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Who's Most Responsible for Biogenesis' Link To MLB? [POLL]
Biogenesis has the potential to be the worst PED scandal in Major League Baseball history. Clinic owner Tony Bosch is said to be cooperating with Major League Baseball officials and giving them information and documents of all users, which is at least 20 players but could be up to 50-75...
Bonds Will Be Found Not Guilty
The Barry Bonds perjury trial is going on right now. Ho-Hum. But when the dust (clean and) clears, I really think Barry Bonds will be found NOT guilty.
I'm not saying he didn't do steroids and lie about it. He totally was juicing! All I'm saying is this jury will have reasonable doubt based on a pretty weak case.


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If there's one upside to living in a city that absolutely refuses to sync its traffic lights it's that the surplus 15 or so minutes you spend on your morning commute eye balling assorted Jesus Fish & OBX window clings can be used to reflect on the critical issues of the day. There is only so much thought I can give to the Port of Hormuz and the slow painful death of the Euro before my eyes glaze over into cynical hopelessness. Naturally, I prefer to contemplate a less stark & bloody form of hopelessness- Buffalo hopelessness! (that's actually not a bad angle…I wonder if the tourism board ever considered 'Buffalo: We're Not the Gaza Strip!' before "Buffalo; For Real").
In any event, this morning let me marinate on the adorable little run of results that kind of, sort of resembles watchable hockey at the foot of Washington Street. Over the past several seasons my contempt for the hockey department (and Regier in particular) has transformed from apoplectic "nuke the arena from orbit! it's the only way to be sure!" rage to grumbling and almost gleeful schadenfreude seeing Darcy's golden boys fall at every serious hurdle and challenge placed in front of them. As satisfying as it might be to be to jump up and down and scream "I TOLD YOU SO! HA HA HA" like a 6 year old while wearing a goat head Drury sweater, it evokes TONS of self loathing remembering you're projecting this onto something you're supposed to…you know… love.
But those red hot and logic clouding emotions are starting to break into a bit of sunnier objectivity as Monday's deadline draws nearer (yes, even with the swirling twitter rumors of a pre-July Gaustad extension; ugh). It's easy to lose sight that even with his many, many, many past indiscretions and mis-steps, it's simply not fair to definitively judge Pegula-era Darcy based off of one summer of free agency. The Regher/Leino/Ehrhoff free agent class has certainly been a flash point of contention this year in the city based off of overly high summertime expectations. However, I'm still of the mind that the deals are very shrewd long term and each player will end up contributing significantly if they aren't already.
It feels strange and borderline dirty to give Darcy that sort of slack after a long, dark winter anchoring the East and almost half a decade (!) of wandering in the desert of post co-captain uncertainty. But on this Pegula day, I suppose that's a product of the type of foreign, long term optimism that hasn't rattled around this burg since Bethlehem & Republic Steel cheerfully poured a centuries worth of toxic sludge into the lake. Here I sit – self proclaimed sworn enemy of Darth Quinn's timid little lapdog, openly advocating for a bit more patience.
Of course, Monday could come and go, late round draft picks could be swapped, water could be tread and many whiner line teeth may be gnashed. I may very well come back here and bemoan Darcy's smug (I'd like to imagine at least) confidence in his boys, his way and his team. I may shout from my virtual rooftop that the Orchard Park disease has meandered its way through South Buffalo, across the Outer Harbor and firmly planted itself in Black & Pegula's frontal lobe. That all may be, but I sit here and write this not only for your (I hope) entertainment but also as a sober and preemptive reminder to myself on Monday evening that barring some unforseen disaster, in the end everything is going to turn out OK – with our without Darcy. Optimism makes for strange bedfellows.
Lavish me with praise or spit at my feet in contempt on Twitter: @rjandolina

subset: commoncrawl


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A certification by the Board of Psychiatry and Neurology. Practitioners are skilled in the prevention, diagnosis and treatment of mental, addictive, and emotional disorders. They are trained to understand the biological, psychological, and social components of illness. Psychiatrists are qualified to order diagnostic laboratory tests and prescribe medication, as well as to evaluate and treat psychological and interpersonal problems. They are also prepared to intervene with individuals and families who are coping with stress, crises, and other problems in living.View More
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I've been looking for this for ages, seriously, thank you so effing much. <3
again..i must say.. that was awesome! "i have a big beard.. ahh ...dont stab me.." my bro and i crack up about that.. ha ha
"please don't stab me" "I have a big..beard"
"I have a big beard"
ahahahahaha, lmao
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text: Ethel Greene | IBDB: The official source for Broadway Information IBDB: The official source for Broadway Information Official Broadway League sites: - sites - broadway.org broadwayleague.com broadwayfanclub.com kidsnightonbroadway.com stagespecs.org tonyawards.com Quick Search For: In This Category: All Show People/Org. Theatre Season Ethel Greene Performer Female Productions ProductionsDate of ProductionsSadie Thompson[Play, Play with music, Original] Performer: Ethel Greene [Singer]Nov 16, 1944 - Jan 06, 1945 Find out where Ethel Greene and are credited together © 2001-2015, The Broadway League, All Rights Reserved. (Copyright and Disclaimer)


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- Northern New York Newspapers
- Watertown
- Ogdensburg
- Massena-Potsdam
- Lowville
- Carthage
- Malone
- NNY Business
- NNY Living
- NNY Ads
CARTHAGE — The wheels were set in motion for change on several village issues during Monday's Board of Trustees meeting.
Village Police Chief Reginald Huber Jr. agreed to explore options for regulating parking in the municipal lot behind 264 State St. According to a letter from Julie Ablan-Woodrow, owner of Ablan's Business Center, tenants of Heritage Apartments are monopolizing the parking spaces near the businesses that can be accessed from the municipal lot.
Chief Huber noted signage in the municipal parking lot near the Buckley Building bans tenants from parking in assigned spots to allow access to businesses. He said tenants at both apartment units had stickers for their vehicles to allow them to park in the lots.
Ms. Ablan-Woodrow, who was at the meeting, said she would be happy if that suggestion were accepted. "I want them not to park there," the business owner said.
Village President G. Wayne McIlroy asked whether a time limit for parking was warranted.
Following up on a request of a resident on the 300 block of West Street, a public hearing to discussion the adoption of a local law to prohibit stopping and standing on portions of West Street to include school zones was set for 7:10 p.m. July 21.
In other discussion, speed limits in school zones were addressed, and that matter also will be dealt with at the public hearing.
After considerable discussion, the board agreed to allow Matthew Gump to hold a charity event at the Carthage Park that would include a beer garden.
Mr. Gump had requested at the May meeting to use the Carthage Park and Recreation Building on Aug. 30 for a "Christmas in August" toy donation to benefit local angel tree organizations. The event would include a motorcycle ride beginning at the West Carthage Fire Hall and ending at the Carthage Park with a car/bike show, live bands, craft and food vendors and a beer garden. Mr. Gump told the board beer would be provided only by a local licensed establishment that would obtain an off-premise license for the day along with the required insurance. In other business, the board:
■ Discussed the purchase of a dock to be placed at Turning Point Park, replacing a wooden dock that is in disrepair.
■ Accepted a bid from Simpson Fuels for $3.105 for gas and $3.175 for diesel. A bid from Christman Fuel Service was rejected since the $3.01 for diesel was not fixed as specified by the bid, and no gasoline was offered.
■ Discussed a policy for filling swimming pools. Water superintendent Ernest L. Prievo was asked to develop a policy and a water request form before the July meeting.
■ Accepted a quote for $5,000 from Stackel & Navarra to review the agreed-upon procedures for the village. Quotes also were received from Crowley & Halloran at $4,500 and Bowers & Co. at $5,500.
■ Agreed to post a job listing for a Department of Public Works laborer in house before advertising externally with the stipulation that the new hire must complete the course for grade 2A water operator within two course opportunities.
■ Acknowledged the receipt of donations from the Lions Club, $125, and Carthage Head Start, $150, to the summer recreation program.
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Santa is Coming...Santa is Coming!!!
Santa Is Coming and will arrive in Gaylord on Saturday, December 5th for the Santa Parade at 6pm in downtown Gaylord. Mayor Jenkins will hand Santa the official key to the City of Gaylord and the newly planted Community Christmas Tree on the County Courthouse Lawn will be lit.
Interested in being part of the Santa Parade
We would love to see your business / organization participate in this year's Santa Parade; it is a great opportunity to enjoy the holiday season. To participate in this year's Santa Parade please call at 989-732-6333.


