; but, such a formal meeting is mandatory with examined entities assigned composite ratings of 3, 4, or 5 for safety and soundness, or 3, 4, or 5 for Consumer Compliance, or performance ratings of Needs to Improve or Substantial Noncompliance for CRA. The Division will be represented by the examiner-in-charge and a member of management. This meeting will normally be scheduled after completion of the examination and after the Division's senior management has reviewed and concurred with the findings of the report; but, it may be before the final report of examination has been issued by the Division. In banks and credit unions, the meeting will normally be timed to coincide with a scheduled board meeting, and the full board would be expected to attend. However, for licensees, senior officials may attend the meeting in lieu of board members.
A bank or credit union's primary federal regulator will usually be invited to attend, and similarly, the Division may attend any meetings called by federal regulators. The Division may also invite the applicable private excess share/deposit insurer to attend. The primary purpose of this meeting would be to report material findings of the examination and to place emphasis on corrective measures deemed necessary.
It is a goal of the Division to issue all reports of examination to examined entities thirty days following the completion of the examination. However, unanticipated complex issues may require more time and resources, thus delaying the review and editing of some reports of examination and delaying their issuance.
All reports of examination are confidential by statute. Copies of reports of examination shall be made available only to the examined entity and to those persons, organizations or agencies who have received the prior written approval of the Division. (See RB 1.1-104, Public Information Requests.) However, the Division has authorized that copies of reports of examination may be made available for individual study by the directors, trustees, and senior officials of examined entities subject to the following conditions and restrictions:
- To retain confidentiality, the copies must be numbered and allocated only to directors, trustees, and senior officials, and
- After review, the copies must be returned and destroyed.
Directors, trustees, and senior officials should be made aware that the improper use of these reports will be considered a breach of fiduciary duty and a serious statutory violation.
- Financial Institutions Supervision
Upon the recommendation of the Federal Financial Institutions Examination Council ("FFIEC"), the Federal Deposit Insurance Corporation ("FDIC") adopted a policy statement on November 26, 1979 entitled Uniform Financial Institutions Rating System ("UFIRS"). This statement was adopted by the National Credit Union Administration ("NCUA"), Federal Home Loan Bank Board, Board of Governors of the Federal Reserve System, and Office of the Comptroller of the Currency. The Division adheres to FFIEC standards and similarly adopted the UFIRS.
On December 19, 1996, the FFIEC updated the UFIRS. Coinciding with the recommendation of the FFIEC, the Division adopted and implemented the new UFIRS, effective for all safety and soundness examinations of banks beginning on or after January 1, 1997. For the purpose of credit union examinations, however, the NCUA and the Division did not adopt the new UFIRS. Therefore, all credit union examinations will continue to use the prior UFIRS, dated November 26, 1979. ( Credit unions should refer to Appendix A).
- Disclosure of Composite Rating
In accordance with the UFIRS, each financial institution is assigned a uniform composite rating based on an evaluation of pertinent financial and operational standards, criteria and principles. This overall rating is expressed through the use of a numerical scale of 1 through 5 in ascending order of supervisory concern. A 1 indicates the highest rating and least degree of concern, while a 5 is the lowest rating and therefore the highest degree of supervisory concern. A 5 rating would be indicative of an institution bordering on failure.
The examiner-in-charge assigns a preliminary composite rating at the conclusion of an examination. This rating is subject to review and may be changed by the Division's senior management. Composite ratings are disclosed in the open sections of the examination reports as well as in board or management exit meetings.
- Disclosure of Component Ratings
To implement the uniform rating system, the Division and other regulators utilize a similar scale of 1 to 5 to assess the key performance dimensions upon which the composite rating is principally based. These performance dimensions are commonly identified by the acronym CAMELS: Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. A 1 rating indicates strong or significantly higher than average performance and 5 rating represents critically deficient performance.
The sixth component of "S" for Sensitivity to Market Risk was added by the update to the UFIRS on December 19, 1996; as such, CAMEL was changed to CAMELS. The updated policy statement also reformatted and expanded the component rating descriptions and definitions, and placed more emphasis on the quality of risk management practices. As previously stated, the NCUA and the Division did not adopt the revised UFIRS for credit union examinations. Therefore, credit union examinations will continue to utilize the former CAMEL system.
Examiners review and analyze several quantitative and qualitative measurements before assigning CAMELS or CAMEL component ratings. Quantitative analysis measures tangible matters related to an institution's structure and operations. Qualitative analysis would involve reviewing the adequacy and effectiveness of policies and procedures, the integration of policies with short and long term goals and objectives, as well as the philosophy of management toward the operation of the institution. Analysis is not limited to these measurements when conditions indicate that further review is needed. Examiners also consider that each institution is unique and that performance is also affected by demographics, local competition, and other economic conditions
The examiner-in-charge assigns ratings to the components at the conclusion of an examination. As a matter of policy, the Division began disclosing the component ratings in reports of examination issued by the Division for examinations commencing after January 1, 1995. Preliminary ratings will be disclosed by the examiner-in-charge at the examination exit meeting with the board and senior management. The FDIC began disclosing component ratings in safety and soundness examinations in process as of October 1, 1996. In addition, the FDIC began disclosing component ratings in trust examinations, management information examinations, and U.S. foreign bank branch examinations that commenced after January 1, 1997. It should be noted that these component ratings are an integral part of the examination and, as such, fall under the same confidentiality rules as the full report of examination. (See above, Section VIII.)
- Disclosure of Composite Rating
For CRA examinations, the Division assigns banks and credit unions one of the following five descriptive ratings pursuant to G.L. c. 167, s. 14, and 209 CMR 46.28 and 46.61, as well as RB 2.3-102 Section III: Outstanding, High Satisfactory, Satisfactory, Needs to Improve, and Substantial Noncompliance. The rating reflects the bank's or credit union's record of helping to meet the credit needs of its entire community, including low- and moderate-income neighborhoods consistent with safe and sound operations.
