text:
What rides on the rider
John Schwenkler February 13, 2012 - 11:40am
In their statement on the revised version of the HHS regulations, the U.S. bishops write that under the new terms, the mandate "would allow non-profit, religious employers to declare that they do not offer such coverage [of sterilization and contraception]. But the employee and insurer may separately agree to add that coverage. The employee would not have to pay any additional amount to obtain this coverage, and the coverage would be provided as a part of the employer's policy, not as a separate rider."This redfaced point, which as far as I know has not been contested in any of the descriptions of the regulations that are out there, seems to me to matter quite a bit. For in order for there to be a meaningful sense in which the HHS mandate doesn't require employers to provide insurance coverage for sterilization and the purchase of contraceptives, there needs to be a meaningful sense in which the insurance policy provided by the employer is different from the one that covers these things. Otherwise, we end up with a situation where, while an employer-sponsored policy may not cover sterilization and contraception at the moment that it is issued by the employer, once the employee requests the insurer to add such coverage that same (employer-sponsored) policy now does cover these things, and such coverage is integrated seamlessly with the rest of what the policy covers. It may be true that the default employer-sponsored policy does not pay for anything that the employer finds morally objectionable, but if the modified policy is also an employer-sponsored one, and coverage for sterilization and contraception is a part of it, then the employer has sponsored a policy that covers sterilization and contraception. And surely it will not matter that the employer did not have to tell the employee that there was an employer-sponsored plan available that covered these things, or that the insurer happens to be making it available to the employer at a reduced rate.By contrast, if coverage for these things is on the books as an additional rider that the employee is offered the opportunity to add for free, then -- so long as it really is free for the employer -- the force of this worry diminishes significantly. For then it strikes me the most accurate way to describe the situation would be as one where it must be in the terms of the employer-sponsored policy that it includes an option to add some separate policy that would bring with it some additional coverage, albeit of a sort the employer would rather not provide. I do not expect that everyone who is worried about the mandate's effects on religious liberty would be persuaded by this, but I think I might (though I would still oppose the mandate on other grounds). In any case it would go some way to addressing the concern about the "seamlessness" of employer-sponsored coverage as described in the paragraph above.I will now be shouted at in the comboxes. Please be charitable, as I am not in anyone's pocket here, and I have been thinking a lot about these questions and working hard to set my thoughts straight.
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But Grant, it all hinges on the form that the contraceptive coverage takes. If it is simply folded into a single policy (i.e., the one sponsored by the employer), then it doesn't seem to me that it would be separate in any meaningful sense, and so it wouldn't assuage these concerns. But if its relation to the original policy is similar to that of a rider (and why not just call it a rider? Surely things that are usually paid for can sometimes be offered for free), then the claim that it is separate -- which, by the way, is nowhere in the lines you just quoted -- has some oomph. Was it really made clear to you by people in the Obama administration that the coverage for contraception will be separate from the rest of the plan in the (not merely notional) sense I am after here?Also, Jim Pauwels is exactly right.
If the bishops' description is correct, then this might be worth considering: employee group health policies aren't perpetual. There is typically an "open enrollment period" every year in which each employee re-ups (and learns how much more she'll have to pay than last year). Suppose, in Year 1, a new employee enrolls in his Catholic employer's health plan. Contraception is not included. During the same policy year, the insurer and the employee agree, per the proposed mandate, to 'add on' no-charge contraception (and the critical issue here is, what are the mechanics of adding on). Thus the employee now has the standard employer group plan, plus the no-charge contraception addition.Now, the end of Year 1 is approaching. It's open enrollment time. The employee wants to re-enroll for another year. Does the employer's group policy now include the contraception benefit, which is renewed when the employee renews the standard policy? Or does the employee and the insurance company have to separately re-enroll in the contraceptive policy? Is it the employer's job to track down the employee who forgets to re-enroll in the contraceptive policy? If the employer manages to forget to re-enroll in the contraceptive benefit during open enrollment, is he out of luck for the next year?
Grant, will the new policy be required to be offered to employees of exempt organizations as well or just non-exempt but objecting ones? Don't you think an expanded exemption coupled with this separate policy offered directly to employees would satisfy everyone better that the proposed revision? It will satisfy the pro-contraception parties that objected to the inclusion of any religious exemption, since the employees will still get access regardless of their employer. It will also satisfy those that don't like the limited exemption which treats relgiously affiliated schools and hospitals as "not really relgious." If the exemption includes Taco Bell's owned by those that object to contraception and actually provide health insurance to the limited number of employees they have, even Picarello should be satisfied. The only ones that wouldn't be satisfied are the insurance companies, which will have to offer a separate contraception coverage policy for free, but they should be fine since it is supposedly cost-neutral at worst. Why not try for a win-win solution like this? Any objection from commonweal?
"If the employer manages to forget to re-enroll in the contraceptive benefit during open enrollment, is he out of luck for the next year?"Sorry, should be, "if the *employee* managed to forget to re-enroll ..."
David N, EEOC has not stepped up enforcement of that policy. Belmont Abbey College lost an administrative case, but EEOC failed to file an enforcement action when Belmont hired Becket to defend them under RFRA. I have not heard of any other cases where EEOC has actually filed a action to enforce this decision, which was limited to prescription contraceptions and did not include sterilizations.
here is a link to the Becket Fund's description of the EEOC case: http://www.becketfund.org/belmont-abbey-college-north-carolina-2009/I have not found anything on the EEOC website.
John: You're free to call it whatever you want, but a rider is defined as an additional benefit to a policy that the beneficiary pays for.If the contraception coverage is folded into the policy paid for by the employee (with co-payments from employees, it should be noted), then you're right, we're back to square one. But that is precisely why I believe the senior administration officials who briefed reporters on the revised plan. I have reported what I could, according to the terms of the interview. Senior administration officials confirmed that the contraception coverage would be offered as a separate policy. Another questions: does it make sense to announce that insurers will contact employees to ask them whether they want contraception coverage (and let's not forget that it's optional) if the idea isn't to offer a separate policy? This too was a modification of Hawaii's arrangement. In Hawaii, employers that invoke the religious exemption must directly inform employees where they can obtain contraception coverage -- that is, as a separate policy from the insurer that handles employee health plan.
John Schwenkler, you're asking a question which assumes that there is a plan in which all the details have already been put into precise language.The document published in the Federal Register is only an outline of the major points of the plan. As the document says, the details will be worked out over the next year, before religious hospitals, universities, charities have to take any action. If you read the outline, there is nothing there to justify the bishop's claim that "the coverage would be provided as a part of the employers policy, not as a separate rider.The bishops may claim that that is the only possible way it could work, but that is not true at all. I don't personally like the term rider (used in Hawaii) because it suggests that it is an add-on to the employer's policy. I would prefer a separate policy. However, it's possible that it is not either and you just register online with the insurance company to join the "free contraception program" which is described on their website. I think the essential point is that the insurance contract the employer buys says that it excludes any coverage for contraception, just as it does now. I don't see any reason why that is not possible.
MikeD: I've written this up before. The revision only applies to religious employers that do not primarily employ and serve co-religionists and whose purpose is primarily to inculcate their religious values. That means that people who work in houses of worship, parish schools, chanceries will not be eligible to receive free contraception coverage as a separate plan. I don't see the administration allowing any employer who objects to contraception to opt out. It's nonprofit religious institutions at issue here.
John, I don't think you can have a policy that both covers and doesn't cover contraception. It either does or it doesn't. If insurance companies offer policies to Catholic organizations that do not cover contraception and then make some other arrangements with individuals, it would seem that the bishops are being accommodated. If you are imagining that the policy offered to the individual would somehow be the same policy the bishops paid for, I can't imagine how that would happen. A policy is a quite specific contract. The same policy could both cover and not cover contraception. By definition it would have to be different.
Matt, Arguing that the insurance policy belongs to the employee is a non-starter. The policy belongs to the employer and is purchased by the employer, the employees are the beneficiaries. ed gleason at 12:19 describes the situation perfectly and inadvertantly makes my case. He has no say over the changes in the policy and doesn't even have to agree with the changes, they just happen. Someone does though, and that is the owner of the policy which is the employer.
OOPS "The same policy could NOT both cover and not cover contraception. By definition it would have to be different.
Insurance without contraception coverage is one policy. The contraception coverage offered directly to employees is another policy. If contraception was just included in the policy if, in other words, it was all one policy why would the regulations phrase it this way? Separate coverage means separate policies.Again, as Harvard's Greg Mankiw has said without rebuttal, all that the administration has suggested it might do in the future is change from A to B below: A. An employer is required to provide its employees health insurance that covers birth control.B. An employer is required to provide its employees health insurance. The health insurance company is required to cover birth control.Whether you say the birth control offering is "separate" or is a "rider" or whatever is just semantics. In both cases, the employer is paying for something, and that something ultimately has to be accompanied by subsidized contraceptives. You can object to both, you can be happy with both, but it makes no sense to object to A but be satisfied with B.
Grant, I understand the proposal, but why not follow Hawaii more closly by expanding the exemption and offering the separate policy to all employees of exempt employers, even those that do primarily employ co-religionists and inculcate religious values. That would actually expand the amount of people who will be able to receive contraception. Based on the 98% figure that has been floating around the comments, I'm sure there are some parish secretaries or teachers that would like that coverage.
The facts are that many many many Catholic colleges and hospitals NOW have BC coverage. This ins. coverage is in their faculty/employee/union contracts. If they call one of the amateur canonist's posting here and asked 'do we have to terminate BC coverage right now or wait till the contracts expire'. What say you? Will the USCCB send them that Taco Bell attorney they have, to defend the inevitable law suits?
