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JB Holston Named New Dean
University of Denver Chancellor Rebecca Chopp announced that noted entrepreneur and scale-up CEO JB Holston will assume the helm of the University's Daniel Felix Ritchie School of Engineering and Computer Science. Read more here: DU Magazine
International Conference on Unmanned Aircraft Systems
The Ritchie School sponsored the most recent conference on unmanned aircraft systems here in Denver. Read more about the conference and the industry on our blog.


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Search Discussions
2 Years Ago
Scanning Original Artwork
I have some original artwork that I would like to post in my gallery. Everyone has such beautiful an high quality images of their artwork on here. I was wondering the best way to scan/photography my images. Some of them are large.
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Posted by: Janine Riley on 2 Years Ago
2 Years Ago
Take them to a printer & they will "stitch" the large sizes together for you.
You can learn to photograph them - if you have a lot of patience & a decent camera.
Posted by: Mary Armstrong on 2 Years Ago
2 Years Ago
I have a middle size scanner, (can scan to 11 x 17 inches) meaning not high end, but does a good job. I want to know how to stitch scans together. How do you do that? And what if the lid of the scanner cannot be removed in order to put something larger on the glass? No use trying to scan and stitch then.
Posted by: Janine Riley on 2 Years Ago
2 Years Ago
Mary, there are a few old threads on here about using the free stitching programs available. & that seems to be the problem for most people - not being able to remove the lid of the scanner .
Check with your local printers - it is not too pricey to have your paintings scanned ( & "marry" as they call it . )
It really sounds much easier if you have a good pile of work to copy. For me it's a hassle because I live far away from a decent town to be running back & forth. When I get about 25 together, I will - because then you can print at the largest sizes available..
Posted by: Judy Kay on 2 Years Ago
2 Years Ago
Mary, go to this thread and scroll down to Catherine Howard..She posted a tutorial on stitching that is very detailed.
PS scroll down to her 2nd post in this thread
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Walter Moss: Rather than using his leadership position as House Speaker to help educate new House Republicans and others, including American voters, about the noble history of political compromise, he succumbed to ignorance, displaying a lack of leadership.
Google Isn't (Necessarily) Making Us Stupid
Michael Sigman: Contemplative practices like meditation and yoga — the yin to Internet promiscuity's yang — are also on the rise. But my own meditation practice — which facilitates clarity and focus — has benefited incalculably from Buddhist and other spiritual websites, blogs, lectures, readings, videos and guided meditations. And my meditation group's email tree has become an interactive source for ideas, links and information about local events members might otherwise never discover.
Death Panels in Perspective
As a longtime resident of Wasilla, Alaska, I wonder if my hometown will ever escape its current association with partisan politics in the minds of people elsewhere. More specifically, will the American public ever be able to engage in an adult conversation about end-of-life medical issues? Too many people, it seems, don't realize that death […]


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4 Causes of Hair Loss
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The trigger is emotional or physical trauma. The shock can cause telogen effluvium, a condition that makes hair stop growing and fall out. "Imagine going bald overnight," says Jessie Cheung, M.D., an assistant professor of dermatology at New York University school of medicine. As your mind and body recover, so too will your hairline.
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Hair follicles demand a steady infusion of nutrients to sustain rapid growth. If you're shedding more than usual for 2 or 3 months straight, look at your diet: Too little iron, biotin, or zinc can send hair into starvation mode. To restore those nutrients, eat more broccoli, spinach, and eggs. Also, pop a daily multivitamin, such as Centrum.
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A silver-dollar-size bare spot signals alopecia areata. The catalyst is still unknown, but stress and genetics are likely culprits, says Kevin McElwee, Ph.D., an assistant professor of dermatology at the University of British Columbia. See a dermatologist for corticosteroid injections to ease the inflammation causing your hair to hibernate.
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You probably have tinea capitis, a fungal infection. (Think athlete's foot of the head.) Your body battles back with a wave of white blood cells that harm hair follicles. Try an over-the-counter antifungal shampoo, such as Nizoral. If that doesn't work, ask for a prescription antifungal medication, such as Lamisil.
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For those who wondered about the fate of Palestinian murderers living in protected exile in Europe, it turns out life in the Emerald Isle for Jihad Jaara isn't exactly a remake of "The Quiet Man."
That's the upshot of Joshua Hammer's article in the New York Times Sunday Magazine that gives us an update on the man who masterminded the murder of an American immigrant to Israel who worked with Palestinians in Bethlehem back in 2002. Along with other Palestinian killers from the Al Aksa Martyrs Brigade, Jaara took refuge from Israeli forces in the Church of the Nativity in Bethlehem (or to be more accurate, he was one of the terrorists who hijacked the place). After a long siege, international pressure forced Israel to let the terrorists go free with some going to Spain and others to Ireland.
Hammer subsequently interviewed Jaara in Dublin in 2002 for a book about the siege and published his confession of responsibility for the killing. As the victim was an American citizen, Hammer was later asked to testify about the confession before a federal grand jury.
Hammer goes on at length about his agonizing over whether to testify. This is as pointless as it is self-indulgent. There was no question of revealing sources since all the Justice Department asked of him was to verify in person the facts about the confession that he had already published. Unfortunately, nothing concrete came from the grand jury proceedings. Hammer leads his piece though with an account of a subsequent offer from the FBI, aimed at make him a government informant about Jaara. This gave Hammer a chance to show off his unwillingness to cooperate with law enforcement authorities.
Without too much trouble, Hammer again tracked down Jaara in Ireland. What he found was a sad remnant of a man living in fear of retribution from Israel and perhaps the United States. He and a Palestinian doctor both beg Hammer to tell them how he found them. Hammer refused them as he did the FBI and left the formerly brazen killer "sweating, sucking on a Marlboro, his eyes wide with fear."
Hammer goes on:
I supposed he spent most of his exile holed up like this, watching bad movies and smoking Marlboros, waiting for the day when Mossad or the C.I.A. burst through the door … Jaara was trembling; the Palestinian physician placed two hands on his shoulders to steady him. He was still shaking when I slipped out the door …
Decent people everywhere can take some satisfaction from the fact that a man who got away with murder is now a sniveling coward in a living hell. There is nothing left for him but to wait for the inevitable day he gets his just desserts.
But there's more to Hammer's piece than this illustration of poetic, if not actual, justice. Hammer's pose of journalistic integrity is especially tough to take because his portrait of the conflict between Israelis and terrorists like Jaara is based on a false moral equivalence. In discussing the outbreak of the second intifada, Hammer buys into the myth that it was a reaction to Ariel Sharon's "provocative visit to the Al Aksa mosque, one of Islam's holiest shrines in Jerusalem." Of course, Sharon didn't go into the mosque but just went for a stroll on the site of the Temple Mount (the original name of the place, which Hammer's text doesn't mention). Rather than place the outbreak of this campaign in the context of Yasser Arafat's need to change the subject after he rejected an Israeli Peace offer months earlier, he chooses to falsely blame it all on the Israelis.
Interestingly, one fact that Hammer doesn't conceal is that before Jaara killed Avi Boaz and took part in other terrorist shootings, he was an "officer in the Palestinian Authority's Preventive Security Service." This group was funded and trained by the West in order to maintain law and order and prevent terrorism. Instead, Jaara turned his rifle (no doubt given to him by Israel) on the Israelis and became part of Al Aksa, an organization that was financed by Arafat and his Fatah Party, the same group that is considered Israel's ideal partner for peace today. There are some who believe that those Fatah-supported Palestinians who are currently undergoing similar training by the United States will become an effective counter-terrorism force. Anyone who buys into that hope needs to learn more about why previous efforts to appease terrorists produced Jihad Jaara rather than peace. Despite its fractured portrayal of history, in this limited sense Hammer's article is of some value.


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36 Stem Rose Bouquet
Item #577349
Gift messaging is available during the checkout process.
Multiple orders need to be ordered individually due to gift messaging.
Gift box Includes: 36 Mixed Variety Roses, Ruscus, and a hydrating bag to ensure freshness upon arrival.
Glass Vase Dimensions: 8.85" H x 4.52" Diameter
To maximize the life and beauty of your flowers, it is important to follow the care tips below.
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Fla. Woman Parks Mercury Comet After 576,000 Miles
By editor
Good morning, I'm David Greene. A Florida woman is putting her car in park after 576,000 miles. Rachel Veitch bought her Mercury Comet, new, in 1964. The car has been through 18 batteries and it's outlasted three marriages. Rachel even appeared on "The Tonight Show" with the vehicle. Now, her failing eyesight is forcing her to hang up her keys. She told Fox News she is not giving that car to her family, because they won't take care of it like she did. It's MORNING EDITION. Transcript provided by NPR, Copyright National Public Radio.