In assigning a CRA performance rating, the Division evaluates an institution under the applicable performance criteria in accordance with 209 CMR 46.21 and 46.28, which provide for adjustments on the basis of evidence of discriminatory or other illegal credit practices. In addition, an exceptionally strong performance with respect to some aspects may compensate for weak performance in others. The institution's overall performance, however, must be consistent with safe and sound banking practices.
Entities licensed by the Division are required by statute to demonstrate financial responsibility. Also, certain statutes and regulations specify a dollar amount of net worth in order to conduct business. Accordingly, the Consumer Compliance Unit conducts limited scope safety and soundness examinations of licensees. The Consumer Compliance Unit uses the CAMEL rating system for these examinations as described previously under Financial Institutions Supervision. (See above, Section IX(A).) However, similar to credit union examinations, and due to the limited scope of its safety and soundness examination, the Division has not adopted the "S" component for Consumer Compliance examinations. ( Licensees should refer to Appendix A for definitions of CAMEL composite ratings.)
The Consumer Compliance Unit's primary mission is to examine all banks, credit unions, and licensees for compliance with all applicable consumer protection laws and regulations. The Division utilizes the uniform interagency consumer compliance rating system to assess Management, Violations, and Programs ("MVP"), upon which the Consumer Compliance composite rating is principally based. This system also uses a scale of 1 to 5 in which a 1 rating indicates strong or significantly higher than average performance and a 5 rating represents critically deficient performance. ( See Appendix B.)
In assigning the composite rating, all relevant factors must be evaluated and weighed. In general, these factors include the nature and extent of present compliance with consumer protection statutes, regulations and regulatory bulletins, management's commitment to compliance and its ability and willingness to take the necessary steps to assure compliance, and the adequacy of operating systems, including internal procedures, controls and audit activities designed to ensure compliance on a routine and consistent basis. The assignment of the composite compliance rating may also incorporate other factors that impact significantly on the overall effectiveness of an entity's compliance efforts.
At the conclusion of all bank, credit union, and licensee examinations, the examiner assigns the entity an MVP composite rating. For examinations of licensees only, the examiner also assigns a CAMEL composite rating. These are preliminary ratings that are subject to review and approval by the Division's senior management before the final report of examination is issued. While individual MVP component ratings are disclosed to banks and credit unions, only the composite MVP rating is disclosed to licensees. In addition, individual CAMEL component ratings are not disclosed to licensees due to the limited nature and scope of the safety and soundness examination of licensees.
As a matter of policy, the Division began disclosing composite ratings to institutions in reports of examinations issued by the Division for examinations commencing after January 1, 1995. It should be noted that composite ratings are an integral part of the examination and, as such, fall under the same confidentiality rules as the full examination report. (See above, Section VIII.)
- Financial Institutions Supervision
When the management of an examined entity disputes the preliminary composite or component safety and soundness or compliance rating(s) assigned by the examiner, the examiner should be requested to duly note the disputed rating(s) in the draft report of examination. The examination will be reviewed by the Division's senior management together with the noted disagreement(s).
After the final report of examination is issued, should management of the examined entity disagree with any 3, 4, or 5 safety and soundness, or compliance rating, then management may appeal the rating(s) by conveying the basis of the disagreement in writing with supporting documentation to the Division. The appeal should be submitted within forty-five days of the receipt of the report of examination. In the case of CRA, management may appeal a composite performance rating of Needs to Improve or Substantial Noncompliance. However, the appeal must be filed prior to disclosure of the public section of the report, which by regulation is within thirty business days of receipt of the report of examination. Notwithstanding these appeal criteria, at its discretion, the Division may consider a request for review of any rating, provided the request is submitted within the timeframes above.
A qualified senior manager, who is not directly involved with the particular examination unit, will be appointed by the Division to conduct a thorough and impartial review of the matter(s) being appealed. This review may include further communication with the examination unit managers, examiners, and the examined entity to ensure full understanding of all facts. Upon conclusion of the review, the manager's finding will be summarized and presented with a recommendation to the Division's Policy Group, which will ultimately decide whether a change should be made. The Policy Group is comprised of the Commissioner, First Deputy Commissioner, General Counsel, and two Senior Deputy Commissioners. The examined entity will then be advised in writing of the Division's decision.
In order to promote efficiency and productivity in the examination process and to be more responsive to the local needs of state chartered or licensed financial institutions, it is the Division's policy to assign examiners by geographic region. To implement this policy, the Division has established three regional field offices, each under the supervision of a Field Office Supervisor, a management position under the FIS Section.
The western Massachusetts field office is located in Springfield and covers Worcester County and west. The northern Massachusetts field office is located in Lowell and covers parts of Boston and north. The southern Massachusetts field office is located in Lakeville and covers parts of Boston and south. The field offices are used for off-site examination work, conducting meetings, training personnel, electronically transmitting reports of examination to the Boston Office, and storing reports of examination, work papers, and supplies. The field offices are also an integral part of the Division's disaster recovery plan.
Due to the large numbers of licensees, the Consumer Compliance Unit has a fourth geographic region to cover those entities located in the Metro West area. This is generally defined as the suburban areas west of Route 128 (I-95) and along the Route I-495 belt.
In addition to the Field Office Supervisors, who have primary responsibility for supervising safety and soundness examiners, the Consumer Compliance and CRA & Outreach Units have Regional Field Managers who supervise examiners for their respective units. The Field Office Supervisors and Regional Field Managers facilitate communication between the examiners and Division management in the Boston office, as well as between financial institutions and the Division. The Field Office Supervisors or Regional Field Managers provide financial institutions with advance notification of examination start dates, and are an on-going contact to answer questions or resolve any difficulties which may arise during the examination.