Grant, will the new policy be required to be offered to employees of exempt organizations as well or just non-exempt but objecting ones? Dont you think an expanded exemption coupled with this separate policy offered directly to employees would satisfy everyone better that the proposed revision?Do you think Archbishop Chaput wants his insurance company to offer free contraception to his chancery employees?My guess was that HHS kept the two groups separate to avoid disturbing the status quo for groups like churches, etc that satisfied the original definition.If the Church wanted to have the same plan with free contraception for both groups, my guess is that HHS would consider it. But I can imagine the uproar from the bishops if HHS did that on its own.
We seem to have a split on this now between conservative Catholics and progressive Catholics. Too bad.John Schwenkler 02/13/2012 - 11:54 am contributorYes, it is too bad. But that is why it is so important to clarify the underlying issues, which is what I am trying to do here. Whether or not I am a conservative (and I remain unsure what that even means), my worries are Catholic and philosophical, and certainly not partisan.
Yes, I agree that it's very important to clarify the issues. Terribly so. And I'm grateful to you for doing that well.Labels like "conservative", "liberal", and "progressive" have no clear boundaries and seem to be used mainly to do away with the bother of having to think things through, to spell them out. Also, of course, they're commonly used to segregate, to circle the wagons, and to vilify. I wish this were about something as simple as reproductive rights. Theoretically, at least, that could be discussed dispassionately, intelligently, with good will on all sides. Instead, this is about politics, and politics goes immediately into labeling people as friends and enemies.One fascinating thing about this so far is how Obama seems to have chosen the right approach to dividing the temporarily united "progressive" and "conservative" Catholics. In hindsight, it wasn't difficult, but it was certainly clever and insightful. There's a little article in The New Republic - an excerpt from a book written before all this - I don't remember any particulars - that remarks on Obama's ability to extricate himself from tight situations, but always at the last minute. Looks as though that's what happened here.
Bruce thinks I made his argument. Bruce thinks the bishops own the policies at Colleges and hospitals. Of course he is wrong. Maybe I own all the damn policies.. lookit up.
David G (12:53) quotes somebody:
Even assuming the Bishops are correct in their characterization, this objection seems excessively precious to me.
Well, yes, that's what the argument is all about, isn't it? You think it's trivial and they think it's not. Why not grant them that to them it's not, and it's their rights that they feel are being violated, not yours? Suppose it were the rights of a group that didn't involve Catholics at all? Would all Catholics be justified in writing it off as trivial?
MikeD 02/13/2012 - 1:56 pmIf the revised mandate were really like the approach in Hawaii, it would include a much broader exemption (for any organization that objects to including contraception/sterilization/abortifacient coverage on moral or religious grounds) and then have the separate rider for employees of exempt organizations be the means of achieving universal coverage for those that want it. I would be supportive of such an approach (despite my objections to mandates and contraception coverage in general). Whether the Bishops would support such an approach would be up to them, but I think it would be much closer to hat they want than the unwritten revision outlined in the federal register.
That all sounds good to me, Mike.If Obama had to stir up this hornet's nest at all, why didn't he at least choose that much more respectful approach? There was a comment out of the White House (as I recall) early on about government lawyers having reservations about the legality of their doing that. That sounds to me more like an excuse than an explanation. If they'd tried, they could have made it work. After all, they're the government - they have bottomless pockets and endless resources and patience. The extremely unfortunate fact is that they didn't try. And now we have this.
Nobody is going to pay any attention to the bishops at all if they continue with such made-up problems as this seems to be.
Ann, I think a lot of people are going to pay attention to them. This is just beginning.
GG: "a rider is defined as an additional benefit to a policy that the beneficiary pays for."Sed contra: Riders are usually paid for but can be given for free. For example, Those with older life insurance policies might have received an Accelerated Death Benefits Rider for free. Under this rider if you are faced with near certain death in the next few months you can withdraw some of the equity in your policy beforehand. New products commonly have such a provision but older ones did not. In order not to lose their long-time customers to the newer products the insurance company might offer the rider free, at least to selected clients. And not just in competition with other companies - - they may want to offer an updated rider so that their own new product does not cannibalize their own older productsThere is no necessary link between a rider and payment, not legally and not empirically. Some things in life are free, after all.But perhap the administration has plans to mandate payments for all riders that the rest of us don't know about.
Ed, let me ask you the following questions:1) Did you choose the Company?2) Did you negotiate what it covers?3) Did you negotiate its price?Those are the things the employer, as owner of the policy needs to do, even if you didnt see them. You and your fellow employees are the beneficiaries. We all realize the benefits are valuable and so accept reduced wages in exchange for them. But if you choose not to accept any benefits you dont receive increased compensation. The employers keeps any savings. All those things make the employer the owner. The employee has a right to the benefits under the policy, but that does not make them the owner.
Bruce, interesting. If you don't think of health insurance as a form of payment going from employer to employee--if you don't think a transfer of ownership is happening--it makes a lot more sense to me why someone would remain unsatisfied with the new arrangement. I don't think I buy that it's not a form of payment though. I think of health insurance as part of your compensation for work you've done. The employee has in effect paid for the insurance with his or her work.Your argument that the employer is the owner of the policy because he's the only one who can make changes to the policy doesn't hold up in this instance because the employee is in fact making changes to the policy once it's in her possession.
#1 Yes I had a choice of carriers i think about three at the start. . My employer was AT&T and they had more on their mind then about what ins. benefits were over 55 years,# 2. the HMO dictated what was covered. 3. No negotiations.. they raised the price every of the 55 years or so when the 'contract' expired.4. and the bishops still don't own the College and hospital polices.. 'Butt out... your excellency' ' would be a polite as I would get if I was Catholic hospital or college CFO.. . #5 AT&T transfered my health account to their pension plan and we both were happy.What's not to understand about 'Butt out ..your Excellency.. we don't see your name on the bill. the deed, the incorporation papers. 'Consult the USCCB Taco Bell attorney, he may help you out on who owns what.
I dont think I buy that its not a form of payment though. I think of health insurance as part of your compensation for work youve done. The employee has in effect paid for the insurance with his or her work.Matt Moses,In support of your position is the fact that the idea has occasionally come up to tax employer-provided health insurance as income.
Your argument that the employer is the owner of the policy because hes the only one who can make changes to the policy doesnt hold up in this instance because the employee is in fact making changes to the policy once its in her possession.
It seems to me that the employee is merely activating part of an existing policy. There's only one policy, no? As I understand it, if there were two policies, one of which could be entered into separately and voluntarily by the employee by choosing it, we'd have a very different situation and one that might come close to settling all differences.I wonder why the government is refusing to do it that way.I also wonder whey they opened this Pandora's Box in the first place, but that's become a separate issue, now. It seems unlikely that they'll confess error and close it, highly desirable as that would be (except, of course, to the people they were apparently trying to please in the beginning).Politics can be extremely unpleasant stuff.
Let me try this.Every state has a legitimate interest in the terms of the jobs that are offered to its citizens. Part of that interest is in seeing that employers do not exploit the economic power they have to hire and fire.Every state has a legitimate interest both in the way in which health care is provided to its citizens and in how that care is funded.Clearly, the Obama administration takes it that making contraception available is an important part of the preventive care that ought to be provided.Bishops disagree. They have every right to argue that the state ought to change its policies, even to argue that the administration policy is immoral. But they have to win that argument through the political process.So long as the no one is legally obliged to be an employer and no one is forced to use contraceptives, it is very hard to see that anyone's conscience is being violated.Now, there is a state interest in having Churches hire people to do all sorts of things that are in the public interest. That gives the bishops some clout in bargaining about the terms of employment. They are entitled to use that clout as they see fit. They might like to see their views prevail bot have no practical reason to think that they can get everything they think they have a moral right to argue for.So far as I can see, the bishops are using their clout poorly. They are also overreaching in their claims about conscience violations.
Matt,This link describes generally how health insurance works. And it leads me to change my description of the employer to sponsor as the plan rather than owner. http://www.kff.org/insurance/upload/How-Private-Insurance-Works-A-Primer... agree with your premise that health benefits have value and they are provided in return for work. I dont think that's enough to treat them exactly like wages however. For example, one could elect not to participate in the plan (common for a working couple) and there is not a commensurate increase in cash compensation. In effect, that non-participant is now working for less. That is different from other employee directed deductions out of wages.Davids comment about taxing employer provided health insurance is interesting in at least 2 respects. First the non-taxable nature of health benefits has created this problem by making health benefits more valuable to the employee than cash. That presumably makes employees will to take less value in health care benefits than they would demand in wages, which also benefits the employer. And second, because those health benefits are only non-taxable to the employee when paid directly by the employer (vs employee buying and deducting) they have created this conflict between the church and government (and numerous other problems as well).Nevertheless, I think the best way to think of employees in these plans is strictly as beneficiaries.
Ed,Your health benefits were paid directly by AT&T through a self-funded plan under ERISA. The 'health insurance companies' were merely administrators hired by AT&T to handle the day-to-day interactions between beneficiaries and providers. You merely had a claim as a beneficiary. The proposed solution clearly does not work in this case because the Catholic institutions will be paying directly for the problematic mandated services.As for your excellency comment, If I was the bishop I'd respond, "I'm the keeper of 'Catholic', if you choose not to follow my direction in this matter, then you can remove the 'Catholic' from your name. I believe that was the decision and solution in the case of adoption services in Illinois when faced dealing with adoptions by gays.
John Schwenkler, would you have any problem with this scenario?1. A Catholic hospital continues to buy from United Healthcare the same policy it has now - that policy excludes coverage for contraception.2. Without any involvement by the hospital, the government pays United Healthcare to provide free contraception to any employee of the hospital who wants itIf that does't pose any moral issue for the hospital, then determining how much the government should pay United Healthcare is an issue for the two of them to work out. It doesn't affect the morality of the scenario.The government says that United Healthcare is going to save so much money because of fewer pregnancies that it will either make more profit or, at least, break even. Therefore the amount of money it should pay United Healthcare is zero. Maybe they are right, maybe not, but that is a business deal for the government and United Healthcare (and the rest of the insurance industry) to work out. If United Healthcare and the other insurance companies won't agree to the zero payment, then there can be a discussion of whether the government or the employee should pay. In any case, the hospital won't have to pay. Any problem there?