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Toronto Raptors v New Orleans Hornets
Ryan Anderson of the New Orleans Hornets drives against Ed Davis of... Fotografia de notíciasBasquetebol,Basquetebol - NBA Pro,De Corpo Inteiro,Desporto,Drive - Atividade desportiva,EUA,Ed Davis - Jogador de basquetebol,Estados da Costa do Golfo,New Orleans Pelicans,Nova Orleães,Ryan Anderson - Jogador de basquete,Toronto Raptors - Equipa de basquetebol,VerticalPhotographer Layne Murdoch Jr.Collection: National Basketball Association 2012 NBAENEW ORLEANS, LA - DECEMBER 28: Ryan Anderson #33 of the New Orleans Hornets drives against Ed Davis #32 of the Toronto Raptors on December 28, 2012 at the New Orleans Arena in New Orleans, Louisiana. 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 Layne Murdoch Jr./NBAE via Getty Images)


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Who Dat won the Super Bowl? The New Orleans Saints, that's who. Ain't kidding. Put away those paper bags forever. Drew Brees and the Saints are NFL champions, rallying to upset Peyton Manning and the Indianapolis Colts 31-17 Sunday night in one of pro football's most thrilling title games.
Brees tied a Super Bowl record with 32 completions, the last a 2-yard slant to Jeremy Shockey for the winning points with 5:42 remaining, and was chosen the game's MVP.
"We just believed in ourselves and we knew that we had an entire city and maybe an entire country behind us," Brees said. "What can I say? I tried to imagine what this moment would be like for a long time and it's better than expected."
A surprise onside kick sparked the Saints' second-half comeback. Their 25th-ranked defense made several key stops, and Tracy Porter's 74-yard interception return on a pass from Manning, of all people, clinched it.
Manning tried to give chase, but was blocked by a New Orleans defender and fell awkwardly as the cornerback raced by. The four-time NFL MVP forlornly walked to the sideline as the Big Easy celebrations began.
"It's time for the Saints to celebrate," he said. "It's their field and it's their championship."
An NFL embarrassment for much of their 43 years, the Saints' football renaissance, led by Brees and coach Sean Payton, climaxed with Shockey's touchdown and Lance Moore's 2-point conversion catch, originally ruled incomplete but overturned on Payton's challenge.
Porter's pick, just as dramatic as his interception of Brett Favre's pass to force overtime in the NFC title game, was the game's only turnover. It's one Manning will forever regret.
The Saints (16-3) won three postseason games this winter after winning only two in the previous 42 years. They beat Arizona, Minnesota and Indianapolis (16-3) – all division winners – for their first title, scoring 107 points and allowing only 59.
The championship came 4 1/2 years after Hurricane Katrina ravaged New Orleans, making the Saints nomads for the 2005 season. There even was some doubt they would return, but the NFL refused to abandon the city. The Superdome was repaired and the Saints won the NFC South in '06, their first season with Brees and Payton.
That was the season Manning won his only Super Bowl. He had the Colts, favored by 5 points, in front for much of this one, but New Orleans' league-leading offense, which scored 510 points this season, outscored Indy 31-7 after falling behind 10-0. That matched the biggest comeback in a Super Bowl.
Payton held the Vince Lombardi Trophy high over his head and ran into the end zone toward several hundred fans chanting the Saints' rally cry: "Who dat, who dat, who dat say gonna beat dem Saints?"
Nobody can say it now.
"Everybody back in New Orleans gets a piece of this trophy," he said.
"I think I could kiss him," owner Tom Benson said.
Before many of the 74,059 fans got settled following the Who's halftime show, the Saints worked a little football voodoo. Garrett Hartley's onside kick was touched by the Colts' Hank Baskett, then recovered by Chris Reis at the New Orleans 42.
"I just told our guys you've got to make me look good on this," Payton said. "That really becomes like a turnover."
Looking like the NFL's most potent offense, the Saints seized the opportunity to take their first lead. It came on Pierre Thomas' brilliant 16-yard run with a screen pass, capped by a dive into the end zone.
Manning simply shrugged, found Dallas Clark for 45 yards on a 76-yard drive, and Joseph Addai used a spin move a figure skater would envy to score from the 4.
But that was it for Indy.
Hartley, the hero of the NFC title game with his 40-yard field goal in OT, made a 47-yarder later in the third period. After Matt Stover was wide left on a 51-yarder early in the final quarter, Brees led the biggest drive in Saints history.
Manning looked sharp on the Colts' first two series, taking them 53 yards to a 38-yard field goal by Stover, at 42 the oldest player in Super Bowl history.
Then Manning led a 96-yard, 11-play drive that appeared almost routine, even though it tied the longest march in a Super Bowl. Addai rushed for 53 yards on the series, and Manning found Pierre Garcon behind backup cornerback Osama Young for the 19-yard score on third down.
New Orleans couldn't match that, but did get a 46-yard field goal by Hartley to make it 10-3. Brees was sacked on third down by All-Pro defensive end Dwight Freeney, who sure looked frisky despite ligament damage in his right ankle that made his availability uncertain for two weeks.
Then Indy's defense, ranked 18th during the season but staunch in the playoffs, really showed some power. After the Saints marched 71 yards, including 40 yards on two receptions by Marques Colston, New Orleans had third-and-goal at the 1. Mike Bell slipped running right behind All-Pro guard Jahri Evans, and Thomas was stacked up at the line by Gary Brackett and Clint Sessions on fourth down.
But the Colts went against type and ran three times, leaving 35 seconds for the league's most prolific offense to get in position for Hartley's 44-yard field goal and a more manageable 10-6 halftime deficit.
Shootout? More like a slowdown. Indy had two three-and-outs and New Orleans had one.
But the points came quickly after halftime – mostly for the Saints.
Tags: Brett Favre, drew brees, Indianapolis Colts, Jeremy Shockey, Key Stops, Lance Moore, New Orleans Saints, Nfc Title Game, Nfl Champions, Nfl Mvp, Paper Bags, Peyton Manning, Point Conversion, Postseason Games, Ranked Defense, S Pass, Title Games, Tracy Porter, Winning Points
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At Broadview Baptist Church, your questions and doubts are just as welcome as your praise to God and joy as one of God's children.
We are an inclusive, open-minded congregation with progressive values.
We invite you to partner with us in building a church in southern Maryland that:
- welcomes a wide diversity of people.
- equips each individual to interpret the Christian tradition for her or himself.
- empowers members to "do justice, love mercy, and walk humbly with God" (Micah 6:8).


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WASHINGTON (CNN) – Arizona Republican Sen. John McCain has passed an online milestone.
The former Obama rival now has more than a million followers on the microblogging and social networking site Twitter.
In a statement announcing the achievement, McCain said he was "both honored and humbled" to have amassed such a following. "It has been one of the most enjoyable experiences in my long political career – not too bad for an old guy," McCain added.
McCain's increasing use of Twitter marks a major shift from the presidential campaign when he said he "never felt the particular need to e-mail."
Earlier this year, McCain also became the proud owner of new BlackBerry.
In addition to slightly more than a million followers on Twitter, McCain boasts more than half a million supporters on Facebook.
yep just about how many voters showed up for you....loser
Useless old man...useless


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Published Saturday, November 17, 2012
From Staff Reports
Perpetual Community Resource Centre is putting together plans for a winter coat and blanket drive.
"Although winters in Newnan are normally mild, there has been a pattern of unseasonably cold weather in the southern states over the past few years," noted Kimberly Monroe, PCRC executive director. "This has raised the need for warm coats and blankets in the Newnan community by those who do not have and cannot afford them."
Monroe said "many will be without the basic resources needed to keep warm and healthy" this winter unless others in the community reach out to help.
"You can make a difference in the lives of those less fortunate by giving the gift of warmth," she said.
The coat and blanket drive began Oct. 15 and runs through Dec. 3. Blankets and coats will be distributed Dec. 16 during PRCC's Warm Hearts Christmas Dinner.
"This program will serve those who are homeless, low-income seniors, adults with disabilities and families with children," Monroe said.
"All you have to do is gather new or gently-used blankets and coats in the box that we will provide. Then call to make arrangements for us to pick them up," she said.
For information, call 678-634-6232 or email firstname.lastname@example.com .


