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And More...
At Thompson Automotive, we take great pride in our work. We're highly know for the attention to detail we provide to all the cars we work on, our upstanding integrity, and efficiency that you cannot find anywhere else. We're a family owned and operated shop. Our owner/mechanic is an ASE Certified Master Technician with over 15 years of experience. We know the importance of having a safe reliable vehicle and we take all the time and dedication needed to make sure your car can run at top performance.
Located just minutes from Downtown Denver, Englewood, Littleton, and Highlands Ranch. Light rail access and shuttle service are conveniently available.
Thompson Automotive can see to all the automotive needs on your imported vehicle. Anything from a simple oil change to an engine rebuild, no job is too big or too small. We offer a vehicle inspections with every service and honest, expert advice. You and your import vehicle will be cared for and treated like family here at Thompson Automotive.


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How to Buy a Mac Computer at a Discount
Two Methods:What not to doGetting Your Deal
Many people prefer Apple computers, but are turned off by the steep prices. Here are some tips on what to do, and what not to do to find a discount Apple computer.
Method 1 of 2: What not to do
1Do not walk into your local Apple or Best Buy store and pick up a system. Apple always charges full retail plus sales tax where applicable. Check BestBuy.com for discounts and then go to the store and ask for the online discounted price. Of course, the friendly selection and purchase process at the Apple store might be worth a few hundred to some people, but it is recommended that your visits to the Apple store are to help pick which model to buy and choose between the glossy and matte screens, etc.Ad
2Do not buy a model near the end of its life. Check the MacRumors Buyers' Guide to see whether the model will be replaced soon. Your best deal will be on discontinued models, but if you want the latest system, remember that Apple generally does not discount current models as they age. A notable exception was the recent price drop on the top-of-the-line MacBook Air with the solid-state disk.
3Do not expect to get a dime knocked off a build-to-order system from Apple. You can sometimes get interesting configurations from resellers at some discount, however.
4Do not buy a lot of RAM. Apple is notorious for gouging on RAM upgrades - they currently charge $200 for 4 GB of RAM, twice as much as you would pay for the chips alone. And it's easy to upgrade RAM in almost all Apple systems, if it's not the new unibody Macbook's.
5Don't bother spending extra for a larger hard drive. Consider an External Hard Drive for Time Machine/Backup and for anything else you need.
6Don't waste your time looking for a great deal on MacBook batteries or power adapters. These things are notoriously unreliable and never discounted much. Just buy them from Apple.
7Don't buy from anyone but an authorized retailer. Since customer support is such a major factor in the Apple switch, only buy from authorized resellers. You don't want to get shafted with a grey-market device when you need service.Ad
Method 2 of 2: Getting Your Deal
1Consider an "outdated" system. Apple continues making old models, and MacMall and MacConnection blow them out for about 20% less than their original price. This is your best source for discounted Apple computers!
2Pick your system and configuration and stick to it. Find out the model number. It can get really confusing with different product generations sharing the same common name, but you can't go wrong with the official MA/MB model number!
3Check the Holy Trinity: Amazon, MacMall, and MacConnection. Price the whole thing out, including shipping and tax if applicable. One of these three will almost certainly have the best deal.
4If you qualify for an educational discount, find out what the price would be and use this as a benchmark. For current systems, this is probably the best price.
5Check apple's online clearance store for good deals on refurbished systems. But you have to keep checking and act fast!
6Watch out for rebates. Although they're unreliable, and you have to stay on top of them to make sure you get the money, this is the primary discount vehicle for Apple systems. So you have to grin and bear it.
7Consider bundles. Amazon offers discounted AppleCare, MacConnection offers free VMware Fusion, and MacMall offers free Parallels. If you want these things, this can seal the deal.Ad
Give us 3 minutes of knowledge!
Article Info
Categories: Selecting and Buying a Computer
In other languages:
Español: comprar una computadora Mac con descuento, Deutsch: Einen Mac Computer mit Ermäßigung kaufen, Português: Conseguir um Desconto na Compra de um iMac, Italiano: Acquistare un Mac presso un Discount, Русский: купить компьютер Mac со скидкой
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subset: commoncrawl


