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Where am I?
What if I...
...need to know how much I've borrowed so far?
The National Student Loan Data System (NSLDS) is the U.S. Department of Education's (ED) central database for federal student loans (excluding Health Professions Student Loans and Alternative/Private loans). NSLDS Student Access provides borrowers with a centralized, integrated view of their federal student loans.
To view NSLDS Student Access:
log into www.nslds.ed.gov/nslds_SA/
select "Financial Aid Review" (Note: Department of ED PIN is required)
...want to know what my loan payments will be?
If you've already determined how much you've borrowed in student loans, it's important to estimate how much your monthly payments will be on those loans once you've graduated, withdrawn or if your enrollment has dropped below six credit hours.
Use this online payment calculator to get an idea of what your payments will be.
...default on my loan?
Tax Refund Offsets
The IRS can intercept any income tax refund you may be entitled to until your student loans are paid in full. This is one of the most popular methods of collecting on defaulted loans, and the Department of Education annually collects hundreds of millions of dollars this way.
You can challenge a tax refund offset. To learn more about acceptable reasons to challenge offsets and how to do so, see the National Consumer Law Center's Student Loan Borrower Assistance website.
Your Paycheck Garnished
The government can take ("garnish") a limited portion of the wages of a student loan debtor who is in default. It can take up to 15% of your disposable income. However, it cannot take more than the equivalent of 30 times the current federal minimum wage.
As with the tax refund offset, you can object to a wage garnishment. To learn more about the reasons for objection and how to object, see the National Consumer Law Center's Student Loan Borrower Assistance website.
Another way to avoid wage garnishment is to contact the holder of your loan and negotiate a repayment schedule. For more information, see Nolo's article on Student Loan Repayment Options.
Your Federal Benefits Taken
The government can take some federal benefit payments (including Social Security retirement benefits and Social Security disability benefits, but not Supplemental Security Income) as reimbursement for student loans.
The government cannot take any amount that would leave you with benefits less than $9,000 per year or $750 per month. And, it cannot take more than 15% of your total benefit.
...need to withdraw or take a leave of absence?
Financial Aid Withdrawal Policy
Students who are out of class for 29 days will be withdrawn from the University on the 30th day of non-attendance. After the 30th day loan and grant funds will be returned. Students must be approved by Financial Aid before returning to class and receiving future loans and grants. Upon return, the student may be required to reapply for financial aid and/or pay any balance on their account.
Leave of Absence Policy
A leave of absence (LOA) is considered a temporary interruption in a program of study that is planned prior to a class start date. By completing the following process, students may maintain their in-school enrollment status.
The University may grant a leave of absence to students who complete the official Leave of Absence form with Student Services prior to the first scheduled class meeting. If unforeseen circumstances prevent the student from completing the form in a timely manner, the University may grant the request if all paperwork is received within 15 days of the student's last date of attendance. Unforeseen circumstances may include, but are not limited to, medical and family emergencies, business travel, University course cancellation and/or natural disasters.
Students may be approved by the University for up to two nonconsecutive leaves of absence in a calendar year. Each leave may not exceed 90 days in length (for a total of 180 days during a 12 month period).
Students who wish to take a second leave of absence during the calendar year may do so only for special circumstances which include, but are not limited to the following: military reasons, circumstances covered by the Family Medical Leave Act of 1993, ADA accommodations, jury duty, University course cancellation and/or faculty closure, and natural disasters.
Students returning from a first leave of absence must successfully complete one course, with a grade other than "W" or "F" prior to requesting a second leave.
Students who do not return to the University on the date specified on the Leave of Absence form will be moved to a withdrawn status and loan funds and grants will be returned. The last date of attendance will be determined by the last date that the student attended the University prior to the leave of absence.
...want to know more about Hope/Lifetime credits?
The federal government offers parents and students two tuition tax credit programs, Hope/American Opportunity and Lifetime Learning, to help pay for higher education costs. If you meet certain conditions, you can qualify for a reduction on your federal income tax bill. However, you may not claim both the Hope/American Opportunity and the Lifetime credit for the same student in the same year.
What Is a Tax Credit?
Tax credits allow you to subtract, on a dollar-for-dollar basis, the amount of the credit from your total federal income tax bill. Income tax deductions are subtracted from your income before your taxes are calculated. As a result, tax credits usually allow for greater total savings than tax deductions.
The Hope/American Opportunity Tax Credit
With the passage of the American Recovery and Reinvestment Act of 2009 (ARRA, also known as the Stimulus Bill), Congress has expanded the existing Hope tax credit, now called the American Opportunity Credit. The expanded terms will apply to tax years 2009 and 2010. While the Hope Credit could be applied to two years of post-secondary education, the expanded program allows the credit to be claimed for four years, and also expands income eligibility.
To claim this credit, the student must be enrolled at least half-time in a program leading to an undergraduate degree or other legitimate education credential.
The maximum yearly credit per eligible student is $2,500.
The American Opportunity Credit is partially refundable, which means up to $1,000 could be paid back to lower-income taxpayers when the credit exceeds their total tax bill.
There is no limit on how many family members can receive the credit.
The amount of the credit begins to phase out if your modified adjusted gross income (AGI) is between $80,000 and $90,000 or more for a single return and between $160,000 and $180,000 or more for a joint return.
For parents or guardians to claim a Hope credit for their child's college expenses, the student must be listed as a dependent on the tax form. If the student is not listed as a dependent on another person's tax form, he or she can claim the credit.
For exact directions for claiming the American Opportunity credit, and information about a further credit available to students in specified Midwestern disaster areas, consult IRS Publication 970, Tax Benefits for Education.
The Lifetime Learning Tax Credit
This credit is available for all years of post-secondary education and for courses (even a single course) to acquire or improve job skills.
The Lifetime Learning credit can only be used for tuition and fees. The credit can be claimed for 20 percent of the amount you pay (see maximum limits below).
A taxpayer may claim a tax credit for 20% of up to $10,000 in a combination of tuition and fees. This equates to a $2,000 tax credit in 2008 and 2009.
The amount of the credit begins to phase out if your AGI is between $50,000 and $60,000 for a single return and between $100,000 and $120,000 for a joint return.
Consult IRS Publication 970 for specific rules on eligibility and claiming this tax credit.


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League of Legends is incredibly popular these days, both from a casual standpoint, and for core eSports fans. Finding big eSports competitions in Australia however, is pretty difficult.. so when we heard about an $11,000 Australian tournament, we were naturally intrigued. We got to sit down and have a chat with Mark Carter from Guf, who is the organiser of the Guf Tt-eSports $11,000 League of Legends eSports Ladder.
Me: Hey there Mark, organising a tournament of this calibre is no mean feat! Did you have any help setting it up?
Mark: Sure did, quite frankly it wouldn't have even been possible to get this off the ground without the support of people like Thermaltake, Cybergamer, and my co-tournament organiser, Yons.
Me: And such a large prize pool? $11,000 isn't just some petty cash, after all.
Mark: It's not just the cash though. In addition there is over $1,000 of Thermaltake gear to be competed over! All of the money is coming from various game centres around the country
Me: Why game centres, though?
Mark: Game centres are some of the strongest supporters of eSports teams via sponsorship, but in Australia at least, haven't found the right format to contribute to. We feel that a multi-week ladder style competition will allow us to take a look at the great teams up close and personally, as well as let people wanting to enter into eSports competitively do so. It also promotes game centres, naturally.
Me: So it's all about getting players in store then?
Mark: Players have to realise that this is a two way street. No one puts up this kind of cash without some expectation of return. Sponsors find it frequently difficult to support purely online competition, and hardware manufacturers want physical competitions so they can showcase their products. And for game centres it's about getting new people experiencing them for the first time. It's about supporting players as best we can, but also making it viable for more frequent competitions to go ahead... it's a hard juggling act.
Me: Some people in the competitive scene are causing a stir about the limitations in the Ladder. Why is it necessary that teams play together at a single game centre?
Mark: There are many reasons for this. First is that we want to build a regular middle tier of eSports competitions across Australia, something everyone can appreciate. Having a few dominant teams is great for International tournaments, but how do we get them, and how do we ensure they can compete on an International level? How do we get the best players from Australia representing us on the world stage?
You take a look at the competitive scene in various parts of Asia, and there is a common trait amongst most of the biggest teams. All the players in a team are local to each other, some of the time they even live together! The common fact is that when these teams play, they are all in the same room... and almost all have the same gear. We need teams like these to compete, and we also need a feeder program for those teams... a way for newer players to build a rep and demonstrate their skill. What better way to do so than in a central, localised place?
Me: You mentioned middle tier. $11,000 in Australia isn't exactly that, is it?
Mark: For Australia, no. We are hoping that in a few years time, with the right sorts of investment, even larger eSports events will be held with the best of the best flying around the country playing for huge prizes. However, this isn't going to happen unless the community supports live events, whether it is located at a game centre, a LAN, or even specialised eSports conventions.
The Intels, Razers, Thermaltakes of the world have got to see that there are a lot of regional teams out there playing, willing to get out of their houses, willing to support their products and events. Without that, it's just not going to be possible. So many teams want sponsorship from the big boys, and this is exactly how you go about getting it. You need to create venues where people can watch, and people can play, and we hope that this will encourage both.
Me: There has been some suggestion that a 10 week ladder simply isn't the right format, and that many won't be able to play. What are your thoughts on that?
Mark: We understand that some players won't be able to enter because they don't have a local game centre to play at. We'd like to have more game centres involved but we are pretty selective about who we work with. They have to be willing to commit resources, not just in money, but in time and staff. Co-ordinating an event like this is going to require dedicated and enthusiastic staff as well.
Not to mention the reason why we use the term 'Game Centre' We don't want to be seen as the same sorts of venues as the Net Cafe's of old... Those places were aimed at people without gaming pcs. Game Centres on the other hand are targeting gamers who want to get out in a social environment, with good gear, and an all around good environment.
Me: One of the main reasons players are concerned about the 10 week ladder is that getting all of their players in every week for 10 weeks is pretty much impossible.
Mark: I think it's important to state that teams don't have to compete every week. While the ladder will go for 10 weeks, the requirement is for 10 games to be played over the 10 weeks. If teams are organised they should easily be able to play multiple games in a week. It's true that for a lot of existing teams it will be hard to get involved. When you are used to playing at home it takes co-ordination to get into a store. This is one of the reasons we are allowing 10 players on the team roster. We understand that not all players are available every night.
