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After the Crunch: A Look at Subprime's Recovery
Automotive News (09/12/11) Mooney, Joan
The subprime market is coming back. Dealerships are finding credit more available this year than during the credit crunch in late 2008 and early 2009. Subprime loans accounted for 40.8 percent of all auto financing in the second quarter of this year, the most growing sector being consumers with credit scores of 550 to 619, according to Experian. However, the current subprime rate, while up from the second-quarter low of 37.2 percent in 2010, is still far below the peak of 46.2 percent in the second quarter of 2007. Several changes have occurred in subprime auto finance since the credit crunch, particularly with regard to the players in the market and the terms of the loans available. Credit is much more available now for subprime customers than right after the crunch as banks consider customers with lower credit scores. The range of subprime buyers' credit scores has also risen, with most lenders now defining subprime borrowers as those below 620 and labeling customers between 620 and 679, who were traditionally nonprime, as "near prime." Lenders have also become more cautious and are not advancing as much over vehicle value. They are also more flexible; many lenders are willing to consider individual applicants who might not seem like good candidates at first and also are being less automated when evaluating credit applications. Other changes include captives offering a range of subprime to build brand loyalty and lenders increasing loan terms to make payments lower. According to Melinda Zabritski at Experian Automotive, advances are also more well-managed by the industry so they are not creating a new crop of customers who owe more on their vehicles than the vehicles are worth. Delinquencies and repossessions are also at near-record lows due to lenders doing a good job of vetting the loans they've put on the books and the good performance of those loans. Even with the gains in the subprime market, lenders still remain cautious because while there are plenty of subprime customers, whether they will have the confidence to buy a car in this economy is still unclear.
Today's Headlines
AFSA News
AFSA Executive Addresses Policymakers on New Regulatory Landscape
On Sept. 13, AFSA Executive Vice President Bill Himpler spoke to an audience of policy professionals, including federal regulatory personnel, about the new regulatory landscape for non-depository financial institutions. Himpler was invited by the Regulatory Taskforce of Women in Housing and Finance, a professional society in Washington, D.C., to give an overview of the Consumer Financial Protection Bureau's (CFPB) new authority under the Dodd-Frank Act. He used the opportunity to introduce the audience to the consumer credit industry, observing that "finance companies represent the oldest and safest form of consumer credit."
Himpler related how the marketplace is reacting to the new regulatory regime and offered his insight into what regulation will look like in the near future. He complimented the CFPB for seeking enhanced transparency and simplification in loan disclosures, while also expressing industry concerns about the looming uncertainty surrounding the new "abusive" standard for financial services, which was established by Dodd-Frank. Reviewing the CFPB's initiative to define "larger participants" for federal supervision, Himpler noted that AFSA has advocated for a reasonable and manageable scope. AFSA encourages coordination among federal and state agencies wherever possible, as substantial regulation of non-depositories already exists at the state level. Finally, he encouraged increased clarity from the CFPB on its enforcement standards.
Himpler closed his remarks by sharing a quote by Muhammad Yunus, an economist and recipient of the 2006 Nobel Peace Prize, "If economists would only recognize the powerful socioeconomic implications of credit, they might recognize the need to promote credit as a human right."
AFSA White Paper Examines Military Lending
AFSA published a white paper on Sept. 12 on recent military lending related state and federal legislation. The paper reports that in the current session 121 bills have been considered in 29 states and the U.S. Congress. Ten states (California, Illinois, Maine, Maryland, Minnesota, Nebraska, North Carolina, North Dakota, Rhode Island and Texas) have enacted legislation. The types of bills introduced include foreclosure prevention, modification of tax exemptions, recruitment incentives, Servicemembers Civil Relief Act (SCRA) benefits, child support obligations and military member surviving spouse benefits. AFSA's white paper also covers court cases relating to service member foreclosures and the FTC roundtables on motor vehicle finance that included panels focused on military consumers.
AFSA Updates Brochure Providing Overview of the Consumer Finance Industry
Recently, AFSA updated its brochure on the consumer finance industry, a resource primarily intended to give new employees of member companies an overview of the industry, beginning with its conception in 1916. The brochure describes the various market segments that make up the consumer financial services industry, including personal loan and sales finance companies, diversified financial services companies, mortgage lenders, payment card issuers, industrial banks and vehicle finance/leasing companies. Employees can also get a glimpse of the various state and federal statutes and regulations that apply to finance companies—including regulations issued by the Federal Trade Commission and state provisions enforced by state banking departments. The guide gives employees information fundamental to understanding this industry as it changes and expands.
The brochure is available under the membership publications section of the AFSA website.
Inside the Beltway
CFPB Changes Course with Mortgage Disclosure ConsolidationReverse Mortgage Daily (09/13/11) Gerace, Alyssa
The Consumer Financial Protection Bureau's (CFPB) "Know Before You Owe" campaign is going in a somewhat new direction in the fourth round of its proposed mortgage disclosure forms. Rather than comparing two different forms, they are comparing two types of loan products. "We're shifting gears for a simple reason: Comparing two versions of a form is useful, but in the real world, consumers should be able to use disclosures to compare different loan offers, not different forms," Patricia McCoy of the CFPB stated on its website. "We want to make sure the disclosure actually helps consumers understand features of competing loan products, from the overall loan amount to estimates of taxes and insurance costs," she added. Like previous rounds, the CFPB is seeking both consumer and industry feedback on whether the form is missing important information or should be presented differently. These loan comparison forms are also expected to be tested for a week in the Springfield, Mass. area.
Policymakers Spinning Wheels on Future of Housing Finance SystemAmerican Banker (09/13/11) Wack, Kevin
Housing finance reform was once again a hot topic of disagreement when a panel of professors testified at a Senate Banking Committee hearing on Sept. 13. The discussion once again consisted of two sides: those who would like a fully private mortgage market, and those who believe that is unrealistic. Both the top Democrat and top Republican on the committee supported reform of the current system, but left their preferences in broad terms. Chairman Tim Johnson (D-SD) did however express concern that eliminating the government's role completely could result in unintended consequences. Senator Richard Shelby (R-AL) criticized the system that led to taxpayer-subsidized risk taking at Fannie and Freddie, but did not call for a fully private system. The Obama Administration laid out a series of housing reform principals in February, but also did not give specifics. A related subject that came up was the maximum limit on loans guaranteed by Fannie, Freddie and the Federal Housing Administration, which will decrease unless Congress takes action this month. Both Richard Green and Adam Levitin, professors who support a government role in the mortgage market, did not object to allowing the loan limit to fall on a small scale, a step that would still leave the limit higher than it was in early 2008.
One-Quarter of US Mortgages Could Get HelpThe Wall Street Journal (09/12/11) Orol, Ronald D.
Almost a quarter of U.S borrowers could eventually gain access to lower rates afforded by the Obama administration's Home Affordable Refinance Program (HARP), according to analysts. Currently, only "underwater" borrowers with a mortgage that is, at most, 25 percent more than their home's current value are permitted to refinance at lower rates under HARP. However, the Federal Housing Finance Agency (FHFA) stated last week that it is analyzing whether it would allow underwater borrowers who owe even more than that cap to participate in the program, a move that comes after President Obama indicated in a speech that his administration was working with regulators on this issue. According to a June report by RealtyTrac, approximately 25 percent of all U.S. homeowners have home loans that are 20 percent or more underwater and almost half of all U.S. home loans are underwater. While analysts from J.P. Morgan have said that they believe changes to HARP are coming, likely in weeks rather than days, analysts at Keefe, Bruyette & Woods said in a report that the chief impediment to refinancing these very-underwater homes is that they don't qualify for securitization even with a guarantee by Fannie and Freddie. However, both groups of analysts believe that reps and warrants relief, which would indemnify lenders from "putback" risk when it comes to mortgages refinanced using the HARP program, is likely off the table.
National and State News
Chicago Tells Mortgage Servicers, Trustees to Maintain Vacant HomesAmerican Banker (09/08/11) Berry, Kate
Chicago's city council has published an ordinance that, effective Sept. 18, requires banks, mortgage servicers and institutional investors to assume liability for the upkeep and security of vacant properties within 30 days after they become vacant. The industry has criticized the ordinance for creating a conflict of interest with trespassing laws because it gives banks and mortgage servicers the responsibility of determining whether a property is vacant, even if the borrower is not delinquent or has not been foreclosed upon. While similar ordinances have been passed by cities, none have been as strict as Chicago's. Chicago's city council is said to have taken action, in part, in response to a Woodstock Institute report published in January that identified more than 18,000 vacant properties in the city, 12,674 of which had been in the process of foreclosure for more than a year. The report also expressed concerns about blight occurring because servicers have walked away from properties, leaving no party designated to deal with problems that arise. Tom Felter, a vice president of the Woodstock Institute, says the ordinance "levels the playing field between servicers that are taking responsibility and those that are shrinking their stewardship responsibilities and not taking the title."
Steady GAP Defies DownturnAutomotive News (09/14/11) Wilson, Amy
Bigger lender advances this year mean more customers are opting for guaranteed asset protection (GAP) insurance. Michael Schwartz, finance director of Galpin Motors Inc., has seen a slight increase in GAP penetration from the drop in 2008 and 2009, to around 35 percent. During the peak of the recession, lenders were limiting advance rates to a minimum of 110 percent of the value of the vehicle, which meant customers "put a lot of money down to get the deal approved, so GAP wasn't as important to them," Schwartz added. However, today advance rates have risen as high as 125 percent, which means down payments are lowering and GAP is back up. Others, like Phyllis McCallie, finance director at Kuhn Honda-Volkswagen, found that GAP penetration stayed steady from the recession through today, but also remains as one of the most important products they sell. About half of respondents of an Automotive News survey found GAP penetration rates to be stable through the recession. Tony Wanderon, former head of Allstate Dealer Services, said that GAP penetration appears to be in the mid-to-upper 30s industrywide, which is about the same as in 2008. GAP take rates were also not affected by the soaring used-vehicle values, likely because many buyers were not aware of this change. Consumers seem to be more influenced by other aspects, such as dealer menu structures and incentive plans, according to Gary Fagg, a consulting actuary with CreditRe. Rates may also be stable because of today's economy. More customers have had experiences with owing more on a purchase – such as a house or vehicle – than it was worth, which makes them more prone to purchase GAP insurance. Retailers have also concentrated on alternative products such as prepaid maintenance or service contracts, as they can apply to more customers.
Credit Cards: Set to Get a Lot Smarter?The Christian Science Monitor (09/10/11) Svensson, Perter
The U.S. is the only developed country that still uses debit and credit cards containing black magnetic stripes that must be swiped through retail terminals. Other industrialized nations have switched or are in the process of switching to "smart" chip-based cards. Information stored on magnetic stripes can be copied. As a result, card fraud and prevention measures cost U.S. merchants, banks and consumers billions each year. Smart cards with built-in chips can't be copied because they hide information that can only be revealed with the right key. The U.S.'s slow adoption of smart cards has started to cause problems for residents traveling abroad. Some European stores and restaurants do not accept magnetic-stripe cards, and the cards don't work in European automated kiosks that sell transit tickets. Some U.S. banks, like Wells Fargo, have started issuing smart cards to customers who travel abroad. Because magnetic stripes are so widespread in the U.S. payment system, banks, payment processors and retailers have not reached consensus on how to transition to smart cards. Stores haven't installed terminals for smart cards because banks haven't issue them and banks haven't issue them for the most part because stores won't accept them. However, Visa announced new policies last month that will provide a reason for U.S. banks to issue smart cards and stores to accept them over the next several years. In 2012, Visa will begin enticing merchants to switch most of their terminals to ones that accept smart cards by not requiring them to have their payment-system security checked every year. Then, in 2015, Visa will shift the liability for a certain kind of fraud from the banks to stores. If a merchant can't accept a customer's smart card and has to fall back to using the backup magnetic stripe and that transaction turns out to be fraudulent, the payment processor will be liable, rather than the banks, who are currently liable for this type of fraud. The change will give banks an incentive to market chip-based cards to consumers, since their fraud liability will be reduced when these types of cards are used. Javelin Strategy & Research estimates that transitioning to chip-based cards will cost about $8 billion, mostly for upgrading payment terminals in stores.
Springleaf CEO RetiringEvansville Courier & Press (09/14/11) Orr, Susan
Springleaf Financial Services announced that their chief executive officer, Frederick Geissinger, will be retiring on Oct. 1. Geissinger has been Springleaf's top executive for 16 years, leading them through some major changes, including being acquired by American International Group (AIG), weathering the recent financial crisis, and Fortress Investment Group acquiring 80 percent interest in the company from AIG last fall. Jay Levine, who has more than 25 years of experience in the financial services industry, will be taking his place as president and chief executive officer. Levine most recently served as CEO for RBS Greenwich Capital, and prior to that, was responsible for "building a market for a number of innovative mortgage products that extended housing finance to a broader range of borrowers," while working at Salomon Brothers, Springleaf said in their statement. Under Levine's leadership, Springleaf will still maintain its focus on "the needs of the American consumer," Barry Roberts, Springleaf's marketing director, stated. "We are still in the same business that we have been in for 90 years; consumer lending and personal finance," he added.
AFSA Newsbriefs
AFSA Newsbriefs is a weekly executive summary of AFSA initiatives and consumer credit articles. AFSA Newsbriefs is free for members. Send an email to email@example.com to subscribe.
AFSA's mission is to protect and improve the consumer credit business, maintain a positive public image, and create a legislative climate in which reasonable credit regulation can and will be enacted. The association operates in the public interest, encourages and maintains ethical business practices, supports financial education for consumers of all ages, and provides other assistance in related fields on an as-needed basis.
The American Financial Services Association has provided services to its members for over ninety years. The association's officers, board, and staff are dedicated to continuing this impressive legacy of commitment through the addition of new members and programs, and increasing the quality of existing services.