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Today's information technology (IT) organizations are faced with the challenge of managing a host of commercial off-the-shelf (COTS) applications, legacy systems, and in-house custom applications. The reality of many of today's IT departments is complex, as they have the immense task of maintaining, managing, integrating, and supporting these business-critical applications. Tracking upgrades and providing first level support, as well as troubleshooting, represent a fraction of the application management challenges. In addition, the applications running a business require consistent inventory tracking, along with monitoring of their performance and the value they bring to the business. Consequently, application portfolio management (APM) has emerged as a critical component of IT governance.
In light of this reality, most IT departments have adopted some form of APM. Managing the development, implementation, training, and support of enterprise applications is central to every IT department. Decisions must be made in terms of prioritizing application projects and tracking their success. However, implementing a governance framework and a product portfolio management (PPM) solution to formalize decisions is still a novel concept to many IT organizations. Consequently, PPM vendors have embraced APM as a key differentiator in their efforts to assist IT organizations in managing their applications as business investments.
Defining Application Portfolio Management
APM provides a framework for an organization's enterprise software portfolio. Using PPM methodologies, APM focuses on the application lifecycle to determine which applications should be maintained, retired, or replaced. APM treats enterprise applications as investments, and evaluates their effectiveness based on business needs, client usage, performance, and client satisfaction. APM also takes inventory of an organization's applications, and evaluates their costs, risks, and value.
Like PPM, APM is a methodology for streamlining IT management processes. Thus, APM solutions aim at facilitating the tracking and monitoring of the following business objectives:
The Role of Application Portfolio Management in Information Technology
While mining tools and testing tools are still critical to managing applications, IT's shift towards treating their assets as business investments has changed the way applications are managed. Where once testing tools were key performance indicators (KPIs) for an organization's enterprise applications, today the metrics from testing tools are viewed as a subset of the group of metrics used to monitor application performance. In fact, according to Forrester Research, the APM market is projected to grow from approximately $15 million (USD) in 2003 to more than $400 million (USD) in 2008. At the same time, the testing and mining tools market is projected to decline from $82 million (USD) to $15 million (USD) from 2003 to 2008 (see Application Portfolio Management Tools for more information about these figures). With the continual involvement of non-IT executives with IT and application decision-making, IT has recognized the need to provide a more comprehensive tracking of its applications via the implementation of APM software and methodologies.
For larger IT organizations, implementing an IT governance framework entails tracking new projects through PPM, evaluating existing enterprise applications through APM, and tracking all IT assets through enterprise asset management (EAM).
Due to the importance, magnitude, and complexity of tracking applications, APM has developed into a major category in evaluating an organization's IT business investments. Organizations are looking beyond the mere functionality of their applications, and are evaluating the total impact of the applications running their business. Organizations are tracking metrics such as customer satisfaction, maintenance, usage, and performance, all in order to determine the value of their applications.
APM Software Vendors
There are two types of APM software vendors: best-of-breed APM solutions, which focus primarily on organizations with legacy systems; and PPM solutions, which offer APM modules as part of their offering.
Several vendors feature prominently as far as best-of-breed APM solutions are concerned:
There are also broad PPM vendors who feature prominently in terms of APM solutions:
User Recommendations
Depending on the IT infrastructure, organizations should carefully evaluate the different APM solutions available in the marketplace. Organizations with legacy systems typically have more work attached to the support and maintenance of their enterprise applications. The tracking of metrics at the source code level is a key factor in managing these applications as well as in tracking their performance. Both high-level and granular tracking of applications are required if developers and executives are to make quick and informed decisions on the value their applications are delivering. As a result, when searching for an APM solution for legacy systems, it is worth considering best-of-breed vendors.
Currently, broader PPM solutions offering APM modules and functionality are typically weaker in delivering granular metrics at the code level. Consequently, these systems are better for managing COTS enterprise applications that require more tracking at the support and client performance level. In any case, as IT organizations continue to treat their applications as business investments, PPM vendors will continue to strengthen their efforts in providing stronger APM-specific functionality in their offerings.


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ATV / Snowmobile Handlebar Mitts, Black
Item # WX2-78014
- Google+
- Details & Specs
Waterproof, insulated ATV / Snowmobile Mitts attach to your handlebars.
Large, fleece-lined Mitts slip over your ATV or snowmobile handlebars to warm your gloved or ungloved hands
Shells are made of highly water-resistant polyurethane-coated ballistic nylon, polyester fill insulation
Polyester fill insulation. Each Mitt has a pocket to hold handwarmers (not included)
Adjustable straps ensure they stay put
Weigh just 2 1 / 2 ozs. Order ONLINE Now!
ATV / Snowmobile Handlebar Mitts, Black
- Reviews
ATV / Snowmobile Handlebar Mitts, Black is rated out of 5 by 4.Rated 5 out of 5 by JUSTIN from Great fit & keeps hands out of the wind & warmer.Date published: 2012-03-17Rated 5 out of 5 by STEVE from These are awesome.Date published: 2012-03-16Rated 5 out of 5 by SUSANNE/CURTIS from we used them and the did keep the hands warmer when plowingDate published: 2012-01-19Rated 5 out of 5 by DEBORAH from These Handlebar mitts are great they have kept my hands warm and made the long rides we go on enjoyable.Date published: 2011-02-09
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Hand MirrorNon-Member $5.99 Buyer's Club $5.39


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Publisher's Description+
zeitAnker Annotation Edit - a unique editor for professional subtitles, captions and annotations on Mac OS X 10.4
Annotation Edit is designed to give production houses and eLearning environments a smooth subtitle workflow for Apple DVD Studio Pro / Final Cut Pro, QuickTime WebTV and broadcast.
- Annotation Edit can import
What's new in this version:
- ARTE EBU STL N!9 export: added option to create ARTE doc sheet. The doc sheet requires a linked movie to include movie duration. Illegal characters are replaced by "%" on export. This makes revision easier than automatic normalization. According to ARTE N!9 text position is limited to bottom, color to yellow, italics are omitted.
- Enhanced ARTE template.
- EBU STL import/export: Solved square bracket character encoding for open subtitles. Square brackets are encode... See all new features »


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In the Area
Flexible where you stay?
Book in the area for the best deal.
When you live at the Meridian at Gallery Place you will feel like you're a part of the heart beat of Washington.
When you live at the Meridian at Gallery Place you will feel like you're a part of the heart beat of Washington. Located in the middle of it all, the Meridian is less than a mile from the Nation's Capitol, Union Station, the National Mall (framed by Smithsonian Museums and Galleries) and DC's new Convention Center.
And yet as exhilarating as Washington can be, everyone needs a little reprieve from the excitement. When you return to your haven at the end of the day the Doorman will be there to call you a taxi or lighten your load while the on-site Concierge can offer recommendations or book a dinner reservation.
You'd prefer to stay in and re-energize? Consider a good workout in the extensive Fitness Facility or simply relax in the pool perched above it all with a birds eye view of the city.
No matter what brings you to Washington, after choosing to stay in the middle of it all at the Meridian, you'll wonder why anyone would ever stay anywhere else.
* Rates exclusive of taxes/VAT.
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text:
Details about the first Office 2007 service pack remain scarce, as Microsoft officials declined to share any information on what fixes and updates are included in the pack or a final release target date for the service pack.
�We have a long history of securing feedback around future technologies from customer and partners. We have invited a very small number of customers and partners to participate in early testing of future products. We have nothing new to share around timing of future releases.�


text:
Discovering I was an introvert when I was promoted to sales manager in the 1980s was news to me there even was such a distinction of people. It's a bit like finding out you have spinach stuck on your front teeth. With 10 years of previous top of the team sales results, it never occurred to me that I was – unsociable, aloof, or awkward in anyway.
What did happen was something was just under my skin as a minor irritation causing me to turn down invitations that others would ask me, "Why aren't you going?" Not knowing I was an introvert or an extrovert gave me a distinct advantage and like the Energizer Bunny®, I just kept on going being my natural self. {EAV:6a548d732e8e4215}[Continue Reading…]


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Av Hazard publicizes safety and operational concerns to help prevent accidents but it works only if we hear from you. Use the postage-free Av Hazard card to describe the hazard and return it to Pro Pilot. To obtain an official FAA review send NASA an ASRS form. For immediate action, call the airport, FBO, ATC, FSDO or the 24-hour FAA Safety Hotline at 800-255-1111. Note: Telephone numbers for all US Towers and ARTCCs are published in Ac-U-Kwik and Pilots Express Airport/ Heliport/FBO directories. To report safety concerns outside the US, contact ICAO HQ at 514-954-8219 or via fax at 514-954-6077. ICAO has worldwide telephone and fax numbers to expedite Av Hazard reports to civil aviation authorities.
Jeppesen and AFD don't match
The airport at Santa Teresa NM-currently 5T6 but soon to be DNA-is a nontowered airport with a nonstandard traffic pattern for north traffic only. There is also a drop zone on the south side of the airport. We have had a number of business jets fly a south left-hand pattern for Runway 28 through the drop zone. In addition, many of these aircraft have come through on the incorrect Unicom. Almost 2 years ago the Unicom changed from 122.8 to 122.725. This past weekend, 2 jets flew through the drop zone on the incorrect frequency.
And just the other day a blimp flew through the traffic pattern on the old frequency. This problem of the nonstandard traffic pattern brings up one of the shortcomings of the Jeppesen approach charts. Many times, information listed in the Airport Facility Directory (AFD) doesn't make it into the Jepp charts. I have seen airports used as drag strips during certain times of the day-they are not listed on the Jepp charts, no information was passed on via Notams or ATC, but the information was in the AFD. This drop zone and the nonstandard pattern at 5T6 seem to among the items not listed that could lead to a serious incident.
__ ATP, Bombardier CRJ
- Critical airfield information should be listed in all appropriate aerodrome information locations. All pilots should use the most current information when exercising their aviator privileges. That being said, some pilots have been known to use charts that are faded and outdated. The Unicom frequency published must be the one that is used.
In a previous Av Hazard, it was reported at one airport that some pilots refused to use a new CTAF, even after it was changed and they knew about it. Aviation operations are under a microscope right now and all pilots must be truly professional whenever they fly. This Av Hazard report has been forwarded to Jeppesen.
Conflicting traffic at DPA
On several occasions at DPA (Dupage, Chicago IL), I have been cleared for a visual approach to Runway 20R while at the same time a VFR aircraft is set up for a conflicting pattern for Rwy 15. Both aircraft thus find themselves in a situation where there is crossing traffic coming from the opposite direction.
Much time is spent with the priority of trying to spot the oncoming traffic visually-as if final approach weren't busy enough! DPA Tower apparently assumes that the traffic for Rwy 20R will pass over the traffic for Rwy 15. In this particular instance, neither pilot spotted the other traffic until it was clear there was a conflict. This is an obvious midair scenario.
__ ATP, Citation 550
- According to the Aeronautical Information Manual (AIM), "visual approaches reduce pilot/controller workload and expedite traffic by shortening flightpaths to the airport. It is the pilot's responsibility to advise ATC as soon as possible if a visual approach is not desired." It is the pilot's responsibility to let ATC know if he/she has other traffic. As the AIM says, "If the pilot has the airport in sight but cannot see the aircraft to be followed, ATC may clear the aircraft for a visual approach-however, ATC retains both separation and wake vortex separation responsibility."
The AIM continues, "When visually following a preceding aircraft, acceptance of the visual approach clearance constitutes acceptance of pilot responsibility for maintaining a safe approach interval and adequate wake turbulence separation." That being said, if you are involved in a close call, make sure you inform ATC of the event.