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The Monkees announce reunion tour
The Monkees are back! Micky Dolenz, Peter Tork and Mike Nesmith are going on tour this fall. The group reunited after the passing of Davy Jones and fans can expect to hear all of their favorite songs. MonkeeMania is still going strong with our Gillian Pensavalle. [Read More]


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Ray Harryhausen died today.
The world lost one of its true cinematic visionaries, whose career was filled with special effects romps through mythology and fairy tales. When I was a kid, barely a month passed without one of his movies playing on the afternoon or weekend movies on the local channels. His ground-breaking use of stop-motion animation was the pinnacle of Fifties and Sixties special effects, and I always thrilled to watch Sinbad fight the skeleton warrior in The 7th Voyage of Sinbad. All I knew about the Arabian Nights until I was much older came directly from Ray's movies.
His other movies are landmarks as well: Mighty Joe Young (he worked on effects for it), Earth vs. The Flying Saucers, Mysterious Island, and The Three Worlds of Gulliver all had strong impacts on my impressionable younger self. His last real movie, the original Clash of the Titans, was both cheesy and incredible, given that the effects technology he used was becoming antiquated thanks to modern model work and, eventually, computers. There was a charm to his work; it wasn't easy making movies with stop-motion technology and the passion he had for his subjects always came through.
Rest in Peace, Ray — you inspired me and countless more with your flights of fancy.
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COLUMBIA CITY — After undergoing a major injury, surgery and a long recovery process, not many people would feel blessed — but not everyone is Angie Smith.
"When I first got hurt, I never thought anything good would come of it," Smith said. "But everything I learned and experienced was worth getting hurt. I have no regrets and it was a really good lesson for me."
Smith has been an assistant girls track coach at Columbia City High School for several years, and an avid sportswoman — running, biking and any recreational sport she can get involved with.
September 17, 2012, Smith was working at Little Turtle Elementary School, supervising recess and playing kickball with a group of students.
"I wanted them to see me outside of that job position and have fun," Smith said.
Smith said it was fun while it lasted — until she slid on some gravel while trying to make a double play.
"I did the splits and tore my hamstring," Smith said.
Smith's hamstring was torn three inches off the bone.
"The doctor said I probably couldn't have ripped it much more than I did," Smith said. "My leg swelled up and it felt like it weighted 100 pounds."
Three weeks after her injury, in October 2012, she had surgery to repair the hamstring.
To read the rest of this story, see the Oct. 9 issue of The Post and Mail. Don't have a subscription? Call (260) 244-5153 or subscribe to our e-edition. For breaking news, sports updates and additional coverage, bookmark the homepage and find us on facebook and twitter.


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1. shank - noun
· a cut of meat (beef or veal or mutton or lamb) from the upper part of the leg
Hypernym(s): cut, cut_of_meat
2. shank - noun
· the part of the human leg between the knee and the ankle
Hypernym(s): body_part
3. shank - noun
· cylinder forming a long narrow part of something
Synonym(s): stem
Hypernym(s): cylinder
4. shank - noun
· cylinder forming the part of a bolt between the thread and the head
Hypernym(s): cylinder
5. shank - noun
· cylinder forming the part of a bit by which it is held in the drill
Hypernym(s): cylinder
6. shank - noun
· the narrow part of the shoe connecting the heel and the wide part of the sole
Synonym(s): waist
7. shank - noun
· lower part of the leg extending from the hock to the fetlock in hoofed mammals
Synonym(s): cannon
Hypernym(s): body_part
8. shank - noun
· a poor golf stroke in which the heel of the club hits the ball
Hypernym(s): golf_stroke, golf_shot, swing
9. shank - verb
· hit (a golf ball) with the heel of a club, causing the ball to veer in the wrong direction
Hypernym(s): hit
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Okay so I'll admit it — I'm obsessed. I'm in love with all things "ye olde English garden" at the moment. There's something about those rolling English hills in the Lake District and the faded floral chintzes, linens and plasterwork that get me going. Robbie and Cecilia (a.k.a. James McAvoy and Keira Knightley) in 2007's Atonement didn't help my case either. Those sets, those gardens, those accents! I think we're all yearning for a little timeworn romance in our spaces right now, and I have just the budget fix!
Enter the classic and timeless blue and white Johnson Brothers Willow-Blue dinnerware collection (above). A 20-piece set is on sale until May 31st at Rob McIntosh for only $140! The Johnson Brothers Willow-Blue Tea Set below (13 pieces for $140, on sale until July 19th) is also a bargain from none other than Sears! These steals are about the same amount you would pay for a single plate in some of the shops I frequent as an editor. You'll see similar patterns in many an English nana's cottage, and in many pricey antique shops to boot! Fortunately, these offerings are high on style and low on wallet smarting.
The Blue Willow from Sears is a steal, but here are some more options to whet your appetite. These are true antiques from Cynthia Findlay Antiques (below). Now some are very old and therefore very expensive. But as I mentioned, this pattern has been made for years and some of these examples are from the 20th century. You can get some side plates for under $20 at Cynthia's! So why not create a mix-and-match collection that spans the decades and is truly personal. You can add to it over time and really get that heirloom-quality, layered look from a bunch of different sources.
So if you're like me, and thinking of brewing a cuppa and settling in with some Lord Byron, do yourself a favour and set your linen cloth-covered table with this classic Willow-Blue pattern.
Photo credits:
1. Rob McIntosh
2. Tea set, Sears
3. Michael Penney
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Al-Qaida Chooses New Leader
By Tom Gjelten
Ayman al-Zawahiri, the Egyptian eye doctor who long served as Osama bin Laden's deputy, has been officially chosen as al-Qaida's new leader. Zawahiri was already the group's operational commander and main spokesman, and he was widely expected to succeed Osama bin Laden. Some al-Qaida members have complained that Zawahiri is uninspiring and divisive as a leader, and terrorism experts say he will need to demonstrate that he can direct the terror network as skillfully as bin Laden did.


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Starbucks® Lustre Mug - Gray, 12 fl oz
We love the opalescent, pearly sheen on this classic-style coffee mug. Made of bone china, it features a tapered shape and a mirror-like shine that reflects other colors. Dishwasher and microwave safe.
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$11.95 / 12 count
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Comments about Starbucks® Lustre Mug - Gray, 12 fl oz:
The iridescence of the mug gives it more elegance.
The 12 oz size is perfect for after dinner coffee.
Comments about Starbucks® Lustre Mug - Gray, 12 fl oz:
These stained ceramic cups make for a wonderful addition to the home, and I never hesitate to pull them out when having coffee with company. Simple and elegant, great conversation starter and it really is the perfect fall cup because it fits well in the hand and something about the polish gives off a wonderful fall sheen. As a partner, I can't recommend this product enough, and indeed you'll have a tough time finding it in store since they sell out so quick!