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A beautifully crisp site for an independent coffee house in central London. I love the extensive use of photography and superb typography.Posted in Web Design → Food
Here is the newly-launched site for the Waterloo Cedar Falls Symphony. They are a small but growing organization that wanted a new identity and site that could attract a younger audience and visually reflected their new direction as a symphony. Designed and developed by Mission Media in Baltimore.Peter BrownPosted in Web Design → Music
A superb site for a production company that uses video in a fascinating way.Posted in Web Design → Blog
An interesting site that uses orange on black effectively to make an impact. I particularly like the iconography and use of type.Posted in Web Design → Blog
Responsive website design and IA for Sydney's illustration and design studio, RedApe. The use of colour and imagery is striking.Leonardo KesselringPosted in Web Design → Design
A fully responsive website that utilises large photographs as the background.Yoke D.Posted in Web Design → Corporate
It's my personal and professional playground, so I wanted something that would reflect both my individuality and professionalism as a web designer. Heavily inspired by traditional Japanese art, I wanted something very simple yet striking. Future oriented as I am, I've created a layout that will be able to evolve.Lena StamenkovicPosted in Web Design → Portfolio
A responsive site designed to showcase mobile wallpapers. I like the use of colour and the visual appeal of this layout.Ray CheungPosted in Web Design → Blog
Strictly geometric Logo for the Design Bureau iNKMYDAY!, mainly focusing on new media and visual identities.Lucas HölzenbeinPosted in Branding → Logo
This is a clean, rather minimalistic website of a passionate digital agency from Finland that specializes in creating stylish and easy-to-use services for the digital world. It has a nice use of whitespace and a fresh look.Joonas VirtanenPosted in Web Design → Design
A brilliant concept for an app icon that brings together two ideas in a coherent way.Posted in Interface → iPhone App
A striking site for a clothing company that uses vertical scrolling and imagery in a powerful way.Posted in Web Design → Misc
Bluestepstudio is a creative design studio from Italy specializing in digital design and development.Andrea SotgiuPosted in Web Design → Portfolio
A strong responsive theme for an online shop that comes with lots of different styles.Posted in Web Design → Corporate
Simple Mag is a responsive, retina ready, minimalistic magazine theme with lots of useful, unique and awesome features.Posted in Web Design → Magazine
A superb site for an organic farm that uses vertical scrolling and images in a really engaging way.Posted in Web Design → Food
The Band Agency, building long-term Victoria Advertising solutions and Web Design in Victoria, BC Canada.The Band AgencyPosted in Web Design → Portfolio
A straightforward logo for a fashion app that immediately grabs your attention.Posted in Interface → Element
SAGR Logo Design: Initial Concept 1 of 3.Samadara GinigePosted in Branding → Logo
I make complex interfaces feel simpler and ease the communication between a human and a device.Cosmin NeaguPosted in Web Design → Portfolio