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Wacky Wednesday
Presented by South Shore Conservatory at South Shore Conservatory
July 2 - July 30, 2014
South Shore Conservatory (SSC) announces the lineup for the 2014 Summer Spotlight outdoor concert series in the Jane Carr Amphitheater at One Conservatory Drive in Hingham. Summer Spotlight includes the popular Evenings Under the Stars Saturday evening concerts, Wacky Wednesdays family concerts, and Berklee Stars at SSC Friday night concerts.
Wednesday mornings will never be the same with Wacky Wednesdays family concerts, starting with musical entertainer Ben Rudnick and Friends on July 2! Boston-based children's singer-songwriter Vanessa Trien returns to the Wacky Wednesdays stage on July 9. On July 16, Stacey Peasley combines her love of children and music into a lively act that engages kids and creates memorable and fun sing-along songs. Bari Koral shares her catchy, pop-friendly tunes in an interactive live show on July 23. The final Wacky Wednesdays concert features an interactive program of vocal and instrumental music with Little Groove on July 30.
Evenings Under the Stars tickets purchased before the day of the concert are $35 for pavilion and $20 for lawn seating. Lawn tickets purchased at the door are $25 for EUS concerts. Tickets for Wacky Wednesdays family concerts are $15 adult and $5 children. Tickets for the Berklee Stars at SSC concerts are $10. Season subscriptions to the four Saturday evening concerts are available for $185 for pavilion and $132 for lawn seating and include the pre-concert receptions. There is no charge for children under three. Tickets may be purchased online at www.sscmusic.org. For more information or to order tickets, visit www.sscmusic.org or call 781-749-7565, ext. 22.
About South Shore Conservatory
South Shore Conservatory, recently recognized as a national model for arts education by the National Guild for Community Arts Education, is celebrating nearly 45 years of enriching the lives of South Shore residents through music and the arts. SSC was founded as a not-for-profit community music school in 1970 and now has two beautiful campuses in Hingham and Duxbury. Currently serving over 3000 students of all ages and abilities, SSC is the largest community school for the arts in Massachusetts. Students participate in more than 50 diverse programs in music, dance and drama. Through innovative partnerships with social service agencies, SSC's Creative Arts Therapies department supports the mental, emotional, and physical health of some of our community's more fragile members. SSC's Hingham campus is located at One Conservatory Drive, Hingham, 781-749-7565. SSC's Duxbury campus is located at the Ellison Center for the Arts, 64 St. George Street, Duxbury, 781-934-2731. South Shore Conservatory is a member of the National Guild for Community Arts Education. SSC programs are supported in part by a grant from the Massachusetts Cultural Council, a state agency. For more information call us, follow us on Facebook or visit www.sscmusic.org.
One Conservatory Drive
Hingham, MA 02043
Admission Info:
$15 for adults, $5 for children
Phone: 781 749 7565 ext. 22
Accessibility Information:


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I'm partitioning Frankie Valli to change the lyrics to Grease is NOT the world in honor of Lush Grease Lighting Spot Treatment.
But don't tell my sister…she thinks the Earth, the Moon, the Stars revolves around the Jersey Boys…changing the lyrics could be like breaking the law to her.
Lush Grease Lighting is the latest skincare treat from Lush for treating spots, pimples, and all the uglies that pop up on our skin.
Check it after the jump!
Lush Grease Lighting is a blend of witch hazel, thyme, calming rosemary, and antibacterial tea tree water to create an antiseptic for keeping pimples well under control. Mind you this isn't a skin treatment but a spot treatment. What's that mean? It means if you have a fat pimple on your forehead before a blind date tomorrow you can dab some of this on to zap that spot right out of your hair. It works a treat on minor pimples, small formations of pimples on places like your chin or forehead, etc….it works to dry pimples out, treat them, and reduce the size of the pimple all while delivering a healthy dose of treatment to clear your skin up.
I have a nice size pimple on the side of my face at the moment which I'm not up for discussing with you but I will for the sake of my review. I applied some Grease Lighting on it last night and the pimple is considerably smaller. I imagine with another dab of this it'll probably be gone by morning w00t!
The formula is a watery, runny gel which you can tap onto blemishes easily. It's very gentle so it doesn't dry out your entire face but it does dry out the area you're treating however not so much that you're left with cracked, flaky skin.
If you're looking for a spot treatment to save your skin Lush Grease Lighting is the way to go. It's $9.95 and available now from Lush Mail Order or your local Lush store. I trust Lush skincare with my life so it's a joy to have a quick spot treatment for the times that a rare pimple pops up on my face!
Muse Approved for purchase.
11/9/09 12:54 Lucy:
I have to say this. I am absolutely IN LOVE with your blog! I have never found a point/interest in blogs apart from giving people space to vent out what they may not feel comfortable with venting out in person. And most of the stuff out there is useless, no one gives a shit if you had a really good/shit/bewildering day today etc.
But seriously…. I'm in love with yours 😀
You have tried/tested/reviewed so many of the products that I myself have had my eye on and given really helpful, honest advice on all of it. Do you buy all the stuff that you review or do you get stuff for free.. ? I used to work at a Lush and a B (xmas temp) and though I was never kept as a permanent employee I have continued to love their products and looked in awe at the new products they've been coming up with. I appreciate that you are pretty into your natural products but dip into the silicone ones every now and then (much like myself).
So basically yeah. Thanks for making the best blog in the world (wide web)!!
Much love. xx
11/9/09 12:56 Lucy:
PS. I found you whilst googling for a SteamCream review.


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CHAPEL HILL, N.C. - Seventh-ranked North Carolina held sixth-ranked Ohio State scoreless for a period of 34:23 while scoring eight straight goals to rally the Tar Heels past the Buckeyes 12-6 in men's lacrosse action before a crowd of 1,012 at Fetzer Field Saturday afternoon. Senior Kevin Frew won 17 of 22 faceoffs for the Tar Heels as he closes in on the school record for faceoffs won in a career and juniors Jed Prossner, Lance Zimmerman and Bryant Will led Carolina offensively as each recorded a hat trick in the goal department.
UNC won its second straight and improved to 9-4 overall with the victory. This is the first time the Tar Heels have reached the nine-win total in a season since the 1996 campaign when North Carolina finished 12-5. North Carolina's victory assured the Tar Heels of an at-large bid to the 2004 NCAA Division I Tournament. Formal bids will be announced Monday at 3:40 p.m. live on ESPNNews. This will be Carolina's first NCAA Tournament appearance since 1998.
Ohio State, which is going to the NCAA Tournament with an automatic bid as the champion of the Great Western Lacrosse League, saw its 11-match winning streak snapped. The Buckeyes ended the regular season 12-3. Both previous losses had come by only one goal -- to Penn State and UMBC.
Ohio State came out with all the early momentum and twice ran to two-goal leads before the Tar Heel defense clamped down. Kyle Olson opened the scoring for the Buckeyes on a goal in the third minute of the game before Will evened the game on the first of his three goals at the 7:14 mark of the first period. The Buckeyes got a pair of goals by Shaun Lyons in the final 2:34 of the first period to retake the lead at 3-1. Lyons' first goal, at 2:34, was assisted by Ryan Laffey. Lyons also added a goal with only five seconds left in the period to boost the OSU lead to two goals.
Carolina bounced back to tie the game quickly. Frew won the opening faceoff of the second period and while being pressured on the right sideline he found Prossner open down the middle of the field for a goal at the 14:44 mark. Will then tied the game for UNC at 13:18 of the second period on an unassisted goal. The Buckeyes regained the momentum on an extra-man goal by Gary Bining, assisted by Anthony Gilardi, at 8:18 and a goal by Andrew Bender, assisted by Craig Nolan, just 24 seconds later after Frew was stripped of possession on the ensuing faceoff.
The Tar Heels then elevated their game and shut down Ohio State, not allowing a goal in the next 34:23. With 6:32 left in the first half, senior midfielder Johnny Seivold pulled the Tar Heels within a goal and then at 5:03, Zimmerman scored the first of his three goals -- his first-ever hat trick -- on a fast break off an assist by defenseman Ronnie Staines. UNC then took the lead for good on Prossner's second goal of the quarter, assisted by Andrew Lucas, on a man-up opportunity wth 1:12 left before halftime.
UNC continued its inspired play in the second half as sophomore attackman Ryan Blair picked up his game, figuring on four of UNC's six goals in the half. At 10:53 of the third period, he fed a cutting Bryant Will from behind the net for a putaway to make the score 7-5. Then with nine seconds left in the third quarter, it was Zimmerman who scooped up a rebound on the edge of the crease and buried it for an 8-5 cushion.
Prossner scored from Blair with 13:22 left in the fourth quarter before Prossner assisted Zimmerman at the 6:49 mark to stretch the lead to 10-5. Blair scored into an empty goal with just over four minutes left in the game to up the lead to 11-5. The Buckeyes forced a turnover after UNC won the ensuing faceoff and Bender scored an unassisted goal with 3:31 to play to break the long scoring drought for OSU. UNC finished off the scoring with 2:41 to play when Will fed Blair cross crease and the sophomore tomahawked the ball down into the goal for the final tally.
UNC dominated the game statistically with 44 shots to 27 for the Buckeyes and 47 ground balls to 23 for Ohio State. Tony Russo made 18 saves for Ohio State and Paul Spellman had nine for Carolina, including six in a row after the fifth Ohio State goal had put the Buckeyes up 5-3 early in the second quarter.
Frew ran his season ground ball total to 117 by claiming 11 in the game. That is the third most ground balls in a single season in UNC history. He has now won 187 faceoffs this season, extending the school record he set in the ACC Tournament semifinals against Virginia. Frew has now won 414 faceoffs in his career, 15 shy of the school record held by Jude Collins (1993-96).
|Bryant Will
|(1, 3)
|Ryan Blair
|(2, 2)
|Lance Zimmerman
|(1, 2)
|Jed Prossner
|(2, 1)
|Andrew Lucas
|(1, 2)
|Mike Mccall
|(3, 0)
|Andrew Mcelduff
|(1, 0)
|Dave Duffy
|(1, 0)
|Johnny Seivold
|(1, 0)
|Paul Spellman
|13 (0.684)
|Current Record
|North Carolina
|Anthony Gilardi
|(1, 1)
|Kyle Olson
|(2, 0)
|Ben Wolff
|(0, 2)
|Craig Nolan
|(1, 0)
|Tony Russo
|(1, 0)
|Josh Wittenberg
|(1, 0)
|Tony Russo
|13 (0.500)
|Jon Miller
|1 (1.000)
|Current Record
|Ohio State