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Play our fun game and find out if the one you like likes you back. Confide in us if you think you'd hit it off by clicking: Yes, No, or Maybe. We'll anonymously find out and let you know if the feeling is mutual. You have nothing to lose!
You've already said YES! If the feeling is mutual, we'll let you both know.
You've already said No. If you've changed your mind, let us know. If you say Yes, we'll anonymously find out if the feeling is mutual. You have nothing to lose!
You've already said Maybe. If you've changed your mind, let us know. If you say Yes, we'll anonymously find out if the feeling is mutual. You have nothing to lose!
You both said YES! The feeling is mutual. Now the rest is up to you! Say Hi and get the conversation started.
I am a fun loving, modern Jewish woman with a strong belief in God. I am passionate about always being open to learn and experience life to the fullest. I am a people person that loves to travel. I also have a love and passion for oceans, beaches, boating, Israel, Judaism, good wine and food, my family of course my Old English Bulldog, Buddy. I curently live in beautiful Northwest Montana, but am excited for a new life adventure. I have owned and operated four very successful barber business over a span of 31 years and have currently been at this location for 12 of those. I have always continued to learn attending local colleges and on line courses in business and travel. I am a moderate conservative, a pro-Zoinist and proud of it, and a life-time Hadassah member.
Copyright © 2015 Spark Networks® USA, LLC. All rights reserved.Spark Networks USA, LLC is a wholly-owned subsidiary of Spark Networks, Inc., a NYSE MKT Company (LOV)
Spark Networks USA, LLC does not conduct background checks on the members or subscribers of this website. However, the safety and security of our members is our top priority. We urge all members to follow our online safety tips.
The Color Code icon tells you that this member has taken the FREE Color Code Personality Test and wants to share his/her results with you. You can read all about their Color Code profile on the new Color Code tab.
The Color Code, by Dr. Taylor Hartman, is one of the most insightful personality tests in existence, and is made up of four personality Colors, or driving Core Motives. The Color Code teaches you the real motives behind your actions and how to better relate to other personality types.
Don't miss this chance to get valuable, life-changing personal insight, it only takes less than 15 minutes and it's FREE!
Want to read more about this member's color code?
Read more now
Any woman who has more than one child can tell you how different each child is from birth. You are born with your personality intact. The Color Code is based on your natural, innate personality type. Of course, people may change over time, but your Core Color will always remain the same.
Sometimes it is difficult to choose from the four options given, but there is usually one that fits better than the rest, or at least one that you could see yourself as more so than the others. If you're still unsure, try asking someone who knows you well, such as a parent or sibling. They can give clarity on areas of your personality that you may not notice.


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Sophista DD-3 Front Surround Media System with Network Media Player, Direct Drive Center, USB Port, HDMI Output, DivX, Progressive Scan, Dolby
The DD-3 from the JVC Sophista Series is a Front Surround Speaker System with Direct Drive Technology which produces realistic sound in a wide acoustic field. The DD-3 has impressive features, impeccably stylish good loo ...
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Samsung HTE6730WZA
HT-E6730WZA Blu-ray Home Theater System With Blu-ray Disc Format-Qualified, Internet Connectable, Built-In Wi-Fi, Surround Sound Decoders, Playback Capability & Six 165W Satellite Speakers
Enjoy an immersive home theater experience with this Samsung 1330W 7.1-ch. home theater system that features 3D Blu-ray playback to provide stunning visuals. Built-in Wi-Fi enables easy connectivity.
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Panasonic SCBTT750
SC-BTT750 Full HD 3D Blu-ray Disc Home Theater System with Pure Direct Sound Speaker, Audio Return Channel, HDMI Out, Ethernet Terminal, Wireless Terminal and USB Slot, Black
Step into the 3D World. Watch 3D movies at home with Full HD 3D technology with the SC-BTT750*. To learn more about Panasonic's Full HD 3D technology, visit www.panasonic.com/3D* 3D content is only available when using 3 ...