subset: commoncrawl


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Today I spoke with the woman who oversees Cork's unit and she agreed to shred the visitation forms for me. Honestly, I hate even writing this post. I feel like a total wimp. Pursuing Cork, however, just makes me feel too exposed. Yesterday my kids were playing in the backyard and I kept wondering what I'd do if, at that exact moment, an ex-con knocked on my door with an unfriendly message for me from the man who murdered my grandfather.
The odds are slim that he would get his hands on my home address. The odds are even slimmer that he'd be able to somehow "get" to me. But I just feel a little less safe knowing that my personal data is in the same building with him. Actually, I feel a lot less safe.
This is a hunt, a real journey, an honest search for me to get as close as I can to the truth of my grandfather's life and death. But this journey is not and never will be the center of my life. I have a family that moves and breathes regardless of what happened 38 years ago. I've been blessed beyond my wildest dreams with an amazing life. I don't want to put even the smallest portion of it in jeopardy for what really amounts to a hobby that's lasted for four and a half years.
I'm sad. I'm feeling quite reflective about all of this. I've devoted so much time and so many hours and so many resources to this journey with the hope that it would yield something rich for me. In many ways it has and it many ways it hasn't. Making that call today brought me relief that I could protect my info from a murderer, shame for being so fearful, and a sadness because I was closing a door that I'd hoped for so long would open.
I don't know how much longer I'll continue to post here. I thought I was finished "making the movie", but the producer mentioned the other day that we need to shoot just one more on-camera interview of me. There are a few moments that need to be explained more clearly, and then Raymond is trying to work out some final moments to sum up my thoughts on Booker's life. That's the hardest part.
It used to be that whenever I thought of my grandfather I swelled with pride. Now it's different. I picture a man who smiled for everyone. He protected and taught his children, all the while showering them with joy and good times. But this same man was beaten by the police and possibly harassed by them more than I will ever know.
Just before he died, my grandfather told my aunt that if anything ever happened to him she should know that he'd lived a good life. Who says things like that when they're only 46 years old? I keep wondering whether or not he endured continual harassment from the police. Was he receiving threats? Did he think someone was coming for him?
He just strikes me as lonely. I wish I could find someone who he talked to about the beating. I wish someone could tell me that he'd made peace with it all. But if he never talked about these things, if he just kept them inside, could he have ever really found peace?
I often think of him as someone who was given a life of sour lemons (separated from his mother, raised on a plantation in poverty, working full time at 14, living in a town where whites took a hard stance against integration), but he took those lemons and he made lemonade. Whenever I try to stop my summation of Booker Wright's life there, another voice always seems to echo back to me, "Who could he have been had he been given something besides lemons?"
This brings me to another thought. Not that my grandfather was necessarily a civil rights hero - he was an everyday guy who simply did the right thing. But, I think the danger of focusing so much on the heroes of the civil rights movement is that we forget the reason why there even had to be a movement in the first place. We celebrate Martin Luther King, Jr. for his accomplishments, but maybe all he wanted out of his life was to watch his children grow up. Or maybe he would've been the first black president. We will never know.
I am proud that Booker Wright owned his own business and was able to spend the last several years of his life working for himself. Booker's Place was on one of the roughest streets in town. My grandfather did his best to ensure that it was the nicest place on that street.
What kind of a place could he have opened if banks back then lent money to blacks? What could Booker's Place have been if all restaurants were integrated? Who could Booker Wright have been if more than two jobs (waiter or cotton picker) were available to him in Greenwood all those years ago?
He was a big fish in a small, black pond. But who could he have been if the pond had always been integrated?
Tuesday, November 1, 2011
3 comments:
- Sherry (firstname.lastname@example.com)November 1, 2011 at 10:42 PM
Hey again, Yvette. Lots of thoughts would love to e-mail you about! Write if you feel like it.ReplyDelete
- AnonymousNovember 4, 2011 at 8:40 PM
So sorry and happy at the same time. You owe it to all your public to continue to publish! This journey is absouletly fab. and when it ends you will find something else interesting to do that we will enjoy.ReplyDelete
Thanks so much for the encouragement. I am kind of coming out of the fog a little bit. There have been some amazing highs and some definite lows in this journey. I'll keep blogging!ReplyDelete
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About the Show
Premiering to a record-breaking audience high, the top-rated high-stakes culinary competition series Chopped Canada returns for a second season with three new celebrity judges, even more challenging ingredients, special themed episodes, and chef contestants from all over Canada. In each episode, four chefs compete before an all-star rotating panel of three expert judges. Armed with skill and ingenuity, the chef competitors race against the clock to turn mystery ingredients into an extraordinary three-course meal. Course by course, the judges chop the chefs from the competition until only one remains. With $10,000 on the line, the stakes are high. Who will survive the chopping block?
Exclusive Chopped Canada Photos
Favourite Chopped Canada Inspired Recipes
Miso and Citrus-Glazed Pork Tenderloin with Roasted Brussels Sprouts and Apples
Couscous, Feta and Currant-Stuffed Grape Leaf Rolls
Seared Scallops with Ginger Carrot Purée and Apricot Caper Salsa
Latest News
Best Reactions from the Chopped Canada Chefs You Gotta See
The Chopped Canada kitchen can be an emotional roller coaster for the chefs who are thrown into a ticking time bomb of culinary…
Introducing Chopped Canada's New Host
Time starts now for Brad Smith! The CFL veteran, food lover, entertainment reporter and the star of the premiere season of The…
FNC Celebrities Show Support and Thrill Taste Buds at Second Harvest Fundraiser
Food Network Canada celebrities Michael Smith, Roger Mooking, John Catucci, Mark McEwan, John Higgins and Bob Blumer came together…


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'Biking for Boobies' team stops by Roswell
Nate Frankoski, left, and Mike Buonaiuto are biking 3,700 miles from Boca Raton, Fla., to Los Angeles to raise money for The Breast Cancer Research Foundation. (Jill McLaughlin Photo)
Two Florida men dressed in colorful body tights are on a cross-country mission to save "boobies."
Mike Buonaiuto and Nate Frankoski are peddling their way across the southern U.S. to raise money for breast cancer research and stopped to take a break in Roswell Thursday.
They left Boca Raton, Fla., Aug. 24, and hope to finish their 75-day trek in Los Angeles, Nov. 3.
"We plan on Login to read more
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Garrett Leight California Optical may be relatively young—it was founded just four years ago—but, as the son of an industry heavyweight, Leight has more than his fair share of experience with great sunglasses and frames. We have the goods on … read more →
Every week, we sit down with Nick Wooster—our very own in-house style expert and all-around dapper gent—to take a look at what's on the horizon and call out a few favorites. Here, his take on the cream of the crop … read more →


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An Evaluation of Financing and Development of Small and Medium Enterprises in Mombasa County, Kenya
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Date Added: Jun 2013
Format: PDF
The purpose of this paper was to establish the relationship and the link between financing institutions and the level of development, growth of small and medium enterprises in Mombasa County. In the course of the research it was found out that many factors contribute to the growth and development of SMEs in Mombasa County as it is also envisaged in other parts of the country. However the element of financing came out clearly as a major factor that contributes positively to the development of SMEs. The research covered various categories which included but not limited to formal, informal, public and private owned enterprises.


