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- Discussions aiming to highlight technology misuse and online bullying are being delivered at a number of schools across north Queensland. ...Monday 27 July 2015
- A James Cook University researcher says a new study should prompt the Federal Government to review how weather data is collected....Friday 17 January 2014
- Thursday 11 April 2013
- Monday 8 April 2013
- The North Queensland Bulk Ports Corporation says it'll now look for a new site to dump the spoil from its planned dredge of Abbot Point near Bowen....Thursday 4 April 2013
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Latest Environmental Technology stories on ABC North Qld
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- Discussions aiming to highlight technology misuse and online bullying are being delivered at a number of schools across north Queensland. ...Monday 27 July 2015
- 13 of Australia's grid was powered by renewables in 2014. But beyond that, how much do you we about renewable energy? We explore the different types of renewable energy - from hydro-electric (45 of Australia's renewable output) to geothermal (0.002 of Australia's renewable output). How much has ...Friday 17 July 2015
- The Federal Government has ordered the Clean Energy Finance Corporation to stop funding wind projects, in its latest swipe at the industry....Monday 13 July 2015
- How's this for an example of clean energy? Two Swiss pilots are attempting to fly around the world using only solar power. On the weekend, pilot Andre Borschberg successfully completed the longest leg, taking almost five days and nights to fly non stop from Japan to Hawaii. He set a new world record, ...Tuesday 7 July 2015
- Pope Francis has finally released his encyclical letter on the "care for our common home" - entitled Laudato Si'. Not since John Paul II's seismic 1995 encyclical Evangelium Vitae has a papal document been so eagerly anticipated, and so widely discussed. We have invited a number of influential ...Friday 19 June 2015


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When you buy a bike from Bicycle Shack you are in safe hands
Our famous 1 year guarantee, 1st free service and annual free safety check all add up to an after sales service you can rely on.
0% Finance Now Available!Tell me more
When you buy a bike from Bicycle Shack you are in safe hands
Our famous 1 year guarantee, 1st free service and annual free safety check all add up to an after sales service you can rely on.
Save up to 59% on premium quality branded 700c inner tubes perfect for the discerning roadie. Available in various valve lengths and offering great savings with our 4 pack and 10 pack deals.
Whether you are buying a bike or an inner tube or anything in between we now offer Free UK Delivery on all orders* Delivering you the same great Bicycle Shack service you know and love for less!
From time to time we have second hand bikes available for sale, these can range from children's bikes to road bikes and everything in between.
All our second hand bikes are safety checked before sale.
Does your employer run a Cycle to Work Scheme? if so you could save a packet on your new bike at Bicycle Shack!
We have supplied bikes and equipment to employees from many public sector organisations and private companies throughout the UK.
Tony McC – Co Londonderry
Exceptional service from Bicycle Shack thanks for sorting my family out with the right bikes to suit our needs, not just whatever was on promotion. More professional, enthusiastic and knowledgable than certain other Internet chains.
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Excellent customer service, sent an email enquiry late on a Friday night about a product, had a response almost straight back answering all my questions fully, I had no hesitation in ordering up straight away, that's real customer service and Bicycle Shack will now be my first stop for bikes and accessories.
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Thank you Andrew @Bicycle_Shack for sorting me out with @bergtoys buddy orange go kart for my sons birthday.
A pleasure to speak & deal with you.(Via Twitter)
If you work for Royal Mail or another eligible Cycle-Plus employer you could save up to 42% on the price of a new bike order up to a total value of £1,000.00. That's a First Class Saving for our hard working posties.
Good Luck to everyone taking part in tomorrow's Big Splash Triathlon in Portglenone. Bicycle Shack will be there again this year providing emergency bike repair for competitors
The shop will be closed on Monday 13th and Tuesday 14th July. Online orders received after 10am on Friday 10th July will be processed when the store re-opens on Wednesday 15th.

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Vauxhall Astra Life, 1.8L, Petrol, 5 Door Hatchback in Black, Automatic. FSH. VVGC! £2100 ONO
Black Vauxhall Astra (Auto) for sale with full service history. In extremely good condition for its age and has been well looked after with only 2 previous owners. MOT expires 01.06.2016 & recently serviced at a local Lymington garage. Major service
- 2007
- 73,000 miles
- Petrol
- 1,796 cc


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Coventry on course for 30,000 crowd at showdown with Crewe... but why the sudden rush to the Ricoh?
Coventry City are set to smash a few attendance records this evening in the Johnstone's Paint Trophy Area final first leg against Crewe Alexandra at the Ricoh Arena.
It has been a testing few years for the Sky Blues...demotion from the Premier League in 2001 followed by relegation from the Championship last year.
But with more than 30,500 supporters expected at the stadium this evening - with 2,000 arriving from Cheshire - at last the club's beleaguered supporters may have something worthwhile to shout about.
Here, Midlands football correspondent Neil Moxley looks at the reasons why so many punters will be turning out tonight.
Filling up: Coventry will be supported by 28,500 fans at the Ricoh Arena
Phew, 28,500 tickets have been sold for this...and it's only the first leg?
Yes, but there's a whiff of success in the air and you cannot accuse Coventry City supporters of being fair-weather supporters, can you?
I didn't realise the club was so well-supported?
Well, Coventry is England's ninth biggest city, so it's little surprise really that they can attract the support if the team is doing well.
Yes, but that's a big 'If', as far as the Sky Blues are concerned, isn't it?
Oh yes. It's reasonable to point out that Coventry supporters have just had one knock after another following the club's demotion from the Premier League in 2001.
Then chairman Bryan Richardson left the club either with a whopping £60million debt or a whopping £22m debt - depending on who you believe - and the Sky Blues have become embroiled in one financial problem after another since then.
On the up: Coventry are on the brink of moving into the play-off spots
Right, but what happened to Highfield Road?
It's a sore point. Richardson had done a deal to move to a state-of-the-art new stadium on a brownfield site on the outskirts of the city. But, in truth, though it was opened seven years ago, it was done without the proper finances to ensure that the club thrived.
How is that then?
Well the matchday revenues were sold off. Coventry still cannot take a penny from a burger, a pint or a pie that they sell to their supporters.
To be honest, it's all a gigantic mess.
Did it contribute to their fall into the Championship?