This bulletin was originally issued on December 30, 1994 as Administrative Bulletin 5-2 that was applicable only to safety and soundness examinations of banks and credit unions. The current bulletin is more expansive in scope and applies additionally to CRA examinations and compliance examinations of banks, credit unions, and licensees. Additionally, former Administrative Bulletin 5-3, entitled Availability of Examination Reports for Individual Study by Directors and Trustees of State-Chartered Financial Institutions, has been consolidated into this bulletin as Section VIII.
G.L. c. 167, s. 2; c. 167, s. 14 and 209 CMR 46.00; G.L. c. 140, ss. 96 - 114A and 209 CMR 12.00; G.L. c. 169 and 209 CMR 44.00; G.L. c. 169A and 209 CMR 45.00; G.L. c. 255B and 209 CMR 20.00; G.L. c. 255C and 209 CMR 20.00; G.L. c. 255D and 209 CMR 20.00; G.L. c. 255E and 209 CMR 42.00; G.L. c. 93, ss. 24 - 28 and 209 CMR 18.00.
Composite and component ratings of the Uniform Financial Institutions Rating System ("UFIRS") dated November 13, 1979. Note: This appendix is applicable to only licensees and credit unions .
COMPOSITE RATINGS - Definitions
Composite 1 - Institutions in this group are basically sound in every respect; any adverse findings or comments are of a minor nature and can be handled in a routine manner. Such institutions are resistant to external economic and financial disturbances and are more capable of withstanding the vagaries of business conditions than institutions with lower ratings. As a result, such institutions give no cause for supervisory concern.
Composite 2 - Institutions in this group are fundamentally sound, but may reflect modest weaknesses correctable in the normal course of business. The nature and severity of deficiencies, however, are not considered material and, therefore, such institutions are stable and able to withstand business fluctuations quite well. While areas of weakness could develop into conditions of greater concern, the supervisory response is limited to the extent that minor adjustments are resolved in the normal course and operations continue satisfactory.
Composite 3 - Institutions in this category exhibit financial, operational or compliance weaknesses ranging from moderately severe to unsatisfactory. When weaknesses relate to financial condition, such institutions may be vulnerable to the onset of adverse business conditions and could easily deteriorate if concerted action is not effective in correcting the areas of weakness. Institutions which are in significant non-compliance with laws and regulations may also be accorded this rating. Generally, these institutions give cause for supervisory concern and require more than normal supervision to address deficiencies. Overall strength and financial capacity, however, are still such as to make failure only a remote possibility.
Composite 4 - Institutions in this group have an immoderate volume of serious financial weaknesses or a combination of other conditions that are unsatisfactory. Major and serious problems or unsafe and unsound conditions may exist which are not being satisfactorily addressed or resolved. Unless effective action is taken to correct these conditions, they could reasonably develop into a situation that could impair future viability, and, as such, could constitute a threat to the interests of depositors. A higher potential for failure is present but is not yet imminent or pronounced. Institutions in this category require close supervisory attention and financial surveillance and a definitive plan for corrective action.
Composite 5 - This category is reserved for institutions with an extremely high immediate or near term probability of failure. The volume and severity of weaknesses or unsafe and unsound conditions are so critical as to require urgent aid from stockholders or other public or private sources of financial assistance. In the absence of urgent and decisive corrective measures, these situations will likely result in failure or some form of emergency assistance, merger or acquisition.
CAMEL COMPONENTS - Description
Capital Adequacy - Rated in relation to the volume of risk assets; the volume of marginal and inferior quality assets; the institution's growth experience, plans and prospects; and the strength of management. Consideration is also given to an institution's capital ratios relative to its peer group, its earnings retention and its access to capital markets or other appropriate sources of financial assistance.
Asset Quality - Rated in relation to the level, distribution and severity of classified assets; the level and distribution of non-accrual and reduced rate assets; the adequacy of valuation reserves; and management's demonstrated ability to administer and collect problem credits. Adequate valuation reserves and proven capacity to police and collect problem loans clearly mitigate to some degree the weaknesses inherent in a given level of classified assets. Asset quality evaluation also takes into consideration any undue degree of concentration of credits or investments, the nature and volume of special mention classifications, and the adequacy of lending policies and credit administration procedures.
Management - Evaluated against virtually all factors considered necessary to operate the institution within accepted banking practices and in a safe and sound manner. Thus, management is rated in relation to technical competence; leadership and administrative ability; compliance with regulations and statutes; ability to plan and respond to changing circumstances; adequacy of and compliance with internal policies; and depth of succession. The assessment of management also takes into account the quality of internal controls, operation procedures and all lending, investment and operating policies; and the involvement of the directors and shareholders.
Earnings - Rated with respect to the ability to cover losses and provide for adequate capital; earnings trends; peer group comparisons; the quality and composition of net income; and the degree of reliance on interest-sensitive funds. Consideration is also given to the interrelationships between the dividend payout ratio, the rate of growth of retained earnings and the adequacy of capital. The adequacy of transfers to the valuation reserve, and the extent to which extraordinary items, securities transactions and tax effects contribute to net income, are also assessed.
Liquidity - Rated in relation to the volatility of deposits; the frequency and level of borrowings; technical competence relative to structure of liabilities; availability of assets readily convertible into cash; and access to money markets or other ready sources of funds. The liquidity position is appraised over a period of time as well as on a particular date. The overall effectiveness of asset-liability management strategies is considered, as well as the adequacy of and compliance with established liquidity policies. The nature, volume and anticipated usage of credit commitments are also factors that are weighed.
CAMEL COMPONENT RATINGS - Definitions
The following is a description of the gradations utilized in conjunction with the evaluation of the five components of CAMEL:
Rating 1 - Indicates strong performance, significantly higher than average.
Rating 2 - Reflects satisfactory performance, which is average or above; this includes performance that adequately provides for the safe and sound operation of the institution.
Rating 3 - Represents performance that is flawed to some degree and as such is considered fair. It is neither satisfactory nor unsatisfactory but is characterized by performance that is at or below average quality.