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Jan 12 2009
I (Still) Absolutely Love L.B.
When I used to live in town—like, three centuries ago—I always thought all horses were alike. Not that I ever even thought of horses. I didn't, unless I walked past that girl in school who wore different "I Love Horses" t-shirts and shoelaces every day of her life. And then, yes…I'd think about horses. For two seconds, max.
Of course, I couldn't have known at the time that I'd one day love them too. And that I'd come to realize how wonderfully unique horses are.
As different as human beings are from one another, that's how different each horse is from the next.
There are funny humans, morose humans, grumpy humans, energetic humans, happy humans, mischievous humans, playful humans, gentle humans, wild humans, mean humans, and sweet humans. The same is true for horses. I'm more convinced of this every day I'm around them.
L.B.'s one of the sweet horses, by the way.
But you probably already knew that.
What kind of human are you?
Right now I'm a hungry human, which in about ten minutes will turn me into a violent human.
But after I eat, I'll be a contented human.
432 Comments
Karen On Monday, January 12 at 12:57 pm
What kind of human am I? Hyper right now because I just frosted some cupcakes for my son's 6th birthday tomorrow and of course, I had to taste it for quality control. Sugar high… okay, where were we?
Um, funny, artistic, lazy at times, quirky… at least that's what my husband says… compassionate, immature at times, know a lot about a little
Becky On Monday, January 12 at 12:57 pm
I used to sponser a child through Compassion years ago when I had discretioary income. I'm a single mom now and on a tiny income. I was a little disappointed to see a call for giving money on your site. I would if I could.
Great horse pics!
April On Monday, January 12 at 12:57 pm
I'm hungry too, trying to loose that inch and 1/2 off of my waist that I gained over the holiday's. Other than that I am pretty much an easy going, content, happy, mom, and wife. Ya that sums it up I guess.
Jemm from KS On Monday, January 12 at 12:58 pm
Depends on the time of the month!
Karen On Monday, January 12 at 12:58 pm
Dang, that's what sugar will do to you… meant to say I know a little about a lot…
Violet On Monday, January 12 at 12:58 pm
I am an adaptable, go-with-the-flow human with an obstinate streak.
I never went through a 'horsey' stage when I was a kid but, given the opportunity, I sure could go through one now!
Kate On Monday, January 12 at 12:59 pm
Ooooooh, I REMEMBER those shoelaces with messages – "I Love Horses", "I Love Rainbows" and other super cool things like that. Or the ones with pictures of things like apples or frogs – that would match your turtleneck that had apples or frogs. The turtlenecks you wore under your monogrammed sweaters. The sweaters you wore with corduroy knickers or walking shorts. Anyone? I hope this wasn't just me…
Pamela On Monday, January 12 at 12:59 pm
I'm a totally contented human… chowing down, er, thoroughly enjoying a box of truffles given to me by my brother-in-law. Yes, the whole.stinking.box.
Becky On Monday, January 12 at 1:00 pm
*discretionary* pardon the typo
farm girl On Monday, January 12 at 1:00 pm
Tired with a touch of grumpy. Tired due to sweet baby girl getting up at 3 am and taking forever to eat and grumpy because I miss sleep and food! Darn New Year's resolutions!
Erin On Monday, January 12 at 1:00 pm
I'm a tired, mildly cranky human. Who wishes she could have a perky, frisky horse to balance her out right now. I haven't been riding in years… I miss it!
And I swear, I didn't wear the "I <3 Horses" t-shirts in jr. high. I swear. *attempts to look innocent*
Ness On Monday, January 12 at 1:01 pm
If you had only shown me pictures of LB (and not told us what he was like) I would have told you that he has a very nice big kind eye. Don't ask my why, but as a rule of thumb, the bigger the eye, the kinder the brain. I have yet to meet a horse with large eyes that wasn't a total sweet heart.
Monie On Monday, January 12 at 1:02 pm
I always wanted a horse.
As a person, I would say that I am very content, and grateful for the blessings in my life.
beyond On Monday, January 12 at 1:02 pm
i am a mostly optimistic human. i get angry when i am hungry too!
Suzanne On Monday, January 12 at 1:02 pm
I am a sweet, joyful human that is craving good mexican food. (or good brisket!) L.B, has the sweetest face.. and there is real love looking back at you in those pics.
Pat in east TN On Monday, January 12 at 1:03 pm
I'm a happy/content human but some days I can be a difficult human. Women have the right to say that, right??? LOL
Love the horse pics!
Elisabeth On Monday, January 12 at 1:04 pm
I am a procrastinating human.
But I'm nice.
Sheila On Monday, January 12 at 1:04 pm
Oh Yea some people think all animals are "just" a dog or "just" a horse etc, and treat them but if you spend time and look into their eyes to connect with them you would change your mind….
Steffi On Monday, January 12 at 1:05 pm
Horses….I yet again am so jealous. I love horses. I used to take riding lessons….yes those prissy English style lessons…even started on dressage. I've also fallen off my fair share of horses…actually…the same horse. He didn't like me….he really didn't like me. The last time I dislocated my shoulder. I miss horses…but I don't miss torn ligaments.
Sigh. Do your children know just how blessed they are…I mean minus the having to wake up at dawn and work part
Janet On Monday, January 12 at 1:06 pm
I am a lucky human. I've always been blessed with the love and companionship of humans and animals throughout my life. You are so right about horses having different temperaments and 'personalities', and just like people, some of it they are just 'born with', huh?!
MichelleSG On Monday, January 12 at 1:08 pm
He must be one of those warm fuzzy horses, I love those ones! Well that and the patient ones, you'd have to be to let me try and ride on them. As for this human my hubby calls me spicy. And my daughter extra spicy. But you know it must be hard for a man to be the only slave in the household so I don't mind being called spicy. It could be worse, he could call me toxic seeing as how we'll probably drive the poor man to an early grave!
caren On Monday, January 12 at 1:08 pm
That is a beatiful horse. I tend to change by the minute. Mainly easy going but depends. Today I am a very sleepy human that ate too much lunch. Why was it that people thought we should give up naps when turned 4. Think how much better everyone would feel if they took a short nap every day.
Domestic Executive On Monday, January 12 at 1:08 pm
I think all the creatures in the world have their own personalities. Horses do have that human touch though! Great pictures, thanks for sharing.
mamajenny On Monday, January 12 at 1:10 pm
I couldn't imagine my life without horses. I would be so sad.
I agree…horses are so different from each other. I have some horses that are out of the same sire, or dam, and they are alike, but different. Just like my kids.
Yolanda On Monday, January 12 at 1:10 pm
Ree –
Good afternoon. I am a complicated human but I am trying to remedy that.
Nancy France On Monday, January 12 at 1:10 pm
I am a very ill person. I hate sneezinh, coughing and all that goes with them.
Liz On Monday, January 12 at 1:11 pm
I'm kind of a spastic human. I sometimes think they patterned Liz Lemon from 30 Rock after me, if that makes any sense.
snobound On Monday, January 12 at 1:11 pm
Beautiful photos as usual!
Misty On Monday, January 12 at 1:12 pm
Right now I am a tired human, and hungry too – I'll fix that real soon!! Mostly a content human too.
Tiffany On Monday, January 12 at 1:12 pm
God has blessed me beyond measure…now if He would just potty train my boy I would know peace.
Love your sky, makes me want to eat soup and curl up in a blanket.
Kendell On Monday, January 12 at 1:12 pm
Karen On Monday, January 12 at 1:12 pm
I am a funny, friendly, kind-hearted person!
austin goddess On Monday, January 12 at 1:13 pm
I think LB is flirting with you…look at that sly smile in the the fourth picture down!
Fig On Monday, January 12 at 1:14 pm
I am a sassy human.
Hey-Nana On Monday, January 12 at 1:16 pm
It's lunch time here and I'm a hungry, hungry, woman!
The Topiary Lady On Monday, January 12 at 1:16 pm
I'm a sad human today. I may have to stop homeschooling my 4 boys and go back to work. Sniff sniff.
I need a stay at home job….
Mary G. On Monday, January 12 at 1:17 pm
I am an all of the above human! Depends on the day and the situation. LOL I love Horses and wish I had one, but it would be kind of difficult in a townhouse.
Amanda On Monday, January 12 at 1:17 pm
I'm a creative person. I sew things, make cards, decorate, cook, photograph..
Tracie On Monday, January 12 at 1:18 pm
Today I'm a frustrated human. I am so frustrated with my kids today. They have been arguing and fighting all day, not just with each other, but with my neighbor's daughter too. I am frustrated that my son has yet another cold and that he won't fall asleep for his nap. Frustrated, yes that's me!
Cynnie On Monday, January 12 at 1:20 pm
I grew up in a small town in OK..I remember loving horses and being so unafraid..
now I think I'd have a stroke If i got near a huge horse..;(
Glass Dragonfly On Monday, January 12 at 1:20 pm
Lovely pictures! I am a caring, loving, silly but very quiet human.
lindalou On Monday, January 12 at 1:21 pm
How did LB gets it's name?
Annette in CA On Monday, January 12 at 1:22 pm
Right now, today I'm a praying human. My mom is stuck in ICU and I'm just trying to keep my mind busy and praying.
Kerry On Monday, January 12 at 1:23 pm
Beautiful horse! I am creative human.
catherine On Monday, January 12 at 1:24 pm
I'm an inquisitive, lazy, easily distracted, impatient, pensive, procrastinating but trying to be better, human.
Lauralee On Monday, January 12 at 1:25 pm
I'm cheerful, optimistic and content. At 64 years old this is a really good place to be.
Lydia On Monday, January 12 at 1:26 pm
I'm an in-over-my-head but works-well-under-pressure human!
Susan's Snippets On Monday, January 12 at 1:27 pm
PW – I am eating as I type to keep my "emotions" under control.
Horses still scare me…I think because they are so powerful and big.
rather ride a pig
Traveldoc On Monday, January 12 at 1:27 pm
I'm a mean human right now. That's partly because you're late with this post, and partly because I'm hungry enuf to eat a unique horse.
Kingsmom On Monday, January 12 at 1:27 pm
Unfortunately, I am an anxious human but I'm working on it.
mhb On Monday, January 12 at 1:27 pm
You know those horses who have a stable mate who's their favorite, and they get moody if that other horse or goat or dog or whatever isn't around? I'm that kind of human. And I'm lucky I get to share my stall with my best friend. So I guess I'm also a contented human. And a lazy human when I'm home, 'cause I'd rather lay around on the couch with my mate than do chores.
Ang On Monday, January 12 at 1:27 pm
I am a creative, organized, lazy, outgoing person, trying to get better.
I love love love love love the clouds in the pictures. They have so much character to them. Love them!!