Bernard,Your legal analysis is inverted for the following reasons. The highest law is the constitution which says that 'Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof'. So if Congress tries to make a law, even employment or healthcare law, which it believes is in the best interest of the community, it is precluded from doing so by the constitution if that law prevents the free exercise of religion. That is the Bishops fundamental position. And trying to mandate that any institution which has employees is not a religious institution runs afoul of the exact same problem. Even the original regulations conceded both these points, thats why they had the exclusion for tightly defined religious organizations.
John Hayes: I would oppose such a policy for other reasons (namely, that I don't think access to free contraception is a public good), but it might obviate the problem I am identifying with what I take to be the policy we're getting.
If the contraception coverage is folded into the policy paid for by the employee (with co-payments from employees, it should be noted), then youre right, were back to square one. But that is precisely why I believe the senior administration officials who briefed reporters on the revised plan. I have reported what I could, according to the terms of the interview. Senior administration officials confirmed that the contraception coverage would be offered as a separate policy.
Grant, if things are as you describe in your comment at 3:14, then basically the additional coverage is essentially a rider ("A supplementary clause or codicil added to a document after its first drafting", says the OED, and as Patrick Molloy explains it doesn't matter whether (or how) it's paid for), and so the policy would meet the objection I am raising here. So perhaps I was not right to say that there are no reports out there that conflict with what the bishops say in what I quoted, though I am not sure that the administration itself is clear enough on its policies to make these distinctions. If you want to trust that the officials you spoke to were able to make these distinctions effectively, that's your prerogative. Again, I am just trying to make it clear where the issues lie -- and I am glad that the distance between us seems to concern questions of fact rather than those of right.
John Hayes: I would oppose such a policy for other reasons (namely, that I dont think access to free contraception is a public good), but it might obviate the problem I am identifying with what I take to be the policy were getting.My sense is that what I described is what we will get if the insurance companies agree not to get paid extra. In that case, I think the regulations will not mention anything about getting paid - they will just require that any insurance company that sells a contract that excludes contraception must provide free contraception to any employees covered under that contract. The insurance company will do it because the regulations require them to do it - not because there is anything in the hospital's insurance contract that requires it.
Bruce. last week Catholic Health Care West changed it's name to Dignity Health Care. Biggest ..at least in the west. Now don't tell us that someone, a hierarch owns Dignity, even if it's the core of our respect life principles. If you take your arguments with their esoteric reasoning to the public square you will be ignored by the polite and mocked by the mean. ..
From the Catholic point of view, the issue lies in the degree of cooperation with the "evil" of contraception. If employers are not contracting and paying for contraception, then the cooperation is quite remote, and, given the great good of health coverage, licit.
If employers are not contracting and paying for contraception, then the cooperation is quite remote, and, given the great good of health coverage, licit.It may be that the level of cooperation would be remote enough to make it licit if there is no other way to provide health coverage. But that doesn't mean the state should force employers into that position, which is what is at issue here.
Last Sunday, on the front of the bulletin was an outraged letter from our archbishop on the HHS ruling. It was hard to sit in my pew. Politics had entered the Church. Sister Carol who actually works in health care had accepted the Presidents recent ruling on the birth control ruling. The bishops have decided that the Republican party is for them and is joining them to get rid of the President. It did not work the last time and this misuse of power continues to erode the love of the Church for many. Catholics are leaving the Church. They are making us choose. We want to stay but they are making it so hard.
John S. In the scenario I described I don't see any any cooperation in evil at all. The hospital excludes contraception from its insurance and it has no control over the insurance company distributing free contraception as required by the government. If the bishops' goal is to get to the point at which no one who works at a catholic hospital, university, etc can get contraception other than by paying for it with their own money or qualifying for a low-income program at Planned Parenthood, I think that is going to be a very hard sell.
No, Bruce. There is no infringement of free exercise clause by saying that , if in the course of doing so, you employ people that you don't have to employ. Any organization, religious or otherwise, can engage in whatever activity it wishes. But if they decide to employ citizens to do so, they are not free to do so on whatever terms they choose. There are legal consequences to the decision to hire people. The state has a legitimate interest to make sure that the employment of its citizens takes place under terms that protects the employees. Only the state has the legal authority to decide what these terms are. Of course, bishops, like the rest of us, can engage in the political debate to ask whether the state has picked out the right terms. But that debate is essentially a political debate. No one can elude the political nature of this debate by declaring, unilaterally, that its preferred position be legally controlling.
You can also look at it this way:The ins. co. decision to offer free contraceptives is just a cost of doing business for them. The Catholic employer asks the ins. co. for something simple: will you sell us a contract for an ins. policy that doesn't include contraceptives, etc. coverage? The ins. co. replies Yes, and they sign such a contract. End of employer=ins. co. relationship except for paying the premiums and giving it ins. co. the names of the employees of their institution. The ins. co. then asks the employees if they want riders. Some say Yes. So the company pays for them, and writes off the cost of said contraceptives, etc. End of ins. co.-employee relationship.Yes, the employer has to give the employee names, but they *have* to give the names so the ins. co. can pay for the other meds and services.
I thought what was at issue was the kind of cooperation we were talking about. After all, any time you pay an insurance premium you are subsidizing someone else's contraceptive services. There's a good chance that, according to the bishops' arguments, you're subsidizing abortions too.
No, the bishops' arguments do not have that consequence. For the subsidy is not deliberate in that case, whereas it clearly is when you are paying directly for someone's health coverage.
It has nothing to do with the deliberateness of the act, but rather the nature of health insurance. When you pay Aetna a premium for your coverage that does not include abortion, it's pooled with premiums from enrollees whose policies cover abortion.And now critics of the revised regulations (let us for the moment stipulate that the revision is real) are complaining that even if you split the policies, the employer will still be subsidizing the contraception coverage because they just know insurers will raise rates. Those sorts of objections misunderstand pooled risk.
Bernard,You said: "Any organization, religious or otherwise, can engage in whatever activity it wishes. But if they decide to employ citizens to do so, they are not free to do so on whatever terms they choose. There are legal consequences to the decision to hire people. The state has a legitimate interest to make sure that the employment of its citizens takes place under terms that protects the employees. Only the state has the legal authority to decide what these terms are."I believe the Supreme Court recently rejected that view 9-0.
And now critics of the revised regulations (let us for the moment stipulate that the revision is real) are complaining that even if you split the policies, the employer will still be subsidizing the contraception coverage because they just know insurers will raise rates. Those sorts of objections misunderstand pooled risk.Well that is not my complaint, though I do think it is important that premiums be shown not to go up as a result of the policy.But it is absolutely wrong to say that deliberateness is irrelevant. If I go to a restaurant and buy myself a meal, then I am not paying for your meal, even if in fact your meal was offered at a reduced price and the difference was made up by some of what I paid. Rather, I paid the restaurant for a service, which they provided, and then used what I paid to cover some other costs. In the very same way, when a company (or individual) buys into a health plan, they pay for a certain policy, and the insurer uses the money that was paid (which has now changed hands, as was noted above) in various further ways, including paying for things covered under the policies of other individuals. But the other policyholders (or their employers) are not paying for those services any more than I would be paying for your meal in the situation I described: rather, they pay only for the things they purchase from the insurance company, namely their own policies.
If a religious employer provides for employees a non-contraceptive (NC) plan and as a result the employees receive contraceptive (C) coverage both coverages begin not before the employer pays the initial NC premium and ceases when the employer stops paying premium (with a limited grace period) for any individual. In other words, if Jane Doe quits in the middle of the year both her NC and her C coverage will no longer be in effect. The C coverage lasts only as long as the NC coverage is being paid for. She cannot continue her "free" coverage if she is no longer part of the religious employer's plan. Whether we want to talk about one policy, two policies, or a base policy and a derivative policy (or rider) the two coverages could not be more closely united. I suppose it's possible that a benevolent insurer might continue the C coverage when Jane quits her job - there's no law against it - but I find that even harder to believe than the other dubious elements of the HHS grand bargain. After all, the insurer is supposed to profit from reduced pregnancy claims in the NC plan which becomes non-existent for Jane due to her separation from employment. It's impossible to deny that thetwo coverages are paid for with the same premium dollars whether the NC and C benefits are listed on the same page or disclosed in two separate mailings. BTW, if I were a big insurance company I would be wary of religious employers with a lot of transient workers. These workers would get the "free" C coverage but not stick around long enough for the insurer to reap the benefits from reduced pregnancies.
@Luke Hill on Lisa Fullam's example of the options available to Catholic couples"Its also because of these lived experiences that the overwhelming majority of Catholics just ignore ecclesiastic teaching on contraception."Exactly! While the technical intricacies of insurance policies and various theological hyper-distinctions are hashed out, real couples face options as best they can. Bishops have achieved their irrelevance the old fashioned it, by earning it. The amount of suffering they have facilitated is unfathomable.
I only meant that whether you intend it or not, when you pay premiums to an insurer, your money is being pooled with funds from people who are contacting for abortion coverage. Your premium is not segregated into a separate non-abortion-funding account.Of course, according to the Catholic moral calculus, whether you seek abortion coverage matters significantly. But that is something the revised mandate attempts to address. The USCCB said it was wrong for the government to require it to "pay for" (that's the language they kept using) contraception coverage. Obama said, all right. Even though we are already exempting houses of worship, parishes, and chanceries, we won't make you include contraception coverage in the health plans of your hospitals, schools, and charitable organizations. We will have insurers do that separately.
About the Author
John Schwenkler is an assistant professor in the Department of Philosophy at Florida State University.