It had an effect, certainly, but it was by no means the only reason and now the current owners, a hedge fund with the acronym of SISU, are trying to sort out the mess. The only trouble is, they have racked up a £43m debt doing so.
So, why are the fans flocking to the stadium tonight?
Mark Robins and his arrival at the club following Andy Thorn's sacking earlier this season has given everyone a huge lift. From being in the bottom three, Robins has transformed the club's fortunes and now they are in with a realistic shot at promotion.
Main man: Mark Robins (left) has guided Coventry up the League One table
And in this competition too, a Wembley shot?
Yes, some might say Coventry's name might be on it. They won a penalty shoot-out with Burton in an earlier round and defeated Preston last time out 3-2 with two goals in the last few minutes.
How many supporters could the club take to Wembley?
Coventry were last at the national stadium in 1987 when they faced Everton in the Charity Shield. Estimates that day put the following at 40,000-plus.
If they can sell out the Ricoh Arena they should have no problem taking up their allocation.
But, as always with Coventry City, it's a mighty big 'If'!
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G72/G30 in Schizophrenia and Bipolar Disorder: Review and Meta-analysis
ABSTRACT Association of the G72/G30 locus with schizophrenia and bipolar disorder has now been reported in several studies. The G72/G30 locus may be one of several that account for the evidence of linkage that spans a broad region of chromosome 13q. However, the story of G72/G30 is complex. Our meta-analysis of published association studies shows highly significant evidence of association between nucleotide variations in the G72/G30 region and schizophrenia, along with compelling evidence of association with bipolar disorder. But the associated alleles and haplotypes are not identical across studies, and some strongly associated variants are located approximately 50 kb telomeric of G72. Interestingly, G72 and G30 are transcribed in opposite directions; hence, their transcripts could cross-regulate translation. A functional native protein and functional motifs for G72 or G30 remain to be demonstrated. The interaction of G72 with d-amino acid oxidase, itself of interest as a modulator of N-methyl-d-aspartate receptors through regulation of d-serine levels, has been reported in one study and could be a key functional link that deserves further investigation. The association findings in the G72/G30 region, among the most compelling in psychiatry, may expose an important molecular pathway involved in susceptibility to schizophrenia and bipolar disorder.
Full-textDOI: · Available from: Francis J Mcmahon, Jul 31, 2015
- SourceAvailable from: Alessandra Sussulini
- "Nevertheless, lithium has been used for over 35 years for the treatment of BD, being the gold standard and perhaps the most widely used drug. Various theories on the mechanism of lithium action have been proposed, from alterations in ionic transport to modulation of gene expression [6] [7]. However, the precise neurobiological mechanisms through which lithium exerts its clinical effects are not clear, and some results found in the literature are contradictory [2]. "
Article: Apolipoprotein A-I as a candidate serum marker for the response to lithium treatment in bipolar disorder[Show abstract] [Hide abstract]
ABSTRACT: The molecular basis of bipolar disorder (BD) is still unknown as is the mechanism through which lithium, the therapy of choice, exerts its effects in treatment of BD. So far, no biomarkers exist to facilitate diagnosis of BD or treatment evaluation. To investigate whether BD and its treatment with lithium leaves a characteristic signature in the serum proteome, we used SELDI-TOF MS to analyze individual serum samples from BD patients treated with lithium (BD-plus-Li, n=15) or other drugs (BD-minus-Li, n=10) and from healthy controls (n=15). Interestingly, features of 28 kDa (one peak) and 14 kDa (three peaks) showed a decreased level in the BD-minus-Li group and a level restored to that of the control group in the BD-plus-Li group. To reveal the identity of these features, we subjected pooled serum samples from both BD groups to the 2-D DIGE technology and identified 28 kDa apolipoprotein A-I (apo A-I) and three 14 kDa fragments thereof as upregulated in the BD-plus-Li group. Immunoturbidimetry, a routine clinical assay, verified the characteristic apo A-I signature in individual serum samples. In conclusion, we propose apo A-I as a candidate marker that can visualize response to lithium treatment at the serum protein level.Proteomics 01/2011; 11(2):261-9. DOI:10.1002/pmic.201000371 · 3.97 Impact Factor
- "In this perspective, G72 deserved priority as candidate gene, given the evidence provided in literature. After its identification as genetic risk factor in schizophrenia [7], the association with G72 was positively replicated in independent cohorts of patients affected with schizophrenia, bipolar disorder, and other mental illnesses [19]. The statistical evidence of genetic association was supported by the biological function exerted by the DAOA gene, coded in the G72 locus. "
Article: Genetic variation in the G720/G30 gene locus (DAOA) influences the occurrence of psychotic symptoms in patients with Alzheimer's disease[Show abstract] [Hide abstract]
ABSTRACT: The occurrence of neuropsychiatric symptoms in patients with Alzheimer's disease hampers the clinical management and exacerbates the burden for caregivers. To what extent psychotic symptoms are genetically determined and which are the genes involved has to be established. We tested the hypothesis that the occurrence of delusions and hallucinations in AD is associated with variations in the G72/DAOA gene, which is supposed to play a key role in the glutamate pathway regulated through the NMDA receptors. A panel of single nucleotide polymorphisms were genotyped in a cohort of 185 Alzheimer's disease patients. The analysis demonstrated a nominally significant association (p< 0.05) with one single nucleotide polymorphism (rs2153674). In addition, multivariate regression showed that the rs2153674 genotype accounts for up to 15% of the variance in delusions severity, as assessed by using the Neuropsychiatric Inventory. If the results from the present study will be replicated, the glutamate hypothesis could be invoked to explain the occurrence of psychosis in neurodegenerative disorders.Journal of Alzheimer's disease: JAD 01/2009; 18(4):953-60. DOI:10.3233/JAD-2009-1194 · 4.15 Impact Factor
[Show abstract] [Hide abstract]
- "With the hypothesis, therefore, that genetic factors modulate longitudinal brain changes, we investigated the role of a high interest gene, G72, in producing these changes. Variation in G72 has been associated with schizophrenia in multiple samples (Abecasis et al., 2004; Addington et al., 2004; Chen et al., 2004; Detera-Wadleigh and McMahon 2006; Fallin et al., 2005; Korostishevsky et al., 2004; Li and He 2007; Ma et al., 2006; Schulze et al., 2005; Shi et al., 2008; Wang et al., 2004; Wood et al., 2006; Yue et al., 2006; Zou et al., 2005). G72 has been shown to influence, in individuals with schizophrenia, symptom severity (Schulze et al., 2005; Yue et al., 2007) and cognitive processes that depend on frontal lobe function (Donohoe et al., 2007; Goldberg et al., 2006) . "
ABSTRACT: Schizophrenia is a neurodevelopmental psychiatric disorder characterized by a variety of structural brain abnormalities that appear to progress across the course of illness. Schizophrenia also is highly heritable, and one gene that has emerged as a possible susceptibility factor is G72. G72 influences brain development and activity by an as-yet unclear mechanism, and multiple studies have reported associations between G72 and schizophrenia. We were interested in linking these domains of investigation by determining whether G72 also influences the rate of longitudinal structural brain changes in individuals with schizophrenia. As part of the Iowa Longitudinal Study of Recent Onset Psychoses, we genotyped four G72 polymorphisms previously associated with schizophrenia in 110 subjects with schizophrenia or schizoaffective disorder from whom we had obtained two brain MRI scans an average of 3 years apart. The four polymorphisms captured three haplotypes, one of which was strongly associated with an increased rate of frontal lobe volume decrement. This same haplotype was also associated with more severe psychotic symptoms at the time of the second scan. These data thus suggest that variation in G72 modulates the progressive brain changes that characterize schizophrenia.American Journal of Medical Genetics Part B Neuropsychiatric Genetics 01/2009; 153B(2):640-7. DOI:10.1002/ajmg.b.31033 · 3.27 Impact Factor


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Tel: (256)694-9451
JMIA serves students struggling in a traditional classroom.