Organising such a large event across Australia requires a heck of a lot of effort, and we are looking for Team Captains that are willing to make the same sort of effort. Many of the established LoL teams will not be able to enter, so it's going to be up to dedicated Captains or Team Managers to make new teams that live in the same rough area.
Me: Wait, you're expecting players to make new teams?
Mark: This isn't about killing the big established teams. These teams are made up of the best players from around Australia. What we are looking for is players to form new regional teams, made up of the best players in their local area. This will allow newer players to quickly build a reputation and break into those big established teams. It will also make for a lot more competition, both of which are good things.
For instance, Sequential will only be able to field 3 of their regular players. For their regional team they are going to be looking to recruit a lot of new Brisbane players that will then have the opportunity to get to know them and show off their skills, opening up potential recruitment to their regular lineup.
Me: $4,000 for 1st in Division 1 seems a lot for one team. Why put so much of the prize pool into one winner?
Mark: I'm a big fan of flat prize pools, where the money is shared over the top 8 teams. However, for this event we knew we would have to encourage people to make the effort required to compete, and hoped a large first place prize would do just that. We know it's going to take a lot of effort to make new teams, recruit new players, and go into their local game centre... and we really wanted to make certain the team that goes out of their way to do this is rewarded for that effort. That way they will have the funds to take the team to the next level of professionalism: Flying around Australia, maybe entering an international event and attracting some big sponsors.
Me: So why spread it over 2 seasons?
Mark: Whenever you work with new people in a new team it is going to take time for them to develop. Over the first few weeks we will no doubt see a lot of roster changes as Captains tweak their teams. We also looked at the way sports such as Soccer use relegation and promotion to add more interest. At the moment, the bottom 3 teams from Div1 will get relegated for Season 2, and the top 3 teams from Div2 will get promoted. Of course if there is minimal interest from players we will have to review Season 2, but the prize money is sitting in the bank, so why not commit to 2 seasons?
Me: So to me it seems having 2 divisions is all about promoting teams and keeping interest up?
Mark: Not entirely. We really wanted a way for teams in Div 2 that have shown a lot of improvement to have a way to move up, we wanted to take a long term view. I think it is important to encourage new players and new teams also, so Division 2 will be open to enter anytime so it ensures anyone that wants to participate can. I also like the idea of having a more casual league with a bit more focus on fun. This will be ideal for a lot of our regular customers who want to play but don't think they can compete against the top players. Of course having a $1,000 first prize also makes Division 2 very interesting!
Me: That about winds it up, but who do you peg to win the LoL Ladder?
Mark: I can't honestly say. There will be some familiar names in that top 8 final, but I think it will be a real surprise in the end. We are definitely shaking up the LoL scene here in Australia and a lot of unknown players and unknown teams are going to make a name for themselves in this event. At the end of the 10 weeks I think it is going to be really obvious who has the professionalism, and the dedication to make it in eSports.
Me: Thankyou for your time Mark. For those that are interested, how do you go about signing up?
That depends on your choice really. If your team would like to try out for Div 1, you must enter a one-day qualifier on April 22nd. The top 16 teams will earn a spot in Div 1. You can apply to join the qualifier at http://www.cybergamer.com.au/pc/guflol/league/
Whereas if you want to join just Division 2, which is open anytime, you can join over at
by Bane Williams

subset: commoncrawl


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A pack of Rips and Tears recorded with a Beyer MCE 86N(C)S.
I have used these for ripping flesh sounds.
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San Antonio Spurs v Charlotte Bobcats
Ramon Sessions of the Charlotte Bobcats drives to the basket against... Fotografia de notíciasAdulto,Basquetebol - NBA Pro,Basquetebol Feminino,Carolina do Norte - Estado,Charlotte,Charlotte Hornets,Desporto,Drive - Atividade desportiva,EUA,Mulheres,Ramon Sessions,San Antonio Spurs,Time Warner Cable Arena,Vertical,WNBAPhotographer Scott CunninghamCollection: National Basketball Association 2012 NBAECHARLOTTE, NC - DECEMBER 8: Ramon Sessions #7 of the Charlotte Bobcats drives to the basket against the San Antonio Spurs at Time Warner Cable Arena on December 8, 2012 in Charlotte, North Carolina. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and/or using this Photograph, user is consenting to the terms and conditions of the Getty Images License Agreement. Mandatory Copyright Notice: Copyright 2012 NBAE. (Photo by Scott Cunningham/NBAE via Getty Images)


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Moab Mid Waterproof Shoe (Men's)
In Stock Product Number: 25465
The mid-height version of Merrell's endless summer essential is now an even better match for summer spritzers or water spurts with the addition of waterproof construction and the leather reinforced breathable mesh upper. Women's version includes QForm Comfort stride alignment in the Merrell air cushion midsole. Vibram Multi-Sport Plus sole increases braking power at the heel for more demanding terrain.
* This product does not qualify for shipping to all countries.
- Bellows tongue keeps debris out
- Synthetic leather toe cap and heel counter
- Ortholite¿ anatomical footbed
- Molded nylon arch shank
- Compression molded EVA footframe provides cushioning
- Merrell air cushion in the heel absorbs shock and adds stability
- 5mm sole lug depth
Gender: Men's
Weight: 1 lb 15 ozs
Shoe Upper: Waterproof Dura leather n mesh upper
Shoe Lining: Waterproof membrane Aegis antimicrobial
Shoe Sole: Vibram Multi-Sport Sole/TC5+ Rubber
Season: F14 S15 F15
Vendor ProductId: J88623
Review ProductId: 25465


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Daily Schedule Sat, Jan 26, 2013
Recent Movie News
THE RING - A disturbing video tape is linked to a series of bizarre suicides in this frightening new remake of a Japanese cult thriller.
TCM Remembers James Gregory, 1911-2002 - The distinguished character actor who gained belated fame as Inspector Luger on the hit sitcom, Barney Miller (1975-1982), died on September 17 in Sedona, Arizona. The Manchurian Candidate and Beneath the Planet of the Apes were among his film credits.
What's Up, Tiger Lily? - Woody Allen's first directorial effort - a Japanese spy thriller redubbed with comical English dialogue - is now on DVD.
TCM Movie Database
Your destination for exclusive material from the TCM vaultsLEARN MORE >


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Resources and Publications
Submitted by Anonymous (not verified) on Wed, 09/28/2011 - 2:04pmPosted: Wed, 09/28/2011 - 2:04pm Updated: Wed, 07/08/2015 - 2:30pm
- Curriculum Units for High Ability Students - View and print differentiated units of study in the Curry/Samara Matrix format with lesson plans linked to state standards. Sort by grade or subject to see curriculum units developed by your colleagues in Indiana.
- Guiding Students with High Abilities Social and Emotional Considerations
- Indiana Association for the Gifted Parent Guide to High Ability Education and Advocacy
- Superintendents Reading and Writing about Gifted Ed - from NAGC "…gifted learners are wholly dependent on superintendents and other passionate advocates who recognize their needs," is the organizing principal of the article, "All Gifted is Local," featured in the February issue of The School Administrator magazine. NAGC encourages you to share the article with others. The same issue includes articles about local gifted education programs around the country, as well as articles by Dr. Sally Reis from the University of Connecticut and Dr. Eric Smith of the College Board. You may also want to visit NAGC's website. NAGC has recently posted information and resources for districts that support the school administrator article; you will also find other helpful information on their site.
- Programming for Talent Development: What's Unique About the Four Levels of Service? - The lead article in the October-December, 2002 Center for Creative Learning Newsletter written by Don Treffinger, Grover Young, Carole Nassab, and Carol Witting outlines differentiation using the Levels of Service model.
- Tiered Curriculum Project - Print K-12 lessons plans…science, math and language arts. Each grade level provides three lessons tiered by interest, readiness and learning style.


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Watch previews, scenes and cast interviews from some of your favorite Great Performances programs. If you cannot find what you are looking for, please try our video player.
Great Performances Programs
Great Performances | Cats
Posted by
Watch Friday, November 21, 2014 at 9pm | Revel in this encore presentation of one of musical theater's biggest blockbusters.Read More
Great Performances at the Met | La Cenerentola
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Watch Sunday, September 14, 2014 at 1pm | Savor Rossini's Cinderella story, starring Joyce DiDonato and Juan Diego Flórez.Read More
Great Performances | Star Spangled Spectacular: The Bicentennial of our National Anthem
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Watch Saturday, September 13, 2014 at 8pm | Commemorate the national anthem's creation and the defense of Fort McHenry that inspired it.Read More
Great Performances | Vienna Philharmonic Summer Night Concert 2014
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Watch Thursday, August 28, 2014 at 10pm | Hear piano virtuoso Lang Lang in this open-air concert led by guest conductor Christoph Eschenbach.Read More
Great Performances | Dudamel Conducts the Verdi Requiem at the Hollywood Bowl
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Watch Friday, August 1, 2014 at 9pm | Thrill to a concert presentation of the towering Requiem in commemoration of Verdi's bicentennial.Read More
Great Performances at the Met | La Boheme
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Watch Friday, June 27, 2014 at 9pm | Hear an exciting young cast in Zeffirelli's lavish production of Puccini's ever-popular work.Read More
Great Performances at the Met | Prince Igor
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Watch Sunday, June 22, 2014 at 1pm | Relish this acclaimed new production of Borodin's operatic masterpiece, the Met's first since 1917.Read More
Great Performances | The Dukes of September
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Watch Friday, June 13, 2014 at 8pm | Enjoy performances by Fagen, McDonald and Scaggs of their big hits and other 60s and 70s favorites.Read More
Great Performances | Steve Martin and the Steep Canyon Rangers Featuring Edie Brickell
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Watch Thursday, June 5, 2014 at 9pm | Enjoy new songs that combine Martin's inventive banjo playing with Brickell's heart-tugging vocals.Read More
Great Performances | Tanglewood 75th Anniversary Celebration
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Watch Tuesday, June 3, 2014 at 7:30pm & Sunday, June 8, 2014 at 5pm | Enjoy a star-studded event featuring some of Tanglewood's most distinguished and longtime guests.Read More


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Legends® Imperial Supima Towels
Overview & Details
- Supima cotton luxury bath towels.
- Densely loomed of plush, 640-gram Supima cotton.