Rating 4 - Refers to marginal performance, significantly below average. If left unchecked, such performance might evolve into weaknesses or conditions that could threaten the viability of the institution.
Rating 5 - Indicates unsatisfactory performance that is critically deficient and in need of immediate remedial attention. Such performance, by itself, or in combination with other weaknesses, threatens, the viability of the institution.
CONSUMER COMPLIANCE RATINGS - Definitions
The FFIEC developed and recommended the adoption of a uniform interagency consumer compliance rating system. This rating system was adopted by the FDIC which, in addition, devised the three component rating system: Management/Violations/Programs (MVP). The Division adopted the uniform interagency consumer compliance rating system. Ratings are assigned on the basis of the following guidelines. These guidelines do not preclude consideration of other factors which, in the judgment of the examiner, are deemed relevant to accurately portray the rating.
Rating 1 - An institution in this category is in a strong compliance position. Management is capable of and staff is sufficient for effectuating compliance. An effective compliance program, including an efficient system of internal procedures and controls, has been established. Changes in consumer statutes and regulations are promptly reflected in the institution's policies, procedures, and compliance training. The institution provides adequate training for its employees. If any violations are noted, they relate to relatively minor deficiencies in forms or practices that are easily corrected. There is no evidence of discriminatory acts or practices, reimbursable violations, or practices resulting in repeat violations. Violations are promptly corrected by management. As a result, the institution gives no cause for supervisory concern.
Rating 2 - An institution in this category is in a generally strong compliance position. Management is capable of administering an effective compliance program. Although a system of internal operating procedures and controls has been established to ensure compliance, violations have nonetheless occurred. These violations, however, involve technical aspects of the law or result from oversight on the part of operating personnel. Modifications in the institution's compliance program and/or the establishment of additional review/audit procedures may eliminate many of the violations. Compliance training is satisfactory. There is no evidence of discriminatory acts or practices, reimbursable violations, or practices resulting in well-defined patterns of repeat violations.
Rating 3 - Generally, an institution in this category is in a less than satisfactory compliance position. Institutions in this category are a cause for supervisory concern and require more than normal supervision to remedy deficiencies. Violations may be numerous. In addition, previously identified practices resulting in violations may remain uncorrected. Overcharges, if present, involve a few consumers and are minimal in amount. There is no evidence of discriminatory acts or practices. Although management may have the ability to effectuate compliance, increased efforts are necessary. The numerous violations discovered are an indication that management has not devoted sufficient time and attention to consumer compliance. Operating procedures and controls have not proven effective and require strengthening. This may be accomplished by, among other things, designating a compliance officer and developing and implementing a comprehensive and effective compliance program. By identifying an institution with marginal compliance early, additional supervisory measures may be employed to eliminate violations and prevent further deterioration in the institution's less than satisfactory compliance.
Rating 4 - An institution in this category requires close supervisory attention and monitoring to promptly correct the serious compliance problems disclosed. Numerous violations are present. Overcharges, if any, affect a significant number of consumers and involve a substantial amount of money. Often practices resulting in violations cited at previous examinations remain uncorrected. Discriminatory acts or practices may be in evidence. Clearly, management has not exerted sufficient efforts to ensure compliance. Its attitude may indicate a lack of interest in administering an effective compliance program which may have contributed to the seriousness of the institution's compliance problem. Internal procedures and controls have not proven effective and are seriously deficient. Prompt action on the part of the supervisory agency may enable the institution to correct its deficiencies and improve its compliance position.
Rating 5 - An institution in this category is in need of the strongest supervisory attention and monitoring. It is substantially in noncompliance with the consumer laws and regulations. Management has demonstrated its unwillingness or inability to operate within the scope of consumer laws and regulations. Previous efforts on the part of the regulatory authority to obtain voluntary compliance have been unproductive. Discrimination, substantial overcharges, and/or practices resulting in serious repeat violations are present.
Rating 1 - Management displays a positive attitude toward compliance and is capably administering an effective compliance program. Changes in consumer laws and regulations are promptly addressed in the institution's policies, and violations and deficiencies receive immediate corrective action.
Rating 2 - Management is adequately overseeing the institution's compliance program. Problem areas are few in number and easily corrected. Review of prior reports indicates a willingness to effect necessary correction of violations. If required, reimbursements are made voluntarily.
Rating 3 - Management is not devoting sufficient time to the administration of the institution's compliance program and previously identified violations remain uncorrected. Although knowledgeable of the requirements of the various laws and regulations, increased efforts are required to effectuate compliance.
Rating 4 - Management has not exerted sufficient effort to ensure compliance with the various laws and regulations. There is a lack of interest or capability in administering a compliance program which has resulted in numerous repeat violations.
Rating 5 - Management has demonstrated an unwillingness or inability to operate within the scope of consumer laws and regulations. Serious problems remain uncorrected and management's attitude towards compliance is poor.
Rating 1 - Violations, if any, are technical and easily corrected. There is no evidence of discriminatory acts or practices and there are no repeat violations.
Rating 2 - Any violations noted involve technical aspects of the law, or result from oversight or clerical error on the part of operating personnel. There is no evidence of discriminatory acts or practices and no reimbursable violations. Any repeat violations are few in number and technical in nature.
Rating 3 - Reimbursements, if present, involve several customers and are minimal in amount. There is no evidence of discrimination; however, violations may be numerous. Patterns of repeat violations may exist.
Rating 4 - Numerous violations are present and reimbursements, if any, affect a significant number of customers and are substantial in amount. Discriminatory acts or practices may be in evidence. Practices resulting in violations cited at previous examinations remain uncorrected.
Rating 5 - The institution is in substantial noncompliance with most consumer laws and regulations. Discrimination, numerous reimbursements, and/or practices resulting in repeat violations are present.