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At a glance: Chemistry
The department of chemistry and biochemistry – a signature focus of the University – offers an interactive learning environment and is accredited by the American Chemical Society. Students are prepared for research and careers in physical and medical sciences. They learn to master methods in mathematics and physical sciences while developing the competence to identify, analyze and solve scientific problems. Graduates are highly successful in pursuing career paths in medicine, research, industry, forensics or environmental science.
Distinctive features
- Thirteen full-time faculty members with Ph.D. degrees and expertise in many areas of chemistry are dedicated teachers and mentors
- Small upper-level classes and personal interaction with faculty
- The majority of students complete a year or more of research with a faculty member
- State-of-the-art facilities and access to modern instrumentation
The department of chemistry and biochemistry is located in the Meyer Hall of Science and in the new Mathile Center for the Natural Sciences, which joins Meyer Hall with the College of Pharmacy. The Mathile Center provides more than 95,000 square feet of modern classrooms, laboratories, and seminar and conference rooms.
Student organizations
Student Members of American Chemical Society (ACS), Gamma Sigma Epsilon
Professional placement
Aerodyne Corp., Astra-Zeneca Pharmaceuticals, Batelle Research Center, BP Chemical, Chemical Abstracts Service, Cooper Tire and Rubber, Dow Chemical Company, Dupont, Eastman-Kodak, Eli Lilly, GlaxoSmithKline, Procter & Gamble, Quaker Oats, Roxanne Chemical, Scottslawn, Sherwin Williams, Boehringer Ingelheim, Lubrizol.
Students regularly participate in summer research experiences at both ONU and other universities. The following is a brief list schools where ONU chemistry students have been placed during the summer: The Ohio State University, Dartmouth, Cornell, University of Michigan, University of Oregon, University of Texas, University of Louisville (College of Dentistry), University of Illinois.
Graduate schools
Cornell University, MIT, Georgia Institute of Technology, Indiana University School of Medicine, The Johns Hopkins University, Northeastern Ohio Universities College of Medicine, Northwestern University, The Ohio State University Colleges of Dentistry, Medicine and Optometry, The Pennsylvania State University College of Medicine, Purdue University, University of Chicago College of Medicine, University of Cincinnati College of Medicine, University of Illinois, University of Indiana, University of Michigan, University of Minnesota, University of Wisconsin, Vanderbilt University, Yale University.
Career opportunities
Chemistry is the science of matter, while biochemistry is the science of matter in living organisms. Careers in chemistry and biochemistry may involve working on cures for cancer, monitoring the ozone that protects us from the sun, developing new textiles and consumer products, making new materials and catalysts for industrial and pharmaceutical use, and protecting our water supplies.
In the spotlight
For the last nine years, the Department of Chemistry and Biochemistry at Ohio Northern has had at least one Goldwater Scholarship winner and/or honorable mention. In 2013 two ONU Chemistry majors were named Goldwater scholars.
Chemistry students give presentations of their research on the local, regional and national levels. ONU chemistry graduates have a very high placement rate into graduate and professional school as well as into the workforce.
Since 2005, the Department of Chemistry and Biochemistry at Ohio Northern University has had eight Goldwater Scholarship winners and two honorable mentions.
Nearly every student in the major spends at least one summer doing a paid summer research experience with a corporation or an academic/research institution.