- Imperial Supima towels available in a washcloth, hand towel, bath towel, bath sheet and tub mat.
- Coordinates with our Legends Supima rug.
- Machine wash.
- Imported.
- Exclusively ours.
Indulge in opulent spa style right in your own bathroom with our Legends Imperial Supima bath towel collection. Crafted from plush 640-gram Supima cotton—the finest American-grown cotton—these ultra-luxe bath towels from Legends are loomed with dense loops for incomparable softness and absorbency. You'll look forward to stepping out of the shower or bath when you know an Imperial Supima cotton towel from Legends is waiting for you. Your whole family will enjoy the plush softness and welcoming warmth of our Legends towels. There's no better way to dry off!
Generously sized for luxuriant use, our Legends luxury bath towels are offered in a wide array of pastels. Add a playful pop of color to your bathroom or linen closet with these timeless towels. The pretty palette adds a lovely look without being distracting to the bathroom's overall aesthetic.
Try all of the various towel elements in the Imperial Supima towel collection. Available in a wide range of sizes, our 640-gram Supima cotton wash cloths, hand towels, bath towels, bath sheets and tub mats are sure to become a favorite in your household. Our Legends Supima towels also coordinate with our Legends Supima rug—mix and match the bathroom accessories to your heart's content. Exclusively ours, you'll only find Legends Imperial Supima towels at The Company Store.


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42 U.S. Code § 210 - Pay and allowances
(a) Commissioned officers of Regular and Reserve Corps; special pay for active duty; incentive special pay for Public Health Service nurses
(1) Commissioned officers of the Regular and Reserve Corps shall be entitled to receive such pay and allowances as are now or may hereafter be authorized by law.
(b) Purchase of supplies
(c) Members of national advisory or review councils or committees
Members of the National Advisory Health Council and members of other national advisory or review councils or committees established under this chapter, including members of the Technical Electronic Product Radiation Safety Standards Committee and the Board of Regents of the National Library of Medicine, but excluding ex officio members, while attending conferences or meetings of their respective councils or committees or while otherwise serving at the request of the Secretary, shall be entitled to receive compensation at rates to be fixed by the Secretary, but at rates not exceeding the daily equivalent of the rate specified at the time of such service for grade GS–18 of the General Schedule, including traveltime; and while away from their homes or regular places of business they may be allowed travel expenses, including per diem in lieu of subsistence, as authorized by section 5703 of title 5 for persons in the Government service employed intermittently.
(d) Field employees
Field employees of the Service, except those employed on a per diem or fee basis, who render part-time duty and are also subject to call at any time for services not contemplated in their regular part-time employment, may be paid annual compensation for such part-time duty and, in addition, such fees for such other services as the Surgeon General may determine; but in no case shall the total paid to any such employee for any fiscal year exceed the amount of the minimum annual salary rate of the classification grade of the employee.
(e) Additional pay for service at Gillis W. Long Hansen's Disease Center
Any civilian employee of the Service who is employed at the Gillis W. Long Hansen's Disease Center on April 7, 1986, shall be entitled to receive, in addition to any compensation to which the employee may otherwise be entitled and for so long as the employee remains employed at the Center, an amount equal to one-fourth of such compensation.
(f) Allowances included in fellowships
(g) Positions in professional, scientific and executive service; compensation; appointment
The Secretary is authorized to establish and fix the compensation for, within the Public Health Service, not more than one hundred and seventy-nine positions, of which not less than one hundred and fifteen shall be for the National Institutes of Health, not less than five shall be for the National Institute on Alcohol Abuse and Alcoholism for individuals engaged in research on alcohol abuse and alcoholism, not less than ten shall be for the National Center for Health Services Research, not less than twelve shall be for the National Center for Health Statistics, and not less than seven shall be for the National Center for Health Care Technology, in the professional, scientific, and executive service, each such position being established to effectuate those research and development activities of the Public Health Service which require the services of specially qualified scientific, professional and administrative personnel: Provided, That the rates of compensation for positions established pursuant to the provisions of this subsection shall not be less than the minimum rate of grade 16 of the General Schedule nor more than
(2) in the case of two such positions, the rate specified, at the time the service in the position is performed, for level II of the Executive Schedule (5 U.S.C. 5313); and such rates of compensation for all positions included in this proviso shall be subject to the approval of the Director of the Office of Personnel Management. Positions created pursuant to this subsection shall be included in the classified civil service of the United States, but appointments to such positions shall be made without competitive examination upon approval of the proposed appointee's qualifications by the Director of the Office of Personnel Management or such officers or agents as it may designate for this purpose.
Source(July 1, 1944, ch. 373, title II, § 208, formerly § 209,58 Stat. 686; July 3, 1946, ch. 538, § 5(a),60 Stat. 422; renumbered § 208 and amended Feb. 28, 1948, ch. 83, § 5(a), (g), (h),62 Stat. 40; June 16, 1948, ch. 481, § 4(d),62 Stat. 467; June 24, 1948, ch. 621, § 4(d),62 Stat. 601; Oct. 12, 1949, ch. 681, title V, § 521(b),63 Stat. 834; Aug. 9, 1950, ch. 654, § 1,64 Stat. 426; Aug. 15, 1950, ch. 714, §§ 3(e), 4 (b),64 Stat. 447; 1953 Reorg. Plan No. 1, §§ 5, 8 eff. Apr. 11, 1953, 18 F.R. 2053, 67 Stat. 631; Aug. 1, 1955, ch. 437, title II, § 201,69 Stat. 407; June 29, 1956, ch. 477, title II, § 201,70 Stat. 430; July 31, 1956, ch. 804, title I, § 117(b),70 Stat. 741; Pub. L. 85–462, § 12(e),June 20, 1958, 72 Stat. 214; Pub. L. 85–929, § 9,Sept. 6, 1958, 72 Stat. 1789; Pub. L. 86–415, § 5(b),Apr. 8, 1960, 74 Stat. 34; Pub. L. 86–703, title II, § 201,Sept. 2, 1960, 74 Stat. 764; Pub. L. 87–649, §§ 11(3), 14b,Sept. 7, 1962, 76 Stat. 497, 499; Pub. L. 87–793, title VI, § 1001(d),Oct. 11, 1962, 76 Stat. 864; Pub. L. 88–426, title III, § 305(1),Aug. 14, 1964, 78 Stat. 422; Pub. L. 90–574, title V, § 501,Oct. 15, 1968, 82 Stat. 1012; Pub. L. 91–515, title VI, § 601(b)(1),Oct. 30, 1970, 84 Stat. 1310; Pub. L. 92–157, title III, § 301(a),Nov. 18, 1971, 85 Stat. 463; Pub. L. 95–83, title III, § 312,Aug. 1, 1977, 91 Stat. 398; Pub. L. 95–623, § 11(a),Nov. 9, 1978, 92 Stat. 3455; 1978 Reorg. Plan No. 2, § 102, eff. Jan. 1, 1979, 43 F.R. 36037, 92 Stat. 3783; Pub. L. 96–32, § 7(g),July 10, 1979, 93 Stat. 84; Pub. L. 96–398, title VIII, § 805,Oct. 7, 1980, 94 Stat. 1608; Pub. L. 99–117, § 3(a),Oct. 7, 1985, 99 Stat. 491; Pub. L. 99–272, title XVII, § 17002(a)(1), (b),Apr. 7, 1986, 100 Stat. 359; Pub. L. 100–607, title VII, § 706,Nov. 4, 1988, 102 Stat. 3159; Pub. L. 106–398, § 1 [[div. A], title VI, § 634(b)], Oct. 30, 2000, 114 Stat. 1654, 1654A–159.)
References in Text
Classified civil service, referred to in subsec. (g), as meaning "competitive service", see section 2102 (c) of Title 5, Government Organization and Employees.
Prior Provisions
A prior section 208 of act July 1, 1944, was renumbered section 207 and is classified to section 209 of this title.
2000—Subsec. (a)(2). Pub. L. 106–398added par. (2) and struck out former par. (2) which read as follows:
"(2)(A) Except as provided in subparagraph (B), commissioned medical and dental officers in the Regular and Reserve Corps shall while on active duty be paid special pay in the same amounts as, and under the same terms and conditions which apply to, the special pay now or hereafter paid to commissioned medical and dental officers of the Armed Forces under chapter 5 of title 37.
"(B) A commissioned medical officer in the Regular or Reserve Corps (other than an officer serving in the Indian Health Service) may not receive additional special pay under section 302 (a)(4) of title 37 for any period during which the officer is providing obligated service under (i) section 254m of this title, (ii) section 234 (e) of this title (as such section was in effect prior to October 1, 1977), or (iii) section 294u of this title (as such section was in effect between October 1, 1977, and August 13, 1981)."
Subsec. (a)(3). Pub. L. 106–398, § 1 [[div. A], title VI, § 634(b)(1)], struck out par. (3) which read as follows: "Commissioned nurse officers in the Regular and Reserve Corps shall, while in active duty, be paid incentive special pay in the same amounts as, and under the same terms and conditions which apply to, the incentive special pay now or hereafter paid to commissioned nurse officers of the Armed Forces under chapter 5 of title 37."
1988—Subsec. (a)(3). Pub. L. 100–607added par. (3).
1986—Subsec. (a)(2)(B). Pub. L. 99–272, § 17002(a)(1), inserted "(other than an officer serving in the Indian Health Service)".
Subsec. (e). Pub. L. 99–272, § 17002(b), amended subsec. (e) generally. Prior to amendment, subsec. (e) read as follows: "Whenever any noncommissioned officer or other employee of the Service is assigned for duty which the Surgeon General finds requires intimate contact with persons afflicted with leprosy, he may be entitled to receive, as provided by regulations of the President, in addition to any pay or compensation to which he may otherwise be entitled, not more than one-half of such pay or compensation."
1985—Subsec. (a)(2). Pub. L. 99–117substituted "(A) Except as provided in subparagraph (B), commissioned" for "Commissioned", and added subpar. (B).
1980—Subsec. (a). Pub. L. 96–398redesignated existing provisions as par. (1) and added par. (2).
1979—Subsec. (c). Pub. L. 96–32substituted "section 5703 of title 5" for "section 5703 (b) of title 5".
1978—Subsec. (g). Pub. L. 95–623increased limitation on establishment of positions to one hundred and seventy-nine from one hundred and fifty-five and required minimum number of positions for certain National Centers: ten, National Center for Health Services Research; twelve, National Center for Health Statistics; and seven, National Center for Health Care Technology.