School Overview
|School Type
|Special Education School
|Religious Affiliation
|Grades Offered
|Grades 6 - 8
|Learning Difference Programs
|Learning Programs Supported
|ADD; ADHD; Autism, Dyslexia; Dyscalculia; Dysgraphia;
|Year Founded
Student Body
|Total Students
|4 students
|Student Body Type
|% Students of Color
State avg.: 22%
|Students by Grade
Academics and Faculty
|Total Classroom Teachers
|1 teachers
|Student : Teacher Ratio
National avg.: 13:1
|% Faculty w/Advanced Degree
|Average Class Size
|9 students
|Classroom Dress Code
(Solid color shirt; Solid color pants)
Finances and Admission
|Admission Deadline
|None / Rolling
|Yearly Tuition Cost
|Tuition Notes
|$75 per week.
|Acceptance Rate
National avg.: 85%
|Admissions Director
School Notes:
PURPOSES: The purposes of the Janice Mitchell Isbell Academy (Isbell Academy) are: (1) Provide educational services for at-risk students. (2) Accelerate the knowledge, skill, and abilities of the students to at and/or above grade-level expectations. The Isbell Academy is a non-profit, tax-exempt, private, institution of learning. Isbell Academy believes in training the whole student - intellectual, social, spiritual, and physical. Isbell Academy admits students of any race, color, nationality, religion, and ethnic origin. Isbell Academy does not discriminate on the basis of race, religion, color, sex, national or ethnic origin, age, or physical disability in the administration of its educational policies, admission policies, scholarship and loan programs, athletic and other school sponsored programs. MISSION: To reach, remediate, and mentor every student enrolled at the Isbell Academy. Each student will be given individualized instruction and will be equipped with the knowledge, skills, and abilities that are paramount to success. VISION: As a principle centered and premier institution of leaning, the Isbell Academy believes that early identification and intervention of at-risk children are critical to thriving in today's society. By creating an environment that's conducive to individualized learning, the Academy envisions that this program will increase the student's confidence and desire to learn, thus having an overall positive effect on student morale and well being. Developing and training student leaders who will confidently meet the challenges of tomorrow are the goals of the Isbell Academy.
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Huntsville315-b Winchester Rd Nw
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Updated July 12, 2015
Many parents tend to dismiss the idea of sending their children to private school without exploring it in depth. We explore this and several more related subjects.
When it comes to choosing a private school, there are so many choices to consider that the project can be a huge challenge to most of us. We offer some help and advice to help you get started.
Sending your child to a foreign language school makes good sense when you have been posted to this country from abroad and in other circumstances as well.


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Civil Engineer I
DOWL is currently searching for an entry to mid level civil engineer to join our team in Redmond, WA. This is a full-time position to provide project management and civil engineering assistance to the Civil Engineering and Transportation Planning & Engineering Departments.
Essential Duties and Responsibilities include the following:
1. Perform engineering calculations in support of civil ...
Jul 17 -
Senior Project Manager
DOWL is currently looking for a Senior Project Manager to join our team in Redmond, WA. This individual will be responsible for overall program management and construction administration of commercial building projects such as Health Centers, Office Towers, and Parking Garages, and/or civil projects such as road improvements and general site development work.
Essential Duties and ...
Structural Engineer - San Diego, CA - (ID:658)
This position is Located in San Diego, CA. Relocation assistance will be considered for qualified, non-local candidates that wish to move to beautiful San Diego.
Job Title: Structural Engineering Associate
Location: San Diego, CA
Industry: Structural Engineering Services
Reports To: Principal, Structural Engineering Division
Company Overview:
The company provides structural and ...
Jul 9 -
Project Controls/Construction Scheduler
~~Project Controls
Jimale Technical Services, LLC. (JTS) is a construction management and project controls company that provides consulting services on public works projects. Based in Seattle Washington, JTS specializes in light rail, roads, mass transit facilities, waste water conveyance, and residential sound improvements for all phases of development.
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Mesh Generation Software Development
Various Locations: Austin, TX; Seattle, WA; Lebanon, NH; State College, PA; Iowa City, IA and also international locations: ~~London, Nuremberg, Rome. There are also offices in India (Bangalore and Pune) , Japan (Yokohama) China (Shangai and Beijin
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Civil Project Engineer
We are a local consulting firm seeking an experienced Civil Project Engineer in our Seattle office. Responsibilities will include civil engineering design using AutoCAD Civil 3D, and performing supporting engineering calculations for site development and road design including; grading, drainage, sanitary sewer, water and other related improvements.