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Selectively deuterated liquid crystalline cyanoazobenzene side-chain polyesters. 1. Preparation and characterization of precursors and diols.
In: Molecular Crystals and Liquid Crystals Science and Technology, Section A: Molecular Crystals and Liquid Crystals (Mol Cryst Liq Cryst Sci Technol Sect A Mol Crys Liq Cryst), Jg. 319 (1998), S. 207-230
Zeitschriftenaufsatz / Fach: Chemie
Di-Ph perdeuterated adipate and tetradecanedioate, and three different, selectively deuterium labeled 2-[6-[4-[(4-cyanophenyl)azo]phenoxy]hexyl]-1,3-propanediols have been prepd. by exchange and redn. techniques. 1H and 2H NMR spectroscopic investigations have revealed the deuterium exchange in the esters to be higher than 93% and evenly distributed. Similarly, a varying but high deuterium exchange was detected in the selectively labeled diols. All deuterated samples were addnl. characterized in detail by 13C NMR spectroscopy; the deuterium isotope effect conclusively assisted some of the shift assignments. No isotope effect could be detected by visible spectroscopy in any of the deuterated diols. On the other hand, FTIR in all deuterated compds. reveals a substantial frequency shift of all carbon-deuteron vibrations as compared to the corresponding carbon-hydrogen vibrations. Polarizing optical microscopic and differential scanning calorimetric investigations have identified all the deuterium labeled diols as monotropic liq. crystals with both nematic and smectic A phases.


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A tip of the hat to you, Blaine Gabbert. A pat on the back. An attaboy.
You played well Saturday night against the Jets. Very well. You looked like a real NFL quarterback, a quarterback who could lead a team to victory.
Now you have to do it again . . . and again . . . and again.
If you couldn't make all of the throws you wouldn't have been drafted in the first round; you wouldn't have survived two years in the NFL. All NFL quarterbacks can make the throws.
But in the NFL it isn't about what you CAN do, it's about what you DO -- time after time. Yeah, it is a what-have-you-done-for-me-lately world you live in.
Bad performances have to be the exception, not the rule. You proved you could do it. Now keep proving it.
The difference between the superstar quarterbacks, the middle-of-the-pack quarterbacks and the bad quarterbacks is that old buzz word: consistency. Aaron Rodgers and Tom Brady make the good throws 80 to 90 percent of the time. I'm talking about getting into the right play, finding the open receiver and throwing the ball accurately. The average quarterbacks do it 50 to 60 percent of the time. The stinkers, which is what you've been, do it 20 percent of the time.
You've had a small handful of really good games in your brief career, but in most games you've repeatedly looked puzzled, looked nervous, looked blind and missed the target you were trying to hit. Not having a strong supporting cast hasn't helped you, but your bad play speaks for itself.
Against the Jets, however, you made the deep throw right off the bat, hitting Ace Sanders down the middle. You made a couple of difficult sideline throws with defenders in your face. Ironically, your worse throw came on your 5-yard touchdown pass to tight end Allen Reisner. Reisner had to make a good catch on what was a throw any high school quarterback could make. Still, 13 of 16 for 165 yards and a TD is a good game for any quarterback.
I've been your biggest critic. Honestly, I still don't have high expectations for you. But Saturday night against the Jets was you taking a step to prove me wrong. Good luck.
Return to: Lamm at Large Blog


text: Tim Boyle, Getty Images [ Woman Uninjured After Hitting Train By Jim Rondenelli January 28, 2013 The Oneida County Sheriff's Office say a Middleville woman drove her vehicle into the side of a moving Amtrak train in Verona. Read More|Comment Category: Utica-Rome News Tags: amtrak train, blackmans corners road, oneida county sheriff's office, shelby schumacher Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


text: Doug Randall, Townsquare Media [ Mother of Student Deceased Wrestler Sues Hospital By Associated Press December 26, 2013 he mother of a paralyzed 16-year-old high school wrestler has filed a wrongful death lawsuit against a Wyoming hospital that treated him. Read More|Comment Category: Associated Press, Wyoming News Tags: Cheyenne, Cheyenne Regional Medical Center, wrestling Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


text:
PRINCETON, N.C. — Oklahoma just called in the GPS-equipped Judas pigs, which lead hunters to their unsuspecting friends. Texans started gunning down wild hogs from helicopters last year. South Carolina legislators have drafted a bill that allows hunting with night-vision devices.
And wildlife officials in North Carolina have endorsed hunting wild pigs after dark without a license. That's on top of a $5,000-per-pig fine approved last year to prevent hunters from transporting wild hogs and a nuisance designation that made them easier to hunt or trap.
Athens, GA • Athens Banner-Herald ©2015. All Rights Reserved.


text:
Wheating advances easily
UO junior Andrew Wheating dominated his qualifying heat of the 800 meters as he easily advanced to Sataurday's final with a time of 1:49.17 at the NCAA Indoor Track & Field Championships in College Station, Texas.
Wheating was in control the entire race, safely tucked behind leader Zach Beth of Wisconsin, until blowing past him and into the lead with 100 meters left in the race.
Hmmm. Sound familiar?
The 2008 Olympian didn't seem to be bothered at all by a blister on the bottom of his foot.
Curtis Anderson covered UO track and field for The Register-Guard from 1990-96, and again since 2005. He covered the 2012 Olympic Games in London, in addition to the U.S. Olympic Track & Field Trials in New Orleans (1992), Atlanta (1996) and Hayward Field (2008 and 2012). He is the winner of the Jesse Abramson Award, presented by the Track & Field Writers of America for excellence in coverage in 2008.


text:
Best of News
These images show the location of a French airstrike on a rebel... NyhetsfotoBild,DigitalGlobe,Flygräd,Fotografi,Fransk kultur,Horisontell,Mali,Satellitbild,Timbuktu - Mali,Uppror,Vetenskap och teknologiPhotographer DigitalGlobeCollection: DigitalGlobe 2013 DigitalGlobeTIMBUKTU-MALI-JANUARY 15 and 29, 2013: These images show the location of a French airstrike on a rebel compound just south of Timbuktu, Mali. The compound, reported to be formerly owned by Muammar Qaddafi, appears to have been hit twice, as shown in satellite imagery. With the help of Malian troops, French-led forces consisting of 200 paratroopers and an armed battalion began their offensive on January 11, 2013, to drive the rebels of the militant Islamist alliance out of town (Photo DigitalGlobe via Getty Images)