1977—Subsec. (g). Pub. L. 95–83increased limitation on establishment of positions to one hundred and fifty-five from one hundred and fifty and required not less than five for the National Institute on Alcohol Abuse and Alcoholism for individuals engaged in research on alcohol abuse and alcoholism.
1971—Subsec. (f). Pub. L. 92–157, which directed that "subsection (g)" be substituted for "section 209 (f)", was executed by substituting "section 209 (g) of this title" for "section 209 (f) of this title", to reflect the probable intent of Congress.
1970—Subsec. (c). Pub. L. 91–515extended coverage to encompass members of other national review councils or national advisory or review committees established under this chapter, including members of the Technical Electronic Product Radiation Safety Standards Committee and the Board of Regents of the National Library of Medicine, authorized service to be at the request of the Secretary in place of the Surgeon General, and revised rates of compensation and travel allowances.
1968—Subsec. (g). Pub. L. 90–574inserted "(1)" after "nor more than" and added cl. (2).
1962—Subsec. (b). Pub. L. 87–649struck out sentence which permitted commissioned officers on active duty to make allotments from their pay, and substituted "Commissioned officers on active duty and retired officers" for "Such officers, and retired officers." See section 704 of Title 37, Pay and Allowances of the Uniformed Services.
Subsec. (g). Pub. L. 87–793substituted provisions requiring the rates of compensation to be not less than the minimum rate of grade 16 nor more than the highest rate of grade 18 of the General Schedule, for provisions which prescribed annual rates of compensation of not less than $12,500 nor more than $19,000.
1960—Subsec. (b). Pub. L. 86–415authorized retired officers entitled to retired pay pursuant to section 211 (g)(3), 212, or 213a (a) of this title, to purchase supplies, and included the purchase of supplies from the Air Force.
Subsec. (g). Pub. L. 86–703substituted "one hundred and fifty" for "eighty-five" and "one hundred and fifteen" for "seventy-three".
1958—Subsec. (g). Pub. L. 85–929substituted "in the professional, scientific, and executive service" for "in the professional and scientific service", and substituted "of specially qualified scientific, professional, and administrative personnel" for "of specially qualified scientific or professional personnel".
Pub. L. 85–462, substituted "eighty-five positions, of which not less than seventy-three shall be for the National Institutes of Health" for "sixty positions".
1956—Subsec. (g). Act June 29, 1956, substituted "$20,000" for "$15,000".
1955—Subsec. (g). Act Aug. 1, 1955, increased from thirty to sixty the number of positions which the Administrator may establish in the professional and scientific service.
1950—Subsec. (b). Act Aug. 9, 1950, struck out "and may be granted leaves of absence without any deduction from their pay" after "allotments from their pay" in first sentence.
Subsec. (c). Act Aug. 15, 1950, § 3(e), made provisions applicable to members of all national advisory councils.
Subsec. (g). Act Aug. 15, 1950, § 4(b), added subsec. (g).
1949—Subsec. (a). Act Oct. 12, 1949, made section applicable to Reserve officers.
Subsec. (b). Act Oct. 12, 1949, redesignated subsec. (c) as (b) and repealed former subsec. (b) relating to Reserve officers.
Subsec. (c). Act Oct. 12, 1949, redesignated subsec. (e) as (c). Former subsec. (c) redesignated (b).
Subsec. (d). Act Oct. 12, 1949, redesignated subsec. (f) as (d) and repealed former subsec. (d) relating to female commissioned officers and defining "dependent".
Subsec. (e). Act Oct. 12, 1949, redesignated subsec. (g) as (e) and struck out references to allowances. Former subsec. (e) redesignated (c).
Subsec. (f). Act Oct. 12, 1949, redesignated subsec. (h) as (f). Former subsec. (f) redesignated (d).
Subsecs. (g), (h). Act Oct. 12, 1949, redesignated subsecs. (g) and (h) as (e) and (f), respectively.
1948—Subsec. (b). Act Feb. 28, 1948, inserted "except as otherwise provided by law".
Subsec. (e). Acts June 16, 1948, § 4(d), and June 24, 1948, § 4(d), made section applicable to the National Advisory Heart Council and increased the per diem of all members from $25 to $50, and made section applicable to the National Advisory Dental Research Council, respectively.
Subsec. (h). Act Feb. 28, 1948, substituted "section 209 (f) of this title" for "section 209 (d) of this title".
1946—Subsec. (e). Act July 3, 1946, inserted "members of the National Advisory Mental Health Council".
Change of Name
Reference to the Gillis W. Long Hansen's Disease Center deemed to refer to the National Hansen's Disease Programs Center, pursuant to section 2 ofPub. L. 107–220, set out as a note under section 247e of this title.
Effective Date of 1986 Amendment
Pub. L. 99–272, title XVII, § 17002(a)(2),Apr. 7, 1986, 100 Stat. 359, provided that: "The amendment made by paragraph (1) [amending this section] shall take effect as of October 7, 1985."
Effective Date of 1985 Amendment
Pub. L. 99–117, § 3(b),Oct. 7, 1985, 99 Stat. 492, provided that: "The amendment made by subsection (a) [amending this section] shall not diminish any benefits under an agreement entered into before the date of enactment of this Act [Oct. 7, 1985] by a commissioned medical officer in the Regular Corps or the Reserve Corps of the Public Health Service."
Effective Date of 1962 Amendments
Amendment by Pub. L. 87–793effective first day of first pay period which begins on or after Oct. 11, 1962, see Pub. L. 87–793, title VI, § 1008,Oct. 11, 1962, 76 Stat. 868.
Amendment by Pub. L. 87–649effective Nov. 1, 1962, see section 15 ofPub. L. 87–649, set out as an Effective Date note preceding section 101 of Title 37, Pay and Allowances of the Uniformed Services.
Effective Date of 1960 Amendment
Amendment by Pub. L. 86–415effective July 1, 1960, see section 8(a) ofPub. L. 86–415, set out as a note under section 209 of this title.
Effective Date of 1958 Amendments
Amendment by Pub. L. 85–929effective Sept. 6, 1958, see section 6(a) ofPub. L. 85–929, set out as a note under section 342 of Title 21, Food and Drugs.
Amendment by Pub. L. 85–462effective June 20, 1958, see section 17(b) ofPub. L. 85–462.
Effective Date of 1956 Amendment
Amendment by act July 31, 1956, effective at beginning of first pay period commencing after June 30, 1956, see section 120 of act July 31, 1956.
Effective Date of 1950 Amendment
Act Aug. 9, 1950, ch. 654, § 3(a),64 Stat. 426, provided that: "Sections 1 and 2 of this Act [amending this section and enacting section 210–1 of this title] shall become effective on July 1, 1950."
Effective Date of 1949 Amendment
Amendment by act Oct. 12, 1949, effective Oct. 1, 1949, see section 533(a) of act Oct. 12, 1949, set out as a note under section 854a of Title 33, Navigation and Navigable Waters.
Act July 31, 1956, ch. 804, title I, § 117(b),70 Stat. 741, cited as a credit to this section, which amended subsec. (g) of this section to increase the salary rates, was repealed by Pub. L. 88–426, title III, § 305(1),Aug. 14, 1964, 78 Stat. 422.
Transfer of Functions
"Director of the Office of Personnel Management" substituted for "Civil Service Commission" in subsec. (g) pursuant to Reorg. Plan No. 2 of 1978, § 102,43 F.R. 36037, 92 Stat. 3783, set out under section 1101 of Title 5, Government Organization and Employees, which transferred functions vested by statute in United States Civil Service Commission to Director of Office of Personnel Management (except as otherwise specified), effective Jan. 1, 1979, as provided by section 1–102 of Ex. Ord. No. 12107, Dec. 28, 1978, 44 F.R. 1055, set out under section 1101 of Title 5.
Functions of Public Health Service, Surgeon General of Public Health Service, and all other officers and employees of Public Health Service, and functions of all agencies of or in Public Health Service transferred to Secretary of Health, Education, and Welfare by Reorg. Plan No. 3 of 1966, eff. June 25, 1966, 31 F.R. 8855, 80 Stat. 1610, set out as a note under section 202 of this title. Secretary of Health, Education, and Welfare redesignated Secretary of Health and Human Services by section 509(b) ofPub. L. 96–88which is classified to section 3508 (b) of Title 20, Education.
Functions of Federal Security Administrator transferred to Secretary of Health, Education, and Welfare and all agencies of Federal Security Agency transferred to Department of Health, Education, and Welfare by section 5 of Reorg. Plan No. 1 of 1953, set out as a note under section 3501 of this title. Federal Security Agency and office of Administrator abolished by section 8 of Reorg. Plan No. 1 of 1953. Secretary and Department of Health, Education, and Welfare redesignated Secretary and Department of Health and Human Services by section 509(b) ofPub. L. 96–88which is classified to section 3508 (b) of Title 20.
Delegation of Functions
Functions of President delegated to Secretary of Health and Human Services, see Ex. Ord. No. 11140, eff. Jan. 30, 1964, 29 F.R. 1637, as amended, set out as a note under section 202 of this title.
Termination of Advisory Committees
Pub. L. 93–641, § 6,Jan. 4, 1975, 88 Stat. 2275, set out as a note under section 217a of this title, provided that an advisory committee established pursuant to the Public Health Service Act shall terminate at such time as may be specifically prescribed by an Act of Congress enacted after Jan. 4, 1975.
References in Other Laws to GS–16, 17, or 18 Pay Rates
References in laws to the rates of pay for GS–16, 17, or 18, or to maximum rates of pay under the General Schedule, to be considered references to rates payable under specified sections of Title 5, Government Organization and Employees, see section 529 [title I, § 101(c)(1)] of Pub. L. 101–509, set out in a note under section 5376 of Title 5.
Maximum Pay and Allowances for Specific Fiscal Years
Pub. L. 100–436, title II, § 208,Sept. 20, 1988, 102 Stat. 1699, provided in part that: "No funds appropriated for the fiscal year ending September 30, 1989, by this or any other Act, may be used to pay basic pay, special pays, basic allowances for subsistence and basic allowances for quarters of the commissioned corps of the Public Health Service described in section 204 of title 42, United States Code, at a level that exceeds 110 percent of the Executive Level I [5 U.S.C. 5312] annual rate of basic pay".