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Health Insurance Quotes
Ask the Health Insurance Expert
My 24-year-old will be eligible for health coverage on her job, but can I still carry coverage and let her save that money?
The key here is to find out if your health plan is "grandfathered." That's a term the government uses for health plans that are allowed to sneak past the Affordable Care Act. Ask your benefits administrator at work.
If your plan is "grandfathered," it is not required to extend coverage to young adults if they are eligible for a health plan at their work. Here's more info from HHS.
Even if the plan is grandfathered, ask if they will allow her to be on the plan; some insurers are following provisions of the Affordable Care Act even though they don't have to.


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Others Aren't Personal
by Tanya Cora
others aren't personal
are they?
the best of friends
least of all
lending a book & clothes & stuff
but words make a book
& a book can
bring it on
does anyone notice
that books are sunshine
they make people too
don't they?
doubt it (then)
many a time
others aren't personal
This poem originally appeared in Canadian Literature #150 (Autumn 2015), Urquhart and Munro. (pg. 43)


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Special Offers
SPG Members: Enjoy free standard internet access when you book through Starwood websites, mobile websites and mobile apps. Book with us online. Every time.
Park For Free
Avoid the hassle of airport parking. Enjoy rates from $179 per night and up to 10 days of complimentary parking when you start and end your trip with us.
Introducing SPG Pro® Double Double
Earn double Starpoints® and double eligible nights toward elite status on all your eligible meetings and events.
Stay for more.
Register to earn Starpoints® on eligible stays of two nights. Stay three or more consecutive nights and earn double Starpoints plus 500 more.
General Information
- Portland Airport Parking Package
- Complimentary High Speed Internet Access in guest rooms and public spaces
- Indoor Heated Pool
- Pet Friendly Hotel near PDX
- Complimentary 24-Hour Fitness Facility
- In Room Dining available 5:30am - 12:00am midnight
The Sheraton Portland Airport Hotel
offers a welcome unlike any other. With the comfort of the Sheraton Sweet Sleeper™ Bed and the convenience of being located on airport grounds with 24-hour complimentary shuttle service to Portland International Airport, Sheraton Portland Airport Hotel is the ideal destination for both business and leisure travelers.
Portland Airport Hotel Features
Portland Airport Local Attractions
After hours of travel, enjoy an array of comfortable amenities in all 212 guest rooms at this Portland airport hotel. Dine at Columbia Grill & Bar or via In Room Dining, experience the resort-style indoor heated pool with Jacuzzi and steam room, a 24-hour fitness facility, or host a meeting or wedding reception in one of 17 meeting and event rooms (boasting over 22,500 square feet of event space).
Conveniently located near the MAX Light Rail, downtown Portland, Oregon and the Vancouver, Washington business district, the Sheraton Portland Airport Hotel looks forward to welcoming you to the neighborhood. Enjoy being close to all the best things to do in Portland, including the Pearl District, Portland Art Museum and Pioneer Courthouse Square. Discover more Things To Do in Portland.