Rating 1 - An effective compliance program, including a system of internal procedures and controls, has been established. Recordkeeping systems and employee training arrangements are good. Changes in laws and regulations are promptly reflected in the institution's compliance program and procedures for handling consumer complaints are in place.
Rating 2 - Although a system of internal controls and operating procedures has been established to ensure compliance, violations have nonetheless occurred. Modifications in the institution's compliance program and/or establishment of additional review/audit procedures may be warranted. Personnel appear knowledgeable of compliance matters and training is satisfactory.
Rating 3 - Operating controls and procedures have not proven effective and require strengthening. Training is inconsistent and knowledge of regulations is weak in some areas. Management is not sufficiently involved in the compliance program to effect favorable changes.
Rating 4 - The compliance program is not effective and internal procedures and controls are seriously deficient. Personnel lack knowledge in several critical areas and there is no formal training. Management is not actively involved in administering the very rudimentary compliance program in place.
Rating 5 - There is no compliance program, written or oral. Knowledge of the laws and regulations is extremely limited and problem areas remain uncorrected.


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|Grape nuts
|2 Cup (32 tbs)
|Sifted flour
|1 3⁄4 Cup (28 tbs)
|1 Teaspoon
|1 Cup (16 tbs)
|Firmly packed brown sugar
|1⁄2 Cup (8 tbs)
|Sour milk/Buttermilk
|1⁄2 Cup (8 tbs)
Place cereal, about 1/4 cup at a time, on board or between waxed paper.
Crush with rolling pin until cereal resembles coarse meal.
Sift flour once, measure, add soda, and sift again.
Cream butter, add sugar gradually, creaming thoroughly.
Add flour, alternately with milk, a small amount at a time, mixing well after each addition.
Add cereal.
Chill until firm enough to roll.
Roll 1/8 inch thick on lightly floured board.
Cut with floured 2-inch cooky cutter.
Bake on ungreased baking sheet in hot oven (400°F.) for 5 minutes.
Make cooky sandwiches, spreading Fruit Filling between two cookies.
For crisp Tril-bys, spread filling between cookies just before serving.
To make Fruit Filling, combine 1 cup of chopped dates or raisins, 1/2 cup of sugar, and 1/4 cup of water in saucepan.
Cook over low heat stirring frequently until filling is thick enough to spread.
Add 1 tablespoon of lemon juice.
Makes about 1 1/4 cups of filling.


text:
I take escorts Manchester out at least once a week to fulfill my pleasures. The reason that I do so is because I do not have to put a lot of effort into one single relationship that is always bothersome to me. I do not have to worry about hurting someones feelings or not spending enough time with them. I go to work and when I feel like I want to go out I just make one single phone call and I can meet someone within an hour or two.
Money is not an issue to me so I always cover the expense of whatever we end up doing for the night. I usually will end up renting a house on a lake and do some swimming, boating, skiing and fishing. Later that night I will cook up a romantic candle lite dinner and see where the night hours take us.


text:
You are here
Sauteed Chicken Livers with Bacon and Mushroom
|Chicken livers
|2 Pound (organic)
|Canadian bacon
|1 Pound
|Fresh lime juice
|6 Tablespoon
|2 Clove (10 gm)
|1 Teaspoon
|Coriander powder
|1 Teaspoon
|Cumin powder
|1⁄2 Teaspoon
|3 Tablespoon (optional)
|Beech mushroom
|1 Cup (16 tbs)
|Miitake mushrooms
|1 Cup (16 tbs)
|Heavy cream/Almond butter
|1⁄4 Cup (4 tbs) (optional)
|Regular salt
|1 Tablespoon (optional)
|Lettuce leaves
1. Marinate chicken liver in lemon juice for 4 hrs.
2. Cut up bacon into smaller pieces.
3. Chop garlic, onion and both the mushrooms.
4. Fry bacons in a large skillet.
5. Remove bacon once it is just starting to crisp.
6. Add the chicken livers to skillet and sauté until nicely brown on each side. Do in small batches to avoid too much liquid in the pan.
7. Remove the livers and add the onions, garlic and mushrooms to the pan sauté for 5 minutes soft and browned.
8. Season with sage, coriander powder and cumin powder.
9. Pour in brandy to deglaze the pan.
10. Add back the bacon and livers and mix well.
11. Pour in heavy cream to thicken up the sauce and mix well.
12. Turn off the heat and let the flavors blend for a couple of minutes and serve.
13. Place Sauteed chicken livers over the lettuce leaves and serve.
Marinate chicken liver overnight or a few hours should be sufficient if you need a quick meal. For a different flavor you can also marinate in milk if you include dairy in your diet. Marinating cuts the strong flavor of the liver.
Instead of using cream if you want to stay paleo or primal you can add a little water or stock and then mix in 1-2 tablespoon of almond butter to thicken the liquid into a sauce.


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We've got the photos of the get the Royal look for less gowns! For every girl who has ever dreamt of being a Princess on her wedding day, now those royal dreams can almost come true! Thank Faviana– the company known for bringing Oscar inspired dresses to you– for having their pencils up during the…Published on May 02, 2011
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Floods, blizzards and car accidents can leave you injured, alone and trapped in your vehicle. But the Auto Survival Kit is loaded with essential gear for such emergencies. This zippered case attaches to the passenger side sun visor, so it's always within reach. Inside, there's a tactical survival knife with LED light, serrated blade, seatbelt cutter and spring-loaded window breaker. Plus, a reusable glow stick, emergency drinking water, two instant ice packs, bandages and other first aid supplies. Don't take chances — get one for every driver in your family.
See more details
Item # 202904
Invented by a New York City paramedic, the Auto Survival Kit has all the essential tools and emergency gear you need to exit your vehicle and apply basic first aid.