Similar provisions were contained in the following prior appropriation acts:
Pub. L. 100–202, § 101(h) [title II, § 208], Dec. 22, 1987, 101 Stat. 1329–256, 1329–274.
Pub. L. 99–500, § 101(i) [H.R. 5233, title II, § 208], Oct. 18, 1986, 100 Stat. 1783–287, and Pub. L. 99–591, § 101(i) [H.R. 5233, title II, § 208], Oct. 30, 1986, 100 Stat. 3341–287.
Pub. L. 99–178, title II, § 208,Dec. 12, 1985, 99 Stat. 1119.
Pub. L. 98–619, title II, § 208,Nov. 8, 1984, 98 Stat. 3321.
Pub. L. 98–139, title II, § 208,Oct. 31, 1983, 97 Stat. 888.
Nurses and Allied Health Professionals
Pub. L. 100–436, title II, § 214,Sept. 20, 1988, 102 Stat. 1700, provided that: "Funds made available for fiscal year 1989 and hereafter to the National Institutes of Health shall be available for payment of nurses and allied health professionals using pay, schedule options, benefits, and other authorities as provided for the nurses of the Veterans' Administration under 38 U.S.C. chapter 73."
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Logo design proposal for a software service provider.Samadara GinigePosted in Branding → Logo
A superb theme design for the Lenovo Design Contest.Posted in Interface → Element
Flipflop Design were asked to create a new brand identity and package design which was imminently identifiable as hot pepper sauce at first glance. Flipflop came up with the hard hitting brand name 911 to communicate the seriousness of the heat within. The strap line "One drop does it" coupled with the burnt out font reinforces the brand. The logo design created using chilli peppers is eye catching and a perfect encapsulation of the product.Lee SaxelbyPosted in Branding → Product
An extremely clean portfolio design that focuses wholly on the designer's work.Posted in Web Design → Portfolio
Online portfolio for London based web designer Simon Lockyer.Simon LockyerPosted in Web Design → Portfolio
This real estate website design consist of a flat color scheme, custom icons and illustrations and a minimalistic feel.The Band AgencyPosted in Interface → iPad App
A design proposal for a restaurant that's quirky yet intriguing.Samadara GinigePosted in Branding → Logo
Portfolio of Paul O'Rely, a freelance designer and front-end developer based in São Paulo, Brazil.Paul O'RelyPosted in Web Design → Portfolio
A nice design that uses colour really effectively and perfectly matches its content.David CurranPosted in Web Design → Misc
A superb example of a personal branding project. I love the smooth design of this mind-bending design.Posted in Branding → Logo
An interesting design for a social app that uses icons very effectively.Posted in Interface → iPhone App
A striking logo design that's both sophisticated and bold. I particularly like the dramatic spacing of the letters.Posted in Branding → Logo
A solid icon design that uses simplicity to create a distinctive look and feel.Posted in Interface → iPhone App
Flipflop Design creative agency were appointed to create new brand logo and brand identity for a fashion retailer of urban street wear. The new logo design and brand identity reflects the urban and ethnic roots of the company. Graphic designers combined contemporary and vintage styling with finishes and colours that offer a pleasing glimpse into the eclectic and stylish world of Urban Voyager.Lee SaxelbyPosted in Branding → Logo
Map Icons Designer is a set of 200 Map icons in PSD Vector Shape & PNG format. They can be used as Google Map Icons, Location Markers, Point of Interests (POI) on any Maps.Ray CheungPosted in Interface → Element
The design of Rpm90s beautiful new brochure, created by Brighton design agency Flipflop Design, utilises the amazing images used across their branding and website design to capture the essence of the company. The brochure compliments the rest of the branding which establishes a strong aspirational brand identity.Lee SaxelbyPosted in Branding → Brochure
Cool Design Jobs is the place where you will find the best design, development and mobile jobs. In its development I used HTML5 and CSS3 techniques. It was created with the help of the Foundation framework by Zurb and, of course, it is responsive.Bogdan SanduPosted in Web Design → Design
Wine Label Design is a website directed towards the wine business building their brand from the ground up. Thousands of wine labels from all over the world were designed by our team.Wine label DesignPosted in Web Design → Design
Logo and business cards for MEK design. I like the simplicity of the logo, it would work anywhere.Clara MuradoPosted in Branding → Logo
The Flipflop design team created a logo design and brand identity which used amazing images across the stationery, brochures and website to capture the essence of the company. The stylish photography establishes a strong aspirational brand identity.Lee SaxelbyPosted in Branding → Business Cards


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PHOENIX, ARIZONA -- June 2009, I purchased an auto policy from Progressive Insurance to protect myself against accidental risks and to provide financial security, and peace of mind. Five and a half years I trusted that since I paid every payment on time and every premium, that I would be protected and treated fair when I needed them. Early September 2013, I hit a little puddle of water and it ran me into a curb, there was no body damage just areas of the wheels were hit and two arms bent, it was totally driveable. I reported the claim to Progressive shortly after and spend what seemed like an hour telling the representative that I didn't want to take my car to their hack shop repair center.
After reporting my claim. I took my car to a the quality repair facility because I had seen some of their work and I knew that it could be fixed quickly. I pick up a rental car from and thought that I was in good hands. Two days later, I received a call from Progressive stating that my car was a total loss and that I had 72 hours to return the rental car. This news was a total shock because the vehicles showed no signs of damage to the body, just the wheels and some underneath components.
Progressive also told me that the actual value of my car was $9,200 after the deductible. I asked how they determined the value of my vehicle? I was told that Progressive had done extensive research to determine my car's actual value through regional car values and J.D. power and associates. It seemed fishy to me so I asked them to send the report attached along with the estimate. I received a Mitchell vehicle valuation report. The procedures that they claimed to be "extensive" were actually from a website that only insurance companies used to quickly give a low ball report and summary of the values of vehicles.
This report used to evaluate my Infiniti sports coupe was deceptive and artificially law. Throughout the report I found multiple errors and was very concerned with precisely how these data was collected. This report is used by insurance companies in order to justify offering as little cash possible for vehicles. The report even listed the MSRP of my vehicle at $32,750 when in fact the sticker on my car was $37,240. There was no tax. The mile search range was totally off (25 miles), they told me 150 miles is the lowest range.
Reductions for condition of my car listing poor/fair. Options were missing. Inflated reductions for market adjustments, reduced value amounts for having a sunroof in multiple comparable vehicles. Also all for tires were new. The report was so off and flawed. I emailed my concerns about the report. I called them to tell him all the errors but he kept cutting me off and told me "it is what it is". I begin to feel pressured to accept what I believed was an unfair valuation of my vehicle and to total my vehicle was ridiculous.
Several days went by and I had not heard from them, so I decided to call the supervisor. I explained to them that if the real, unflawed value of my car and the correct estimate amount were applied my car would not be close to a total loss at all. I also advised them that the repair estimate was unnecessarily inflated. I also explained to them that I do not have a way of qualifying for another vehicle and I really need to have this car repaired. They told me that they revised the estimate but the actual car value could not be adjusted. She told me the car was still a total loss.
She also disregarded my concerns that the report contained errors. I then called an independent appraiser and scheduled appointment to have my car appraised based on their review, my car was worth $13,600. I emailed this report to Progressive and I called to make sure that he received the report and asked them to review the claim to see if my car could be repaired. The representative, while laughing, said "certainly not." I was shocked because I've never been treated so terrible in all my life and asked to speak with his supervisor again but he said she was not in.
Later that day, I received a call from another supervisor and I told her about the representatives conduct and the fact that it was not acceptable. I made it a point to tell her all the errors and how I had been treated. I also asked if I could get a rental car until we figure out a solution to the problem. She told me no, that once the car is declared a total loss, she would not be able to provide me with a rental car. I explained to her that that the Infiniti was the only vehicle I owned, but she did not seem concerned.
It has been over 2 to 3 month since the claim and I have not been able to talk to anyone from Progressive that was even willing to listen to me or explain the discrepancies in their numbers. I can't understand why I am stuck with no vehicle, no help, and no information. Their behavior with the insults and verbal abuse were intimidating and wrong. Progressive used scare tactics and threats of fees to urge me to act now. I asked the supervisor to place me with another adjuster but she refused.
To top it all off when I bought the policy they gave me paper that tells you all about their wonderful auto loyalty member rewards. The pamphlet says after you are insured with them for 4 years you become a diamond member, with "full large accident forgiveness" and goes on to say "This helps keep your rates from going up if you're in an accident-even if its your fault". When I asked them about it, they told me "Yeah we changed that to 5 years now." WTF! Progressive is The Worst Auto Insurance Company, I would think Twice.
ROCKPORT, TEXAS -- 7-21, hit a submerged object at full speed, hit it hard enough to shut down the motor, got it started and limped it to the dock. When I got to the dock found out that my reverse was gone. Dropped boat of at dealer to check it out. mechanic calls me 8-7 and ask me what the heck I hit {never told him I hit anything} tells me the gear case is shot {reman $2100} I call my agent and file a report. 8-8, get a call from the inspector to let me know that SHE is going out to look at my boat. 8-9, she calls me back and tells me that she is writing up an estimate for repairs and she will call be the next day.
3 days go by and no call. I call her and she won't return my calls, call my agent and he tells me that she is still working on it and she always returns calls. leave for vacation for a few days. get back home and am driving by the dealer so I stop in to see how repairs are going. they have not heard a word from my insurance. I start calling from the parking lot and no answer and no body will call me back. I finally get her to answer and she tells me her boss has my claim so I get his number and call him. The boss is looking at the pics that she took and tells me it won't be covered because its wear and tear.
I asked if they can send another person out to look at the boat for a second opinion and he tells me no. We had a polite conversation right up till the point that I asked him if he was a boat mechanic or if she was. He gets an attitude with me and tells me that the boat dealer and I are in this together trying to get a claim {first time my boat has ever been to this dealer} and that maybe my mechanic does not know what he's talking about - that's when I got an attitude.
After he hung up on me I went back inside and had a talk with the mechanic and let him know that they are denying my claim, that's when he shows me 3 other lower units that the same guy denied their claims also saying its wear and tear. One of the props had all 4 blades bent the wrong way.