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The shallow end of the pool.
There's a certain thing that happens between men and women. Most people don't seek out it out, but once you've fallen into this particular relationship with someone, it's hard to undo. Most people might not even admit to themselves that there's anything wrong with behaving this way. It goes like this. I'm single. He's single. I have needs. He occasionally fills them. He can fix that broken drawer, listen to me vent about my job, my family, my friends. He boosts my confidence, makes me laugh, splits the check, the list goes on and on. I love him, but I see all his flaws and I don't want them to be my problem. At one time I thought I really wanted to be with him, but now I'm not so sure.
Why? I don't really want to be in a relationship with him. Why not? Honestly, I'm waiting for someone better to come along. Until then, he'll do. My good friend Colleen calls this behavior cheating at the game of life. And she's right. Not only am I cheating him out of the possibility of any true intimacy with me, I'm cheating myself out of experiencing intimacy. Because if I'm really honest, since I have a go-to person to do the stuff I don't want to do, I'm not going to spend a lot of time looking elsewhere. I'm too busy living my life which is code for too busy indulging my ego. Besides, he's doing the exact same thing to me.
Every time I'm unwilling or unable to open my heart, every opportunity I get to dive in with another person, but choose the shallow end of the pool, I'm cheating myself. While I don't really want to, I do it because I don't want to get hurt. How can I be hurt if I don't put myself out there? But by not putting myself out there, I'm sending a huge message that I'm not available. And I'm not because I've unconsciously settled for the person I've already decided I'm not going to settle for.
A few people I know are doing this with someone right now. Maybe it's not wrong for them. But it feels awful to me.
Incorrect source, offensive, or found a typo? Email us (please put title in subject bar of email so we'll be able to fix). Or do you want to write for Elephant?
{Waylon H. Lewis C Enterprises 2015: Use Rights in perpetuity. Ownership remains with author.}
4 Responses to "The shallow end of the pool."
Marlene, I appreciate your honesty here. At least you realize this and as we all know, that is the first step to any and all change. I see that you are into Holistic Health. I am a Holistic Health and Nutrition Coach, and I always try to work with my clients to get them to tune into all aspects of their lives so they can be truly healthy. No doubt that happy relationships are key to healthy,fulfilling lives. Yes, it can be scary to jump into the "deep end" but oh so worth it. And if we want to allow the relationship we desire to come into our lives, we must make space for it. The "shallow end" relationship will actually block the real thing from coming through. You are lovely! I know someone perfect is out there waiting for you in the deep end!
Thanks so much for sharing your thoughts and for the wonderful compliment, Anita. You made my day!
Kind of reminds me of http://www.youtube.com/watch?v=rZoD8JEFjAE
[…] The view ripples. The distance swells and pulses. Empty spaces left by cliff faces work like magnets on his mind. It's a sensation somewhere between sinking and swimming. […]


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By Rebecca Lewis. CREATED Jan 25, 2014
Las Vegas, NV (KTNV) -- Many people look forward to this time of year because it means Girl Scout cookie time.
Saturday morning, hundreds of Girl Scouts gathered at Town Square for a kick-off celebration.
They had plenty of festivities, including the Thin Mint Sprint 5K and the one-mile Shortbread competition.
If you want to get your child involved in Girl Scouts, it's open to girls ages five through 17 in Southern Nevada.
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Effect of Bosentan on Exercise Capacity at High Altitude
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- No Study Results Posted
- Disclaimer
- How to Read a Study Record
This study is to determine whether bosentan will alter exercise capacity after rapid ascent to high altitude.
We hypothesize that bosentan administration will improve arterial oxygenation and exercise capacity.
Pulmonary Hypertension
Drug: Bosentan administration
Phase 1
|Study Type:
|Study Design:
|Allocation: Randomized
Endpoint Classification: Pharmacodynamics Study
Intervention Model: Crossover Assignment
Masking: Double-Blind
Primary Purpose: Treatment
|Official Title:
|Effect of Bosentan on Exercise Capacity at High Altitude
- Exercise Capacity
- Pulmonary artery systolic pressure
- Hemoglobin oxygen saturation
|Estimated Enrollment:
|Study Start Date:
|July 2006
|Study Completion Date:
|February 2007
Both the prostacyclin and the nitric oxide pathways are important in modulating hypoxic pulmonary vasoconstriction (HPV). There is little information about the role of the endothelin pathway at high altitude. The endothelin pathway involves the activation of two distinct receptors, A and B. Bosentan is a nonpeptide, specific, competitive, dual antagonist of both endothelin receptor subtypes. The primary objective of this study will be to determine the effect of endothelin receptor blockade with bosentan on exercise performance and HPV. This is a prospective, double blind, placebo-controlled, randomized cross-over study involving healthy subjects aged 25-55 years of age. Subjects will undergo echocardiography and exercise testing at low altitude (< 500m) and at 3800m. Subjects will receive either bosentan vs. placebo and will be studied at low and high altitude on two occasions in a crossover design. Primary outcome measures will be pulmonary artery systolic pressure measured by echo-Doppler and exercise capacity. A better understanding of the role of the endothelin pathway in HPV may lead to improved treatments for some patients.
|Ages Eligible for Study:
|18 Years to 55 Years
|Genders Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria:
- Normal healthy subjects aged 18 - 55 years
Exclusion Criteria:
- Pregnancy
- Heart, lung or liver disease
- Use of glyburide, cyclosporin A
Please refer to this study by its ClinicalTrials.gov identifier: NCT00432978
|United States, California
|VA Loma Linda Healthcare System
|Loma Linda, California, United States, 92357
|Principal Investigator:
|James D Anholm, MD
|VA Loma Linda Healthcare System
|Principal Investigator:
|Katja Ruh, MD
|Loma Linda University
No publications provided by VA Loma Linda Health Care System
Additional publications automatically indexed to this study by ClinicalTrials.gov Identifier (NCT Number):
|ClinicalTrials.gov Identifier:
|NCT00432978 History of Changes
|Other Study ID Numbers:
|00534, Prom: 0030
|Study First Received:
|February 6, 2007
|Last Updated:
|April 17, 2007
|Health Authority:
|United States: Federal Government
Keywords provided by VA Loma Linda Health Care System:
Additional relevant MeSH terms:
Hypertension, Pulmonary
Lung Diseases
Respiratory Tract Diseases
Antihypertensive Agents
Cardiovascular Agents
Pharmacologic Actions
Therapeutic Uses
ClinicalTrials.gov processed this record on October 06, 2015


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Pregnancy: Third Trimester Community
You're in the home stretch! For weeks 28 through 40-plus, we are talking ... more
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My Communities
My Discussions
My Email Digests
while i was there i ended up going into preterm labor again with contractions every 7 to 9 mins. they gave me a couple shots to stop the contractions & got sent home. next day i went back to get the second dose of steroids & everything was fine. till the next day at my follow up appt.
the meds they gave me were not working & i was still having contractions as i was in the office for my follow up so doctor gave me another ultrasound of my cervix which thinned out quite a bit more then the last time she checked. i was admitted back into l&d when my contractions were getting worse. they kept giving me shots to stop the contractions which didnt work so they changed the meds & finally got them stopped!
soo i am at home now on bed rest bored out of my mind but feeling better. i am on 32 weeks & need my baby girl to cook some more! hopefully she makes it till at least after the baby shower on march 14!
thanks for listening!View Thread
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Arizona adjuster license, residents and non-residents who are not licensed in their resident state or who live in non-licensing states, must take the Arizona state exam administered by Prometric. Arizona does grant reciprocity if you hold a license in your resident state. There are no continuing education requirements for licensed Arizona adjusters.
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Arizona Department of Insurance, 2910 N. 44th St., Suite 210, Phoenix, Arizona 85018-7269
Phone: (602) 364-4457, Fax: (602) 364-4460, Email: firstname.lastname@example.com (no file attachments please)
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Friday, January 25, 2008
© Copyright 2015 Gwinnett Daily Post
ATLANTA - A 73-year-old Stone Mountain doctor was sentenced to a lengthy probation stint Thursday for his a role in a health care scheme.Dr. Totada R. Shanthaveerappa, known to some patients at "T.R. Shantha M.D.", pleaded guilty in October to health care fraud, after he masked the type of drugs and treatments he provided patients. In 2005, authorities said Shanthaveerappa treated patients with cancer and other life-threatening diseases with weed-killer and insecticide. Shanthaveerappa was sentenced in federal court Thursday to five years probation. He was also ordered to pay $650,000 in restitution. The doctor owned and operated a Stockbridge medical clinic under the names "Integrated Medical Specialists" and "Integrated Chemotherapy Specialists." He had practiced in Georgia since 1972, until his license was suspended by the Georgia Board of Medical Examiners in December 2005. Shanthaveerappa admitted to defrauding health insurance companies by submitting false claims for payment, which disguised the types of drugs and treatments that he provided to patients, authorities said. Court documents show Shanthaveerappa also mislead clients. He advertised that his clinic practiced "safe and effective, nontoxic, scientifically-based alternative" medicine that could "cure or control most cancer and other chronic disease," according to court documents. "(He) defrauded the health care system and posed a threat to the public health ... with unapproved procedures and drugs," said U.S. Attorney David Nahmias.
More like this story
- Norcross chiropractor sentenced to 3 years ( January 16, 2009 )
- Braselton clinic expands
Space allows more services to be offered ( August 19, 2007 )
- Norcross clinic owner gets 2-plus years in healthcare fraud case ( December 22, 2014 )
- Pharmacist to help fraud prosecution ( March 5, 2009 )
- Man guilty of fraud ( April 19, 2007 )