The ideal candidates will have a PE ...
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Sr Mechanical Engineer
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*REQUIRED* In order to apply for an Adult - Partner Association (NFAA/ASA Members and USA Archery Certified Instructors/Coaches Only) you MUST have a current NFAA or ASA Membership and a current USA Archery Instructor/Coach certification. Applications from individuals that are not currently certified will be Cancelled. Please upload a copy of your NFAA or ASA Membership Card in order to process this membership.
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This membership is for youth, Aged 17 and Under who are current members of the National Field Archery Association (NFAA) only.
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The person in question is being charged for the violation of the Quebec law on referenda. Inspired by the British experience in the referendum on the common market in the 1970s, the Quebec law provides for two umbrella committees, whose purpose, in the spirit of democracy, is to make sure that each side plays by the same rules and restricts itself to the same expenditures.
Three days before the referendum on the sovereignty of Quebec and a new partnership with Canada on 30 October 1995, money was spent for a rally without it being channelled through one of the two committees. It is irrelevant whether such an activity was in support of the "yes" side or of the "no" side. It represents a violation of the - British inspired - referendum law.
To describe this offence as flag-waving for Canadian unity is disingenuous, unless, of course, Mr Winsor suggests that people who agree with the cause that he supports can violate the law where others cannot.
Delegue General
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Ucas should share its data on students from poor backgrounds so we can get a clearer picture of social mobility
Mediterranean migrant crisis: Most young migrants 'want to stay in Italy – not come to Britain'
Noel Edmonds says death doesn't exist and 'electrosmog' is more deadly than Ebola or AIDs
Anjem Choudary: Radical cleric charged with 'inviting support for Isis'
Don't rush to judgement: The allegations against Edward Heath are truly sensational, but we must allow the investigations to take their course
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A pair of road wins over the weekend isn't necessarily the cure-all for a Bulls team still searching for an identity in February, but head coach Tom Thibodeau said Tuesday that he hopes the victor
Andrew Lopez
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Dan Arritt
Contributor to CSNChicago.com
Jimmy Butler's career year continued Thursday night.
The Bulls swingman was named an Eastern Conference All-Star reserve, joining Pau Gasol for the Feb. 15 showcase in New York City.
EL SEGUNDO, Calif. – There's an unwritten rule when it comes to the Blackhawks: your ability to play all forward positions, be it center or either wing, is encouraged.


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Click here to print the obituary below
Kelly Bramlett
Kelly Bramlett
Myrtle Beach
Kelly Bramlett, 59, died Monday, April 1, 2013 at Grand Strand Regional Medical Center.
Coach Bramlett was born in Panama City, FL, son of Jeff D. and Ollie Marie Clark Bramlett. He was a graduate of the University of South Carolina. Coach Bramlett was a high school
and coach at North Myrtle Beach High School, also was a football coach and golf coach at Wade Hampton High School in Greenville, SC. He was a recipient of the H.T.C. Distinguished Teacher Scholar Award. Coach Bramlett was a
US Navy
Veteran of the
Vietnam War
. He was preceded in death by a sister, Debra Marie Jones.
Surviving in addition to his parents of Greenville, SC are his wife, Debra Bramlett of Myrtle Beach, SC; a son, Greg Kelly Bramlett of Taylors, SC; a brother, Dale Clark Bramlett and wife Kathy of Greenville, SC; father-in-law and mother-in-law, Larry & Marcia McPhee; a sister-in-law, Laurie Spaulding of Texas; a brother-in-law, Richard McPhee and wife Jill of Rochester, NY; and beloved nieces and nephews.
A Celebration of his Life will be held 2:00 PM Friday at Goldfinch Funeral Home, Conway Chapel with Father John Silver officiating.
The family will receive friends one hour prior to the service at the church.
Memorials may be sent to McLeod Children's Hospital, PO Box 100551, Florence, SC 29501.
Sign a guestbook at
Goldfinch Funeral Home, Conway Chapel is in charge of arrangements.
Funeral Home
Goldfinch Funeral Services, Inc.
606-610 Beaty St.
Conway, SC 29528
Published in The Greenville News on Apr. 3, 2013


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Wauwatosa juggles three development districts to prompt more and bigger projects
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Cyber Risks
Covering Fraudulent Impersonation
Impersonating a supervisor in order to fraudulently convince a subordinate to transfer funds is one of a bevy of emerging cyber risks. Getting cover for a loss stemming from the practice is still a dicey business.
Many cyber policies might not cover such a loss, and underwriters disagree on whether more traditional crime/fidelity coverages do either. But attempts are underway to bridge the gap.
Beazley's new fraudulent instruction endorsement, for example, gives existing commercial crime policyholders up to $250,000 cover against the transfer of funds as a result of instructions from a person purporting to be a vendor, client or authorized employee.
"Fraudulent instruction scams are so sophisticated that basically any business that transfers funds is vulnerable," said Bill Jennings, who heads the Financial Fidelity/Commercial Crime Unit for Beazley in New York.
"Existing cyber and crime policies — which cover theft of data and theft of funds respectively — may not cover losses from these masqueraders, who may use authority or endearment to perpetrate a fraud," he explained.
"Quite frankly, many companies need more than $250,000 of this coverage." — Kevin Guillet, FINPRO Fraud Advisory Practice Leader, Marsh
This increasingly prevalent type of scam relies on an employee failing to notice a very small error in an email address, as well as their natural eagerness to please and be responsive to a superior or a client.
Victims are often tricked that the instruction is either urgent or confidential, and the instruction usually contains personal information gathered from social media or hacking in order to make it seem believable. Once the transferred funds leave the United States, they are rarely recoverable.
While the perpetrators often use cyber hacking to identify and trick their targets, cyber policies are typically focused on the theft of data rather than money.
That's why, according to Bob Parisi, cyber product leader at Marsh, it is crime/fidelity underwriters who are "bridging the gap more aggressively" when it comes to covering fraudulent impersonations.
"The cyber markets tend to take a 'hands-off' position on crime-related losses as they view cyber coverage as more akin to 'virtual' property casualty coverage," he said.
"However, there is some potential overlap between cyber and crime/fidelity, especially in the financial institution space where insureds can enhance their crime/fidelity coverage with damage by hacker or virus endorsements that provide an element of cyber coverage."