Jan On Monday, January 12 at 1:28 pm
I'm a grumpy human because I can't find a job! Oh heck! Where did that come from?
I love LB! He has the sweetest eyes!!
TheCottonWife On Monday, January 12 at 1:28 pm
I'm sweet, optimistic and funny… but like most Southern girls, I have a dash of spice.
Jasie VanGesen On Monday, January 12 at 1:28 pm
I have to gush. This is only the second time I've commented, seeing as I've only been following your site for a few weeks now… but I LOVE reading you blog. You have become one of my heroes. You singlehandedly persuaded me to reconsider the idea of pulling my son out of school and homeschooling him next year. It's something I'd considered off an on over the years (he's 7 1/2) since I was homeschooled for 8th, 9th, and 10th grades. Both my son's father and his stepfather come from homeschooling families… so we're all quite familiar with the practice.
I also adore your cooking section and have prepared my own variation of the chicken stir-fry twice! Something I was always wary of making because I never felt I was doing it in the right order. Your step-by-step instructions with pictures have brought me out of my shell in the kitchen. I figure, if Ree can do it, and take lovely pictures throughout, the least I can do is follow directions and kick ass while doing it.
So I just wanted to thank you again for existing and inspiring me immensely!
Diane in Cincinnati On Monday, January 12 at 1:28 pm
I'm a restless human. Not really married any longer but not yet divorced. It's a strange place to be.
Norma On Monday, January 12 at 1:29 pm
I am a sleepy, bordering on the grumpy human today. All I want to do is take a nap, and I can't! Life is not fair some days.
Jasie VanGesen On Monday, January 12 at 1:30 pm
…And also, thanks for not judging my previous comment that was rife with careless typos. Gosh.
Katie On Monday, January 12 at 1:31 pm
I'm an approachable human. I think I'm pretty easy to talk to and I tend to run my mouth like its my last day on earth. Usually this puts people at ease. Sometimes it makes them want to poke me in the eye with a pencil. Its a toss up, really.
The Unconventional Doctor's Wife On Monday, January 12 at 1:32 pm
I'm a "probably showing early signs of alzheimers at the age of 32 woman." Or am I 31? I can't remember. And I can't remember where I put my stupid inactivated new credit card, so I'm also frustrated.
Lynn Dirk On Monday, January 12 at 1:33 pm
That girl in your school reminded me of myself. When I was in 2nd grade in Southern Calif. I took my jump rope to a near by oil field which contained about ten horses and I found the tamest one. I made a hackamore out of that jump rope and rode to my hearts content. The one area of life where I have never had any fear was around horses. I guess you could call me an animal human. Oh and just to warn you, DO NOT go see Marley and Me without lots of Kleenex and a big bottle of Afrin. I'm jus sayin'
Sues2u2 On Monday, January 12 at 1:34 pm
Right @ this very moment I'm a laughing my butt off women due to some church jokes I just read!
btw, I LOVE the new design on your home page. Now that the bugaboos are worked out it's soooo easy! Great job, Ree!
Jean S On Monday, January 12 at 1:34 pm
I'm for the most part nice and occasionaly bitchy
Domestic Goddess (in training) On Monday, January 12 at 1:35 pm
Right now I am a disgruntled human. Maybe some hay and apples or at least a nice ride would make it better!!!
Mamadallama On Monday, January 12 at 1:36 pm
I'm an 'in the mood to cook' woman today. Not all days are like that, ya know. Anyway, stuffed pork tenderloin with mushroom pan gravy, smashed red potatoes, cornbread and green beans are on the menu for dinner tonight. Sliced tomatoes if I don't feel like making a salad.
The horses are purty!
Joni-MI On Monday, January 12 at 1:36 pm
Horses are just plain beautiful, and so is your photography!
Tara On Monday, January 12 at 1:36 pm
I am a discontented human, lol… I am having to clean!!!!
Ree… You should meet my horse…
Tracy (Oklahoma) On Monday, January 12 at 1:37 pm
Happy, content human.
Jenn in AZ On Monday, January 12 at 1:38 pm
I am every one of those humans and more. I am very complicated today. Right now, I am the "I-will-find-the-source-of-that-terrible-stench-one-way-or-another human". And a ravenous one…not ravenous for stench, however.
I *heart* horses, too.
Heather E On Monday, January 12 at 1:40 pm
I am a sassy and sweet human…most of the time.
Michelle On Monday, January 12 at 1:40 pm
Right now, feeling like a played human, but otherwise a happy human.
Amanda On Monday, January 12 at 1:40 pm
Right now I'm a very annoyed human thanks to the Army. Love our gov't today – not.
Carol in NC On Monday, January 12 at 1:41 pm
We have two horses, one very serious and no nonsense, the other one, a barrel of fun. He loves to play, is very social and funny. I swear though, they can both read my mind.
Heathahlee On Monday, January 12 at 1:42 pm
I would probably be a persnickity horse, who was good depending on who was riding me. If I liked the person, I'd be good. If i didn't like them, I would be snippy and all sorts of bad. =)
SueZ On Monday, January 12 at 1:42 pm
I used to think, for most of my life really, that I was a laid-back, easy-to-get-along-with human. But guess what? All my kids are on anti-depression meds. What does that say about me? That I'm a bossy, controlling human?
Valarie in AL On Monday, January 12 at 1:45 pm
Right now I have LBSCBS so I am not very perky
Cal Gal On Monday, January 12 at 1:49 pm
I am a happy, busy human… I spent time this morning with my lovely horses. The QH got a bath because it's so hot today and she loves to look purty. Mr. Handsome Thoroughbred just got a good grooming so he'll look suave for the ladies (especially the purty QH!)
And now I really need a shower.
Brenda On Monday, January 12 at 1:52 pm
To Sue Z above: depression is a chemical imbalance in the brain, it is not something you gave your kids other than the fact that you gave them your genes. Be nice to yourself, you didn't do anything wrong.
I am a multifaceted human. I am always changing and hopefully always learning and growing.
I knew a horse one time that had the most mischievous personality. You could not be around him without laughing. He was always pulling pranks (or clothing or hair…) so adorable.
gabrielle On Monday, January 12 at 1:53 pm
Gorgeous photos! Your horse pics almost make we want to learn how to ride. Almost.
Charley Trafzer On Monday, January 12 at 1:55 pm
I agree with your horse comments! I had a loyal and loving pony named Jughead and a sweet and gentle palomino named Honeybee. Love horses! Always have – always will!
Sandy On Monday, January 12 at 1:55 pm
We lost our beautiful, sweet, silly Baron 2 weeks ago today and I still can't keep from crying every time I think about him. It is the loss of a family member.
I am also one of those who never thought twice about horses and now understand the uniqueness of individual horses. My daughter is still trying to get me to believe that about cattle, but I remain to be convinced.
liza On Monday, January 12 at 1:57 pm
I'm a human with a migraine brewing… and people all around me hollering my name. So, you could say I'm a human back to work on a Monday.
KimL On Monday, January 12 at 1:58 pm
I'm a friendly, usually optimistic, happy human who is trying to be a better person, and who prefers to see the beauty and good in the things around me (except for this darn sub zero weather we're having-can't see anything good in that lol). Right now, the sun is shining, which is making the snow sparkle and that's a beautiful and calming sight, so I guess there is something good in this sub zero weather after all!
Cate On Monday, January 12 at 1:59 pm
Monday. Grumpy Human.
Weekend. Playful, fun human.
Laura S On Monday, January 12 at 2:01 pm
It varies. Mostly, I am a quiet, content human. Sometimes, I turn into a grouchy, crying human, but that only lasts for a couple days each month. TMI???
Julie On Monday, January 12 at 2:04 pm
I am a funny,loving,sensitive, get things done sort of human.
Mrs Snelly On Monday, January 12 at 2:05 pm
I am the human thats comparable with the horse thats in the back, you know, the one thats 20-something, been-there-done-that, nothign shocks me, I just do my job and follows along the same way I always have. Maybe not exciting, but definately comfortable!
Megan W. On Monday, January 12 at 2:06 pm
After baking some delicious, chewy oatmeal cookies this morning, I am a content human. Just don't ask about our 642nd blizzard this winter, my dwindling bank account, or my parents' failing marriage…or content turns into somethin' you just don't wanna see!
Sandy On Monday, January 12 at 2:06 pm
Well, hmmmm, do horses change with age as some humans do? I think I've become a more patient, less stressed human as I've gotten older. I appreciate things and life more. But, if I were a horse and a heavy person got on my back, I would probably be a buckn' him off! or I would be one lazy horse!
AJ On Monday, January 12 at 2:12 pm
I'm a funny human, unless a hypocritical human makes me an upset human, then, I'm an emotional human and end up turning into a moody person. Eventually, I get over it and become a happy person!
Debbie from GA On Monday, January 12 at 2:12 pm
I am a very happy human right now. Our son and dil presented us with our first grandchild last night. We have a new grandson and if I say so myself, he is grand!
darla On Monday, January 12 at 2:12 pm
I,m a horse person , My Mom said Horse may have been my first word . My Grandmother promised me a horse for every event , but it was a no show every birthday or Christmas, BUT then my 16th birthday came and Mom suprised me with Sundance , she was a 16 hand quarter horse mix and the color of light butterscotch and she was a beauty and somedays like humans couldn't have been bothered . But she sure did light up my world .
Rachel from NJ On Monday, January 12 at 2:12 pm
I <3 that girl, the little one, sitting on LB today and chair yesterday. Man alive I would like to adopt her please.
Jennifer On Monday, January 12 at 2:14 pm
I am currently a cold human…brrrrrrrr. I'm just wondering what kind of horse L.B. is that makes you love him? What is it that makes him special? I can see that he is a beautiful horse!
Anonymous On Monday, January 12 at 2:15 pm
Like you, I'm also a hungry human especially after reading the recipe for steak bites!
Tara B On Monday, January 12 at 2:15 pm
Right now I'm a cold human! Its 15 degrees outside! (And not much warmer inside! JK! Its 58 inside…)
Ellen F. On Monday, January 12 at 2:17 pm
I'm a homeschooled-freak human.
Mary On Monday, January 12 at 2:19 pm
I'm a procrastinating human … your blog is a lovely way to procrastinate!
Texnana On Monday, January 12 at 2:19 pm
Well, someone in a meeting just a bit ago told me I was pragmatic. So, I must be a stupid human, because I had to look it up. Depending on which definition she meant, that could hurt! I'm either a pratical, fact-oriented person, or I'm a bossy busybody. Ouch, ouch!
Beth B. in Michigan On Monday, January 12 at 2:21 pm
I'm a tired cancer-fighting human today. Normally, I'm OK, but today's an off day.
Love your pics, as usual!