subset: commoncrawl


text: I took that bp med for 12 weeks after delivery and pumped/breastfed the whole time. If she is very concerned she should ask her doctor specifically for a drug that is compatible. A lot of meds say they aren't because they are being cautious as new information is always being learned. She can even ask the pharmacist what s/he thinks about it. They will usually have the most up-to-date information. She can also call the local lactation consultant and she should have a copy of Hale's book about meds and breastfeeding (that might even be my first call). On that, I will post to my local AP group because I know a few people who have that book and see what they say then post back.


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Early starts and long days, mountain summits and shaded belays – maximize the spring climbing season and throw in the Ultralight Down Hoody. It uses top-notch 800-fill-power premium European goose down that traps your heat, and an ultralight yet super tough shell fabric that blocks wind and sheds snow with a DWR (durable water repellent) finish. The sewn-through construction, tight channel pattern and just the right amount of down increase versatility for use in more moderate temperatures and diverse activities. The slim silhouette (and low-profile, single-pull adjustable hood) maximizes thermal efficiency and suits its ideal uses: belay parka over light layers at crisp crags, minimalist summer alpine bivies and unmatched warmth layered under a shell. Pockets include two zippered handwarmers and one zippered chest. A drawcord hem helps keep in the heat. Stuffsack included.
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Gender: Men's
Weight: 264 g (9.3 oz)
Material: Nylon ripstop, 800 European goose down
Fit: Regular fit
Season: F14 S15
Vendor ProductId: 84766
Review ProductId: 26911
Reviewed by 4 customers
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- So lightweight
Best Uses
Comments about Patagonia Ultralight Down Hoody (Men's):
Lightest down jacket, yet warm enough during cold weather
- Was this a gift?:
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This is a great jacket. I love it. It is athletic cut so if your gut is bigger than your chest pick something else. It is a perfect outter layer around town and probably a good outerlayer for a belay with just a single layer under. I would be careful using it as an outter layer in rough terrain, sharp rocks, bushwacking, etc.
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Patagonia is starting a new age of down. No longer does a nice down jacket have to be associated with the Michelin man. This jacket is warm enough for cold weather excursions yet cool enough that you won't roast when wearing during more active times. It layers great under rain jackets or over sweat shirts. The hood traps in so much heat and is like a pillow surrounding you. And the included stuff sack that it packs into, it's riduculously small. It is so nice to have a fleece alternative to throw on.
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This is a great jacket alone or as a layer for any cold weather condition.


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My friend LOVE it...
By hk205518
from New York, NY
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Comments about 2 Bottles Houdini Napa Valley Cabernet Sauvignon:
Im not into wine and was confused what kind of wine to get to this very special friend. When she got this set of wine, she loved it and was in tears.
Bottom Line Yes, I would recommend this to a friend
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Great price for a good cab
By Alice Morgan
from La Habra, CA
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I sent a bottle of this in a basket to a good customer a while back and they raved about it. So I've been finding a reason to send them a bottle or 2 every so often and they appreciate it. I still haven't had the opportunity to try it but they've gone into great detail of how good it is - and they know a lot about wine.
Smooth drinking
I sent this to my brother in a gift basket a while back and he loved it. Glad it's finally available on its own.


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1/23 - Nicky Robert Martin, 44, 135 Hillsboro St., Stedman, assault on a female, assault with a deadly weapon, injury to personal property. Bond $2,300; court date March 12.
1/23 - Kingta Nakia Williams, Rainbow Lane, reported that someone busted the front door off its hinges to gain entry into her residence. Nothing was reported stolen. Damage was estimated at $300.
1/23- Teriesa Kramer of Florida, reported that someone broke a door to her Minnie Hall Road residence to gain entry. Nothing was reported stolen. Damage estimates were not listed.
1/23 - Carroll Wilson Spencer, Spencer Road, Faison, reported that someone took a red Kawasaki ATV, valued at $1,900, from underneath his shelter.
1/23 - Gary Ward Parker, Lake Point Lane, Clinton, reported that someone entered a building at his hog farm and took a .22-caliber rifle valued at $300, a Honda 7000 valued at $700, a Honda 5000 valued at $850; a stainless steel sink valued at $500; a stack of galvanized steel valued at $300, three buckets of scrap metal valued at $100, and a .12-gauge shotgun valued at $500.
1/23 - Shaker Thomas, Garland Airport Road, reported that someone stole tires and rims, valued at $350, from her vehicle while it was parked on Highway 41 near the Sampson County line.


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"This card was absolutely amazing. The quality,texture and over all design was perfect for my families holiday card. A ltitle pricy, especially when ordering a lot, but you get what you pay for. Loved them!"