text:
Superstorm Sandy live video: Weather Channel offers streaming updates on massive storm
Hurricane Sandy is churning off the East Coast and is expected to join up with two other weather systems to create a huge and problematic storm affecting 50 million people.
The superstorm is expected to directly affect 19 states -- Carolinas, Connecticut, Delaware, Kentucky, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Tennessee, Vermont, Virginia, Washington, D.C., and West Virginia.
Watch live updates from The Weather Channel embedded in the video player below.


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What to Submit?
Recently I was impressed by two poetry contests here at Soup: the one where you had to write a tanka about your favorite color of rose and also the recently judged contest on color! Joining in with that same theme, I want you to combine the two ideas. I would like ONE TANKA on your favorite color. The TANKA should make me feel the essence of your color. Use any or all of the five senses to get across the beauty of your color and/or the emotions it evokes. Don't TELL/ Just SHOW ME.
RULES: I won't be tracking people down any more if they don't follow the rules. You must follow these easy rules or be eliminated:
RULE 1: ONE tanka only and a tanka about your favorite color ( I accept traditional 5/7/5/7/ 7 line rule OR the modern way with fewer syllables.)
RULE 2: Follow the rules of good tanka. Here is a website that explains very well how to write a good tanka: http://www.wikihow.com/Write-a-Tanka-Poem
RULE 3: NO NAMES. I like to be surprised. If there is a name on it, I'm sorry, it won't be on the list.
RULE 4: DATE your poem and make it a NEW ONE. If it is from a previous contest, I will probably have seen it!!
RULE 5: The TITLE is the NAME OF THE COLOR: That way I will know not to click on your poem and see your poem before I have judged the contest.
That's it. PLEASE PLEASE follow my rules!! I hate to disappoint good writers!
And here is an example, one of my poems on the color blue:
Bluebells bloom in spring;blue birds sweep cerulean skies;azure seas shimmer. . . . Why then is a word like blueused when folks are feeling sad?
Prizes: number of placements determined at time of judging.
Preparing Your Entry
Submit one copy of your poem online. Format your poem. Please make your entry easy to read — no illustrations or fancy fonts.
English Language
Poems should be in English. Poems translated from other languages are not eligible, unless you wrote both the original poem and the translation.
A Note to Poetry Contestants
You are welcome to enter this contest, whether or not you won a prize in one of my previous contests.


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University of Notre Dame
From Wikiquote
(Redirected from Notre dame)
The University of Notre Dame du Lac is a private Catholic research university located in Notre Dame, Indiana.
|This theme article is a stub. You can help Wikiquote by expanding it.
- Here, faith and football are intertwined. Thus the 132-foot-tall mosaic of Christ on the south wall of the Hesburgh Library is known as Touchdown Jesus, and a statue that depicts an Old Testament patriarch... is better known as First Down Moses... That confluence of God and gridiron even inspires humor. In the heated era of the 'Catholics vs. Convicts' rivalry with Miami, an annoyed Hurricanes chaplain declared that God doesn't care who wins a football game. "I don't think God cares who wins, either," agreed then Fighting Irish coach Lou Holtz. "But His mother does."
- John Walters, "Roadtrip: South Bend, Indiana," Sports Illustrated on Campus (2003-11-04), p. 8
- There is no academic virtue in playing mediocre football and no academic vice in winning a game that by all odds one should lose...There has indeed been a surrender at Notre Dame, but it is a surrender to excellence on all fronts, and in this we hope to rise above ourselves with the help of God.
- Rev. Theodore M. Hesburgh, C.S.C., "The Facts Of The Matter," Sports Illustrated (1959-01-19), http://sportsillustrated.cnn.com/vault/article/magazine/MAG1070047/1/index.htm


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Illustration of pulsatory functionalism
pulsatory functionalism
According to Andrei Poglirowski, pulsatory functionalism is a non-durational principle of perceiving and rendering pulsations. He contends that it not the duration of a pulsation series that counts but rather their quality, e.g., whether they derives from a previous context (like an afterbeat), whether there is an ensuing pulsatory context (such as a downbeat determining and afterbeat), and whether they tend towards ensuing pulsations (like a fast appoggiatura or an anacrusis).
Rhythm and Meter
View Glossary
View Bibliography
Add to Glossary
Add to Bibliography


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Accreditation statement.
This document provides information about all agencies that accredit Cumberland University.
All faculty, staff, students, and administrators
Accreditation statement
Cumberland University (CU) is chartered by the State of Tennessee and is accredited by the Commission on Colleges of the Southern Association of Colleges and Schools (www.sacs.org) to award associate, baccalaureate, and masters degrees. Contact the Commission on Colleges at 1866 Southern Lane, Decatur, Georgia 30033-4097 or call 404-679-4501 for questions about the accreditation of Cumberland University. The Universitys undergraduate and graduate teacher education programs are approved by the Department of Education of the State of Tennessee (Office of Teacher Licensing, 5th Floor, Andrew Johnson Tower, 710 James Robertson Parkway, Nashville, TN 37243-0377; Telephone Number 532-4885). The Bachelor of Science in Nursing (BSN) program is accredited by the National League for Nursing Accrediting Center (61 Broadway, New York, NY 10006; Telephone Number 212-363-5555 x153) and approved by the Tennessee Board of Nursing (Cordell Hull Building, 426 5th Avenue North, Nashville, TN 37247; Telephone Number 532-5166). Cumberland University, through its Labry School of Science, Technology, and Business, is nationally accredited by the Association of Collegiate Business Schools and Programs (ACBSP, 7007 College Boulevard, Suite 420, Overland Park, Kansas, 66211) and offers the following business degrees: Bachelor of Business Administration (BBA) and the Master of Business Administration (MBA).


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A Baroque Christmas Concert
Posted on Wednesday 23 January 2013
College Choral Society and Soloists give inspiring performance
Once again the Dame Kelly Holmes Sports Hall was converted into a magnificent venue for the end of term concert presented by the College's Choral Society and soloists. The theme of this year's event was "A Baroque Christmas" and the programme was both seasonal and inspiring. It was also extremely challenging – albeit a challenge that was splendidly met by all involved.
The first piece of the evening was J.S. Bach's awe inspiring Cantata for Advent Wachet Auf!, a multi-movement work which opens with a complex contrapuntal chorus. It was a splendid vehicle for the 120 strong Choral Society to really show what they could do as their combined voices filled the large space, souring over the St Paul's Sinfonia, and certainly proclaiming "Sleepers, Awake!". Singing in the original German, the confidence and assurance of these fine young musicians was spellbinding not least in the solo movements which followed. Anita Lane and Jemma Mitchell (sopranos) joined forces with basses Jesse Bishop, George Bowen and George Priestly to give voice to the text in which the waiting for Jesus during Advent is represented by the waiting of a bride for her bridegroom. Whilst Anita and Jemma were both experienced soloists (who sang beautifully throughout) the three basses were all making impressive debut performances as solo singers, not that anyone would have guessed that this was a first appearance for any of them, such was their composure. The great cantata ended with a rousing chorale for full chorus.
The approach to Christmas was then picked up in the second work - Vivaldi's vibrant and dramatic setting of the Magnificat text. This Latin text conveys the words of Mary as she is told by the angel of what is come. At times solemn and at times joyful, the chorus with a rich and colourful tone, projected the true sense of the music to all. They were also joined by more soloists from the department, namely Eleanor German, Beth Mabin, Martha Woodhams and Pippa Barlin (sopranos), Alexandra Baker and Jacquie Rowe (alto), Jago Thornton (tenor) and Aedan Day (Bass). The sense of style and musicianship displayed by these young singers could not help but impress everybody there.
The evening concluded, naturally enough, with the birth of Jesus as depicted in Buxtehude's Ein Neugeborne Kinderlein. With a wonderful sense of spontaneity and with a smile on their faces, the Choral Society brought this uplifting evening of seasonal music to a triumphant end.
Speaking after the concert, Director of Music, Paul Bambrough said "I am absolutely thrilled with this evening. To sing such difficult music, in its original language on just nine hours of rehearsal is a magnificent achievement. Whilst many would say it couldn't be done, here at Farnborough we'd rather say, "Let's do it"! I am immensely proud of each and every musician who took part in this extraordinary concert."