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GR Auto Gallery is pleased to present this 1982 DeLorean DMC-12 for purchase. Perhaps the most recognizable car ever produced is the De Lorean... More
1982 DeLorean DMC '82 DeLorean DMC with an amazing 121 original miles. Shown here in black with grey interior and equipped with an automatic... More
1982 De Lorean Delorean Back To The Future !!!The DeLorean sports car was originally built in Northern Ireland and was intended for the US... More
DeLorean Motor Company Florida Founded in 2004 as the first franchise of the new DeLorean Motor Company based in Houston, Texas. This is where the very first DeLorean... More
Very very clean example of a DMC-12. This meticulously maintained California car is perhaps one of the cleanest we have ever received in our... More


text:
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By Christopher M. Cobb, Esquire
Competition is the rivalry among sellers trying to achieve the objectives of increasing profits, market share, and sales volume by varying the elements of the marketing: price point, product identity, distribution levels, and promotion. Merriam-Webster defines competition in business as "the effort of two or more parties acting independently to secure the business of a third party by offering the most favorable terms." Sometimes those two competing parties push the boundaries of fairness and even cross it.
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Book Depository BlogRSS
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My top 10 nonfic
Mon, 04 Jul 2011 08:17
It's Discovery week here at our Summer festival. Here's my pick of a top ten. What's your discoveries?
What is History because it tells you how to read history. You'll never read a history book in the same way again. The Braudel because it is one of the finest histories you'll read. The Freud because he was the most influential figure of the 20th century and fundamentally changed the way we see ourselves. The Marx biography because it's a brilliantly accessible introduction into his thinking without being weighed down by all the bogeyman nonsense. The Barthes because you'll never look at a toaster or a laptop or a tennis match or anything in the same way again. The Benjamin because it deals with what is authentic, in every respect. The Banham because for me, Los Angeles is the most complete city in the world. The Tufte because it is one of the most beautiful books ever produced as well as one of the most challenging in our visually literate age. The Riefenstahl because of the incongruity of reading one of the most extraordinary lives of the 20th century in all its glory and horror whilst on a palm fringed beach in the South Pacific. The Hopkins because it reminds be of being 16 again. But mostly, because all of these discoveries opened so many doors for me that I am forever in their debt.
Posted by Adam
Categories: fiction, ten, week, top, Discovery, non
Permalink: My-top-10-nonfic
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The Tragedy of Duck Face Syndrome
You know how your mother told you that your face would freeze like that? How wise she was!
It starts simple, with just a little Duckface here and there, and before you know it, it's taken over. And once you've crossed a certain line, you're permanently affected. The horrible scourge of Duckface Syndrome is sweeping through a generation of young women. Has it affected anyone you know? You can tell them over and over, "If you do this, you look like an idiot," but in some cases, your words fall on deaf ears. Please, won't you help us find a cure? -via Daily of the Day
Newest 2 Comments
If this was true, it'd actually be really sad if people still did it.
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I challenge all over-40 people to start posting duckface selfies as much as possible. This should kill the hipness of it as quickly as it using goofy slang does. [I personally killed "Off the chain!" in my workplace by using it less than five times around youngsters. It felt good.]
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text:
5 injured after pursuit ends in crash in Paradise Hills
Crash occurred on Rancho Hills, Reo drives
SAN DIEGO - Five people were injured Tuesday after a pursuit ended in a crash in Paradise Hills.
The incident started at about 6 p.m. on Calle Gaviota when police officers spotted a green Honda that had been reported stolen.
According to San Diego police Lt. Mark Bennett, the owner of the Honda reported he saw the teens stealing it. The owner jumped into another car and followed the Honda for several miles until a patrol car arrived.
"As they were pulling up behind it the vehicle sped away," said Bennett.
Officers tried to pull the driver over, but the driver did not stop and collided with a white SUV near Rancho Hills Drive and Reo Drive.
Bennett estimated the Honda was going about 60 miles per hour when it slammed into the white Ford Excursion.
Sandra Cabral pulled into her driveway just seconds before the crash.
"It could have been me," she said. "It could have been one of my nephews. It could have been any kid in the neighborhood."
The Honda's three occupants – who were 18 and 19 years old – had to be cut from the wreckage.
Inside the SUV were a mother and her two children, a 13-year-old and an 8 year-old. The children were taken to Rady Children's Hospital with minor injuries.
Three other people were transported to Scripps Mercy Hospital with major trauma.
The driver of the Honda will be charged with felony car theft.
Both Cabral and police say it was lucky no one was killed.


text:
What is the effect of the caesura in the poem "'Out, Out--'"?
Please include a summary of the poem, the definition of caesura, and please include links for notes. Please answer asap needed for tomorrow in summer school.
1 Answer | Add Yours
For a definition and discussion of caesura, see the link below.
Your question has been answered in an earlier post. See the second link below.
Finally, the third link will take you to a summary of Frost's poem.
Join to answer this question
Join a community of thousands of dedicated teachers and students.Join eNotes


text:
Nguyen Named Director of Sports Nutrition
She will preside over all aspects of the Wolfpack sports nutrition program
Sherard Clinkscales joined the NC State Department of Athletics in July 2011 as an Associate Director of Athletics and was promoted in January 2012 to Senior Associate Athletics Director for Student Services and Sport Administration.
He currently serves as the chair of the NCAA Committee on Sportsmanship and Ethical Conduct. In the summer of 2013, Clinkscales attended the prestigious DIA Athletics Directors' Association Athletic Directors' Institute, a "by invitation only" gathering of the most talented intercollegiate professionals.


text:
Cast: Zoa Morani, Giselli Monteiro, Ali Fazal
Producer: Gauri Khan
Director: Roshan Abbas
Writer: Ishita Moitra
Release Date: 17 June,2011
Storyline: Always kabhi kabhi is a 2011 hindi romance film directed by roshan abbas, and produced by shahrukh khan and zain under red chillies entertainment. it introduces ali fazal, along with giselli monteiro while zoa morani, satish shah, lilette dubey, vijay raaz, mukesh tiwari and manoj joshi play supporting roles. the film released on 17 june 2011. it focuses on four teenagers embarking on a dramatic journey during their incident-packed final year at school.See full storyline Read on Wikipedia
Always Kabhi Kabhi : Photos
Always Kabhi Kabhi : Cast
Cast overview