• Compact, all-in-one survival kit
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View CautiousInvestor's Comments BY TICKER:
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Weighing The Week Ahead: Time For An Upside Breakout? [View article]Apr 26, 2015. 11:07 AM | 1 Like |Link to Comment
Weighing The Week Ahead: The Start Of An 'Earnings Recession'? [View article]
First quarter earnings results aren't expected to be very good. According to data compiled by S&P Capital IQ, S&P 500 earnings per share are currently projected to be down 3.2% versus the same period a year ago. And while energy is the elephant in the room, four other sectors are expected to experience declines. But what is believed ahead of a reporting period, is not necessarily what is taken away at the end of a reporting period. The final S&P 500 earnings per share (EPS) growth rate typically ends up being two to three percentage points higher than what is expected at the start of a reporting period. A case in point was the fourth quarter of 2014. The final EPS growth rate for that period was 7.8% versus a 4.6% growth rate projected on January 9. The market may be pricing this in. MaybeApr 12, 2015. 09:16 AM | 2 Likes |Link to Comment
Weighing The Week Ahead: The Start Of An 'Earnings Recession'? [View article]
There are such things as earnings recessions and James A. Kostohryz recently studied the subject in a note published in March found here http://seekingalpha.co....
The importance of his study is that he notes market declines frequently occur outside of an earnings recession and the deep corrections found in earnings recessions (about 80% of the time) are because of overlap with economic recessions.
By most measures, a recession is not looming which significantly reduces the odds of an earnings recession precipitating a significant market correction.Apr 12, 2015. 08:09 AM | 3 Likes |Link to Comment
Weighing The Week Ahead: Will Economic News Alter Fed Policy? [View article]
January's release on retail spending supports bbro's thesis that we will likely see further declines in the gasoline and energy component Q215 GDP. In January, retail spending on gasoline plunged nearly 24% over the prior year. Excluding gasoline sales, retail sales rose 6.6% over the year, suggesting consumption spending should be supportive of growth in GDP this year. Even more so is accompanied by wage gains which many believe to be near at hand.Mar 1, 2015. 10:54 AM | 3 Likes |Link to Comment
Weighing The Week Ahead: Pundit Forecasts For 2015 [View article]
I was several days premature in calling a bottom in both equities and oil but clearly equities bottomed on Wednesday and took off with a jump in oil prices and made further gains Thursday and Friday on the back of carefully nuanced statements from the Fed.
Compared to a week ago, equities are significantly higher and back at record levels, ten years rates are fractionally higher and oil prices are generally a bit lower with both WTI and Brent struggling to find a bottom at 55 and 60, respectively. 60 on Brent is a big number as below that 40% of our shale production is uneconomic and many countries in the Middle East need 100 oil to balance budgets and fund social services. Lots of poker being played.
In looking at weekly charts, what we just experienced is unusual in the sense that the 5% correction was extremely compressed. Whether this is significant is not known but he correction itself, though, was preordained and likely rooted in technical and seasonal effects.
Assuming the market remains intact, cyclical rhythms and seasonal effects are likely to drive the market higher. A study of past corrections, reveals the typical fib correction to be about 50% (54% actual) and the subsequent high to be 110% of the retracement level. In, the data 110% popped up four times and 107% three times. The data strongly suggest retracements levels drive the market higher, not a statistic between cyclical highs.
Parenthetically, for a market to remain in channel for an extended period there must be a series of recurring mathematical sequences and events to control the pace of advance to remain within the channel envelop. This prompted my brief study.
Again, if the market remains structurally intact its likely the next top will be somewhere around 2170 (1972X1.1) or 190 points higher from where we are today and because of seasonality effects its very possible we may see a sizeable chunk of this gain during December. And if we get to 2170, a 50% retracement would bring us back to where we are today at around 2075 (2170-95) where there would be support for the next cycle.
Nothing herein should be construed as investment advice.Dec 21, 2014. 07:54 AM | 2 Likes |Link to Comment
And we are quickly reaching a point where lots of US shale will not be economic and, one would think, force cuts in production. Citi did a study of production breakeven costs for US shale producers and believes when Brent hits $60 close to 40% of all shale production will be uneconomic and below $50 almost 90% of all shale becomes uneconomic. Brent closed at $62 on Friday.
Dec 14, 2014. 11:03 AM | 0 Likes |Link to Comment
Oh, as to Fed watching this is from Northern Trust: Watching the Federal Reserve is a strange and esoteric pursuit. Observers are reduced to endless parsing of adjectives and adverbs, sorting hawks from doves and trying to identify the dots in scatter plots of Fed forecasts. Years ago, we even attempted to correlate the size of the chairman's briefcase with decisions to raise interest rates. Pretty sad, if you ask me.
Dec 14, 2014. 08:55 AM | 2 Likes |Link to Comment
Thanks Jeff, you navigated a very complicated week with skill and balance.
There were a few signs the market wanted to blow of some steam to deal with stretched valuations, a weak double top and a couple of others signs of stress and oil happened to be the perfect catalyst. But because oil has often collapsed and the market has traded up, I think its likely other variables are in play.
Those other things likely include fear of slowing global growth, winds of deflation and particular concern over the economic growth prospects for Japan, China and Europe. Europe is simply a mess with the economy on a gurney along with fresh signs of Greece imploding. And if Abe does not fire the politically unpopular third arrow of reform of labor markets and products markets, Japan will return to life support in the zombie recovery room.
And growth is slowing in China with many hard indicators pointing down. Less discussed is signs of tentative success in restructuring the economy to encourage greater participation by the consumer which would lead to, among other things, more cars. And we know what cars like and about 75% of all oil is used supporting transportation of all types.