Kevin Guillet, Marsh's FINPRO Fraud Advisory Practice Leader, praised Beazley for including impersonation of clients, vendors and employees under its coverage.
"Not every form covers all those constituents," he noted, adding that while he believes certain standard industry forms do already cover against 'employee'-to-employee instruction, this is often disputed by underwriters.
In an attempt to help protect its clients, Marsh has developed proprietary language introducing 'computer and telephonic misuse coverage' — which includes coverage for fraudulent impersonation — into its crime policy standard wordings in London and Europe, and continues to push for acceptance of this wording by U.S. underwriters.
"While subject to underwriting and additional premium charge, another attractive feature of Beazley's endorsement is that can provide coverage up to $250,000 without requiring 'out-of-band authentification' [challenging the instruction through a means other than that by which the instruction was received, such as email verification of a phone instruction]," Guillet added.
"When underwriters build in a warranty whereby there is no coverage unless all procedures are correctly followed, we question the value of that coverage because these scams typically succeed by convincing people to ignore established protocols."
According to an Internet Crime Complaint Center (IC3) June 2014 "Scam Report," the average amount lost in frauds of this nature is $55,000. However, IC3 claimed there has been one report of $800,000 lost, and experts said they have seen losses run into the tens of millions. The total cost to corporate America is unknown.
"Quite frankly, many companies need more than $250,000 of this coverage," said Guillet. However, he conceded, "there is real exposure here, so you can understand why Beazley and other underwriters are approaching cautiously," noting that while there are some underwriters who offer higher limits, some don't want to cover fraudulent impersonation risk at all.
Beazley's Jennings recommended that, in addition to buying insurance, companies implement staff training as well as "strong internal controls requiring call-back verification and periodic white-hat testing to confirm that controls are being followed."
Technology Risks
Cyberrisk: 'Healthy Dose of Paranoia' Needed
The workers' comp system has been generally spared from data hackers. But with the multitude of people and companies transmitting and sharing files daily, it is incumbent upon companies to take protective actions, advises a managed care services provider.
Data breaches at some of the country's largest health plans as well as among retailers has prompted Genex Services, LLC to offer suggestions to protect the industry. In addition to recommended steps to take, a new white paper also includes basic regulatory issues and terminology to help industry stakeholders better understand data concerns and the need to collaborate with partners and vendors.
"Our industry certainly could be, and perhaps already is, at risk," notes the paper. "Lack of strong data security could expose an organization to millions of dollars in litigation, damage control and repair costs."
The document, Enemy at the Gate: Data Security Risks in Workers' Comp, outlines the potential risks and offers advice.
"A healthy dose of paranoia is a necessity for today," the paper states. "It is clearly in the best interest of our industry, and of workers, to err on the side of caution."
The Risks
"The ability to show strong data security controls is critical for employers and carriers," the paper advises. "Companies want assurance that their data will be stored and backed up securely and in a physically safe location, that there are controls for who can access data, who can share information and the manner in which data is shared, e.g. secure email server."
A number of "key domain risks" face the industry such as unauthorized access to personal health information. Such information "could be used for identity theft or even blackmail," the paper says. "Unfortunately, there are many ways for such data to be accessed. Data is always in motion in comp claims as there are various vendors, case managers, bill review specialists, and independent medical examiners, all transmitting and sharing files and forms every day."
"A healthy dose of paranoia is a necessity for today. It is clearly in the best interest of our industry, and of workers, to err on the side of caution."
Carefully vetting vendors and properly managing passwords are among the methods to ensure security controls are effective. Passwords, the paper advises, should be "easy to remember, but not overly simplistic and be changed more than twice a year to reduce potential risks." Password parameters should be developed for "all applications and networks."
Sending claim information over the Internet is risky. The emphasis on mobile workplaces "exacerbates risk from the Internet."
The authors advise companies to remind employees to "remain vigilant" when adjusters, providers, and injured workers are sending emails that include addresses, dates of birth, and Social Security numbers through non-secure servers. "These senders need to be informed and educated of the dangers associated with nonsecure platforms," the document states.
Securing Data
Administrative, technical, and physical controls should be implemented. Administrative controls, for example, include conducting background checks and using confidentiality agreements, as well as security awareness training. Anti-virus, network segmentation and web and email filtering are among the technical controls that should be put into place.
Physical controls relate to limiting access to buildings and data access. Key fobs or card entry building access systems are recommended. A "security triangle" should be created to ensure all controls are highly secured and monitored.
Steps to Take
Organizations can take a variety of measures to ensure the security of sensitive data. Continually reviewing and improving technical controls and providing clear guidance and instruction to employees transmitting data are among them. Antivirus programs should be installed on all systems and virus definitions should be updated frequently, such as every three hours.
The paper offers a variety of additional tips, including:
Encrypt data on the C drive, data-in transit, and databases on servers to protect data, in case a laptop is lost or stolen.
Implement a system to determine which department or individual can access data and limit the number of people with full access to everything.
Guard against email phishing to avoid scams. "Be aware of anything involving shipping or delivery of product, and warn employees to be especially wary of unsolicited emails purporting to be from government agencies and popular internet commerce sites, such as the IRS or PayPal, especially during tax season, and high volume online shopping periods," the document recommends.
Instruct vendors to tell their own employees of the importance of security to ensure all links in the data security chain are strong.
Insufficient Standards
The paper is the latest to address concerns of potential data breaches in workers' comp. Cyber security is among the targets for Sedgwick this year.
In a recent blog post, Sedgwick's senior vice president and information security officer Robert Jackson suggested the health care industry has set the bar on data security too low. "You may think you have taken the steps needed to protect your company's data," Jackson wrote. "How does your data security currently stack up?"
Jackson poses a series of questions on tools to protect data and points out that many "standards" are insufficient. For example, antivirus software is not the best protection against malware, he says. "Traditional antivirus software can only protect against things it has previously seen; new malware is specifically designed to constantly change itself to bypass traditional antivirus software." He points to application whitelisting software as the best replacement for antivirus software on workstations and servers.
Penetration testing is not the best way to double-check Internet facing software so it cannot be hacked. Instead, he says tools such as binary code testers analyze logic and software vulnerabilities for all programming in an organization's code, not just the code operating when regular testing occurs.