As off today I have been calling them everyday and no calls back. The dealer calls me this afternoon and tells me that the brp evenrude/johnson service representative showed up at there shop for a visit they asked him to look at my lower unit and tell them what's wrong, less than 5 min he tells them that its impact damage. So I guess I will be back on the phone with these idiots tomorrow next step is for me to hire a marine surveyor with my own money. I think that a mechanic with 30 years ex. and the service representative for johnson may know what there talking about. Just my 2 cents on Progressive
Well I called them all day again yesterday and no answer. About 3:00, the boss calls me back. I ask him where do I go from here and he tells me they are done with it so I told him that they need to step up and fix the boat and that they never had a problem cashing my checks. Well here we go again with the normal wear and tear BS. He tells me that the shaft is not bent so that's why that won't cover it. Well we go round and round again then I asked him how the prop got spun of the bearing and - Wait for it - he says well that's from impact damage.
Now it just shoots out of my mouth and I had to tell him that he is a ** idiot. Then he pulls this out of his ** that the gears were not installed correct {first time I have heard this one}. I let him know that I bought the motor new and the gear case has never been opened. Anyway I told him I was hiring a marine surveyor and a lawyer and that's when he gets the attitude again and tells me to do what I need to do. Well just before we hang up I tell him that the service representative was in and looked at my motor and says its impact damage then all of a sudden he has a change of attitude. I just left it at that and hung up.
Well today I called the surveyor to find out some info. At the end of our conversation, he asked me what insurance I have so I told him and says oh so your dealing with - I not going to put there names on here but he already knew about them so maybe there is still hope. My dealer called me today to let me know that they were back in looking at the boat and wanted to know what the service tech had told them. It should not be this hard..
Well as of today I am giving up. I hired a marine surveyor to check the lower unit and Progressive hired one also. They both agreed that the damage was done from impact damage then their surveyor throws in that it "MAY" have been from more than one impact. I call my Progressive agent that I am dealing with and he tells me that its not covered because it "MIGHT" have been more than one impact. What happened to normal wear and tear, bearings installed wrong,
Anyway the next step is to hire a umpire to set down with the surveyors and what he decides is it. That's going to cost another $600 dollars. I was also informed that if he rules in my favor that they will only pay for half the repairs due to the motor being 12 years old. Well repairs are $3300, I have spent $325 on the surveyor, it will cost me another $300 on the umpire then my $500 deductible its not worth it to break even plus my boat storage that I am paying is not cheap and they want their money if the boats there are not.
Anyway I have sent this link for this post to my agent and I also attached it to the other Progressive post on this site so maybe somebody else won't go through this. Now that this is over, I won't you guys/gals that have Progressive and use your boat at the coast from Port O-Conner and south these are the 3 folks that you will be dealing with if you have a claim. These folks have lied to me at every turn the worst customer service I have every dealt with, won't call me back for days. Anyway the parts are on order and I should be back on the water soon.........
Well I just called Progressive to cancel my policy and now somebody cares, she tried hard to get me to stay, they want me to talk to somebody in charge in the claims department tomorrow that should be fun...Well it just gets better all the time, I get a call and when I answer the guy says this is Progressive and I was asked to call you{never says his name}. Well I explain the problems that I have had and start naming names and then the guy stops me and ask me "so what's your complaint" at this point I tell him to have a good day and we hang up.
I had the call on speaker so my wife could here and the whole time I am talking she is laughing at me. After I get of the phone I ask her what's so funny. She pulls a paper out that she has been keeping notes and phone numbers on and looks at the number on my phone and tells me that I was talking to the head Idiot that we have been dealing with at the coast. Anyway we had a good laugh and its over.. My brother called to cancel his policy yesterday and when they asked him why he told them about me so now that want him to talk to a regional manager today...
MAYFIELD, OHIO -- I was refinancing my Home and was told my insurance was high. I looked around for quotes, and because of the Auto Insurance was with Progressive my wife wanted to use their Bundle. Info was exchanged over the phone and I was given a policy that cancelled my existing policy. Within the month I received a letter that they had sent out an inspector who looked at the outside of the house, and based on his inspection they cancelled my insurance.
There was a 12' Lilac bush that touched my gutter, and a screw that was holding a piece of siding in place(That was there when I moved in 7 yrs ago, because I didn't put it there, and it passed the sales inspection, and three apraisals). Basically, they did not want my business, but the agent on the phone had no problem canceling my current policy. DO NOT USE PROGRESSIVE BUNDLE PRODUCT.
Hello, I have my office in a small quaint little East Texas town, it is (or was) a gorgeous old home just off the two lane highway going through town. It is a pier and beam with some of the original bodark stumps. I had just recently remodeled the gorgeous office which is a focal point while driving through town. On May 6 of 2013, a woman insured by Progressive was speeding through town and veered sharp to the right to avoid a car that had their left blinker on to turn into the apartments that I own across the two land highway.
The woman insured by Progressive was rude and upset. She had been texting and looked up to see the car stopped in front of her. The police came, we all took photos, even photos of the insured. The damage to my office building took pillars out, crashed my porch, my new Austin stone, my doors were immediately out of whack and were hard to open, the antique furnishings inside were slanting from the impact and it was clear that the foundation had shifted from various other obvious factors.
Progressive was called and they took weeks to send an adjuster out, when he finally arrived he stated that he was concerned for he had never handled an auto claim where their insured had crashed into a building. As expected from his attitude, it took weeks but the estimate came in at $2500.00 dollars and claimed that their insured had not caused all of the damage.
I threw a complete fit with Progressive and contacted the CEO. I was assured that I would be taken care of. Progressive then sent what they told me was a Texas State Licensed Engineer out to write a report. The report took weeks and my tenant and I waited and waited, we had been told not to use our building until the Engineers report was in.
After weeks of my daily emails requesting that the report be completed, the report came back with a ridiculous finding. The building was fine, according to their "Engineer", I had anticipated some type of Fraud response as I had looked Progressive up with the Texas Insurance Commission and seen that they had been fined many times and paid the fines for using unlicensed individuals to try to pay less on claims.
With this information, I looked up the Engineer, ** with Rimkus Engineering and SURE ENOUGH! ** had been sanctioned in 2002 NEVER to practice engineering in the state of Texas until he acquired his Texas PE License. ** was fined, and ** had recently been fined within months early and Rimkus Engineering hired an attorney to get him off for practicing without his Texas License.
I hired a REAL Licensed Engineer and a REAL foundation company to come in and give reports. This cost money, but I wanted a REAL answer. Sure enough, Progressive had tried to defraud me, as they had many others. I have estimates totaling way over $84,000.00 to make the repairs on my office building, not $2500.00 that Progressive wanted to pay.
To top this off, when we finally re entered my office, an armoire that had been knocked by the impact fell on top of me and pinned me down. I had to have surgery on my knee and am still enduring painful months of physical therapy. Progressive is a terrible insurance company and needs to be stopped. Everyone needs to switch insurance companies. Many innocent people are being defrauded on a daily basis.
I am going to the Texas insurance Commission, they will be fined. I am having to hire an attorney to go after Progressive. Progressive has tried to send a "Licensed Engineer". Now that they have been caught. They had their chance and Progressive has been caught red handed, ONCE AGAIN.
RUSTON, WASHINGTON -- Just sending out a warning about what a terrible company Progressive is for Auto Insurance and how unfair you can expect to be treated. Sure, their TV ads are cute and funny and their premiums are about as cheap. I used them for about three years and thankfully only had to use them for one very minor car repair, which they handled so poorly, I cannot imagine what a nightmare it would have been if it was serious accident. Their customer service is the worst I've ever experienced. And every phone call left me frustrated and with a disdain for the company after they kept me on the phone for up to an hour each call and pass me off from agent to agent, each asking for all my info before they could talk to me.
Here's the deal...I had a policy for myself, my wife and son for about 3 years with Progressive and never had a problem...no accidents, one speeding ticket for my wife, no need for insurance and I always paid 6 months in full to get the top discount, pretty safe risk for an insurance company, I would think. Someone in a truck with a trailer hitch backed into my wife's Audi in a parking lot and did about $1700 damage her car, hit and run style. Not that big of a deal...we paid our $500 deductible and had it fixed, the shop handled all of it. About a year later our renewal came up and our policy had increased about $1200 more for 6 months (I always pay 6 months premium in full), I assumed this must be a mistake...when I call to question the increase, they say because of the accident that shows on our record. I explained that it's not a traffic accident, someone bumped our car in a parking lot. Because of the increase in premium I choose to shop for cheaper insurance, which we found and we changed companies. We continued to receive letters stating that our insurance was going to be canceled, I called before the policy date to tell them I was not renewing my policy and to cancel my policy. They continued to send me letters stating that if I didn't pay my policy would be canceled. After the cancellation date they continued to send me statements and each time they would be billing me for coverage, I would call them to tell them that they can canceled me, and that I had canceled and that they need to stop sending me statements and stop harassing me. They insisted that they have not canceled my policy and that they had been covering me all this time even though I had not paid. Eventually, they said the only way they could settle it was if I could send them a statement from my new insurance policy showing that I was covered after my policy with Progressive had ended...I scanned and emailed that to the proper person and did not hear anything until today almost a year later...from a collections company for Progressive for 6 months premium.... I know I don't owe them a dime and I know I hold the cards here...as long as they continue to harass me I will be spreading my message to as many people as will possibly listen... STAY CLEAR OF PROGRESSIVE INSURANCE. They will suck your time and frustrate the hell out of you.
IDAHO -- I was rear ended from a person insured by Progressive. After a week or two of waiting for them to get back to me, they told me to take my car to Lithia Ford in Boise to get an estimate. We did only to find out that we needed to make an appointment with ONLY their own examiner to look at the car. Now it is over a month and they sent someone who was supposed to call me, the owner to meet with them to look at the car. The guy they sent out to the site where the car was left a check on the front seat for $552.28 to replace a new back bumper, fix the trunk and electric trunk opener, fix the tail pipe, replace the crushed license plate and re-paint.
I was outraged and called Todd to see how he came up with amount. I asked him if he was going to do all that work for $552.28 (Which was less than half of all the estimates we got from repair shops.) Had to ask him twice. He told me no, that he does not do repairs. I called Progressive and had them set up an appointment at the shop so I could have a qualified estimator look at the car. Then the original adjuster's supervisor called me to tell me not to bring it in and that the check amount and claim would stand.
I have already called my agent to have her switch me from Progressive on all my toys and I will spread the news about these frauds anywhere I can. We are also doing up a complaint with the Bureau of Insurance. I am not looking for a new car, just a reasonable settlement at least close to what the estimates we got from reputable shops were. DO NOT GO WITH PROGRESSIVE!!! Try Safeco or anyone else. You get what you pay for.