text:
Staff Profile
Karen Schomaker
Senior Coordinator for Community Service
Location: Modular Unit #2
Phone: (805) 493-3680
E-Mail: firstname.lastname@example.com
Lynchburg, VA
Graduating Institutions
Christopher Newport University, B.A.
Old Dominion University, M.S.Ed.
Years Worked at CLU
4 years
Student Affiliation Groups
Community Service Center
Interfaith Allies
Relay for Life
Circle K
Favorite Place on Campus:
Chapel Rose Garden
Favorite memory at Cal Lutheran:
"Shout" dance party with the CSC at the end of Yam Yad 2012
Lilith the Cat and Bill the Fiance
Balcony-Hammock Enthusiast
Favorite Place to Hangout Nearby:
Ventura Harbor
Coffee Order:
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Favorite Food:
Other Info:
Go Redskins!


text:
[SLAC] [SLAC Pubs and Reports]
The Spin Structure of a Polarized Photon
Full Text
- slac-pub-7819 (201 KB)
Compressed PostScript
- slac-pub-7819 (96.3 KB)
Alternate download methods: old, ancient*
*download methods - technical info
- slac-pub-7819 (4.13 KB)
More InformationFull bibliographic data for this document, including its complete author list, is (or soon will be) available from SLAC's SPIRES-HEP Database.
Please report problems with this file to firstname.lastname@example.com. The SLAC preprint inventory is provided by the SLAC Technical Publications Department.
Page generated 04 Apr 2001 @ 15:08 PDT by htmlme.pl


text:
- Show Prep
- Listen to FTL
- FTL Info
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Three men claiming to be FBI agents forced their way into a Burbank home just after midnight Wednesday and made off with $20,000 in cash, police said.
The men, clad in dark clothes, gloves and ski masks, banged on the door in the 1000 block of East Fairmount Road, identifying themselves as federal agents to the married couple and their teenage son inside.
When the residents opened the door a crack, the men pushed their way in, with one of the robbers flashing a handgun, police said.Read more »
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text:
Michael Tremer, developer for the ipfire.org team, has announced IPFire 2.13, a new development release of the popular Linux-based firewall distribution.
After numerous development versions, IPFire 2.13 has arrived and it's a big release, with a huge amount of changes.
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• The most important components of the base system have been updated to include a brand new kernel based on the Linux 3.2 release;
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• The ARM versions of IPFire are now stable;
• The IPsec implementation strongswan recently released a new version which cleaned up a significant amount of old code;
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text:
Leading server innovation with the Intel® Xeon® processor E7 family for higher speed and capacity.
Pauline Nist (Intel) and Jim Totton (Red Hat) discuss their collaborative value to enterprise computing.
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Dr. Eng Lim Goh, CTO, SGI, describes features of SGI Altix UV* compared to standard rack mounted and clustered solutions.
Enable clients to access high performance computing with the Intel® Cluster Ready program.


text:
The Game That Saved The Stars' Season
April 6, 2011 12:30 PM
The Dallas Stars needed a win in a big way. They finally got one against the rival Ducks.
The Stars were in 10th place in the West and were on a six game losing streak before beating the Anaheim Ducks 4-3. The Stars have since defeated the Columbus Blue Jackets 3-0 and are now two points out of the playoffs with three games left.


text:
We have over 12,000 students, from over 100 countries, within one of the safest campuses in the UK
97% of Lancaster students go into work or further study within six months of graduating
Colin Boxall supervises 13 postgraduate research students. Some of the students have produced research profiles, these are listed below:
Student research profiles
The Lloyd's Register Foundation Chair
Engineering Building
Lancaster University
Lancaster LA1 4YR
United Kingdom
E-mail: Show email
Tel: +44 1524 593109
Professor Colin Boxall holds The LRF Chair in Nuclear Decommissioning & Engineering at Lancaster University and is Head of the new LRF Centre for the Safety of Nuclear Energy. He has research interests in the behaviour of the actinides throughout the nuclear industrial fuel cycle and has written more than 160 publications including more than 60 reports for the nuclear industry, including the National Nuclear Laboratory, Sellafield and the Nuclear Decommissioning Authority. He collaborates nationally and internationally, his research group (1 Lecturer 3 PDRAs, 12 PhDs) being part of the UK Spent Fuel Research Group, the EPSRC DISTINCTIVE consortium (Decommissioning, Immobilisation and Storage soluTIons for NuClear wasTe InVEntories), the "Next Generation Nuclear" Centre for Doctoral Training and the EU FP7 SACSESS (Safety of Actinide Separation Processes) Consortium. He has presented to the Westminster Energy Forum on the Sustainability of Nuclear Power (resulting in a mention in the House of Lords), and has given oral evidence to Parliament on the future of the Nuclear Industry.
The Lloyd's Register Educational Trust Chair in Nuclear Engineering and Decommissioning
Research output: Contribution to journal › Journal article
Research output: Contribution to journal › Journal article
Research output: Contribution to journal › Journal article
Project: Non-funded Project › Projects


text:
- Season Calendar
- New Productions 2015/2016
- Revivals 2015/2016
- Recitals 2015/2016
- Concerts 2015/2016
- Opera for You 2015/16 events for children, young people and families
- Special Events 2015/2016
- Cast Changes
- Ensemble, guest artists and the Opera Team
- The orchestra
- Opera Studio
- Videos
- Press Releases
- Series of Live Recordings made at Oper Frankfurt
Chamber Music in the Foyer
For the Hindemith Year 2013 (50 anniversary of his death)
Hugo Wolf: Italian Serenade for String Quartet in G Major
Paul Hindemith: String Quartet No. 3 op. 16 in C Major
Bedrich Smetana: String Quartet No. 1 in e minor From my life
Ingo de Haas 1st violin
Joachim Ulbrich 2nd violin
Thomas Rössel viola
Daniel Robert Graf cello
Sunday 07.04.2013 11:00 h
Further performances
Pre-booking and Pricing