text:
A method and system for online binding of insurance policies uses a data processing system to collect information from a user who is seeking a policy, issues queries to various databases to collect information on insurability in real time, weighs and analyzes the information and rates the user as to acceptability, and if acceptable, proceeds upon acceptance by the user, to bind the policy. The system sets premiums, determines payment methods and schedules and enables immediate printing of insurance documents such as insurance identification cards.
1. A method for on-line binding of insurance policies comprising:
providing a data-processing system having means to communicate and query a plurality of databases;
providing a user-interface accessible via the Internet, the interface connected to the data processing system;
querying a user who is seeking an insurance policy for information related to insurability via the user-interface, the information received by the data processing system;
analyzing and issuing queries from the data processing system to select databases for verification and supplementation of the user supplied information, and retrieving information therefrom;
comparing the user information to the retrieved information from the databases, weighing the information as to risk and determining whether the user is qualified to be insured;
advising the user if the user is accepted, and if accepted, presenting an input interface for allowing the user to agree to accept a policy and generating a binding insurance agreement, and if not accepted, advising the user to contact a representative for further inquiry.
2. The method of
3. The method of
4. The method of
5. The method of
6. The method of
7. The method of
8. The method of
[0001] This application claims priority in U.S. Provisional Patent Application No. 60/238,089 filed Oct. 4, 2000.
[0002] This invention relates to data processing systems and more particularly to a data processing system accessible online via the Internet and having means for automatically qualifying applicants for issuance of insurance policies, and for binding such policies, on-line.
[0003] It is known in the insurance industry for a representative to create an insurance agreement or policy based on information obtained from a prospective insured. An insurance rate is calculated based on the information provided by the applicant relative to the coverage sought. Generally, while a non-binding quotation may be obtained in a relatively short time frame based on the information provided, it is typically necessary to validate the information provided before a policy can actually be issued and because of the investigation required, it has not been possible to bind an insurance policy without delays of days to weeks.
[0004] It is an object of the present invention to provide a method of automatic, real-time binding of insurance policies to qualified applicants on line.
[0005] It is another object to provide a system using data processing means and communication means to provide automatic verification of information provided by the applicant to evaluate the insurability of an applicant.
[0006] It is a further object to provide a system which provides automatic online binding of insurance policies after computer verification and analysis of the information.
[0007] These and other objects of the present invention are achieved by a method comprising providing a data-processing system having means to communicate and query a plurality of databases; providing a user-interface accessible via the Internet, the interface connected to the data processing system; querying the user for information related to insurability via the interface, the information received by the data processing system; analyzing and issuing queries to select databases for verification and supplementation of the user information; comparing the user information to the retrieved information from the databases, weighing the information as to risk and determining whether the user is qualified to be insured such that the data processing system then advises the user if the user is accepted, allowing the user to agree to accept a policy, and if accepted, generating a binding insurance agreement. If the user is not qualified automatically, the data processing system refers the user to a representative for further inquiry.
[0008] Using a data processing system in real time communication with various databases such a those containing motor vehicle records, credit records, etc., a real time assessment can be made of the qualification of the applicant for insurance. Based on the information provided, compared and/or supplemented by information received from the selected databases, an analysis of risk is determined by the data processing system such that the applicant may be accepted and a binding insurance agreement issued immediately upon confirmation of his qualifications and upon agreement to pay the premium. In a preferred embodiment, the data processing system generates the premium required based on the analysis, and therefore the entire process can be automated, allowing for insurance to be obtained in real time 24 hours per day/7 days a week. Where the applicant is deemed to lack the proper qualifications, for whatever reason, the applicant is automatically referred to a representative, who may seek additional information or offer alternative coverage. Use of such a system will significantly reduce the time required to bind an insurance agreement and reduce the costs associated with providing insurance.
[0009]FIG. 1 is a view of the proposed architecture for the system of the present invention.
[0010]FIGS. 2a-2 e is a high-level flow chart which depicts the sequence of steps associated with the creation of a binding insurance agreement using the data processing system in accordance with the present invention.
[0011]FIG. 3 is a view of the system architecture.
[0012] With reference to FIG. 1, a data processing system utilizes a server for communication with a plurality of users via the Internet. The data processing system has incorporated therein an online policy binding application, a communication interface, for communication with a plurality of remote databases via internet, intranet direct modem or ISDN link or other means, data storage capability sufficient to maintain internal databases and related information retrieved and to save data received from applicants as well as information related to the various policies that may be offered through the system.
[0013] The online binding application is a web application that provides a user interface and all functionality to enable an applicant to bind a policy online. The application includes logic that enable analysis and evaluation of the information provided by a user so as to determine whether a policy should be issued and optionally further derives the premium related to the degree of risk associated with the user.
[0014] The information is collected from the user first typically via a quotation process, where information is collected and sorted in the server database which also maintains additional data required to support both the quoting and binding process. While the quotation process itself has been known and used, the ability to bind an insurance application on line has not been available previously and consequently the following description will, while describing both the quoting and binding processes as they are interrelated, relate more specifically to the binding process which is the subject of the applicant's invention.
[0015] The communication interface allows access by the data processing system to local and remote sources of information, as required, for obtaining, for example, motor vehicle reports, comprehensive loss underwriting exchange reports, credit reports, title records, etc and information related to payment processing, for example, if done by a credit card or electronic funds transfer. Preferably, the data processing system may be located on a mainframe which is capable of performing all batch processing which supports the system thought this could as well be provided by distributed processing on multiple networked computers.
[0016] As an overview, the applicant's invention is a system which simulates a form of artificial intelligence utilizing the processing system to determine whether an applicant can be insured online, and if so, derives the premium and binds the policy, in an automatic fashion. The user inputs all relevant information based on their personal information and as the information is read by the data processing system, the system in an automated fashion begins the process of retrieving data from databases associated with the input data, such as obtaining a credit report, claims history, and motor vehicle report for the individual(s) named on the policy application. This data is collected and stored possibly in the server database or mainframe database or may be stored in another location. The application software includes an underwriting algorithm that analyzes the data after verification and utilizing the underwriting algorithm in comparison to a set of business rules, renders a determination as to whether the applicant is qualified to receive a binding policy online. An important component of the system is that it undertakes an automated intelligent process of retrieving credit information, claims history information, and motor vehicle reports for each and every individual sought to be included on the policy in real time so as to allow the underwriting algorithm to be applied to determine the insurability of the applicant. The application software then evaluates risk and determines whether or not the person may be insured automatically as well as the premium associated with that risk evaluation.
[0017] This evaluation can be made in real time by comparison to data tables incorporated in the database located on the mainframe system so that at various decision points there is a go/no go determination of insurability, with reference to specific cut-offs for insurability and premiums. For example, more than two violations in 3 months, may result in a rejection and halt the process while 3 violations in 4 years may not and the process would continue.
[0018] The system will operate via a user interface which in essence is a web site connection where the user will encounter various web pages requesting information first for determining whether they would like to receive a quote, and if so, they are prompted via further web pages, possibly with assistance from drop-down menus, to enter their name and address information as well as other information necessary for determining the type of policy which they are seeking. In one embodiment, once the address information is validated, the user is queried as to their claims and violations history, and vehicle information. This can be further facilitated by the use of various drop-down menus as to vehicle make and model so as to speed the process. Once the formation is completed, the user may activate a submit button to receive an estimated quote. The quote is generated as a non-binding offer subject to validation, so as to speed the quotation process. If the quote is believed satisfactory, and the user wishes to purchase a policy, the applicant is invited to active a purchase button to continue the process and thereby to enter into the binding procedure. Alternatively, the quote may be saved, so the user has an opportunity to consult other sources before returning to the site to actually purchase the policy. At that point, the user may recall their saved quote, retrieved using an established user name and password.
[0019] To enter the binding process, the user must enter a social security number and once entered, the application software activates the interface communication links so as to link to the various databases necessary for obtaining and collecting credit information, motor vehicle and claims reports and other related information as needed, so as to validate the information previously submitted by the applicant and complete the analysis of insurability.
[0020] The enclosed FIG. 2 shows the functional flow diagram indicating a preferred sequence in which the processing steps will be taken. In essence, the data after validation and supplemental collection from the queried databases is utilized by the application software to determine whether to bind the user on-line or refer them to a call center where further questions and/or information may be required prior to issuing the policy. If the algorithm is run and there
[0021] are no discrepancies in the information provided, and the user meets the business rules as applied to the information collected, the user will be automatically qualified and be entitled to purchase a policy. The user then is presented with payment options, and may choose a full or partial payment plan and select a method of payment. The user will have the option to electronically pay for the policy via credit card or electronic funds transfer and if paid online, the policy forms may be electronically sent to the user. For example, should the user specify payment via credit card and the payment is authorized by the credit card issuer, the user may then immediately generate selected insurance documents for downloading or printing at the local terminal. These may include for example, temporary insurance identification cards, a policy summary etc. The data processing system will simultaneously automatically generate any other legal documents associated with the policy for mailing to the user to confirm the on-line transaction.
[0022] Utilizing the present invention, the user may obtain a policy on line in real-time, without the significant delays normally associated with dealing with agents who have to collect separately the validation information, send it to underwriting, etc. all done in a substantially manual fashion. As the system is automated, human intervention is only required when the user enters parameters which raise questions concerning insurability and/or discrepancies arise between the information provided and that retrieved from the various databases in communication with the system. Even in that instance, the data processing system having completed the primary analysis and data collection, automatically provides a report such that the contacted representative has available immediately the complete assessment as well as an indication of the open issues that need to be addressed, thus avoiding further delay when discussing the policy with the user.
[0023] Thus a method for binding insurance policies via a computer network is present, the network including a main computer having a memory and a data storage capability coupled via a communication interface to a plurality of databases, the method comprising the following steps performed by a data processing system i.e. computer, presenting an interactive display via a network to a user; accepting personal information from the user via the network; analyzing the information and presenting a quotation to the user for the insurance policy; accepting a request to issue a policy to the user; querying the user for information related to insurability via the interface, the information received stored on the data processing system; requesting information on insurability via a communication interface from selected databases related to the information provided by the user; analyzing the data and determining in reference to a set of business rules whether or not the user meets an acceptable insurability level relative to the policy sought and if so, generating a response that accepts the users' request for a policy; and, upon an indication that payment will be submitted, thereafter binding and issuing the insurance policy to the user.
[0024] In a preferred embodiment, the computer processing system also determines, relative to degree of insurability, a premium for payment by the user and if accepted, the data processing system further has means to accept payment by credit card and/or by electronic funds transfer, so as to enable instantaneous binding of the user upon receipt of payment. At that point, the user may be provided online with specific documents associated with the policy, such as a temporary ID card so that the user may benefit immediate from the ability to bind the policy online.
[0025] Alternatively, if the user fails to meet the insurability requirements and/or submits data that is necessary to form performing analysis, the data processing system automatically routes the user to a call center where any further questions can be asked and clarification made of the parameters that caused rejection of the application. However, as all the information provided by the user is available to the person who is manning the call center, the person will have immediate access to the information that has been provided to date and know with specificity what deficiencies there are in the application that need to be addressed. Consequently, the system incorporates means for initiating contact with the call center and for providing information to persons manning the call center so as to facilitate issuance of the insurance policy.
[0026] The system is more fully described in the accompanying on-line policy binding functional specification associated web pages which illustrate the pages which will be viewed by the user and the logic diagram which shows the functional flow likely to occur.
[0027] Anyone with a compatible browser and an Internet connection is a potential user of the system, as he online binding system will be integrated into a web site and work in conjunction with a quoting portion of the web site. Users may not bind a policy without first having been through the quoting process.
[0028] The online binding application is a web application that provides a user interface and all functionality necessary to enable an applicant to bind a policy online. Business logic that comprises the binding process is contained within the application or is accessed from an external source (such as OASIS or the mainframe) by the application. The COBOL OASIS application will be utilized by advisors in a call center. OASIS may additionally access the mainframe through a separate interface program.
[0029] Information collected from the quoting process is collected and stored in a SQL Server database. The SQL Server also maintains additional data that is required to support both the quoting and binding processes. Information such as Account Master, Bill Plan, State Master, Thompson data and leasing company information is maintained in the SQL Server database. All communication with the host from the web environment will be accomplished through an interface program. Access to the host is required for obtaining MVRs, CLUE reports and credit scores. Payment processing (credit card and EFT) and policy creation, as well as policy document generation, require communication with the mainframe.
[0030] The mainframe maintains the core of the business data. All batch processing that supports the system (as well as other systems) is performed on the host.
[0031] A social security number (SSN) is required to perform a credit check. Users will have the option of providing a SSN early in the quoting process. If provided, a SSN allows a credit score to be obtained for the individual, which can then be used to identify an 'at-risk' customer. If a user's credit score is not above a given score, then any provided information is stored in the database and the user is instructed to contact an advisor.
[0032] Credit scores are obtained from an external vendor such as ChoicePoint, which uses its own algorithm to validate the provided name with the SSN—no further verification is necessary. Customers who do not disclose a SSN will still be allowed to continue with the quoting process, but a SSN will be needed before binding can be completed. The user will be required to enter the SSN twice to ensure validity and accuracy. This may be accomplished through a pop-up box.