GLOBE, ARIZONA -- Monday night a deer jumped in front of our car and my wife couldn't avoid hitting it. It damaged the front passenger side so badly that I couldn't open the passenger door. Tuesday morning at 6:30AM I called Progressive. The assured me that they would send someone out to inspect the vehicle on Thursday. I asked, "Why not today?" Their response was "Tomorrow is a holiday". Thursday came and went, without a phone call or a representative as scheduled. I emailed my claim representative and received no response. I called and she said she didn't know anything about it, although I talked to her on Tuesday.
She called back and said that it would be a week before someone could come to look at the car. When I asked why, she said it was because I live two hours from her office. So it's not okay for Progressive (The paid service provider) to be inconvenienced for a few hours, but it is okay for me (The paying customer) to be inconvenienced a whole week without a car to drive. They are supposed to provide a rental car, which they are clearly putting off as long as they can. They didn't even give me a courtesy call to let me know they weren't showing up on their originally scheduled day.
When I complained about the week delay, she suggested I just keep driving my banged up vehicle because it was still "drivable". So what am I supposed to do, jump in and out of the window like the Dukes of Hazard? When I switched over from State Farm, Progressive promised me equal or better service. That was a lie because State Farm would never take more than a day to inspect the vehicle, would never make me wait a week for my rental car, and would never suggest I drive an unsafe, damaged vehicle.
WEST PALM BEACH, FLORIDA -- Car went in for minor front end repair from an accident; 2009 VW Jetta Wolfsburg. Came back with hood and lights all wrong. Hood seemed too long/hooded over the headlights. It appears they used non-oem, perhaps used/refurb parts. Doesn't look right. Worse, the shop they chose apparently can't properly recode a car after taking battery out either. Stereo doesn't work now, which was working when I dropped it off, but of course the stereo now not working as soon as I pick it up is all just a big coincidence. What a crock.
Please, whatever you do, do NOT take your vehicle here for any type of repair. They not only send it off to a repair shop that does a poor job, but also do not care and do not stand behind their work. My wife noticed the front end looked goofy as soon as she saw it... You're telling me their "professionals" (I use the term loosely) didn't notice what my accountant wife picked up on right away?! It's not even her car... I'll update once we get the assessment from a real shop. Plan to also send that report along with our paperwork to the Attorney General in FL. People have to be complaining about this other than just us...
The shop they sent it to isn't even registered with the BBB!!!! This is what we get from an insurance company we have been with for almost 10 years and never had a claim?! STAY AWAY FROM PROGRESSIVE SERVICE CENTERS - THEY PURPOSEFULLY TELL SHOPS TO USE NON-OEM/USED/REFURB PARTS AND COULDN'T CARE LESS WHAT HAPPENS TO YOUR CAR. THEY WILL ALSO STILL CHARGE YOU AS IF THE SHOP DID A TOP QUALITY REPAIR!
The guys working there are NOT repair/automotive trained personnel. They are there to do the paperwork and get the cheapest local shop to do the minimum repairs on your car while still charging you as if they are from a real dealership or autobody shop. We made this mistake by not researching it before we agreed to them "handle" our repair for us because it would be "so convenient".
We were 2+ weeks without a car, got it returned with a goofy looking front end full of crap parts and our premium stereo no longer functioning. THANK YOU PROGRESSIVE FOR SERVICE BEFITTING A LONG TIME CUSTOMER! I'D RATHER PAY MORE SOMEWHERE ELSE THAN GIVE THEM ANOTHER $1.
CALGARY, ALBERTA CANADA, ARKANSAS -- On Wednesday March 23, 2011, I visited Progressive Leasing & Auto Sales for a potential vehicle purchase. Upon arrival I met salesman **. Told him that I was looking and that I would have to get a car loan. ** told me that I could put a deposit down to hold it and if I was turned down for a loan I would get my money back immediately. So I put a deposit down of $2400.00 on their used 2004 Audi A4 1.8T AWD and he had me sign what looked like a sales agreement. ** instantly said not to worry I still would get the deposit back if I hadn't a loan.
Same day Wednesday March 23, 2011, I drove directly to my bank and applied for a car loan with **, Financial Services Rep at Royal Bank of Canada on Strathcona Blvd SW. He informed me that I may not get an approval because of my debt ratio and insufficient credit rating but he will send it into the RBC Loan Center and see what the outcome is.
On Wednesday March 30, 2011, I got a call from ** of Royal Bank of Canada to meet me regarding the loan. Upon my meeting, I was informed by ** of RBC that my application for a car loan was turned down for the reasons he mentioned in our prior meeting a week earlier and was handed the letter of the non approval. Same day March 30, 2011, I called ** of Progressive Leasing & Auto Sales and notified him that I was turned down for the car loan.
On Saturday April 2, 2011, I received a call and spoke to **. He told me to meet him at his office on Tuesday April 5,2011 to pick up my refund deposit check and I said yes I will meet him. Shortly after the call on Saturday April 2, 2011, I received another call from ** telling me that I will not be getting my refund with no explanations and hung up on me.
On Tuesday April 5, 2011, I went to Progressive to see what the calls were about. I spoke to ** and he acknowledged out loud that he did say I will get reimbursed the deposit. When a man by the name of ** stepped in and said NO I won't. I showed him my letter from the bank and asked him why, his response was "that the money was a substantial amount" then walked away.
I then left Progressive Leasing & Auto Sales and filed a complaint (April 5, 2011) with the Better Business Bureau where the officer in attendance informed me that they are supposed to return the money according to the law and handed me the letter of complaint. BEWARE OF THIS COMPANY !!
PROGRESSIVE LEASING & AUTO SALES PERSONNEL IS SHORT On CUSTOMER SERVICE SKILLS, LACK OF MORALS, AND IS EXCEPTIONAL WITH BROKEN PROMISES. They succeed in specializing to rob the public from their hard earned money. Go ahead and just hand over YOUR hard earned money!
Top reasons why I will never switch from USAA to Progressive. Clientele: While driving down the highway, I was struck from the rear by an inebriated unemployed Progressive driver, who was already on probation for DUI. It feels good to insure others who would be court-martialed if they behaved like this individual.
Clarity: When I call USAA, I don't have to be transferred from a National Office to a local office, and since I don't need to be transferred I don't get two different stories about the service they provide. When I call Progressive, the national office tells me that they will go wherever I need, service and inspect the car wherever I like and generally accommodate me.
But when I call the local office I am told I must go to their body shop during working hours have my car checked out. When I call the national office and ask to speak to someone higher up, they route me to another claims adjuster in the same department who also cannot help. No bureaucracy, that's why I love USAA.
Availability: When I call USAA, I am told we will be here all night to help you. My Progressive claims adjuster works only works four days per week.
Attitude: When I speak to USAA about my accident they can't wait to genuinely show concern and look out for my welfare. When I can get a hold of anyone at Progressive, I get terse responses and feigned concern. When I come to the Progressive office, the claims adjuster tells the secretary to take my paperwork and lets the secretary try to determine what is happening with my case because she is too busy to see me (though she saw doing a deliberate about face upon seeing me and calls the secretary twice to see if I have gone away yet).
When she does come to see me she tells me "You just don't know how the insurance business works." Clearly, I don't know how Progressive works, but I know how USAA does, I am treated with respect, concern and prompt service.
Responsibility: When I take the day off work to personally fetch police reports, contact sheriffs departments, rental car companies and bring needed documentation to the office, but am still told that Progressive does not have the documentation to repair my car and that I should contact my insurance company because they can work faster. USAA bends over backward to cover everything, pay out the claim and get my car into the shop though it was no fault of theirs; it consumes their time and resources and involves them unnecessarily.
Understanding and Timeliness: USAA understands when I tell them I am leaving at 5AM for pre-deployment certification training for two weeks and that I will not be able to contact them for two weeks. USAA apologizes for the service that Progressive has provided and stresses that they understand that it is not acceptable to leave my wife without transportation.
The Progressive claims adjustor tells me after an exterior examination of my car that it is not their fault that I am leaving, that the brake light on my dash must have been on before the accident and that my car should be drivable for my wife. Progressive also suggests that I should use my pre-deployment leave to fix the car. In a word USAA understands service.


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Email: Coach Towers
Andrew Towers, a former All-America selection, begins his fifth season as the head coach for Big Green men's lacrosse team and it will be his eighth year with the program.
In his first four seasons, he has had seven players with a total of 11 All-Ivy honors. Towers had three players named in 2010 (one first team and two second team), three in 2011 (one second team and two honorable mention), three in 2012 (one second team and two honorable mention) and two in 2013 (one second team and one honorable mention).
Last year, Towers led Dartmouth to a 3-11 record, including an upset victory against No. 9 Princeton in Hanover. The Big Green finished the season 3-4 at Scully-Fahey field.
In 2012, the Big Green went 5-9, including an upset at 19th-ranked Colgate, 9-6. Dartmouth finished the year winning three of its last four games.
In 2011, the Big Green went 5-9 with an upset over 17th-ranked Harvard, 9-8. Dartmouth also had a three-game winning streak early in the season.
In 2010, the team finished 5-8 overall and placed fifth in the Ivy League at 2-4. The highlight of the season came in an 8-6 win over sixth-ranked Cornell at the 2010 New England Lacrosse Classic.


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|Length Overall
|16' 0''
|Dry Weight
|640 lbs.
|Tested Weight
|Weight Capacity
|Draft Up
|Person Capacity
|Draft Down
|Fuel Capacity
|18 gal.
|Air Draft
|Water Capacity
|Length on Trailer
|Max Headroom
|Height on Trailer
|Bridge Clearance
|Trailer Weight
|Total Package Weight (Trailer,Boat & Engine)
|Prices, features, designs, and equipment are subject to change. Please see your local dealer or visit the builder's website for the latest information available on this boat model.
|Std. Power
|Not Available
|Tested Power
|1 x 50-hp Honda Four-stroke
|Opt. Power
Not Available
|A practical choice for the outdoor sportsman
By Capt. Ron Svoboda
I have to admit, I'm a bit spoiled, especially when it comes to boats. But I also respect utility and minimalism. So when I got the call to test the latest edition to Smoker Craft's American Angler series I went with my bias. After all, I've tested Smoker Craft boats before, and for lack of a better term, they are plush. Well, the 1660 Bass and Bay is not for you champagne drinking types; this is a man's man boat, complete with just the basics, hull, engine and seats, but there are some features that cross the line between comfort and necessity. For instance, a pair of swivel casting chairs comes standard, as does a small helm console and adequate dry storage compartments.