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Thunder in the Vicinity
Wind: 3 mph
(Vermont's Congressional delegation explains members' individual votes on this week's debt ceiling/deficit reduction vote.)
U.S. Sen. Bernie Sanders, I-Vermont
The wealthiest people in this country and the largest corporations who are doing phenomenally well today are not being asked to contribute one penny in shared sacrifice toward deficit reduction. On the other hand, middle-class and working families who are suffering terribly in the midst of this horrible recession are being asked to shoulder 100 percent of the human cost of lowering our deficit. This is not only grossly unfair, it is bad economic policy.
This two-part deficit-reduction legislation is complicated, and it is impossible to predict exactly which programs will be cut and by how much because the process requires action by appropriation committees and a new super committee in months to come.
But it is very clear that there will be devastating cuts to education, infrastructure, Head Start and child care, LIHEAP, community health centers, environmental protection, affordable housing and many, many other programs. I am also concerned that when we hear that 'everything is on the table' in terms of what this super committee deals with it will certainly include devastating cuts to Social Security, Medicare, Medicaid and veterans' needs, while protecting the interests of the wealthy and large corporations.
This country needs deficit reduction, but we need to do it in a way that is fair and which will result in economic growth and job creation. This proposal does neither and I will oppose it.
U.S. Representative Peter Welch, D-Vermont
Rep. Peter Welch issued the following statement after the House voted on a budget deal negotiated between the White House and congressional leaders. Welch opposed the measure, which passed by a vote of 269 to 161.
From the start of this debate, I have been guided by two objectives: First, America must pay its bills. Congress and the president should negotiate, but America should never default. Second, we need a balanced agreement that puts everything on the table.
While I am pleased that, with this agreement, America will continue to pay its bills, I voted against it because it is not a balanced plan with shared sacrifice. It ignores glaring inequities in the federal tax code while cutting programs important to the middle class, seniors and low-income Americans. There is simply no excuse for condoning continued tax breaks for Wall Street hedge fund managers, the ethanol industry and big oil companies while the middle class struggles to hang on to their jobs, pay their bills and send their children to college.
I also voted against this bill because it validates the tactic of putting a gun to the head of the American economy to advance a party's agenda. Never before has a willful majority in Congress held hostage the full faith and credit of the United States of America in order to get its way on the budget. This is a dangerous precedent that will make it more difficult than ever for Congress to meet the many challenges facing our country. It is regrettable that those who employed it have succeeded.
Senator Patrick Leahy, D-Vermont
With no time to spare, this bipartisan solution has averted a manufactured crisis that has held hostage our entire economy and every American family in it. A default on U.S. obligations for the first time in our history would have imposed incalculable harm and a credit rate tax on every citizen, every state, every community and every business.
This is not a solution I would have preferred, but the compromise finally reached by the White House and congressional leaders puts common sense and the national interest above partisanship and ideology.
Our country was pushed to the brink of catastrophe. The choice at hand was not this bill or something better. The choice is between the only bipartisan practical solution to the debt ceiling crisis, or a devastating default on the nation's debts for the first time in our history. A default would send shock waves throughout our fragile economy. It would slap a credit rate tax on every household and every business in Vermont and across the country.
The bipartisan agreement includes $3 trillion in spending reductions reached through bipartisan negotiations that will yield the greatest overall budget savings ever. Just as Vermont families are having to make difficult financial decisions, we need to make long-term budget reforms, and the country should be spared the ordeal of having to go through this same kind of torment again just a few months from now.
The Special Congressional Committee chartered by this legislation to recommend future deficit reduction can consider revenue measures, and I will continue to push for an end to outdated tax loopholes for giant oil firms and companies that ship American jobs overseas. I also continue to believe that the wealthiest Americans should pay their fair share in these solutions.
If the Special Congressional Committee fails to make bipartisan recommendations, then the agreement calls for cuts in defense spending and protections for Social Security, Medicare benefits, Medicaid, veterans' benefits and child nutrition. I strongly support these protections.
All along the American people have wanted this debt-limit crisis resolved promptly and fairly through the give-and-take of our representative government. It is extremely unfortunate that many who manufactured this crisis in the first place then stood in the way of a solution for weeks on end, threatening the first default on United States obligations in our history.
Many in the Senate recall, as I do, the period just two short decades ago when Congress and a Democratic president were able to balance the federal budget and create budget surpluses that were on their way to paying off the national debt altogether. I remember also the key Senate vote to put us on that path, which had to be achieved without any support from the other side of the aisle. Those balanced budgets and surpluses also were achieved without any constitutional amendment requiring them. And those surpluses grew, until subsequent decisions were made by a new administration, and ratified by a new Congress, that squandered the surpluses and piled the debt up once again.
What the American people want, need and deserve is a return to wise and disciplined leadership. We need the return of a willingness to cooperate and to forge solutions across partisan lines to solve the most pressing issues facing the country. The economic health of the nation and the jobs of millions of hardworking Americans should not be mired in politics.
The Senate throughout history has shown its remarkable ability to rise up in times of crisis to reflect the conscience of the nation. Once again, for the good of the country, Democrats and Republicans in both chambers were able to rise to the occasion and put an end to a contrived crisis that has put our entire economy at risk.


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+1 to all of the above
+1 to all of the above
In order to make delicious food, you must eat delicious food. Jiro Ono
Can't wait. These are gonna be awesome!
Must be a joke... I don't see any pictures Good one Pierre!
Amat Victoria Curam Fortune favors the prepared.
"A human being is primarily a bag for putting food into." -George Orwell
Here you go!
Feel free to visit my website, http://www.rodrigueknives.com
Email email@example.com
Pierre, please tell me at least one of those is a 270!!!!
"With great knives comes great responsibility."
Ooooo! OOOooooo! Westerns!
Now is not the time to bother me. And it's always now. Wiley Miller
Holy bovine
i see, i see
In order to make delicious food, you must eat delicious food. Jiro Ono
I want a western sooooo bad. I will get one must have one.


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August 4, 2015
Madison County Sheriff's Office says that two people are dead after an accident on Highway 21, near North Zulch. The highway is shut down and will be reopened at noon. Traffic is being detoured to FM 39.
Authorities say 19-year-old James Turner, of Madisonville, was driving his Dodge Charger when he crossed over the center line and hit 53-year-old Paula Gale Colwell, also from Madisonville.
Colwell was pronounced dead at the scene. A medical helicopter was dispatched to the scene for Turner, but he did not survive. Both were pronounced dead by Madisonville Justice of the Peace, Precinct 2.
DPS says they were able to rule out cellphone distraction as a cause. Turner's cellphone was found inside his pocket. Investigators are still working on the exact cause of the crash.
The husband of Paula Colwell spoke with us by phone Thursday night and said his wife was on his way to a doctor's appointment in Bryan when the crash happened.
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An Aiken man was indicted on charges of murder in Richmond County this week for allegedly shooting and killing a family member inside University Hospital in October, according to court records.
Charles Gorrell, of Sudlow Lake Road, was indicted on Tuesday by a grand jury on charges of felony murder, malice murder and possession of a firearm during the commission of a crime.
Authorities have said Gorrell, 86, brought a pistol into his wife's hospital room and shot his nephew, 59-year-old Tim Grooms, on Oct. 16.
Court and law enforcement officials in Augusta threw together a bond hearing on short notice in November, amid reports that a "gravely ill" Gorrell was released from the hospital and sent back into the Richmond County Sheriff's Office custody at the detention center in Augusta.
A Superior Court judge denied Gorrell's original request for bond on Nov. 1.
The motion to reconsider Gorrell's bond said his health had declined rapidly in the past month.
Detention center officials said at the bond hearing that their medical facilities are not capable of handling a patient with Gorrell's needs.
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The USB Flash Token can be used to store images, configuration files, or any other type of data, and can also be used to boot a consolidated package on the router.
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text: Jim Fuller: This is your duty as a citizen: Take a deep breath and try to watch and listen to Fox for a half hour or so at a time, at various times of day. More if you can stand it. You'll rarely catch even a single story that is not twisted to fit an extreme right view of the world.