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Leaving a job, and the alleged security of it, can be pretty scary. After all you've got a place to go every day, a pay check comes periodically and some sort of social interaction. But, mostly there is no upside to it. You can never leverage your position like an owner can - so it's you, your salary and your thwarted desire.
Making the jump away from a job requires many skills. But, they all pale next to having a viable service or product to offer, something that fills a need, plugs a hole or solves a problem.
Two questions:
1. Have you been considering making a change?
2. Do you have a product or service to offer the marketplace; something that could be developed and the passion to drive the transition? (You don't have to disclose it here. Wouldn't want you to give away any trade secrets. Just talk around it.)
---Inspiring Transitions
© 2013 StartupNation Media Group , INC
All Rights Reserved.
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David Beckham has added more ink to his already insanely tattooed body -- and this one's for his little girl!
David, who already has sons Cruz, Romeo and Brooklyn's names on his body, showed off his new "Harper" tatt at a Galaxy game this weekend in Carson, California.
The name is above another tattoo he got in honor of his three boys, showing Jesus on the cross being tended to by three cherubs.
There's no denying David is a proud papa to his newborn daughter, his first girl with wife Victoria Beckham. The couple also shared a new photo of their little girl on David's Facebook yesterday:
So cute!
Check out the gallery above to see more of David's tattoos.
© 2015 EHM Productions, Inc. All rights reserved. Reproduction in whole or in part without permission is prohibited.
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Regional Hearing Clerk
Kathy Robinson is the Regional Hearing Clerk in Region 7 and may be reached at (913) 551-7567 or by email at email@example.com. The Regional Hearing Clerk receives filings for proceedings under the Consolidated Rules of Practice Governing the Administrative Assessment of Civil Penalties and the Revocation/Termination or Suspension of Permits, 40 Code of Federal Regulations (CFR) Part 22.
There is a self-service filing collection box/kiosk located in the lobby area of the Region 7 Office, 11201 Renner Blvd., Lenexa, KS 66219, for documents that are hand-delivered for personal service filing with the Regional Hearing Clerk. The collection box is only for filings with the Regional Hearing Clerk.
- Time stamp the original and one copy of each document and place in collection box.
- Time stamp a copy of each document for your records.
- Hours for personal service filing of documents are Monday-Friday, 8 a.m. to 4 p.m.
(Any documents filed after 4 p.m. will be deemed filed on the following business day.)
Documents filed in any proceeding are open for public inspection and copying during filing hours, subject to provisions of law restricting public disclosure of confidential information. The person seeking copies will be responsible for reproduction costs incurred. Documents will be made available to the public upon request through the Regional Hearing Clerk.


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This web-based, interactive learning product allows teachers to collaborate with students across laptops, desktops, tablets, and other devices. Teachers can personalize online lessons and perform real-time assessment through polls.
Castle Learning Online, a supplement to classroom instruction, offers review assignments, practice sessions, and benchmark testing. It saves teachers time with automatic grading, assignment management, and instant progress reports. Core content areas for grades 3 through 12 are aligned to state standards.
This online tool gives administrators templates to create and manage school events, like meetings and fundraisers. EventIQ can send out invitations in various ways, such as via email, and also manage RSVPs and payments. Users can create an interactive floor map to plan seating and equipment setup in any event location.
This service provides online check payment and credit card processing for food and after-school activities in public schools. With customizable reporting, CHECKredi can be used to consolidate and reconcile returned checks. It also provides other payment solutions through ACH (automated clearinghouse) processing and online credit card payments and approvals.
With Hapara's Teacher Dashboard, educators can get a snapshot view of each student's work in Google Docs, Sites, Blogger, and Picasa. Teachers can get a closer look at the work in a folder that is created for each student. Hapara allows students to drop their homework right in their own folders.
The Clever software allows districts to sync a variety of student information platforms to more easily manage student login information. Some of the platforms Clever has partnered with include myOn Reader, MyBigCampus, and DreamBox Learning.
Made for K8 students, this literacy platform includes a library of eBooks and quizzes. Designed to improve performance in all subjects, Big Universe also includes a platform on which students can publish online books. For teachers, it offers lesson plans, learning management tools, and data reporting functions.
This LMS combines an easy-to-use collaborative interface with application integration. Schoology lets students, teachers, and parents work together on online courses, schedules, and secure email. Administrators can add third party content and apps, and also control the grading scale.
Gaggle is a school email system is designed to improve how students communicate with teachers. It includes tools like shared calendars, assignment drop boxes, discussion boards, blogs, online document editing, safe SMS texting, and filtered YouTube access. Gaggle.net also offers virus-free, online file storage that is accessible from home and school.
This website contains video tutorials on flipped classroom models, college readiness programs, the Common Core State Standards, and other education-related topics. Students, faculty, and other school staff also can learn software and business skills.
Privacy Policy | Copyright © 2015
Professional Media Group. All Rights Reserved.
35 Nutmeg Drive, Suite 205
Trumbull, CT, 06611