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We haven't seen too much of "That 70s Star" Wilmer Valderrama lately ... but yesterday in Miami, we sure saw a lot!
Wilmer hit South Beach for a run and swim with an unknown and extremely fit lady friend on Thursday -- and he was sure bringin' the heat.
Check out all the work out pics!
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text:
(800) 485-0068 | Email Us!
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text:
This Business Online Banking Agreement ("Agreement") establishes the terms and conditions for electronic access to your accounts using our Business Online Banking Services. Please read this Agreement carefully and retain a copy for your records.
You expressly agree to and consent to be bound by all of the terms of this Agreement if you do any of the following: (i) execute this Agreement in hard-copy form; or (ii) access, use or install our Business Online Banking Services.
In addition to other terms defined in this Agreement, the following terms have the following meanings:
1.1."Accounts" means the deposit and loan accounts that you maintain with us. Not all Services are available with all your Accounts.
1.2."Agreement" means this Suburban Bank & Trust Company Business Online Banking Agreement as it may be amended, supplemented or revised by us from time to time.
1.3."Application" means the Business Online Banking Application you complete in order to obtain access to the Business Online Banking System.
1.4."Business Day" means any day that we are open for banking services but excluding bank holidays, Saturday and Sunday.
1.5."Access Codes" means the access ID and password used by you to access the Business Online Banking System and Services.
1.6."Website," refers to the Suburban Bank & Trust Company official website.
1.7."We," "us," "our," "Bank," "SBT" and similar words refer to Suburban Bank & Trust Company.
1.8. "You," "yours" and similar words refer to the corporation, partnership (general, limited or LLP), limited liability company, association, or other non-natural person who executes this Agreement or who applies for access to the Business Online Banking System and uses the Services.
This Agreement applies to your use of our commercial Internet banking service, which permits you to access certain accounts you have with us via the Internet for services selected by you and agreed upon by us.
To establish Business Online Banking, you must complete certain enrollment forms or other documents (Business Online Banking Application) evidencing your desire to access your accounts using Business Online Banking and identifying the specific accounts that will be accessible. The specific services available to you are identified in your Business Online Banking Application.
You warrant that you will perform your obligations under this Agreement consistent with all applicable Bank rules and regulations and that all information that you provide us is accurate, timely, and has been authorized by you, and in the event that you breach any of the forgoing warranties, you agree to indemnify Bank against any loss, liability, or expense. You agree to indemnify and hold Bank harmless for any and all acts of any employees or persons who you grant access to or who gain access your Internet Banking account. You consent, by execution of this Agreement, to disclosure of your customer information to those that gain access to your accounts.
Use of these Services is at your own risk. You are responsible for the installation, maintenance, and operation of your computer and browser software, anti-virus software and personal computer firewall. The risk of error, failure, or nonperformance is your risk and includes the risk that you do not operate the computer software properly. We make no warranty to you regarding the computer software, including any warranty of merchantability or fitness for a particular purpose. We are not responsible for any errors or failures from any malfunction of your computer or the software. We are not responsible for any electronic virus or viruses that you may encounter. We are not responsible for any computer virus or related problems that may be associated with the use of the Services. We have no liability to you for any damage or any other loss directly or consequential, which you may suffer or incur by reason of your use of the computer or software. We encourage our customers to routinely scan their PC and Media using a reliable anti-virus product to detect or remove any viruses. Undetected or un-repaired viruses may destroy your programs, files and even your hardware. Additionally you may unintentionally transmit the virus to other computers. We also encourage you to purchase and employ a reliable firewall on your computer that will protect your computer from intrusion while you are connected to the Internet. You are solely responsible for the proper installation, configuration, and maintenance of an intrusion detection system you may employ.
At Suburban Bank and Trust Company, we understand the importance of the responsibility that our customers have entrusted to us. Suburban Bank and Trust Company is proud of the sophisticated level of data security and privacy supplied to its Internet Banking clients and their account holders. Data security is provided on multiple levels: by firewall, intrusion detection software, network monitoring, application level security and company policy.
Firewall: A firewall serves as a security gate between the Internet and our network including Information Technologies Inc. (ITI) mainframe data. By intercepting Internet data packets first, the firewall ensures that only packets permitted by our rule set may be passed beyond the public Internet to our secure web commerce server, and ultimately to the ITI Internet Banking application.
Application Level Security: Unique user codes and passwords identify authorized accountholders. The combined effect of ITI security and network security allow clients to access only mainframe or other networked host areas permitted through the Internet Banking application.
Secure Socket Layer (SSL): We use the SSL encryption technology for everything you do in the Internet Banking system. This technology is automatically activated by your browser when it attempts to connect to our Service. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. What this means is that your communications are scrambled from your browser to our servers at all times making it nearly impossible for an unauthorized party to read the information as it is carried over the Internet.
You agree to identify, in your Application, a person to be your authorized Senior Administrator. We will issue a Password or other access code ("Password(s)") to the authorized Senior Administrator, which will allow the authorized Senior Administrator to access all of the services available to you using Business Online Banking. You understand and agree that upon receipt of the initial Password by the authorized Senior Administrator, the authorized Senior Administrator will have full access to perform all the services we provide to you over Business Online Banking. You understand and agree that the authorized Senior Administrator also has the authority to assign Passwords to other persons, to identify the services that may be performed using each Password, and to amend and revoke assigned Passwords and the services that may be performed using the assigned Passwords.
You are responsible for maintaining the confidentiality of the Passwords. You understand and agree that you are responsible for all transactions incurred using your Passwords. You agree to disclose Passwords only to those individuals authorized to use Business Online Banking Services of a particular level in Business Online Banking. Anyone to whom you disclose your Passwords and anyone who has access to your Passwords will have full access to the services you can perform on Business Online Banking, including full access to your Accounts. The person's authority will be limited only to the extent that the Password was established with limitations on the services that could be performed using the Password. We are entitled to presume that all communications containing proper Passwords are authorized by you and to act upon those communications, and you will be bound by any transaction performed by any person using the Password. You assume full responsibility and liability for the consequences of any misuse or unauthorized use of or access to Business Online Banking or disclosure of any confidential information or instructions of yours by your employees, agents or other third parties that gain access to your Passwords. It is solely your responsibility to communicate with the Bank to maintain current access codes and to disable or remove employees who no longer work for you. Failure to disable access of former employees by you could result in financial loss to you. You agree to hold the Bank harmless for any loss due to your failure to disable or remove access codes of former employees or employees whose status has changed from authorized to unauthorized. The use of the Password as a security measure supersedes any other security procedures in agreements you have with us relating to funds transfers such as a wire transfer agreement or Automated Clearing House (ACH) Agreement.
Suburban Bank and Trust Company will NEVER contact you to ask for your user ID or Password. If you are approached by anyone to provide your user ID and Password, DO NOT PROVIDE THIS INFORMATION. Contact the Bank immediately, as you could be the victim of attempted fraud or identity theft. Tell us at once if you believe any of your Passwords have been lost, stolen or otherwise made available to an unauthorized person. Telephoning the Bank is the best way to minimize possible losses. All the money in your Accounts (plus your maximum overdraft line of credit) may be at risk in the event of fraudulent access to your account(s). If you believe your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, use one of the following methods:
1. Call 877-279-1300
2. Or write to us at:
Suburban Bank and Trust Company
Attn: Internet Banking
PO Box 419
Elmhurst, IL 60126
Immediately contacting us by phone is the best way of reducing your possible losses, since not all e-mail may arrive at their destinations in a timely manner. We will send e-mail back to you as confirmation that we did receive it. Because E-mail is not secure, do not include any of your account or social security numbers within your e-mail. Your name, address, daytime phone number, and a brief message description of the problem is all we will need.
If you notify us of a loss, your liability for unauthorized transactions or payments will be as follows:
• If you contact us within two business days of the loss or your discovery of the loss, you can lose no more than $50.00 if someone used your Internet Banking ID and Password without your permission.
• If someone else used your Internet Banking ID and Password without your permission, you could lose as much as $500 if you do not contact us within two business days after you learn of the loss and we can prove that we could have prevented the loss if you had contacted us.
• If your statement shows transfers or payments that you did not make, notify us at once. If you do not tell us within sixty (60) days after the first statement showing such a transfer was mailed to you, you may not get back any funds lost after the 60 days, if we can prove your contacting us would have prevented those losses.
• If you have given someone your Internet Banking ID and Password or other means of access and want to terminate that person's authority, you must change your identification number and Password or other means of access or take additional steps to prevent further access by such person.
In case of errors or questions about your electronic transfers call us at 877-279-1300 or write us at:
Suburban Bank and Trust Company
150 East Butterfield Road
Elmhurst, IL 60126
Notify us immediately if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error first appeared. (1) Tell us your name and account number. (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days for new accounts or point-of-sale or foreign-initiated transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days for new accounts) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
We may disclose information to third parties about your account or the transactions you make: a) where it is necessary for completing transactions or resolving errors involving the Services; or b) in order to verify the existence and condition of your account for a third party, such as a credit bureau or a merchant; or c) in order to comply with government agency rules, court orders, or other applicable law; or d) to our employees, service providers, auditors, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law; or e) if you give us permission.
Business days are days we are open for banking services but excluding bank holidays, Saturday and Sunday. We can process a fund transfer on the same business day as your instructions, if we receive your instructions before our Business Online Banking cut-off hour of 2:00 p.m. CST on a business day. If we receive your instruction after the cut-off hour of our business day, we process the transaction on our next business day. If you schedule a fund transfer for a future date, we process the transaction after the close of business on that date, if that day is a business day. If the date you request for a future transfer or payment is not a business day, we process the transaction on the business day immediately preceding the date you have requested. If you schedule a recurring funds transfer and the payment date does not exist in a month, the payment will be processed on the last business day of that month.
Using your Password and the Business Online Banking you can perform all the functions described in the Application, in connection with the Accounts described in the Applications, and you can:
1. View account information.
2. Transfer funds among your deposit accounts with us.
3. Transfer funds from your line of credit to your checking account with us, per Commercial Lending approval.
4. Make transfers out of deposit accounts to your loan accounts with us.
5. Subject to available funds, you may transfer funds using Business Online Banking in any amount.
6. Additional functions may be made available from time to time, subject to the terms and conditions of this Agreement.
1. You may initiate Funds Transfers between accounts held at the bank. The transfers will be processed on the effective day of the transfer, providing:
a.) That the transfer reaches the bank by the 2:00 p.m. CST cut-off time for such transfers, and
b.) Unless otherwise agreed by the Bank in advance, that the account has sufficient collected funds to pay the requested transfer.
2. Customer may initiate ACH file transfers from your account provided that:
a.) A completed ACH agreement and authorized daily limits are already in place with the Bank;
b.) All ACH transfer requests reach the bank 48 hours prior to the day the customer desires the transfer and
c.) Unless otherwise agreed by the Bank in advance, that the account has sufficient collected funds to pay the requested transfer.
The Bank shall not be obligated to send ACH transfer advices or notices to you, except as may be reflected in your monthly bank statement and except as provided in the Business Online Banking service through the use of the file transfer listing feature. You shall be solely responsible for verifying the accuracy of the information contained in an ACH file transfer request. The Bank in its sole discretion and without prior notice to you, may refuse to honor any ACH file transfer request if honoring the request would overdraw the account or violate the terms of this agreement or any local, state or federal law governing the Bank. In the event your account is overdrawn as a result of the Bank honoring an ACH file transfer request, such action shall not be deemed a waiver of the Bank's rights regarding future ACH file transfer requests, and your agree to replenish the overdrawn account on or before the Bank's next business day.
SBT offers the convenience of receiving online, email, or text alerts your accounts. The alerts are available to retail online banking customers and are activated through your online banking profile. To set up SBT Account Alerts simply log into online banking and go to the Alerts section at the top of the page. Click on the type of account you wish to set up an alert for.
SBT does not charge a fee for using SBT Account Alerts. If you choose to receive alerts via your mobile device you are responsible for any fees that may be assessed by your service provider for text messages and/or data usage.
Your ability to receive and access SBT Account Alerts may be delayed or interrupted by circumstances affecting your computer, email provider, internet provider, mobile device, or mobile device service provider and/or other factors beyond our control. SBT is not responsible for any fees resulting from the delayed, interrupted, or failure of an alert to be delivered.
1. Bill Pay Eligibility
The bank has enacted certain eligibility standards that all customers must meet before access to the Bill Pay system will be granted. The customer is not to exceed three times overdrawn, three days overdrawn, or three days non-sufficient funds in any checking account that could be used for Bill Pay within a six month period before the Bill Pay application is received. If the account does not have sufficient history then the bank will refer to Chexsystem and/or a credit report to determine eligibility. If the customer is denied the use of a debit card they are automatically ineligible for the Bill Pay service for a period of six months. If the Bill Pay application is denied, the bank, at the customer's request, will review Bill Pay eligibility six months after the date the application was received and make a determination if access to the Bill Pay services will be granted at that time.
The bank reserves the right to deny access to the Bill Pay service if the service is abused by the customer. If the service is to be deactivated the customer will receive notice by certified mail as to the deactivation date. It is the customer's responsibility to make other arrangements for payments if deactivation of Bill Pay will occur. The bank will not be held liable for any missed payments and/or fees due to deactivation of the Bill Pay services.
2. How to Set Up Payees/Payments
Complete a bill paying enrollment form. IF YOU WANT TO ADD A NEW PAYEE, USE "SET UP ACOUNTS/PAYEE" ON THE INTERNET OR SPEAK TO A SERVICE REPRESENTATIVE. You may add a new fixed payment to a Payee, only if the Payee is on your authorized list of payees, and by accessing the Service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the Service. The Bank reserves the right to refuse the designation of a Payee for any reason. Each Payee accepted by the Bank will be assigned a payee code. You may pay almost any payee you wish. There are several restrictions: 1) The merchant must be located in the United States; 2) Payments may not be remitted to tax authorities or government and collection agencies; 3) Payments may not be remitted to security companies such as Ameritrade for stock purchases or trade taxing authorities and 4) Court directed payments are unauthorized (Alimony, child support, or other legal debts). A merchant is defined as anybody (company or individual) to whom you want to send money.
The Bank is not responsible if a Bill Payment can not be made due to incomplete, incorrect, or outdated information provided by you regarding a Payee or if you attempt to pay a Payee that is not on your Authorized Payee list.
3.The Bill Paying Process
a.) Single Payments - A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment's process date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time is currently 3 p.m. CST. A single payment submitted after the cut-off on the designated process date will be processed on the following business day. If you designate a non-business date (generally weekends and certain holidays) as the payment's process date, the payment will be processed on the first business day following the designated process date.
b.) Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:
1. If the recurring payment's "Pay Backward" option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date.
2. If the recurring payment's "Pay Backward" option is not selected (or if the "Pay Backward" option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date.
Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date.
For Single and Recurring Electronic Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. For Single and Recurring Check Payments, YOU MUST ALLOW AT LEAST TEN (10) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time (3 p.m.) on the business day prior to the business day the bill payment is going to be initiated.
You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Bank. The Bank reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and the Bank has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree the Bank, at its option, may charge any of your accounts with the Bank to cover such payment obligations.
You will receive notice if the cut-off time changes.
c.) Bill Pay Liability - You are solely responsible for controlling the safekeeping of and access to, your Personal Identification Number (PIN). You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. If you want to terminate another person's authority, you must notify the Bank and arrange to change your PIN. You will be responsible for any Bill Payment request you make that contains an error or is a duplicate of another Bill Payment. The Bank is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment. The Bank is not liable for any failure to make a Bill Payment if you fail to promptly notify the Bank after you learn that you have not received credit from a Payee for a Bill Payment. The Bank is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Bank's agent. In any event, the Bank will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Service, even if the Bank has knowledge of the possibility of them. The Bank is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Bank's reasonable control.
You agree to pay our fees and charges for your use of Business Online banking, as set by us from time to time. You agree that fees and charges may be deducted from any of the Accounts maintained by us for you or any other accounts of yours. You agree to pay any additional charges for services you request from us which are not covered by this Agreement. You are also responsible for telephone, internet service and any other third party fees you incur in connection with your use of Business Online Banking and the Services. We may modify any fees or charges at any time and from time to time. We will provide you with notice of any changed fees or charges, normally in advance of the effective date of the change. Our current fees and charges are available at any of our branches or can be obtained by calling 877-279-1300 during regular banking hours.
1. Canceling an Order. You may cancel or change a pending funds transfer by selecting the "incomplete funds transfers" and accurately changing the appropriate fields from the funds transfer menu before the transaction is processed by us at 4:00 p.m. CST on the scheduled day of the transfer.
2. Our Rights. If we fail to cancel or stop any funds transfer, we have all of the rights given to us under our Deposit Account Agreement with you for failing to comply with a valid stop payment request as though the transfer request is a check.
When you schedule a funds transfer using the Business Online Banking, you authorize us to withdraw the necessary funds from your designated Account with us. We deduct the amount of your funds transfer from your designated Account on the date we process your instruction. Each instruction to us to withdraw or transfer from an Account is an order to us to pay from the Account at that time or on a later date, if any, indicated in the instruction. We may charge payments against the Account even though the charge creates an overdraft, or we may refuse to make payments if the charge creates an overdraft. If you overdraw your Account, you agree to immediately pay us the overdrawn amount, together with any applicable fees. If the Account is maintained in connection with an overdraft credit plan, any overdraft will be made in accordance with the agreement or rules governing that Account rather than this Agreement.
Each fund transfer through Business Online Banking from your savings or money market deposit account is subject to the same transfer limitations indicated in the Deposit Account Rules Disclosure you received at account opening for your savings or money market deposit account.
You agree to be charged for any applicable Internet Banking fees as listed in Bank's fee schedule. We reserve the right to change our fee schedule from time to time and your account will be charged in accordance with the new fee schedule after giving you proper notification. All Bill Payment fees will be assessed to your designated Bank checking account.
We are not obligated to make any transfer:
1. If, through no fault of ours, your Account does not contain sufficient collected funds to make the transfer.
2. If the money in your Account is subject to legal process or other encumbrances restricting the transfer.
3. If the transfer would go over the credit limit on your overdraft credit plan, if any.
4. If a transfer system was not working properly and you knew about the breakdown when you started the transfer.
5. If circumstances beyond our control (such as fire, flood or power failure) prevent the transfer or use of Business Online Banking despite reasonable precautions that we have taken.
6. If incomplete or inaccurate information is forwarded to us by you or through an automated clearinghouse.
7. If you have not properly followed the instructions for using Business Online Banking.
8. If your operating system is not properly installed or functioning properly.
9. For errors or failures from any malfunctions of your browser, Business Online Banking provider, computer, computer virus or other problems relating to the computer equipment you use with the Business Online Banking, including, without limitation, your inability to access Business Online Banking or any part of Business Online Banking.
10. For a failure to provide access or for interruptions in access to the Business Online Banking due to Business Online Banking system failure.
Notwithstanding any other provision in this agreement, unless otherwise prohibited by law, our sole responsibility for an error by us or our third party provider in transferring funds, paying a bill, or otherwise arising from or relating to this agreement will be to correct any errors [and pay any penalties and associated late charges to the payee], but in no case will we be liable for any indirect, special, incidental or consequential damages in connection with or in any way related to Business Online Banking or our performance hereunder.
You agree to indemnify and hold us harmless from any and all claims, demands, actions, suits, damages, judgments, liabilities, costs and expenses, and attorney's fees arising out of or resulting from your use of Business Online Banking or your breach of any of your obligations under this agreement. Your obligation to indemnify us shall survive termination of this agreement.
We may modify, suspend or terminate your privilege of using Business Online Banking and may withhold approval of any transaction, at any time, without prior notice to you. In the event we terminate Business Online Banking, we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable. You may terminate Business Online Banking upon our receipt of written notice from you. Termination shall not affect the rights and obligations of the parties for transactions made with the Business Online Banking before we have had a reasonable time to respond to your termination request.
All future funds transfers, whether recurring or individual payments, will be cancelled when the Business Online Banking is terminated on the system. If there will be a delay in providing us with a written notice of termination you must cancel all future funds transfers, whether recurring or individual payments, when you terminate Business Online Banking or we will continue to process such payments.
We may amend this Agreement at any time. Notice will be sent to you at your current address in our files. Amendments will be effective upon the date indicated in the notice.
You acknowledges that your will be fully responsible and liable for any transactions initiated under this agreement. You acknowledge that you are in the best position to monitor the use of the Business Online Banking Service, avoid errors in transmitting transactions through the use of the Business Online Banking Service, protect the confidentiality and secrecy of the passwords and govern the authority given to each authorized users. Therefore, you agree that the Bank shall have no duty or obligation to verify information submitted by you in using the Business Online Banking Service or be responsible or liable for any unauthorized use of the Business Online Banking Service or errors in transactions initiated by you.
The Bank shall have no liability for performing its obligations herein if such failure to perform is a result of circumstances beyond the Bank's control. In no event shall the Bank be held liable for any consequential, exemplary, punitive, or special damages to you for any unauthorized use or error in transmitting a transaction initiated by you in using the Business Online Banking Service.
You agree to indemnify and hold the Bank, its officers, directors, agents and employees harmless from all claims, demand, judgments, expenses, liability, causes of action and damages, arising out of your use of the Business Online Banking Service. These indemnification paragraphs shall survive termination of this agreement.
This Agreement is intended to supplement and not to replace other agreements between you and us relating to your Accounts, including, without limitation, our Deposit Account Rules, ACH Agreements and Wire Transfer Agreements. In the event of a conflict between this Agreement and any other Account rules and agreements that apply to your Accounts or the functions performed using Business Online Banking, this Agreement shall govern and prevail.
Any required notice or other communication will be addressed and delivered to you, the customer, at the address on file with the Bank, or via electronic mail. You, the customer, are responsible for notifying the bank of any change in physical, mailing, or e-mail address.
You may not assign this agreement without the express written consent of the Bank. This agreement shall be binding on the parties hereto, and their respective heirs, assigns, and successors in interest.
In accordance with Article 4A of the Uniform Commercial Code and as required by the State of Illinois, Suburban Bank & Trust provides the following notice of your rights and limitations when conducting transactions via wire transactions and /or automated clearing house (ACH). NOTICE OF THE USE OF FEDWIRE: 1. If you send or receive a wire transfer, Fedwire may be used. Regulation J is the law covering all Fedwire transactions. NOTICE REGARDING IDENTIFICATION OF BENEFICIARY: 2. If you give us a payment order which identifies the beneficiary (recipient of funds) by both name and identifying or account number, payment may be made by the beneficiary's bank on the basis of the identifying or bank account number, even if the number identifies a person different than the named beneficiary. NOTICE REGARDING IDENTIFICATION OF BANKS: 3. If you give us a payment order which identifies an intermediary or beneficiary's bank by both name and an identifying number, a receiving bank may rely on the number as the proper identification even if it identifies a different person than the named bank. NOTICE OF PROVISIONAL NATURE OF ACH PAYMENTS: 4. We may give you credit for automated clearing house (ACH) payments before we receive final settlement of the funds transfer. Any such credit is provisional until we receive final settlement of the payment. You are hereby notified and agree, if we do not receive such final settlement, that we are entitled to a refund from you of the amount credited to you in connection with that ACH entry. NOTICE REGARDING RECEIPT OF ACH ITEM: 5. ACH transactions are governed by operating rules of the National Automated Clearing House Association. In accordance with these rules, we will not provide you with next day notice of receipt of ACH credit transfers to your account. You will receive notices of receipt of ACH items in the periodic account statements.
This Agreement shall be construed in accordance with the laws of the State of Illinois, without regard to conflicts of law principle. You agree that any and all disputes arising out of this Agreement shall be resolved in the circuit courts located in DuPage County, Illinois or the federal courts located in Chicago, Illinois, as the case may be.
If any action at law or equity is brought to enforce or interpret the provisions of this Agreement, the prevailing party shall be entitled to recover reasonable attorneys' fees and expenses from the other party, which fees and expenses may be set by the court in the trial or appeal of such action or may be enforced in a separate action brought for that purpose, and which fees and expenses shall be in addition to any other relief that may be awarded.
If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs, successors and assigns. Any of your obligations pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement and the Application Form constitutes the entire agreement between you and Bank with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein. The terms and conditions of the deposit agreements and disclosures for each of your Accounts, as well as your other agreements with Bank (such as for loans or other services), continue to apply except as specifically altered by this Agreement. You represent and warrant that this Agreement, once duly executed and delivered by both parties, will be a valid agreement enforceable against you in accordance with its terms. You agree to cooperate with Bank in all manner reasonably requested by Bank, including providing Bank with information about you and executing and delivering to Bank any documents reasonably requested by Bank to further the purposes of this Agreement.
By completing and signing the Business Online Banking Application, you agree to all terms and conditions of the Business Online Banking Agreement and any subsequent amendments to Suburban Bank and Trust Company's Business Online Banking Agreement.
We recommend that you print a copy of the agreement for your records.
I have read the agreement and ACCEPT the terms of SBT's Online Banking Agreement.