Sponsored: Lexington Insurance
Pathogens, Allergens and Globalization – Oh My!
In 2014, a particular brand of cumin was used by dozens of food manufacturers to produce everything from spice mixes, hummus and bread crumbs to seasoned beef, poultry and pork products.
Yet, unbeknownst to these manufacturers, a potentially deadly contaminant was lurking…
What followed was the largest allergy-related recall since the U.S. Food Allergen Labeling and Consumer Protection Act became law in 2006. Retailers pulled 600,000 pounds of meat off the market, as well as hundreds of other products. As of May 2015, reports of peanut contaminated cumin were still being posted by FDA.
Food manufacturing executives have long known that a product contamination event is a looming risk to their business. While pathogens remain a threat, the dramatic increase in food allergen recalls coupled with distant, global supply chains creates an even more unpredictable and perilous exposure.
Recently peanut, an allergen in cumin, has joined the increasing list of unlikely contaminants, taking its place among a growing list that includes melamine, mineral oil, Sudan red and others.
"I have seen bacterial contaminations that are more damaging to a company's finances than if a fire burnt down the entire plant."
— Nicky Alexandru, global head of Crisis Management at AIG
"An event such as the cumin contamination has a domino effect in the supply chain," said Nicky Alexandru, global head of Crisis Management at AIG, which was the first company to provide contaminated product coverage almost 30 years ago. "With an ingredient like the cumin being used in hundreds of products, the third party damages add up quickly and may bankrupt the supplier. This leaves manufacturers with no ability to recoup their losses."
"The result is that a single contaminated ingredient may cause damage on a global scale," added Robert Nevin, vice president at Lexington Insurance Company, an AIG company.
Quality and food safety professionals are able to drive product safety in their own manufacturing operations utilizing processes like kill steps and foreign material detection. But such measures are ineffective against an unexpected contaminant. "Food and beverage manufacturers are constantly challenged to anticipate and foresee unlikely sources of potential contamination leading to product recall," said Alexandru. "They understandably have more control over their own manufacturing environment but can't always predict a distant supply chain failure."
And while companies of various sizes are impacted by a contamination, small to medium size manufacturers are at particular risk. With less of a capital cushion, many of these companies could be forced out of business.
Historically, manufacturing executives were hindered in their risk mitigation efforts by a perceived inability to quantify the exposure. After all, one can't manage what one can't measure. But AIG has developed a new approach to calculate the monetary exposure for the individual analysis of the three major elements of a product contamination event: product recall and replacement, restoring a safe manufacturing environment and loss of market. With this more precise cost calculation in hand, risk managers and brokers can pursue more successful risk mitigation and management strategies.
Product Recall and Replacement
Whether the contamination is a microorganism or an allergen, the immediate steps are always the same. The affected products are identified, recalled and destroyed. New product has to be manufactured and shipped to fill the void created by the recall.
The recall and replacement element can be estimated using company data or models, such as NOVI. Most companies can estimate the maximum amount of product available in the stream of commerce at any point in time. NOVI, a free online tool provided by AIG, estimates the recall exposures associated with a contamination event.
Restore a Safe Manufacturing Environment
Once the recall is underway, concurrent resources are focused on removing the contamination from the manufacturing process, and restarting production.
"Unfortunately, this phase often results in shell-shocked managers," said Nevin. "Most contingency planning focuses on the costs associated with the recall but fail to adequately plan for cleanup and downtime."
"The losses associated with this phase can be similar to a fire or other property loss that causes the operation to shut down. The consequential financial loss is the same whether the plant is shut down due to a fire or a pathogen contamination." added Alexandru. "And then you have to factor in the clean-up costs."
Locating the source of pathogen contamination can make disinfecting a plant after a contamination event more difficult. A single microorganism living in a pipe or in a crevice can create an ongoing contamination.
"I have seen microbial contaminations that are more damaging to a company's finances than if a fire burnt down the entire plant," observed Alexandru.
Handling an allergen contamination can be more straightforward because it may be restricted to a single batch. That is, unless there is ingredient used across multiple batches and products that contains an unknown allergen, like peanut residual in cumin.
Supply chain investigation and testing associated with identifying a cross-contaminated ingredient is complicated, costly and time consuming. Again, the supplier can be rendered bankrupt leaving them unable to provide financial reimbursement to client manufacturers.
"Until companies recognize the true magnitude of the financial risk and account for each of three components of a contamination, they can't effectively protect their balance sheet. Businesses can end up buying too little or no coverage at all, and before they know it, their business is gone."
— Robert Nevin, vice president at Lexington Insurance, an AIG company
Loss of Market
While the manufacturer is focused on recall and cleanup, the world of commerce continues without them. Customers shift to new suppliers or brands, often resulting in permanent damage to the manufacturer's market share.
For manufacturers providing private label products to large retailers or grocers, the loss of a single client can be catastrophic.
"Often the customer will deem continuing the relationship as too risky and will switch to another supplier, or redistribute the business to existing suppliers" said Alexandru. "The manufacturer simply cannot find a replacement client; after all, there are a limited number of national retailers."
On the consumer front, buyers may decide to switch brands based on the negative publicity or simply shift allegiance to another product. Given the competitiveness of the food business, it's very difficult and costly to get consumers to come back.
"It's a sad fact that by the time a manufacturer completes a recall, cleans up the plant and gets the product back on the shelf, some people may be hesitant to buy it." said Nevin.
A complicating factor not always planned for by small and mid-sized companies, is publicity.
The recent incident surrounding a serious ice cream contamination forced both regulatory agencies and the manufacturer to be aggressive in remedial actions. The details of this incident and other contamination events were swiftly and highly publicized. This can be as damaging as the contamination itself and may exacerbate any or all of the three elements discussed above.
Estimating the Financial Risk May Save Your Company
"In our experience, most companies retain product contamination losses within their own balance sheet." Nevin said. "But in reality, they rarely do a thorough evaluation of the financial risk and sometimes the company simply cannot absorb the financial consequences of a contamination. Potential for loss is much greater when factoring in all three components of a contamination event."