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- Northern New York Newspapers
- Watertown
- Ogdensburg
- Massena-Potsdam
- Lowville
- Carthage
- Malone
- NNY Business
- NNY Living
- NNY Ads
The Police Blotter
Wednesday, April 25, 2012
0048 Traffic stop on Maple Street. Verbal warning issued.
0235 Dispatched Potsdam Rescue to a call.
0348 Dispatched Potsdam Rescue to a call.
0837 Village police received information about possible drug deals taking place in the village.
0947 A Norwood male was taken into custody at his residence on an arrest warrant for second-degree burglary and was arraigned in village court. The defendant was released to the supervision of the probation department.
1140 A bench warrant, issued by the Potsdam Village Court, was received for Steven Stacy for failure to appear.
1207 A tour of the police station was arranged for a local Girl Scout troop.
1404 Village police responded to a property damage accident in the parking lot at the Canton-Potsdam Hospital.
1531 Village police responded to the village court after receiving a call from the village offices downstairs indicating that Susan Koulman was upstairs harassing the court clerk.
1554 Village police assisted an individual at the police station with the completion of an equipment violation correction form for a Vehicle & Traffic violation he received in Philadelphia, N.Y.
1909 Village police responded to a property damage accident on the Clarkson University campus.
2011 Property damage accident on Maple Street.
2051 Potsdam Rescue dispatched to a call in West Potsdam.
2250 Patrol assisted a motorist with their disabled vehicle.
Thousands of readers like you have made Northern New York Newspapers the number one ranked website* for local news and sports coverage in the north country.
You can continue on to this article in a few seconds, or you can visit one of our websites:


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By Kassy Cho
Originally published in The Daily Bruin
Hiking into the Rancho Sierra Vista in the Santa Monica Mountains, Dennis Mabasa encountered a rattlesnake, ready to bite, two feet away.
Mabasa, a fourth-year environmental science student, said his experience with the snake was only one of the many challenges he encountered working on his senior capstone project this past year.
Mabasa and his group were among 76 students who presented findings from their year-long analysis on topics such as bacteria and green hotel practices in front of peers and faculty at the UCLA Institute of the Environment and Sustainability Wednesday night.
Mabasa's group, for example, presented its analysis on how vegetation in the area has changed over the last six decades.
Over the course of the year, the team of five students worked with the National Park Service to determine where the agency should plant specific types of trees based on the physical terrain.
The project is part of Environment 180: Practicum in Environmental Science, a mandatory year-long course for all environmental science students.
During the practicum, small groups of students work on real-world environmental problems with clients off campus, said Cully Nordby, academic director of the Institute of the Environment and Sustainability.
In the fall, students take a lecture lab course about geographic information systems, techniques that analyze and present geographical data. Then, the students individually write a literature review of an assigned environmental topic, said Travis Longcore, a professor in the institute.
For the next two quarters, students work with their groups and a faculty adviser to meet with a client and figure out the problem they need to address, Longcore said.
The practicum focuses on ongoing environmental issues that a growing urban population has to wrestle with, Nordby said.
Businesses, state agencies and non-profit groups propose topics to a committee, which evaluates them based on feasibility and the availability of advisers in related fields.
The capstone project was established six years ago as a way to help students prepare for work in the sustainability field when they finish college, Longcore said.
Advisers act as coaches for students but students are largely left on their own for the project, Longcore said.
"We've been able to get our hands dirty, meet real people in the world of sustainability, and I feel like we've been able to make some sort of a difference," Mabasa said.
Anuraag Jhawar, a fourth-year environmental science student with a concentration in environmental engineering, said the practicum is one of the biggest things he has worked on at UCLA.
Besides many long hours in Powell Library and countless hangouts, the main challenge his group faced while working on the survey was with semantics, Jhawar said.
Jhawar's group worked on a survey about consumer preferences for green hotels for the Walt Disney Company.
The group had to make sure their client, adviser and group members were all happy with the wording of the questions, he said.
"Students can say they have had project management experience and have grappled with an almost paralyzing number of choices they have to make," Longcore said.
Now that the project is over and the groups have presented, the research will be posted online at the Institute of the Environment and Sustainability's website. It may also appear in print if approved by the client.
"(The project is) not something that just gets a grade and gets thrown out," Mabasa said. "(The results are) going to stay around for a while and help people."