Where the B&B really shines is in its rugged, no nonsense, easy to clean and easy to keep personality. It all starts with a hull built with heavy gauge aluminum that's welded throughout to give decades of faithful service. Then, an all composite floor is installed. According to the company, this flooring material will never rot or mildew, plus it comes with a texturized surface that gives you excellent grip. Finally a set of folding seats are placed at the helm and companion side to give you and your pals a place to sit.
At the Helm
The helm is…well, bland, but then again you don't need much on a boat like this. A fuel gauge, a speedometer and an accessory power switch panel make up the helm's dash. I recommend you have a tachometer installed since most speedos fail or do not read accurately anyways. I also found the driving position very uncomfortable due to un-adjustable seats and non-tilt steering wheel. Remember, I'm spoiled though. On the up side, the helm and companion seats are mounted to boxes that give generous dry storage right at your finger tips.
Fishing Features
Now for fishing fun, the boats forepeak has a full-beam casting deck and uses sturdy diamond plate aluminum for maximum grip and toughness. There is a convenient power plug built into the gunwale for the optional trolling motor and it's all pre-wired. The gunwales incorporate built-in rod holders and a handy shelf system to keep equipment secure and easy to access. At the back of the boat, the 1660 has a raised deck with ample space to cast from and includes a mount for a second bass chair. Below the deck are two storage tunnels and access to the engine's battery box.
Considering the Bass and Bay's purpose in life it accomplishes it very well: rugged utility, value, and fishing fun. So if you're a hardy sportsman looking for a stout, economical mate then I think I have a match for you.
= Standard = Optional
|Warranties change from time to time. While BoatTEST.com has tried to ensure the most up-to-date warranty offered by each builder, it does not guarantee the accuracies of the information presented below. Please check with the boat builder or your local dealer before you buy any boat.
Full Warranty Information on this brand coming soon!


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Nutrition Intervention to Decrease Symptoms in Patients With Heart Failure (NIHFT)
- Full Text View
- Tabular View
- No Study Results Posted
- Disclaimer
- How to Read a Study Record
The purpose of is to test the effects of a 6-month nutrition intervention of dietary sodium reduction combined with supplementation of lycopene and omega-3 fatty acids on heart failure symptoms, health-related quality of life, and time to heart failure rehospitalization or all-cause death.
Heart Failure
Behavioral: Sodium reduction
Dietary Supplement: omega 3 and lycopene supplements
Phase 2
|Study Type:
|Study Design:
|Allocation: Randomized
Endpoint Classification: Safety/Efficacy Study
Intervention Model: Parallel Assignment
Masking: Single Blind (Subject)
Primary Purpose: Treatment
|Official Title:
|Nutrition Intervention to Reduce Symptoms in Patients With Advanced Heart Failure
- Event-Free Survival [ Time Frame: 12 months ] [ Designated as safety issue: No ]Combined endpoint of cardiac-related hospitalization and all cause mortality
- Symptom burden [ Time Frame: baseline, 3, 6, 9, and 12 months ] [ Designated as safety issue: No ]combined score of symptom severity, frequency, and distress for common symptoms of heart failure
- Quality of life [ Time Frame: baseline, 3, 6, 9, 12 months ] [ Designated as safety issue: No ]heart failure related quality of life
- omega-3 index [ Time Frame: baseline, 3, 6, 9, 12 months ] [ Designated as safety issue: No ]the ratio of EPA plus DHA as a percentage of total fatty acids in the cell membrane of erythrocytes
- oxidative stress [ Time Frame: baseline, 3, 6, 9, 12 months ] [ Designated as safety issue: No ]serum levels of malondialdehyde and 8-iso-PGF2a isoprostane will serve as markers of increased lipid peroxidation due to oxygen free radical production exceeding antioxidant capacity
- Inflammation [ Time Frame: baseline, 3, 6, 9, 12 months ] [ Designated as safety issue: No ]Serum levels of tumor necrosis factor-alpha (TNFα), soluble TNF receptors: sTNFR1 and sTNFR2 will be measured as markers of proinflammatory cytokine activity; interleukin-10 (IL-10) will be measured as a marker of anti-inflammatory cytokine activity
- Lycopene [ Time Frame: baseline, 3, 6, 9, 12 months ] [ Designated as safety issue: No ]Plasma lycopene will be measured as a marker intervention effectiveness
- Sodium intake [ Time Frame: baseline, 3, 6, 9, 12 months ] [ Designated as safety issue: No ]Three 24-hour diet recall interviews at each timepoint will be used estimate sodium intake and to identify high sodium foods and eating patterns for the sodium reduction component of the intervention.
|Estimated Enrollment:
|Study Start Date:
|November 2011
|Estimated Study Completion Date:
|September 2015
|Estimated Primary Completion Date:
|July 2015 (Final data collection date for primary outcome measure)
|Assigned Interventions
Experimental: sodium reduction, omega-3, lycopene
combination of dietary sodium restriction with supplementation of omega-3 capsules and lycopene containing juices or foods
Behavioral: Sodium reduction
Teaching and skill building to reduce dietary sodiumDietary Supplement: omega 3 and lycopene supplements
omega-3 fatty acid supplements and juices containing lycopene
Placebo Comparator: Control
Limited nutritional counseling, juice without lycopene, rice oil capsules
Detailed Description:
For a majority of patients with advanced heart failure, medical treatment is only partially effective in relieving heart failure symptoms. Therefore, it is recommended that palliative care be initiated soon after diagnosis. There is a need for complementary, nonpharmacologic interventions that could be easily implemented by health care providers to provide palliative care. Three major pathologic pathways underlying heart failure symptoms have been identified: fluid overload, inflammation, and oxidative stress. Prior research has demonstrated that three nutrients-sodium, omega-3 fatty acids, and lycopene-can alter these pathologic pathways. Clinical trials to date have only tested each nutrient individually. There is strong theoretical rationale that a combined intervention targeting all three nutrients would have substantial benefit in relieving symptoms in advanced heart failure. Therefore, the purposes of this study are to test the effects of a 6-month nutrition intervention of dietary sodium reduction combined with supplementation of lycopene and omega-3 fatty acids on heart failure symptoms, health-related quality of life, and time to heart failure rehospitalization or all-cause death. The aims of this placebo controlled study are 1) to determine the effects of a 6-month nutrition intervention on symptom burden (edema, shortness of air, and fatigue) and health related quality of life at 3 and 6 months, and time to heart failure rehospitalization or all-cause death over 12 months from baseline; 2) compare dietary sodium intake, inflammation, and markers of oxidative stress between the nutrition intervention group and a placebo group at 3 and 6 months; and 3) compare body weight, serum lycopene, and erythrocyte omega-3 index between the nutrition intervention group and a placebo group at 3 and 6 months. A total of 150 patients with advanced heart failure will be randomized to either the nutrition intervention or placebo group (75 per group). The nutrition intervention group will receive a theory based education and skill building intervention designed to decrease dietary sodium intake to ~2 g per day. A research nurse will make 4 home visits and one follow-up telephone call over 6 months to provide the education-skill building intervention. The intervention group will take 3 omega-3 fatty acid capsules (350 mg eicosapentaenoic acid and 50 mg docosahexaenoic acid) and consume tomato juice or other tomato-based products containing 20-25 mg of lycopene daily for six months. The placebo group will receive the same number of visits and phone calls but only general nutrition information will be provided. They will take 3 placebo capsules containing rice oil (500 mg/capsule) and consume their choice of fruit juices that do not contain lycopene daily for six months. Data will be collected in person at baseline, 3 months, and 6 months by a research assistant blinded to the group assignment. Patients will be followed for an additional 6 months by telephone to collect longer term data on symptom burden and quality of life as well as heart failure hospitalization and all-cause mortality at 9 and 12 months.
|Ages Eligible for Study:
|21 Years and older
|Genders Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria:
- chronic heart failure with either preserved or non-preserved ejection fraction
- for chronic heart failure, have undergone evaluation of heart failure and optimization of medical therapy, for patients discharged from hospital for acute/newly diagnosed heart failure, have undergone evaluation of heart failure and optimization of medical therapy for at least 1 month post discharge
- New York Heart Association functional classification of II, III or IV
- have not been referred for heart transplantation
- able to read and speak English
- no cognitive impairment that precludes giving informed consent or ability to follow protocol instruction.
Exclusion Criteria:
- BMI < 17 kg/m2 or > 46 kg/m2
- co-existing illness documented in the medical record known to be associated with systemic inflammation decreased appetite or absorption, fatigue, edema, or weight loss
- currently taking dietary supplements that contain lycopene or omega-3 fatty acids
- allergy to rice bran oil
Please refer to this study by its ClinicalTrials.gov identifier: NCT01733017
|Contact: Jeanine Veezie
|United States, Kentucky
|University of Kentucky, College of Nursing
|Lexington, Kentucky, United States, 40536-0232
|Principal Investigator: Terry A Lennie, PhD
|Norton Health Care
|Louisville, Kentucky, United States, 40217
|Contact: Mary Jo Koller, MSN 502-636-8266 firstname.lastname@example.com
|Contact: Jill Berger, MSN, MBA, RN 502-629-3547 firstname.lastname@example.com
|Principal Investigator:
|Terry A Lennie, PhD
|University of Kentucky College of Nursing
No publications provided
|Responsible Party:
|Terry Lennie, PI, University of Kentucky
|ClinicalTrials.gov Identifier:
|NCT01733017 History of Changes
|Other Study ID Numbers:
|Study First Received:
|November 15, 2012
|Last Updated:
|December 1, 2014
|Health Authority:
|United States: Institutional Review Board
Keywords provided by University of Kentucky:
heart failure
nutrition therapy
quality of life
omega-3 fatty acids
Additional relevant MeSH terms:
Heart Failure
Cardiovascular Diseases
Heart Diseases
Anticarcinogenic Agents
Antineoplastic Agents
Molecular Mechanisms of Pharmacological Action
Pharmacologic Actions
Physiological Effects of Drugs
Protective Agents
Radiation-Protective Agents
Therapeutic Uses
ClinicalTrials.gov processed this record on October 09, 2015