text:
Fiesta Americana Puebla
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
TripAdvisor Reviews Fiesta Americana Puebla
Travel Blogs from Puebla
Circling Mexico City and county towns
... Convent of Santa Clara - now the whole street is full of sweet shops, we bought gingerbread pigs, very yummy!
Liz mentioned speed bumps earlier, every tiny village, bigger villages, towns, city streets, they all think they are entitled to a fleet of nasty speed bumps that stretch right across the road, they are a meanace. One smallish village we passed through the other day had 12. Schools think they are entitled to a couple, so do hospitals, factories ...
Where the biggest pyramid in the world is
... silvers. Religious topics predominate, but everything creates an informative and neat exposition. My personal highlight is the terrace on the roof where you can buy coffee and just relax in the sun while admiring the roofs and churches of Puebla. As a matter of fact, Puebla is a very colonial city with more than 70 churches in the city center only (!)
Food and drink
As in every city, food and drinks are the most important part of our ...
Puebla Excursion
Puebla was one of my favorite places I visited. We started by visiting the Mesoamerican pyramids of Cholula. Cholula is the largest pyramid ever constructed in the world. It has a base of 450 by 450 metres (1,480 by 1,480 ft) and a height of 66 m (217 ft). Later in history, the Spaniards built a cathedral on top of the pyramid (this was a common thing done by Cortez for many of the ancient ruins in Mexico. Here, we found the U.S. National Soccer team! Later, ...
Puebla Centro
... for 3 months! Not surprisingly, he said it was a life-changing experience.
Lucha Libre
I was so delighted when Roberto asked if I want to watch Lucha Libre! Of course! I was so looking forward to seeing it in Mexico City but missed it. So wouldn't let this one pass, my last chance.
It was truly entertaining. I have never sen a wrestling match live before, and to see Lucha Libre, ...
Visiting Puebla
... correctly.
I also went to a wonderful book store where I bought three books on the history of Mexico, specifically about the conflict between the indigenous tribes and Cortez and also a $300 pesos, 10lbs book on the full history of Mexico. Something I am definitely looking forward to read about. One of the books is a transcription of found documents written by the Aztecs during the invasion; essentially their side of the ...
Other places to stay in Puebla
Holiday Inn Express PueblaBlvd Hermanos Serdan 45, Puebla | 4 star hotelfrom $72
Marriott Puebla HotelAvenida Hermanos Serdan 807, Puebla | 4 star hotelfrom $107
Presidente InterContinental PueblaAvenida Hermanos Serdan No 141, Colonia Amor, Puebla | 3 star hotelfrom $98
Holiday Inn Puebla La NoriaCircuito Juan Pablo II # 1936, Exhacienda La Noria, Puebla | 3 star hotelfrom $92
Courtyard Puebla Las AnimasAv 31 Poniente 3333, Esq Blvd. Atlixco, Puebla | 3 star hotelfrom $77
Holiday Inn Puebla FinsaLateral Autopista Mexico Puebla 7719, Puebla | 3 star hotelfrom $93
Hotel AristosAvenida Reforma 533 y Calle 7, Puebla | 3 star hotelfrom $31
City Express PueblaCalle 10 Norte No.1406 Col. El Alto opposite of Paseo De San Francisco, Puebla | 2 star hotelfrom $59
Fiesta Inn Puebla FinsaCarretera Lateral Autopista Mexico-Puebla, 7735, Puebla | 3 star hotelfrom $79
NH PueblaCalle 5 Sur 105 Centro Historico, Puebla | 4 star hotelfrom $75
City Express Puebla AngelopolisCircuito Juan Pablo II No. 1755, Puebla | 2 star hotelfrom $71
San Leonardo PueblaAv 2 Oriente 211, Puebla | 3 star hotelfrom $78
Quinta Real Puebla7 Poniente No. 105, Puebla | 3 star hotelfrom $92
Hostal Agua Dulce7 Sur No. 303, Puebla | 2 star hotelfrom $25
Hotel del PortalJuan de Palafox y Mendoza Num 205, Puebla | 3 star hotelfrom $61
Hotel GilferCalle 2 Oriente No. 11 , Puebla | 3 star hotelfrom $61
Hotel Posada San PedroAv. 2 Oriente No. 202, Puebla | 3 star hotelfrom $72
Hotel Plaza PoblanaBlvd Norte Heroes del 5 de Mayo 4212 y Avenida La Pedrera, Puebla | 4 star hotelfrom $50
Hotel Imperial4 Oriente 212, Puebla | 2 star hotelfrom $33
Hotel Puente RealProlongacion Reforma 7540, Puebla | 4 star hotelfrom $46
Hotel Mision Arcangel PueblaDiagonal Defensores de la Republica 276, Puebla | 3 star hotelfrom $71
La PurificadoraCallejon de la 10 Norte 802, Puebla | 4 star hotelfrom $127
San AngelCalle 4 Poniente No. 504, Puebla | 3 star hotelfrom $25
Hotel Hacienda del MolinoCalzada del Bosque No. 10, Puebla | 3 star hotelfrom $53
Condado PlazaAvenida 31 Oriente esquina Privada 6B sur, Puebla | 5 star hotelfrom $66


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would bullets effect their metal armor?
It's been a long time. How have you been? I've been really busy being dead. You know... after you murdered me?
would bullets effect their metal armor?
It probably cuts wires or something causing some kind of damage, to like their system and what not, likely how they will die.
Cool picture. makes me want portal 2 more now. :3
yes, they fire the whole bullet, thats 75% more bullet
65% more bullet
Awesome :D
Look closely under the feet of that tall robot , is that a Aperture Science Robot Dissasembel Field (ASRDF)
Portal gun shoots GREEN portals? look at portal guns.
Looks like Orange one is scared.
And there background is combine [NAME HERE] field.
There is 5 turrets in that picture.
Thats all what kids see in this picture.
Only four turrets, and one laser beam :D
The turrets look different. Also:
We fire the WHOLE bullet. That's 65% More Bullet per Bullet!
What's funny is those are defective turrets.
just wanted to say that there hiding from defect turrets...
oow wait defective turrets are in co-op not defective! THEY WILL SHOOT!


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Jigga what? Liza Minnelli proved she has mad props for rap mogul Jay-Z and checked out his concert at Carnegie Hall in NYC last night.
Move over Tony Bennett & Gaga, because this could be the next unlikeliest duet waiting to happen.
Liza with a Z
Minnelli & Hova Together
2/7/2012 10:00 AM PST BY Johnny Lopez
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text:
about Todd FlowerdayA Roman Catholic lay person, married (since 1996), with one adopted child (since 2001). I serve a parish in music ministry.
about John Donaghy
John is a lay missionary since 2007 with a parish in western Honduras. Before that he served in campus ministry and social justice ministry in Iowa. His ministry blog is http://hermanojuancito.blogspot.com
He also blogs reflections on the lectionary and saints/heroes/events of the date at http://walktheway.wordpress.com
He'll be a long-term contributor here analyzing the Latin American bishops' document from their 2007 Aparecida Conference.
Bible Readings
Vatican II pages
Recent Posts
- Laudato Si 117: Neglecting Harm We Inflict
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Daily Archives: 4 September 2011
How I Won't Celebrate 9/11
I was approached by a new student, trumpet player, today. He asked about getting involved in music ministry. He asked about next weekend's liturgy, and wondered about playing "Taps" at Mass. I'm used to thinking on my feet. So it … Continue reading
Posted in Parish Life, Politics 2 Comments
New Mass Settings Found Wanting
When we last left off, we were discussing my parish's five Mass settings and what to implement with the new Roman missal. I posted that the Archdiocese of Dubuque has recommended five settings to consider: Community, revised, by Proulx Black … Continue reading
Posted in Liturgical Music, Parish Life 8 Comments
Liturgiam Authenticam 60-61
Some musical considerations: 60. A great part of the liturgical texts are composed with the intention of their being sung by the priest celebrant, the deacon, the cantor, the people, or the choir. For this reason, the texts should be … Continue reading
Looks Like Normal
Played a wedding yesterday. A nice couple, perhaps above-average happy. The pastor's homily was excellent, as usual. He often uses a familiar (to me) story from Anthony de Mello–and he did again yesterday. I find myself reflecting on my own … Continue reading
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David Beckham
This photo taken on March 23, 2013 shows English football superstar... Photo d'actualitéChine,Conférence de presse,Célébrité,David Beckham,Football,Horizontal,Participer,Photographie,Portrait,Province de Wuhan,Province du Hubei,Sport,ÉvénementPhotographer STRCollection: AFP 2013 AFPThis photo taken on March 23, 2013 shows English football superstar David Beckham attending a promotional event at the Zall Football Club in Wuhan, in central China's Wuhan province. Beckham raised the prospect of one last stop on his global football journey on March 20, refusing to rule out playing in China after his contract with Paris Saint-Germain ends. CHINA OUT AFP PHOTO (Photo credit should read STR/AFP/Getty Images)


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Thank you for another fabulous Celebrity Ski event ~ It was amazing!
October 8 – 11, 2015
Celebrity Golf 2015 is coming up - we hope to see you there!
March 3 - 6, 2016
Golf / Tennis
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Presented with generous support from:
American Airlines Celebrity Ski and Celebrity Golf and Tennis events raise funds for research and development of a cure for Cystic Fibrosis and for Breast Cancer, via the Cystic Fibrosis Foundation and the Susan G. Komen Foundation. All content copyright 2015


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This articles about night life, bars and music in Berlin by night owl Mr Evo Lucian is copyrighted to its owner OTA-Berlin GmbH.
It may be reproduced or copied only with the prior written permission of OTA-Berlin GmbH. www.ota-berlin.de
The illustrations added to the written
article are from Wikipedia unless otherwise noted. The opinions expressed are not necessarily those of OTA-Berlin but of the contributor.
How […] Continue Reading…


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Cups of Coffee
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"Estimates are that half of all art will be sold online. We are here to make that happen for our clients. Our success is their successful art marketing. We even GUARANTEE it!" - Tuck Tucker, Agency Director, The Art Marketing Agency
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- The AGENCY provides continuous "follow-up" and Art Marketing Support to you-you are like family to us.
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Sign Up by 9 pm today. Why? We can only schedule a number of artwork "exhibitions" for our client PER day/per week to insure completion within 7 days. Plus, our fees are going "up".
After "signing up" you receive a Welcome email with our brief Pre-Consultation Questionnaire that we use to develop your marketing before our Consultation.
We schedule a one (1) hour phone consultation with you via phone or SKYPE to go over how we can best help you.
You, or the Agency, will select your ten (10) best artworks for exhibitions- the most requested, a cross section of your work, or your top sellers.