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Hiking in New Zealand
If you want to truly absorb the splendor of New Zealand's stunning landscapes, grab a pack, your hiking boots and sense of adventure. It's time to go exploring.
100% Pure Diversity
New Zealand hiking experiences range from leisurely hour long beach walks to week-long excursions through rainforests and mountains. There's no better way to experience the diversity of New Zealand's outdoors than by walking.
New Zealand has thousands of miles of trails. About 30 percent of the country is protected land and National Parks offer plenty of tracks to choose from. You can easily access every park and every terrain; from lush native rainforest and rugged coastal walks, through high country farmland and up spectacular glaciers.
Exploring the 'Great Walks'
New Zealand has nine famous 'Great Walks'. These hikes take you to the most magnificent placesin the country. The most well known of these is the Milford Track in Fiordland. The 33 mile journey takes you through pristine lakes, sky-scraping mountain peaks, enormous valley views and the cascade of the tallest waterfall in New Zealand.
The other Great Walks include Abel Tasman Coast, Heaphy Track, Kepler Track, Lake Waikaremoana, Rakiura Track, Routeburn Track, Tongariro Northern Circuit, and Whanganui Journey.
Also check out the brand new national walkway project, Te Araroa, which runs the entire length of the country!
Move those feet
Whether you chose to join one of the many guided tours or set out on your own adventure at your own pace, start planning your New Zealand hiking vacation now.