[0033] If the user provides a SSN and no credit score is obtained from the supplied information, a credit score of zero (0) will be used. In some states, such as California, a credit check may not be done, and in such a case, users will not need to enter their SSN. If the user does not supply a SSN in order to run a credit score, a default credit score of six-hundred (600) is used.
[0034] The 'Date First Licensed' needs to be obtained in the quoting process. This information is a required field during quoting. The information supplied by the user is later verified against the MVR. States are grouped into three categories:
[0035] States that list probationary date licensed
[0036] States that list renewal date licensed
[0037] California
[0038] For states that list probationary date licensed, the user is queried—"Have you been licensed for at least five (5) years?" If the user answers NO, he/she will be required to answer the following question—"What year were you licensed?"
[0039] For states that list renewal date licensed—(same as above for states with probationary date licensed).
[0040] For CA, the query would be—"How old were you when you received your license?"
[0041] Users who complete a quote (or who save a quote prior to completion) are given a quote reference number that can be used to access the quote at a later time. The system will give users the opportunity to choose a user name and a password that will be used when recalling a quote. These passwords can be used to allow customers access to their accounts.
[0042] Once a quote has been processed and a premium has been generated, the customer would be able to modify any quote information, not just coverage and deductibles. Providing this feature allows the user to simulated 'What-If' scenarios during the quoting process rather than in the binding process.
[0043] The last page in the quoting process displays the user's current coverage and deductible selections (or the defaults if the user has not selected any). As an enhancement, this last page may display a declaration summary page, including coverage, deductibles and a quote summary.
[0044] From the summary page, the user is allowed to return to the coverage and deductible assignments in order to recalculate a premium. Users who wish to bind a policy online must have completed the quoting process. Binding can be performed immediately after quoting, or it can be done at a later date. If binding is not done at the same time as quoting, the user's previously created quote must be recalled, using the username and password that were chosen earlier to recall the existing quote.
[0045] Upon recalling a quote and entering the binding process, the user is directed to a quote summary page. The quote is recalculated and the summary page is displayed. If the quote was saved prior to ever being rated at least once, the user will instead be directed back to the first page of the quoting process. The quote will be re-rated using the current date as the effective date. The quote summary page will not be displayed if the user is entering binding directly from the quoting process. When recalling a quote, an option is available to have the system provide the user with a hint, if a user forgets the password or the user will be instructed to contact the call center. Once a quote has been successfully recalled, a screen is displayed, informing the user that the SSN, VINs and other information will be required to complete the policy.
[0046] The process of binding online consists of confirming all the existing information that was provided for the corresponding quote, as well as providing additional, required information. Information that was provided during the quoting process is redisplayed to the user for confirmation, and any additional information is requested.
[0047] If changes need to be made to a quote during the binding process that are not allowed at this stage, the user will be returned to the corresponding quoting portion of the quotation process. All information is retained but the user will be required to sequentially complete the quote from the quote page to which he/she was redirected. Once the quote is complete the user will begin the binding process over again from the beginning (all information that was previously entered will be retained).
[0048] Personal information is redisplayed to the user for confirmation. Additional fields that were not required during the quoting process are necessary for completing a valid policy. The user will be required to enter the SSN twice to ensure validation and accuracy, unless the use has already provided a SSN. If the applicant has been at the current address for less than five (5) years, then the user should provide up to two additional addresses (maximum of three (3)—current plus two (2) additional). These addresses are used when submitting a request for a CLUE report.
[0049] An Operator Information screen displays data about the vehicle operator(s) that was captured in the quoting process. Up to four operators can be specified on a policy. Users wishing to include more than four operators on a policy need to contact an Advisor in order to complete policy binding.
[0050] Data about each vehicle listed on the policy must be gathered. During the binding process, the vehicle information is redisplayed for confirmation from the user. At this point the user can change any information, as well as add or remove vehicles from the policy. The vehicle screen(s) capture the operator assignments. Default operators will be recommended but may be changed by the user. No more than four vehicles can be included in an online policy, and required fields must be provided before the user can proceed.
[0051] If the VIN provided by the user does not match the make, model and submodel selections made in the quoting process, the user will be prompted to re-enter the VIN. If a discrepancy still exists, the appropriate vehicle model, submodel and discount information will be overwritten based on the VIN lookup and the user will be notified.
[0052] Default operator assignments will be determined by the system. The user has the option of changing the operator assignments. If any vehicle has a garaging location zip code that is different from the policyholder's zip code, then the user will be instructed to contact the call center.
[0053] If a vehicle is leased or financed, then additional information is required about he leasing company. The user is able to choose the lending institution from a drop-down list. If the user's lending institution is not available, then the user can add a new financial institution by providing the necessary information. The information entered by the user is then stored in the database.
[0054] Coverage information from the quoting process is displayed to the user for confirmation during the binding process. At this time, the applicant may choose to change his/her coverage. Coverage that is available varies by state. Stacking coverage is mandated by individual states as well. All state specific information is stored in a LIMITS file (what coverages are available for each state, the coverage amounts for the available limits, etc.). This file only contains coverage and limit information for the basic ten coverages (BI, PD, MED, PIP, UMBI, COMP, COLL, TOW, RENT, UMPD). Information about which states allow stacked coverage (and what coverage it is allowed on) may be stored in a file or database (hard-coded).
[0055] Deductibles assigned in the quoting process are displayed to the user for confirmation during the binding process At this time the applicant may choose to change his/her deductible information. Deductible amounts are configurable for each vehicle listed on the policy. Default coverage is assigned to any new vehicle added to the policy.
[0056] The available deductible amounts will vary by state. All state specific information is stored in a LIMITS file (deductibles are available for each state, the deductible amounts for the available deductibles, etc.). Additional deductible limits are not stored in the LIMITS file and are hard-coded.
[0057] Once the applicant has provided all of the information for the policy and has assigned coverage and deductible information, the Start Date of the policy must be set. The Start Date must be at least 24 hours from the time of binding but no greater than sixty (60) days from the current date. If the current time is 12:00 p.m. (noon) or earlier, then the minimum Start Date is the current date plus one (1) day. If the current time is after 12:00 p.m. (noon), then the minimum Start Date is the current date plus two (2) days. The End Date is always one year from the chosen Start Date and is not editable by the user.
[0058] If the user provided a SSN during the quoting process, a credit score was already obtained. If a SSN was not provided during the quoting process, then it was obtained during the binding process and will be used to obtain a credit score. The applicant's SSN, first name, last name and address are used to obtain a credit score. The credit score is obtained in real-time from an external vendor. A request is made to the mainframe and the mainframe communicates with the external vendor to retrieve the credit score. If the credit score does not meet the minimum score requirements, then the user's policy information is saved to the database and the user is prompted to contact an Advisor for further assistance.
[0059] In the quoting process, if the user indicates that more than one accident or claim has been filed in the past five (5) years, the user will be required to provide detailed information about each claim. This information is saved and used later for validation against a CLUE report. All required information must be provided for each claim that the user indicates. The Driver for each claim must be one of the drivers on the quote. The accident description must be one of the predetermined descriptions.
[0060] Available Accident Descriptions:
[0061] Applicant's vehicle hit other vehicle
[0062] Applicant's vehicle hit tree, pole, parked car or other fixed object
[0063] Applicant's vehicle hit pedestrian or bicyclist
[0064] Applicant's vehicle hit by other vehicle
[0065] Applicant's vehicle was hit while parked
[0066] Applicant's vehicle was vandalized or stolen
[0067] Applicant's vehicle hit animal
[0068] Applicant's vehicle was damaged by hail, snow, rain, etc.
[0069] At-Fault Accident (Generic)
[0070] Not-At-Fault Accident (Generic)
[0071] All claims are reported during the quoting process. The binding process will only verify information that was entered during the quoting process. To make any changes to the claims, the user must return to the quoting process.
[0072] To accurately create an automobile insurance policy, a background check of the applicant's insurance claims must be performed. These CLUE reports are obtained from an external vendor and detail a given applicant's comprehensive losses and insurance claims. From the web environment, a call is made to the mainframe, which in turn communicates with an external vendor to receive a CLUE report in real-time. A decision about a potential policyholder's risk can be made after examining a CLUE report. If the CLUE report does not meet the criteria set forth by the business, any information that has been provided is saved to the database, and the user is prompted to contact an Advisor.
[0073] A single CLUE report is run for the entire policy. All addresses that the named insured has lived at in the past five (5) years need to be collected and used for obtaining the CLUE report, with a maximum of three addresses allowed [current plus two (2)].
[0074] Detailed information is required for each violation that the user indicated early in the process. The number of violations is required for each driver that is to be included in the insurance policy. All required information must be provided for each violation that the user disclosed. The Driver for each violation must be one to the drivers on the quote. The violation description must be one of the predetermined descriptions.
[0075] Available Violation Descriptions:
[0076] Speeding 1-15 MPH over the posted limit
[0077] Speeding 16-29 MPH over the posted limit
[0078] Speeding 30+ MPH over the posted limit
[0079] Failure to stop
[0080] Failure to fasten seat belt
[0081] Driving under the influence/Driving while impaired
[0082] Other
[0083] All violations are reported during the quoting process. The binding process will only verify information that was entered during the quoting process. To make any changes to the violations, the user must return to the quoting process.
[0084] Similar to the CLUE reports, MVR reports are obtained from external vendors that detail a user's motor vehicle violations. These reports are used to determine the potential risk of an applicant. States fall into one of two categories: real-time MVR or batched MVR.
[0085] Several states provide access to real-time MVRs. The reports are available immediately for perusal by the policy binding application. The web environment calls the host which in turn contacts an external vendor (TML) to obtain an MVR for a given license number. If an applicant does not meet the criteria set forth by the business, the applicant's information is stored in the database and the applicant is prompted to contact an Advisor for further assistance.
[0086] States with batched MVRs will not be allowed to bind online initially. Users from a batched state should be notified prior to the binding process that they must call an Advisor if they wish to bind a policy. All operators on a policy need to be checked. If any of the additional drivers on the policy have a license from a batched state, the policy will not be able to be bound online. Some states do not support access to real-time MVRs. These states receive requests and then process a batch of requests rather than one request at a time. ChoicePoint is the external vendor that provides the batched MVR results. If states with batched MVRs are supported in the online environment, the applicant's from these states must be notified that their policy binding is pending the MVR results.
[0087] The rating and tiering logic uses all pertinent information supplied by the applicant to calculate a premium for the policy. Certain conditions that are handled in the rating process may required the premium payment to be paid in full. Individual amounts for each coverage and deductible option chose are returned for the rating/tiering calculation.
[0088] Upon completion of the rating and tiering process a policy summary is displayed to the user. The user can accept the terms of the policy and proceed to payment, or the user may modify the policy coverage limits, deductible amount or the Start Date. Any changes will require the policy to be processed by the rating and tiering engine, which then displays a new summary page.
[0089] Payment information must be selected and processed in order to complete the binding process. Different payment plans are available on a state-by-state basis. If applicants are not required to pay in full they may choose the preferred payment plan. Each payment plan will show the proper installation payment amount (returned from the rating/tiering logic). A payment plan must be selected. The initial payment amount text box is automatically pre-filled when a payment plan is chosen by the user.
[0090] Policy payment is completed by selecting a payment method and supplying the required information for that payment method. Only two payment methods will be available online:
[0091] Credit Card (Master Card, Visa or Discover Card, etc.)
[0092] Electronic Funds Transfer (EFT)
[0093] At this point, the information entered by the applicant exists only in the web SQL database, not on OASIS. Three steps are required to turn the information collected into an actual policy in OASIS. First, once all information have been processed and verified, it is sent to the host to be saved as a quote in OASIS. Second, the appropriate external vendor then processes the payment for authorization. Third, upon payment authorization, the host creates and saves a policy in OASIS.
[0094] The policy number is returned to the user. A policy will not be created if payment is not authorized. All information is sent to the host to create the policy. Policy numbers are generated by the mainframe and will use the existing algorithm for generating policy numbers.
[0095] Once the policy has been bound online and created on the host, policy documentation needs to be made available to the new policyholder. Existing process on the host will send the information to the composition server, which will generate all of the proper documentation to be sent via postal mail. A separate request from the web environment will cause certain documents to be generated in PDF format and stored in a temporary directory. These will be made available to the online user (via email).
[0096] Users will be able to choose which documents they wish to be made available immediately. These include:
[0097] Temporary ID cards
[0098] Declaration pages
[0099] Loss Payee/Additional Insured Letters
[0100] CARCO Inspection form
[0101] These documents may be provided in a PDF format. A link to the Adobe Acrobat web site can be made available from the online binding site in order to download the free Acrobat Reader™ for users who do not have this software. (Acrobat Reader™ is required to read documents with the PDF extension.) A list of all documents that will be sent to the user via postal mail, and which forms are required to be completed and returned, will be displayed to the user.
[0102] Temporary ID cards are available for download by the insured. Additional documents may be made available online, such as:
[0103] Cancellation Letters to predecessor carriers
[0104] Driver Exclusion (CA only)
[0105] Driver Fitness form
[0106] UM Waivers
[0107] EFT Authorization
[0108] Seat Belt Pledge
[0109] GA Good Student form
[0110] The user may choose the method for obtaining the requested online documents. Options include:
[0111] Email documents to user
[0112] Immediate download (warn user of time for download)
[0113] Fax documents through FaxQuote
[0114] While preferred embodiments of the present invention have been shown and described it will be understood by those skilled in the art that various changes or modifications could be made without varying from the scope of the present invention.
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At Azure we are a company known for being specialists in importing and marketing in a variety of products since we deal with a particular expertise in trade with suppliers around the world. We offer our customers new and innovative items that may assist and respond to different marketing strategies, promotion and advertising of local and regional companies and can help your company export goods trade to send and distribute their products from any country in the world to Bolivia. Our company is characterized by the labor force and broad vision that we have for the future; it is constructed and complemented with European multinationals, American and Latin American, which gives us advantage over our competitors.
|Company Name
|Azure Trading Association
|Business Type
|Buying Office, Agent, Distributor/Wholesaler
|Main Products
|Agent,Distributor,Wholesaler,Government Introductions
|Total No. Employees
|Fewer than 5 People
|Year Established
|Total Annual Sales Volume
|Below US$1 Million
|Export Percentage
|21% - 30%
|Santa Cruz de la Sierra
|Santa Cruz
|Company Website
|Contact Person
|Mr. Mark Dennis
|5**********2 View all, please login
|Street Address
|Av. Busch 3er Anillo Ext. c / Jose Parada
|Zip Code
|sell123 URL
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- In Bolivia
- Santa Cruz(31)
By Business Type
- In Santa Cruz de la Sierra
- In Andres Ibanes
- In Bolivia
- Manufacturer(106)
- Trading Company(70)
- Wholesaler(61)