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Researchers track evolution of Philly's odd accent - Comments
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Quotes: Quakes at FC Dallas
On game:
"It was a perfect start. Two goals in the first 20 minutes away from home is as good as it gets. Once the second goal went in the plan was to defend and not concede for that next 10 minutes. We know they're coming right back full of adrenalin and want to get one back. Unfortunately, they did get one, but I thought our guys fought right until the end. I'm just proud of our guys getting a point."
On defensive effort:
"I thought our team defending was pretty good overall. The mentality we approached the game with was solid for 90 minutes and as a coach I was really happy to see that. If you look at the full game, playing down a man for that amount of time, getting a point on the road is not a bad game. Especially when it's with a team that is close to you in the table."
On scoring plays:
"Cordell [Cato] made a good run down the left side. He put a great ball in, it was deflected and I buried it. The second goal was just a really nice play … a good team goal; good passing, good positioning. Rafa [Baca] played a fantastic ball and what a finish by Beita [Steven Beitashour]."
On performance:
"It's very disappointing for us. We were in position to get three points and I think we did enough to win the game. You can have your opinions about how they ended up tying the game but it's disappointing to us."
On his goal:
"Gordo [Alan Gordon] did a good job holding up the ball and playing to Rafa [Baca]. Rafa played a great ball in and I finished it off. I thought [Raul Fernandez] was going to be a little further out so I didn't want to bring it down and have him knock it away. He was a little bit further back than I thought, so I was fortunate."
On clean sheet:
"It's definitely frustrating. We're up 2-0 on the road. We have to be smart and pack it in a little bit. They're coming at us and they got back pretty quickly … a lot quicker than we would've liked."
On return to Dallas:
"It was interesting. Even driving over to the field today, a lot of things have changed since I was last here. I lived across the street for a small period of time and they have a lot going on there now. For me personally it seems like it's come full circle almost. I came here a young man and come back here a veteran, a guy who's been in major international tournaments and been an international. It's a weird feeling, but a good feeling to come back to the place where it all started. I said before this club gave me a chance to realize my dream of playing professional soccer and this is where it started."


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Paul Daley, Maiquel Falcao Released by Bellator MMA
Paul Daley and Maiquel Falcao are no longer under contract with Bellator.
Today, the promotion suddenly announced a decision to release the welterweight and middleweight fighters, who've both landed in trouble with the law after reported assaults.
Bellator rep Anthony Mazzuca told MMAjunkie.com (www.mmajunkie.com) that the promotion will not retain matching rights and the fighters are free to compete for any other promotion.
"We examine each situation on a case-by-case basis, and in these two instances, the violent nature of both situations has led to our decision to release both fighters from the organization," he said.
Mazzuca cited Falcao's involvement in a brawl in his native Brazil and Daley's conviction on a charge of assaulting and obstructing a police officer, which contradicts public statements given by the fighter about the incident this past December in the United Kingdom.
Daley manager Wad Alameddine said he received word earlier today that Daley had been cut, but was unable to reach his client.
"I'm definitely disappointed," he said.
In June, Daley told Bleacher Report that the case had been thrown out for "lack of evidence and contradicting witness accounts."
Alameddine, however, confirmed that the welterweight had, in fact, been convicted of assault and fined for the charge. He said the conviction was noted on a police certificate that recently was forwarded to Bellator, after which communication dropped off.
He also said Daley recently gave hints that he might leave Bellator after recent one-to-one communications with the promotion's officials.
"I would assume that they've taken it to their immigration team, and their immigration team has probably advised them it's unlikely he'll get a visa, and the result is they've released him," Alameddine said.
MMAjunkie.com was unable to reach Falcao, who was also cut from his MMA team, Renovacao Fight Team in Balneario Camboriu, Santa Catarina, Brazil, which resides near the scene of the brawl in which he and a teammate were involved.
Falcao and Kaue Mena were at a gas station when Falcao allegedly slapped a woman and a group of men assaulted them in retaliation. Surveillance footage of the incident, which was obtained by a local TV station, showed Mena beaten by several men after being struck by a wooden beam. He lapsed into a coma and was later placed in intensive care. (His latest condition could not be verified at the time of this writing.)
Falcao (31-5 MMA, 3-1 BFC) won Bellator's Season 6 middleweight tournament before being knocked out by Alexander Shlemenko in February in a battle for the promotion's then-vacant title. He has not commented publicly on the incident, which reportedly is being investigated by Brazilian authorities.
Daley (33122), meanwhile, fought just this past weekend at Cage Warriors 57, where he won a first-round TKO over Lukasz Chlewicki. Prior to his legal woes, which scratched him from Bellator's Season 8 tournament, he fought once in the Bellator cage, where he delivered a first-round knockout of Rudy Bears.
Asked whether Team Daley has a plan moving forward, Alameddine said, "No, in short.
"This is all very much fresh. The only thing that Paul does have on his side is that he is a very exciting, entertaining mixed martial artist, and people will always want to see him, wherever he goes. Whether relies on that a bit too much for my liking is one thing, but wherever he goes, he'll keep doing what he's doing, and keep knocking people out."


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SHREWSBURY, Mass. - If you see a cameraman or hear a man yelling "Action!" around Shrewsbury, don't be surprised. The independent film "Blessid" is filming at several locations in town.
Shooting is being done in Shrewsbury, Spencer, Webster and other Massachusetts towns, producer/writer and Shrewsbury resident Robert Heske said. Shrewsbury film locations include Mount View Cemetery and Heske's home on Floral Avenue.
The plot for "Blessid" involves a pregnant woman — Rachel Kerbs — with a cursed past who forms a bond with a man who is immortal played by Rick Montgomery Jr.
Other cast members include:
• The young Madeline O'Brien, who made her feature debut in Ben Affleck's "Gone Baby Gone;"
• Amber Smith, a former model who has appeared on the covers of Vogue, Elle, Esquire, Maxim and Playboy in addition to appearing in feature films "The Mirror Has Two Faces," "L.A. Confidential" and "American Beauty;"
• Chris DiVecchio, who appeared on TV shows "Alias," "Law and Order," "Girls Behaving Badly" and "The Ghost Whisperer;"
• Gene Silvers, who has appeared on "Law And Order" in addition to Broadway productions of "Irena's Vow" and "The Whole Banana" with Matthew Perry; and
• Newcomer Gina Pardi, who has appeared in other independent and educational films, in addition to being versed in tap, ballet and jazz dance in addition to being a singer.
On the night of Nov. 6, Heske and the production crew crowded around a pickup truck parked at Carlton and Main streets to film a bonding moment between Kerbs' and Montgomery's characters. The mood was light, but Heske said shooting is on an "aggressive schedule."
The budget is relatively small — only $80,000 to $100,00.
Digital technology will make it possible to produce a quality, rich-looking film under tight constraints, Heske said in a previous Daily Voice interview.
Heske said he hoped to have the film in the can by early next year, in time to enter the film in the festival circuit.