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Professor: Dr. Simona Trandafir
Semester: Fall
Credits: 3
Prerequisites: EEC 105 or permission of instructor
Catalog Description: Basic concepts in benefit-cost analysis. Measurement, comparison of benefits and costs over time, and criteria for evaluation of projects and public policies. Problems and case studies in evaluation of current natural resources issues.
Every time you make a decision you engage in some sort of benefit cost analysis. Should you continue your education/training or should you find a job? These decisions require you to compare the impacts or advantages and disadvantages of each option. Environmental projects decisions involve the same line of reasoning. The only difference being: instead of analyzing only our very own advantages and disadvantages, when environmental resources are involve we have to assess the societal advantages and disadvantages. In other words, each and every member of our society counts and their advantages and disadvantages of following a particular course of action should be counted.
Cost Benefit Analysis (CBA) is a core tool in applying economics to assess environmental and natural resource public programs and projects, such as pollution programs, energy projects, and human health policy. Policy analysts, government agencies, development banks and others use CBA to weigh whether the positive effects (benefits) of a proposed program or policy exceed the estimated costs. This course will provide you with a working knowledge of CBA concepts and methods. We will cover the basic concepts used to define benefits and costs in different cases. Discounting of future annual benefits and costs will be examined. Also to be considered is how non-marketed goods, equity, imperfect markets, and use of otherwise idle resources (e.g., labor) are included in CBA. Examples and problem sets will be used to reinforce your understanding of course material.
By the end of the semester students will be able to:
Class topics:
Dr. Simona Trandafir
Visiting Assistant Professor
Department of Environmental and Natural Resource Economics
211 Kingston Coastal Institute
Office: 401-874-2471
Fax: 401-872-4766
Email: firstname.lastname@example.com
Dr. Trandafir is an environmental economist who specializes in transportation economics. Her current research interests are:
Have ever wondered what the basis for choosing some environmental projects over others is? Or what is considered a benefit or a cost? Or whose benefits or costs count? Or whether these benefits and costs can, and should, be distributed fairly among members of society? This course will answer these questions (and many more) and equip you to become a better decision maker, whether you are on the regulatory or regulated side. On a more personal level, this course will offer you a perspective on how advantages and disadvantages of any decision we make should be considered and weighed to reach the best outcome possible.