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Specifically designed to meet the needs of digital photographers, the Digital ColorChecker® SG target includes the highest quality color reference standards available. Each of the 140 patches was chosen for its location in color space to expand the color gamut, so you can create profiles that capture the full capabilities of your digital camera and scanner.
The ColorChecker Digital SG target includes the colors from the standard ColorChecker target, many of which represent natural objects, such as human skin tone, foliage and blue sky. Additional skin-tone reference colors deliver greater accuracy and consistency over a wide variety of skin tones, and gray scale steps provide accurate control of camera balance to maintain a neutral aspect, regardless of light source. Digital ColorChecker SG can also be used to create a white balance with your digital camera to guarantee precise, uniform, neutral white under any lighting condition.
ColorChecker Digital SG provides the same great value as the ColorChecker Classic to compare digital reproductions to real life scenes or test targets. The ColorChecker Digital SG takes a step beyond the traditional ColorChecker by representing a larger gamut and providing greater refinement of individual colors.
Simply include ColorChecker Digital SG in your first photo if you're shooting JPEG or traditional, or any photo in the series if you're shooting RAW. Later, in the studio, use it to compare, measure and analyze differences in color reproduction in any color rendition system. This objective standard will help you avoid costly mistakes and trial-and-error color correction after the fact.
The ColorChecker Digital SG can be used for a variety of applications, including:
Number of Colors: 140
Description of Colors: Includes 24 patches from original ColorChecker, 17 step gray scale and 14 unique skin tone colors
Size: 8.25 x 11 in. (21.59 x 27.94 cm)
Shipping Weight: 2 lbs
Reduce your image processing time and improve quality control in your Raw workflow by combining the powerful color capabilities of the ColorChecker Passport and Adobe® Imaging solutions. The ColorChecker Passport allows you to quickly and easily capture accurate color, instantly enhance portraits and landscapes, and maintain color control and consistency from capture to edit.
The simple way to color calibrate your camera, display, projector and printer with a broad range of options and control to ensure the color you see is exactly the color you will get.
ColorChecker Comparison Brochure
ColorChecker Brochure


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All About Computing
Here at PC World we have an extensive range of laptops , netbooks, iPads and other internet tablets like the Motorola Xoom and the Samsung Galaxy Tab on offer to ensure you find the perfect mobile computing device for your needs.
Filter by a host of criteria to find the laptop that suits your needs and budget. Amongst our range you will find laptops designed for home computing, highly portable laptops, Apple laptops and laptops that offer excellent power and performance.
If you want computing on the go, check out our range of netbooks from all the top brands including Sony, Toshiba, Advent, Acer, HP, Packard Bell and Samsung. Netbooks are perfect for lightweight mobility and fast performance but you may need the aid of an external hard drive for large storage.
Internet tablets and eReaders offer the latest in convenient mobile computing, with touchscreen technology that allows a range of activities on a computer the size of an average A4 pad. The most popular of these is the ground-breaking Apple iPad - a revolutionary computing innovation from Apple that has transformed classrooms, meeting rooms and trading posts all over the world. However, the new Samsung Galaxy Tab is fast catching up and it is easy to see why - check out the new Samsung tablet !
We also have a superb selection of laptop bags and netbook cases to protect and transport your laptop.