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Possibilities is a fitting name for this curved, yet sleekly lined collection. The gently sculptured back and the rolled arms are inviting. The promise of comfort is fulfilled with the expansive seating environment.
The Klaussner Living Room Possibilities Dreamquest Twin Sleeper is available from Klaussner Home Furnishings.
Prices subject to home office audit & correction.
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Wednesday, July 24, 2013
Gary Gardner's smile said it all as he received an award on July 11 for his volunteerism.
The Berkeley County resident and American Red Cross volunteer had just returned from the disastrous wildfires in Colorado Springs, Colo. There he had a three-week stint of managing shelters and feeding operations working with families, many of which are military.
Gardner now manages shelter operations for the Red Cross Carolina Lowcountry chapter.
Lt. Col. Jennifer Judd, commander of the 628th Force Support Squadron at Joint Base Charleston, presented the Volunteer Excellence Award to Gardner. It is a lifetime achievement award given to volunteers dedicated to the military.
Gardner was initially sent to Colorado as a shelter supervisor, was assigned as a mentor to a local volunteer, then oversaw mass care management. He was involved with providing shelter, food and bulk distribution cleanup kits.
He was guiding a trainer in managing those functions, he added.
"We ramped up what was going on then," he said. "They moved me from shelter manager to mass care manager."
Gardner said the night manager of the hotel he was staying in lost her home to the blaze.
"One morning she was pretty down," he recalled. "The mental health volunteers talked to her. We took her under our wing and helped her through the five stages of grief.
"My reward for all of this is the hug or thank you I get at the end . . . volunteerism has been in my blood for a long time."
Gardner said he volunteered for the military service and after retiring he was unable to sit around the house and twiddle his thumbs, so his wife got him to volunteer at the Naval Health Clinic, where he has managed up to 50 volunteers.
In 2008 he joined the Red Cross and has since volunteered more than 12,000 hours for them. Gardner is also a Red Cross volunteer in the Roper St. Francis emergency room.
He said getting involved with the Red Cross just escalated his volunteerism.
"It's almost a full-time job," he said. "I enjoy what I do and look forward to continuing."
He has been deployed to 11 national disaster operations for the Red Cross, including 12 weeks in New York and New Jersey earlier this year following Superstorm Sandy.
"The biggest thing I've learned is there are people who care," Gardner said. "The Red Cross is one big family."
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Dogwood Stable's Palace Malice has been nothing short of being an exemplar of excellence on the racetrack.
However, in two weeks, that will all change as the son of Curlin will be facing the toughest challenge of his career. The 3-year-old colt will be meeting his elders for the first time. The grizzled veterans of the racetrack, have earned the battle campaign ribbons they possess by competing against the best in the business, and the 1 ¼-mile, $750,000, Grade 1 Jockey Club Gold Cup on Sept. 28 at Belmont Park, will hardly be a walk in the park for any of the entries.
The Jockey Club Gold Cup is an invitational race, and the entries for the Grade 1 contest will be composed of the nation's elite runners. Palace Malice worked a half-mile this past Sunday, over the Oklahoma Training Track at Saratoga Race Course. He's scheduled to work ⅝-mile on Sunday, and will ship to Belmont Park in Elmont, N.Y. on Sept. 16, said W. Cothran Campbell, Dogwood Stable president.
"He galloped out in his usual exuberance (during his work last Sunday), in a looking for more manner," said Campbell. "He's doing fine. The race will be as tough as it could be. Nobody expected anything else. We're coming up to it in great shape."
Palace Malice will have his final work in preparation for the Jockey Club Gold Cup on Sept. 22 at Belmont Park, said Campbell.
The Jockey Club Gold Cup will be an excellent prelude to the 1 ¼-mile, $5 million, Grade 1 Breeders' Cup Classic on Nov. 2 at Santa Anita Park in Arcadia, Calif., and the race will undoubtedly feature one of the deepest and most talented fields, with most of the nation's top handicap horses and three of the top 3-year-olds, Palace Malice, Orb and Will take Charge.
"I hear now, Will take Charge, a lucky winner of the Travers, is going to run in the Gold Cup," said Campbell. "I'm sure Wayne Lukas has taken a plunge to get him championship credentials, and if he were to win such a race, he would deserve them."
A favorable post position, in a perfect world, one on the outside, rather than on the rail, would be ideal for the race, said Campbell. "I'd love to see him draw an outside post position, so he can kind of dictate what's going on," said Campbell, who had been admiring a picture of himself feeding Palace Malice a peppermint the night of the colt's Jim Dandy Stakes victory, marveling at his energy and appetite. "But, the invitations go out on the 14th. We'll know exactly who's invited, and who is planning to run, but although we pretty much know it now."
Campbell will be celebrating his 86th birthday, the day prior to the Jockey Club Gold Cup.
"That would be a great birthday present," said Campbell. "It will be something to look forward to."
Ben Baugh has been covering the equine industry and equestrian sport for the Aiken Standard since 2004.
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Faculty of Education
The Faculty of Education began its operation in autumn 1946. With approximately 6,600 students, it currently offers degrees in Bachelor's, Master's, long-cycle Master's and Doctoral programmes in various fields of humanities and sciences. Besides teaching programmes, the faculty runs studies in special and social education.
Contact information
Poříčí 623/7
603 00 Brno
Czech Republic
Phone: +420 549 49 1111
Fax: +420 549 49 1620
Detailed information on R&D areas and projects:
- Inclusive education
- School and health
- School education
- Social development of personality and multicultural education
- Educational development and innovations
- Collaborative foreign entities
Inclusive educationback
Research runs in the field of social determinants of inclusive education, inclusive education in mainstream schools focusing on pupils with emotional/behavioural disorders, social disadvantages, and disabilities; education of gifted and talented pupils, research in specific areas of communication of pupils with special needs focusing on the Czech language, foreign languages, pupils with impaired communication abilities, with learning difficulties. It focuses on issues of school curriculum in teaching pupils with special needs at the first level of primary school and transition from primary to secondary school and transition from school to work.
Selected project solved in this area:
School and healthback
This area includes research of physical, mental, and social health in context of school and education; solution of methodological and methodical questions in the concept of health education and validation of evaluation tools for measuring effectiveness of developing health awareness and responsibility (skills, knowledge, attitudes, perception and evaluation schemes, behaviours, etc.) of a pupil and school as an institution.
Selected project solved in this area:
School educationback
Research in this area focuses on analysing structures, aims, content, processes and effects of school education in the changing economic, social and cultural conditions; theoretical and methodological basis for cross-curricular comparative research in different school subjects.
Selected projects solved in this area:
- Center for Basic Research of School Education
- Content Dimension of Primary School Curriculum
- Didactic Content Knowledge as a Key Concept of Curricular Reform
Social development of personality and multicultural educationback
In this area attention is paid to research of social interactions, education of socially disadvantaged and marginalized groups, values, social development of personality of pupils, crisis intervention and social pathologies; development of primary prevention programs and specific methodological tools for diagnosing and assessing social pathologies.
Selected project solved in this area:
Educational development and innovationsback
In this area, research runs in experimental development of curricular and didactic materials for schools, teachers, and pupils (textbooks, e-learning courses, tests, etc.). Research activities supporting development and application of innovations in schools and other educational institutions are held in the faculty.
Selected project solved in this area:
Collaborative foreign entitiesback
- Adam Mickiewicz University of Poznan [PL]
- Bradford College [UK]
- Compultense University of Madrid [ES]
- Free University Berlin [DE]
- JAMK University of Applied Sciences [FI]
- Karazin Kharkiv National University [UA]
- Malmo University [SE]
- Medical University of Wroclaw [PL]
- MGEN Foundation for Public Health, Paris [FR]
- Mid Sweden University [SE]
- National Institute for Health Development [HU]
- Nicoulaus Copernicus University [PL]
- Plovdiv University [BG]
- SPI Portuguese Innovation Society [PT]
- St. Petersburg Academy of Postgraduate Pedagogical Education and St. Petersburg Association of Valeologists [RU]
- Stefan cel Mare University of Suceava [RO]
- Technical University of Dresden [DE]
- The University of Education in Vienna [AT]
- University College Lillebalt [DK]
- University of Antwerp [BE]
- University of Aveiro [PT]
- University of Crete [GR]
- University of Exeter [UK]
- University of Graz [AT]
- University of Helsinki [FI]
- University of Jena [DE]
- University of Jyväskylä [FI]
- University of Kiel [DE]
- University of Ljubljana [SI]
- University of Malta [MT]
- University of Minho [PT]
- University of Patra [GR]
- University of Tartu [EE]
- University of Udine [IT]
- University of Vigo [ES]
- University of Wroclaw [PL]
- Wright State University [US]


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There are times that the only way you can do something is alone that waiting on the convenience of others means that a lot of opportunities will pass you by
Spirit Walker
Religion was invented when the first con man met the first fool. ― Mark Twain
Who cares about showers, gourmet food, using flush toilets. Just keep on walking and being away from it all.