This brief video provides a concise overview of the three elements of the product contamination event and the NOVI tool and benefits:
"Until companies recognize the true magnitude of the financial risk and account for each of three components of a contamination, they can't effectively protect their balance sheet," he said. "Businesses can end up buying too little or no coverage at all, and before they know it, their business is gone."
This article was produced by the R&I Brand Studio, a unit of the advertising department of Risk & Insurance, in collaboration with Lexington Insurance. The editorial staff of Risk & Insurance had no role in its preparation.


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Real news. Real funny.
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The key to any successful prom is wearing an outfit so ridiculous and off-putting that your date's father isn't worried about any frisk(ies)y business. Good play, sir!
Okay, so I understand the cat/panther/feline on the back of his head, but what's the design on his cheek supposed to be? Flames? Puffy Batman-smoke? A swan fighting a pterodactyl?


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I'm all for preserving history. I went to library school with the goal of working as an archivist so I could spend my days with dusty volumes in the back of some museum or historical society. And also, so that I'd rarely, if ever, have to work with people. I'd sit in a room all day, making sure the preservation methods used weren't in any way degrading the collection, while simultaneously working tirelessly to ensure as much of the collection was accessible from the internet as possible. I had lofty goals.
Now, while I don't work in archives, or even in a library, I still love history and preserving it. However, I generally tend to differ on what deserves preservation than the rest of the world. And that's why I have a bit of a bone to pick with Fort Reno. In case you hadn't heard, it's now the headquarters of the U.S. Cavalry Association. According to KFOR.com:
Last week, The Oklahoma Gazette announced the finalists for the 2015 "Best of OKC."
Even though we didn't advertise, pander for votes, or stuff ballots like most finalists, we still managed to get nominated in a couple of categories.
Once again, we're up for Best Website. I think we've won this a couple of years in a row:
Crap, we're up against a Mommy Blog. Even though it probably gets a couple of hundred views a month, that's no good. Mommy Bloggers are the lemmings of the blog world. When they're not applying PhotoShop filters, sharing recipes or clipping coupons, they basically just take turns voting for each other in contests. We're screwed. I doubt we win this one.
In addition to Best Website, we're once again up for "Best Person To Follow On Social Media." Even though TLO is a website and not a person, we get nominated for this every year and lose to a Thunder player ever year. 2015 will probably be no different, except look who we're up against:
Yes!!! Awesome!!! Diabolical Facebook weatherman Aaron Tuttle was also recognized for Best Person to Follow on Social Media! I'd encourage you to go vote for him. The bigger Aaron Tuttle's ego, the better.
As you all know, I don't have a problem writing about or acknowledging Aaron Tuttle's existence. Whether he's cocktail tanning or igniting fear and panic on Facebook, he always provides great material for us. I wonder what Aaron had to say about us being on the same ballot:
Nice try, Tulsa. It looks like Oklahoma is only home to one big league city.
Earlier this week, Tulsa Shock owner Bill Cameron, the President of American Fidelity / First Fidelity and one of the people who witnessed Mary Fallin's Playboy Mansion engagement, announced he wants to watch his franchise struggle to make money in Dallas.
Via The Tulsa World:
Tulsa Shock majority owner Bill Cameron solidified more than a week's worth of rumors Monday, announcing in a press release his plans to relocate the team to the Dallas-Fort Worth area.
Shock minority owner Stuart Price fired back Monday evening, holding a press conference to announce that he had filed a lawsuit against Cameron. Price accused Cameron of using Tulsa to "incubate" the franchise before moving it to Dallas, saying the city had been "wronged in a lot of respects."
Outside of the blooper reels, I can't stand the WNBA. It's almost as unwatchable as men's college basketball. That being said, I really do feel sorry for the Tulsa Shock fans (all 34 of them). Until this season, the Shock had .241% winning percentage – one of the worst five-year marks in all of professional sports. And now that they're finally good and winning some games, their greedy asshole owner announces he's moving them to Dallas like they're a recent Oklahoma college graduate. That's just cruel.
On that note, why exactly is Bill Cameron moving the team?
The nice woman pictured above is State Senator Anastasia Pittman. She's the Chair of the Oklahoma Legislative Black Caucus, and made news earlier this year when she stood by OU SAE fratboy Levi Pettit as he tried his best not to pee his pants on live television while apologizing for being a racist.
Here in a few weeks, Senator Pittman is having a "Grown Folks All White Party Fundraiser" for her campaign. The cost is $30 to attend, and is totally worth it if they hand out limited-edition screen prints of the following event poster:
It's a sad day for people who like awful, unoriginal, over-commercialized songs about blue jeans, pickup trucks and old dirt roads.
It's being reported that Oklahoma's Blake Shelton and Miranda Lambert, who apparently are "The First Couple Of Country Music," are divorcing after four years of a marriage. It's probably for the best. Blake will no longer have to worry about his adulterous lifestyle being printed in the tabloids, and Miranda will have plenty of material for her next album.
Via a likely distraught KFOR Social Media Bandit:
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Wild food connoisseurs and chefs the length of the country are participating in the Monteith's Wild Food Challenge, back for its 16th year.
Five Nelson region restaurants are among the 143 from across New Zealand seeking the $15,000 prize.
Each adventurous dish has been on the participant's menu throughout this month.
Head judge Kerry Tyack and his team of food-loving professionals are on the hunt to find the most captivating wild fare.
"I've been doing this for 16 years, but am still being introduced to new combinations of wild ingredients and beer and food matches that surprise and impress. Each year, it is more and more exciting to see how chefs push the culinary boundaries, challenging everything we think we know about combining beer and food," says Kerry.
It's not just the professional judges who pick the cream of the crop; diners also have the chance to get involved by visiting a participating challenge outlet and casting their vote for the People's Choice award.
The five Nelson entrants are:
Toad Hall - their dish is called Shanks my Deer Fallow. It features braised wild fallow venison shanks with a creamy parsnip puree. Accompanied with sauteed carrot, kumara and bacon lardons, and finished with a rich cherry jus.
Hangar58 - their dish is called The Flying Pig. It features wild pork belly, slow cooked with vanilla and cinnamon, served on crispy duck fat potatoes, baby cress, walnut, freeze dried blueberry salad, and blueberry dust.