I have a sense we are nearing a bottom in oil but I do not believe it will be a violent V recovery that some are expecting. It will be a challenge to find a bottom and we will need to watch for the dollar to stabilize, oil prices form a foundation and edge up and watch for the WTI volatility index ($OVX) to pull back. An edifice of resistance in WTI is at $92 and $97
As to the broader market, I think we are close to putting in a low as the ISEE call/put, $CPCE, VIX term structure inversion, 50DMA and McClellan oscillator all suggest relief is within sight. And if this should prove to be the case it would square beautifully with Chad Gassaway's thinking on the last two weeks of December. http://bit.ly/1GCsN08
Things to track not already mentioned would include junk bonds and "external borrowing done by governments and companies in emerging markets is denominated in U.S. dollars, which creates an additional challenge. The latest quarterly review of the Bank of International Settlements notes that loans of international banks to EMs amounted to $3.1 trillion in mid-2014, mainly in dollars. Also, three-quarters of the $2.6 trillion of international debt securities issued by EMs are in dollars."Dec 14, 2014. 08:47 AM | 4 Likes |Link to Comment
Weighing The Week Ahead: Time For Digestion? [View article]Nov 30, 2014. 02:50 PM | 2 Likes |Link to Comment
Weighing The Week Ahead: Time For Digestion? [View article]
Even though most markets were trading this past week, the suppression of liquidity from the US holidays likely dampened markets across the globe.
I think a subset of one of the themes you identify will be picking the winners and losers of the swoon in oil prices. Obviously most consumers are benefitting from lower oil prices but the drop in prices is not helping to increase inflation or raise inflation expectations.
Further, there is concern that many of the shale producers may have financial problems with the current trajectory of prices. From the many charts I have looked at, it would appear the breakeven prices for many of the Baaken producers is in the low $50s to $70, leading Citi to say to say it would have to fall to $50 or lower to halt shale production. Fitch said at $60 you start to price out a lot of critical mass production around the world, including shale and the Gulf of Mexico.
If prices continue to fall we will be forced to look at possible reductions in capital spending as the energy sector accounts for around 35% of CAPEX. Lastly, and perhaps most obviously, lower oil prices will cause problems in the high yield market where energy accounts for about 16% of junk bonds.
I agree with your picks in the energy space and at some point they will be very attractive.Nov 30, 2014. 11:37 AM | 4 Likes |Link to Comment
Weighing The Week Ahead: Are Investors Too Complacent? [View article]Nov 23, 2014. 11:15 PM | 1 Like |Link to Comment
Weighing The Week Ahead: Are Investors Too Complacent? [View article]
I'm not sure if there is complacency or simply too many thinking the same thing which raises questions as to the depth of thinking as there are many developments to be watching.
I think the term divergence will grow in use as major central banks pursue divergent policies with the US poised to tighten while the BOJ, ECB and PBOC continue to ease. Of course, this fuels the dollar and carry trades using yen to purchase dollar denominated assets.
There are also many divergences taking place within the market with the "divorce" of the S&P 500 from high yield bonds in June. Since that time, the S&P has moved higher while high yield has experienced higher spreads which historically is not a favorable.
The Yield on junk's back above 6%, comfortably above $SPX free cashflow yield. Stocks have had trouble making headway in this setup since '10. Other divergences include the performance of larger cap stocks versus smaller cap stocks and a 5% rise in the VIX as a new high is printed.
With respect to complacency and group think, bullish sentiment is beginning to reach extremes as seen in surveys, asset allocation and measures such as the ISEE call/put ratio which has seen several days above 200 which often leads to sub-par performance in the following days.
Internals of the market remain strong, perhaps too strong. The percent of stocks in the S&P 500 trading above their 50 DMA has soared to 88, right in the middle of the space of 82 to 92 where tops are formed. As an aside, net new highs has been falling and the guge is in a median zone as record highs are printed. A little odd.
Lastly there has been more discussion than usual about valuations whether using P/E ratios (trailing), CAPE or price to sales. I'll conclude by sharing an interesting analysis and discussion of current valuations: http://bit.ly/1xQydEZNov 23, 2014. 10:59 AM | 4 Likes |Link to Comment
Wall Street Breakfast: Abe Delays Sales Tax Hike [View article]Nov 18, 2014. 08:01 AM | 5 Likes |Link to Comment
Wall Street Breakfast: Nikkei Dives As Japan Slips Into Recession [View article]Nov 17, 2014. 07:05 AM | 5 Likes |Link to Comment
Weighing The Week Ahead: Time To Buy Commodities? [View article]Nov 16, 2014. 11:03 AM | 5 Likes |Link to Comment


text: Home > Lifestyle > Teen > News 18 February 2014 The easiest way to prevent teen suicide? Give up your guns When it comes to suicide, guns are the weapons of choice, so make sure you're not an enabler by handing in your gun during Teen Suicide Prevention Week. 11 iStock Related Do more gun laws mean fewer gun deaths? Guns are the most common method of suicide Ask Teen Expert » Join Heart to Heart » Quiz Will the relationship last? » Test Push-ups » Types of drugs teens use Teens keep cyberbullying alive Guns are 85% more lethal than any other means used to commit suicide. Gun Free South Africa urges gun owners to be responsible during Teen Suicide Prevention Week (16-22 February 2014) and hand in their guns to the police for destruction. Gun Free South Africa's spokesperson, Adle Kirsten, "There are different ways to help prevent suicides, but one step is clear; reducing a suicidal person's access to a lethal weapon helps save lives." Just a week ago a double tragedy rocked St Alban's College in Pretoria when a Matric pupil shot and killed himself; after which his mother, apparently unable to deal with her son's death and using the same firearm, shot herself. Read: Worried about your teen committing suicide? Look out for these warning signs If there hadn't been a gun in the family home it's likely that both these deaths could have been prevented. Most teens know the hiding place This is so even if the gun was stored in a safe as required by law; as most teenagers know their parents' hiding places so would know where to find the safe's keys. Guns are lethal. They're quick. And they're irreversible. Once the trigger is pulled, death usually follows within minutes. What do statistics say about guns and suicide? Firearms account for 14% of suicides in South Africa, with youth aged 15-29 years being most at risk for suicide (youth make up 36% of suicide victims, followed by adults aged 30-44 at 