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Documents and research related to the roughly 780 people who have been sent to the Guantánamo Bay prison since 2002.
Abdul Zahir
Abdul Zahir is a 42- or 43-year-old citizen of Afghanistan. As of January 2010, the Guantánamo Review Task Force had recommended him for prosecution. As of Oct. 14, 2015, he has been held at Guantánamo for 13 years. War crimes charges against Mr. Zahir have been dismissed but may be refiled.
Internment Serial Number: 753
Alternate name:
- Abdul Bari


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24/7 Helpline: 1.800.272.3900
Find your chapter:
search by state
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2015 Walks near you:
Join or start a team today.
Alzheimer's Association Greater Cincinnati
644 Linn Street, Suite 1026,
Cincinnati, OH 45203
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Our vision is a world without Alzheimer's Formed in 1980, the Alzheimer's Association is the world's leading voluntary health organization in Alzheimer's care, support and research.


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For the purposes of this guidance, NYSED defines devices as computer hardware capable of running the latest version of an operating system (e.g., Mac, Windows, Chrome, and Linux). Devices with a 1 GHz or faster processor, 1 GB RAM or greater memory, 9.5-inch (10-inch class) or larger screen size, and 1024 x 768 or better screen resolution are recommended. The device must be able to connect to the Internet via either wired or wireless networking. Examples of devices include desktops, laptops, netbooks, thin client, and tablets (e.g., iPad, Windows, and Android). Tablets should be capable of using an external keyboard.
Technology Guidelines for PARCC Assessments--Version 4.0 (February 2014) supercedes Version 3 and includes new requirements for devices to be used in computer-based testing.
All hardware choices should consider the instructional needs of schools and students. Districts should rely on local expert judgments and discussions with appropriate authorities to determine the hardware that is most appropriate to deliver quality instruction, and to support all students, including (but not limited to) gifted students, students with disabilities, and English language learners. A focus on issues of accessibility and accommodations for all students must be ongoing throughout the device acquisition process.
Districts should also consider green purchasing when feasible. For more information on green technology purchases, please see:
- http://www.epa.gov/epp - A Web site that allows users to find and evaluate green products, services, tools, and related links, from the U.S. Environmental Protection Agency.
- http://yosemite1.epa.gov/oppt/eppstand2.nsf - A database of tools to facilitate the purchase of products and services with reduced environmental impacts, from the U.S. Environmental Protection Agency.
- https://greencleaning.ny.gov/Entry.asp - A Web site that describes a green cleaning program and lists approved products to clean school facilities, from the New York State Office of General Services (OGS).
- http://green.tmcnet.com
- www.energystar.gov
Efficient and effective purchasing of appropriate technology, and the best use of district resources, are critically important. Districts must strive to maximize available State aids, their own local funds, and any other sources of funding, mindful of State law governing purchasing and their own purchasing policies.
School districts may be able to use district resources effectively to obtain technology through cooperative purchasing, lease-purchases, and purchasing through New York State contracts administered by the Office of General Services (OGS).
State Aid:
- Hardware Aid – Aid for eligible expenses including various computer hardware and technology equipment, technology repair, and staff development, for instructional purposes. Examples include, computers, laptops, netbooks, thin client, and tablets.
- Software Aid – Aid for eligible expenses of software purchases, for instructional purposes.
Districts may also be able to obtain funding for technology through one or more of the following:
- State grants: http://www.p12.nysed.gov/funding/
- Federal grants and aid, including the Individuals with Disabilities Act (IDEA)
- Gifts and donations
- BOCES Aid
For more information on State aid or BOCES aid, please see Funding Sources.


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Place List: Gloucester, , England
Place List: Gloucester, , England, sorted alphabetically (number of total localities in parentheses):
Click on a place to show smaller localities. Click on the search icon to show matching individuals.
1. Newland, Gloucester, , England
This site powered by The Next Generation of Genealogy Sitebuilding ©, v. 9.0.4, written by Darrin Lythgoe 2001-2015.


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Kelly Woodland, PGA
Main Address:
Barn Golf Club
305 W Pleasant View Dr
(801) 782-7320
305 W Pleasant View Dr
(801) 782-7320
305 W Pleasant View Dr
Ogden, UT 84414-2117
Ogden, UT 84414-2117
(801) 782-7320
Kelly Woodland is a PGA Professional in Ogden, UT. The PGA of America comprises 27,000 men and women professionals with one singular goal in mind - to make the game of golf more enjoyable for you.
Services Offered:
- Instruction
- Play Golf of America Participant
Welcome to Golf Month
Professional has not entered award information.
Home » Golf Courses » Utah » North Ogden » Kelly Woodland, PGA
PGA of America Championships
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Chaska, Minn.


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Today in infographics that both depress you and validate what you already hypothesized: The follow-up visuals to Beyoncé's essay on gender (in)equality.
Confirming that girls don't actually run the world — if they do then they're getting paid very poorly for their efforts — this chart is another sunny takeaway from Maria Shriver's annual The Shriver Report: A Woman's Nation Pushes Back from the Brink.
Here are the essentials:
- One in three adult women are living in poverty or on the brink of it,
- One quarter of single mothers spend more than half their incomes on housing compared to one tenth of single fathers,
- Nearly two thirds of single mothers work low wage retail, service or admin jobs
- 47% of the labor force is female yet 62% of minimum wage jobs are held by women,
- 27% of the low income workforce reports poor or fair health compared with only 15% of the high income workforce, and
- 42% of low income women experience high stress levels compared with 22% of low income men
And again, with pictures:
Yikes. But despite the fact that there's like, hard evidence and numbers and shit, not all women are ready to accept the situation as requiring government intervention.
Today at 5:30pm EST President Barack Obama will accept a copy of Shriver's annual report. This has provided the
Conservative Bullshit Forum Independent Women's Forum with the opportunity to shift the blame onto women with this unconvincing argument from Sabrina Schaeffer, co-author of the staggering work of heartbreaking ignorance Liberty is No War on Women: How Big Government and Victim-Politics Undermine America's Progress:
"A Woman's Nation Pushes Back from the Brink is a political campaign – reports, documentaries, events – intended to perpetuate the myth that America is inherently unfair to women and girls today, to encourage even greater dependence on the state, and to give government even more control over our lives. The report is very good at cataloging the challenges that women face, but ignores many of the causes of that hardship, instead doubling down on the government-knows-best approach."
BRB, sticking my head in an oven.
Download The Schriver Report here through January 15.
Related links:
Read Beyoncé's Essay on Gender Equality
What Does Female Empowerment Smell Like? Beyoncé, Of Course
Lorde Weighs In On Feminism Being "This Season's Hottest Accessory"


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October 8, 2015
The identity of the Hispanic female adult has been released by the Washoe County Sheriff's Office.
The body of Adriana Carrillo-Guillen, 24, was found Saturday morning in the area of Western Skies and Reading Street in South Reno.
Because her death is now being considered a homicide, information regarding the cause of death is being withheld.
Officials ask that anyone with information contact the Sheriff's Office at 328-3001 or Secret Witness at 322-4900. Detectives are particularly interested in hearing from anyone who may have had contact with the
victim during the early morning hours of Saturday, June 24th.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or firstname.lastname@example.com.