The Riwaka Hotel - their dish is called Oma Rapeti. It features a rabbit dish consisting of kumara gnocchi stuffed with rabbit belly bacon and pumpkin on a parsnip and apple puree. Accompanied by crumbed foreleg of rabbit and rabbit stew with puff pastry. A side of pan-fried loin on sauteed cabbage with a cider and fennel sauce.
The Apple Shed Cafe - their dish is called Wildly Fresh Fish on Apple Cider and Ginger Risotto with Preserved Lemon and Wild Rocket Salsa and a Mini Herb Salad.
Hopgood's Restaurant - their dish is called Bunny Lays an Egg and Makes Some Bacon. It features wild rabbit loin wrapped in bacon with a braised rabbit pie, scotched game egg, carrots, malt and barley.
- Nelson
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4 bedroom detached house for sale Station Road, LauntonA new build development from Vanderbilt Homes, where attractive traditional stone barn conversions sit seamlessly amongst contemporary new build homes. Plot 24, The Penn - A four bedroom detached house with single garage £460,000, now offered with Stamp Duty paid for a limited period. More details ›
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4 bedroom detached house for sale The Hollybrook, Plot 3, Woodlands, LauntonAn exceptionally well proportioned home set over 2 floors comprising spacious living accommodation with views over open fields. More details ›
£400,000 Offers in Excess of
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4 bedroom detached house for sale Launton, BicesterRefurbished to a high standard internally. Well proportioned home offering spacious accommodation on the ground floor that is ideal for entertaining More details ›
£400,000 Guide Price
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Stephen Earl Elmore, 38, of Gallatin, Tenn., died Friday, Aug. 1, 2008. The funeral is 2 p.m. Tuesday at White Mills Baptist Church with burial in White Mills Cemetery. Visitation begins at 11 a.m. Tuesday at Brown Funeral Home in Elizabethtown. Joseph Donald Masterson, 62, died Saturday, Aug. 2, 2008. The funeral is 11 a.m. today at St. Vincent DePaul Catholic Church in New Hope with burial to follow in the church cemetery. Visitation continues at 8 a.m. today at Joseph L. Greenwell Funeral Home in New Haven. John Miniard, 83, of Rineyville, died Saturday, Aug. 2, 2008. The funeral is 2 p.m. today at Falling Springs Baptist Church with burial in Elizabethtown Memorial Gardens. Visitation continues at 9 a.m. today at Brown Funeral Home in Elizabethtown. Edward Thomas Rogers Jr., 91, of Elizabethtown, died Thursday, July 31, 2008. A memorial service is at 1 p.m. today at First Presbyterian Church in Elizabethtown. Burial will be in Hardin Memorial Park at a later date. Visitation continues at 12:30 p.m. today at the church. Brown Funeral Home in Elizabethtown is in charge of arrangements. Nelson Lee Rogers, 73, died Thursday, July 31, 2008. The funeral is 2 p.m. Tuesday at Dove-Sharp and Rudicel Funeral Home in North Vernon, Ind., with burial to follow at Grandview Memorial Cemetery in Madison, Ind. A military graveside service also will be conducted. Visitation is from 4 to 8 p.m. today and continues at 1 p.m. Tuesday at the funeral home.
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Utah Jazz: Gordon Hayward gets 'weird' matchup vs. college coach Brad Stevens in Boston
Michael Conroy, AP
NEW YORK — It was bizarre for Gordon Hayward to learn that his beloved Butler coach had been hired by the Boston Celtics.
Hayward is about to enter the Twilight Zone, aka the Boston Garden, four months later.
For the first time in his life, Hayward will play against a Brad Stevens-coached team Wednesday when the Utah Jazz visit the Celtics.
Stevens was a coach and mentor for Hayward during his two-year college career at the Indianapolis-based university. The Bulldogs rose to fame in 2010 when that pair helped guide the team to the NCAA championship game.
The former Butler bench boss was hired this offseason to replace Doc Rivers, who moved on to the Los Angeles Clippers.
"It will be weird seeing him in green, but it should be fun," Hayward said Tuesday before the Jazz's road-trip-opening loss at the Barclays Center to the Nets. "I'm looking forward to that game — hopefully, looking forward to beating my old coach."
Hayward, who left after his sophomore season and was drafted ninth overall by the Jazz, smiled when pointing out that Stevens' new organization hired two other Butler products — his teammate/buddy Ronald Nored, who's been assigned to coach the D-League's Maine Red Claws, and Drew Cannon, a 23-year-old assistant on the Bulldogs' staff.
"There's a lot of people that it will be fun to beat," Hayward said. "And then I can trash talk afterwards."
Then again, it's unlikely either side will do much yakking. Both the Jazz and Celtics enter this contest wtih 0-4 records.
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National News
Yield hungry investors continued to drive the performance of the New Zealand sharemarket in afternoon trade, putting the bourse on track to close at its highest level since December 2007.
The NZX 50 Index rose 4.22 points, or 0.11 per cent, to 4,012.56, slightly lower than the midday mark, but well still supported by shareholders who'd bought 18 million shares so far on the day, worth $56 million.
That more than recoups all the ground lost since before the global financial crisis, putting the bourse just 8 percent below its all time peak of 4342 points, which it hit in July 2007.
Traders said the NZX50 continued to attract offshore investors who were looking to maximise yield on their capital.
That's because long-term low interest rates in much of the developed world has made investment earnings from bonds and cash deposits relatively unappealing.
New Zealand's equity market, often characterised as "sleepy" by many equity investors who chase returns in bigger markets, has surprised almost everyone in the September quarter by outperforming every other developed market bourse.
Since June 1, the top 50 companies on the NZX have returned 15 per cent, whereas Australia's S&P/ASX 200 Index returned just 8 per cent over the same period.
Bryon Burke, head dealer at Craigs Investment Partners, said valuations - or the premium investors are willing to pay to own a stock - are starting to look at little stretched at this level, but it remained "one of this good problems to have, one that doesn't come along often in equity markets".
On the day PGG Wrightson, the rural services provider, led gainers with a positive gain of 6 per cent to 35c amid bets the firm's back-to-basics strategy will deliver improved earnings in the medium term.
OceanaGold, the operator of the Macraes and Reefton goldfields, fell 2.3 per cent to $4.25 as less fearful investor sold down their positions in defensive stocks.
- BusinessDay.co.nz
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