33%). There are four male suicides for every female suicide. Latest research in America shows that people living in homes with guns are three times more likely to die from suicide compared to those living in homes without guns. Most suicides occur during a crisis While efforts to prevent suicide usually focus on the why people commit suicide, the how people attempt – the means they use – plays a crucial role in whether they live or die. Read: Are SA Parents guilty of giving their kids loaded guns? Over 70% of suicide attempts occur impulsively, during a crisis. Putting time and distance between a suicidal person and a gun may save a life. "We urge gun owners to proactively prevent teen suicides by handing their guns in to the police for destruction," says Kirsten, noting that in the USA nine out of ten people who survive an attempt do not go on to die by suicide later. Read more: Everything you need to know about guns and suicide Experts say guns really do increase suicide riskTeen suicide: Why do they want to die? SAPA More in Lifestyle Online sexual advances common for kids More: TeenNews advertisement Get a quote Fedhealth - What cover is right for you? Momentum - save up to 35% on healthcare advertisement Read Health24's Comments Policy Comment on this story 11 comments Add your comment Thank you, your comment has been submitted. Logout Comment 0 characters remaining Share on Facebook Logout Comment 0 characters remaining Share on Facebook Loading comments... Other news Medical Villagers eating dog meat has caused Ebola to resurface in LIberia Medical Weight-loss surgery is more successful than lifestyle changes for type 2 diabetics Medical Order in which food is eaten affects blood sugar Medical Vitamin D supplementation may slow HIV progression Medical Longer schooling slows Aids spread in Botswana Parenting High-achieving children have their parents to thank From our sponsors Soothe your family's coughs and colds Why hydration is important while exercising Taking charge of your health Man, take care of your health! Live healthier Up for grabs » Win with NuSeed Win with MySmartkid Win a Canderel hamper Win a LED 3D smart TV Stand a chance of winning a Samsung UA55H8000 Smart 55 inch Curved LED TV valued at R20 000 from Save Hyper! Medical marijuana » 'I used cannabis oil to cure my cancer' Could your doctor could be high? Dagga in medicine? Medicinal dagga: the dangers can't be ignored There is not sufficient evidence to support the potential medicinal benefit from cannabis use cautions an academic from Stellenbosch University.


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5.0 Mustang & Super FordsCar Reviews
Ford Mustang Boss 302 vs. 302S - Street vs. Race
The Boss 302 Gives its race car brother A run at the track—and drives home with the air on
Even better, get on the gas and the Boss transitions to oversteer like a duck slipping into a pond. And then the Torsen distributes its magic between the rear tires, making you look much more of the drift king than you really are. Finally, here's a Mustang that corners tail out with stable grace.
Aside from its gratifying performance, the Boss 302 is absolutely a daily driver. Naturally we fiddled with the three-way adjustable steering program, TracKey and traction control, and just as predictably, once we found the settings we liked we hardly ever changed them. TracKey is a given; why put up with slower throttle response? We figured the regular key might as well go in the spare drawer as TracKey's sharper response was absolutely to our liking (all Mustangs should be as crisp).
The same goes for the steering response. We set ours on Sport and never looked back. For street driving, the traction control stayed firmly on as it allows all the yaw angle and wheelspin you'd ever want and the strong safety net all of us need occasionally.
Creature comforts are good. We just noted the boisterous exhaust; it definitely gives some personality but can also go essentially silent during some transitions, idles with a polite burble and cruises without making a nuisance of itself. Rapping the gas will definitely let the neighborhood know you're coming, however.
Ride quality is even better. The Boss is firmly plush and doesn't jiggle. Slammed through drainage approaches it'll reach the stops, but you really must abuse it to get there. The ride height is also perfect, tall enough to drive straight over the speed bumps we must snake sideways over in our lowered '91 Fox for example. And it doesn't seem to put the splitter at great risk from curbs and parking stops, although you'll want remain vigilant.
We can also note the stock sound system is fine companion for a driver's car such as this, and we didn't miss MyColor or any of the other kids' stuff that might have gone missing in the transition from GT to Boss. We're more than ready for a telescoping steering column so we can fully use the platform's ample legroom, but that has to wait until the next-generation Mustang...
Summed up, there's precious little we'd change on a street-bound Boss.


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Originally written on Pro Sports Daily | Last updated 1/16/13
Former Washington Nationals catcher Jesus Flores has reached an agreement on a minor-league contract that includes an invitation to spring training with the Los Angeles Dodgers. Flores, 28, hit .216 in 83 games with the Nationals last season and threw out nine of 60 base stealers (15 percent). He moved into a starting role in mid-may after Wilson Ramos suffered a knee injury before eventually losing the job to Kurt Suzuki. Once a promising prospect, Flores' career was derailed by injuries that included a torn labrum in a shoulder. He missed part of the 2009 season and all of 2010 before returning in 2011 with limited effectiveness. With the Dodgers, Flores will be competing in spring training with prospect Tim Federowicz for a backup job behind starter A.J. Ellis.
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How to make Win7 handle eight GPUs properly ?
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Join Date: Sep 2004
Posts: 7,809
Re: How to make Win7 handle eight GPUs properly ?
I have a feeling that it is due to a limitation in the new graphics framework provided under Vista/7. In many ways the graphics card in the 2000/XP environment was just another device with another driver. With the new model everything has changed.
You've got a long road ahead of you. You will need to submit a ticket with Microsoft formally, and I have a feeling they're going to tell you to contact Nvidia. I hope I'm wrong, because they will undoubtedly point the finger at Microsoft.
I wonder if anyone is having an issue with running 8 ATI GPUs? It would be nice to isolate if it is a Windows infrastructure bug versus and NVIDIA driver issue. Since the whole machine is slowing, I'd have to believe that it was Windows 7.
When you boot into safe mode, is the entire machine slow? This should bypass the driver and let you know if it is a resource allocation issue.
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