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Pedro Reyes
Born 1972, Mexico City, Mexico | Lives and works in Mexico City, Mexico
Pedro Reyes uses sculpture, video, and performance to explore the boundaries between the individual and the group, between ordinary experiences and extraordinary moments of interaction. His socially engaged practice seeks alternative methods to restore a peaceful society through pedagogy and participation. Formally trained in architecture, Reyes founded the experimental project space Torre De Los Vientos (Mexico City, 1996–2002). Solo exhibitions of his work include Walker Art Center (Minneapolis, 2011) and the Guggenheim Museum (New York, 2011). He has participated in group exhibitions at Serpentine Gallery (London, 2010) and Museo de Arte Moderno (Mexico City, 2010). His work has been featured in the Liverpool Biennial (2012), Documenta 13 (2012), and the Sharjah Biennial II (2013).
Borrow a work
A work by Pedro Reyes is available for checkout in the Art Lending Collection at Braddock Carnegie Library.
More about the artist
Pedro Reyes (personal website)
Pedro Reyes Disarm: Turning Weapons into Instruments
Pedro Reyes dissects the war on drugs (The Boston Globe, July 2013)
DISARM at Lisson Gallery (Sean Dower, March 2013)
An Orchestra of Guns (Studio 360, March 2013)
Weapon for change: interview with Mexican artist Pedro Reyes (London Evening Standard, March 2013)
Death metal: The Mexican artist who makes musical instruments from firearms (Daily Mail Online, February 2013)
Pedro Reyes Turns Guns into Musical Instruments (The Huffington Post, February 2013)
Pedro Reyes (BOMB 96/Winter 2006)


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Apple Tree Day Nursery is a purpose built single-storey building, situated on Queens Road, Halifax, with a large, varied, outdoor play space including a separate baby area.
The nursery includes a recently refurbished, air-conditioned, dedicated baby room for 0-2years, with a relaxing sensory area.
There is a large open-plan toddler / pre-school room with a wealth of activities available, following the Early Years Foundation Stage.
The nursery is family orientated to ensure all children feel secure and happy, enabling them to develop to their full potential.