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You've never seen Nicki like this….
The obnoxiousness of One Direction's "Little Things" is tempered by Bruno Mars' "Just the Way You Are" in this remix.
Mother Monster's romantic power ballad won in a landslide over Tegan and Sara's more recent gem.
Inanimate object makes the best Valentine. It can't reject you!
"Yeah I know that this is pretty awkward for me / But I just act like you are talking to me."
One half of the twin duo behind one of 2013′s most lushly romantic albums talks about her love-song writing tendencies.
Has Pitbull learned everything he knows about sex from soft-core porn, southern rap and Maxim magazine?
Surprisingly SFW!
See the darkness that lies beneath the candy-coated surface of these purported love songs.
Let this be your playlist, lest you end up the next Manti Te'o.
Check out playlists of the 32 nominees for our Greatest Love Song Since You Were Born honors.
From Taylor Swift to Other People (to Taylor Swift again).
After five rounds, you guys have finally chosen the best love song of YOUR generation.


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Science Friday® is produced by the Science Friday Initiative, a 501(c)(3) nonprofit organization.
Science Friday® and SciFri® are registered service marks of Science Friday, Inc. Site design by Pentagram; engineering by Mediapolis.
Before you lather up the sunscreen this summer, do you know how SPFs and UVs work? Skincare scientist James SaNogueira breaks down sunscreen science, from how creams and sprays block out harmful radiation, to deciphering SPFs.


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Protecting credit unions and the consumers who own them through effective regulation
The mission of the NCUA is to provide, through regulation and supervision, a safe and sound credit union system, which promotes confidence in the national system of cooperative credit.
In this section, you can find credit unions and research general and financial information. Other statistics, data, and reports include the archived Quarterly Call Reports, Financial Performance Reports, and Share Insurance Queries.
Find and research specific credit unions; locate educational resources on financial literacy, privacy, and identity protection; and read about the regulations that govern credit unions and corporate credit unions.
This section details the laws and regulations that govern NCUA-insured credit unions. Here you can access current and proposed regulations, regulatory alerts and policy statements, as well as guides, manuals and forms.
View the latest news, media and events at NCUA, including newsletters, speeches, and press releases.
Home > Credit Union Resources and Information > Home Equity Lines of Credit Nearing Their End-of-Draw Period
Interagency Guidance on Home Equity Lines of Credit Nearing Their End-of-Draw Period
Dear Board of Directors and Chief Executive Officer:
As home equity lines of credit (HELOCs) approach their end-of-draw period, some borrowers may have difficulty meeting higher payments that result from principal amortization, or in renewing the existing loan. Changes in financial circumstances and declines in property value may limit options for your members.
The attached interagency guidance encourages credit unions to work with borrowers where possible, consider sound risk management principles, and minimize risk while meeting the needs of your members.
The risk management principles and approach described in the enclosed guidance can help you identify potential exposures, and guide consistent, effective responses to HELOC borrowers who may be unable to meet their contractual obligations. The guidance also addresses appropriate accounting and reporting for HELOCs, as well as appropriate practices for identifying and managing associated risks.
I encourage you to review this guidance to ensure your practices align with NCUA's risk management expectations.
Please contact your regional office or state supervisory authority with any questions on this issue.
/s/Debbie MatzChairman
National Credit Union Administration, 1775 Duke Street, Alexandria, VA 22314-3428
If you have questions about NCUA: Go to our Contact Us page
or call 703-518-6300


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Roast Pork Loin
- 3 large garlic cloves, minced
- 2 teaspoons salt
- 1 bay leaf, crumbled
- 1 teaspoon rubbed sage
- 1 teaspoon dried thyme, crumbled
- 1/2 teaspoon pepper
- 1 3-pound pork loin roast, rolled, tied
Combine first 6 ingredients in small bowl. Rub mixture evenly over roast. Cover and refrigerate overnight, turning pork occasionally.
Preheat oven to 350�F. Place rack in roasting pan. Place pork atop rack and roast in oven until thermometer inserted in center of pork registers 160�F., about 1 hour 25 minutes.
Epicurious.com © Condé Nast Digital, Inc. All rights reserved.


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Making of the Modern World: The Goldsmiths-Kress library of Economic Literature (Artemis Interface)
- Description: The Artemis interface enables cross-searching between the following Gale primary source collections: Eighteenth Century Collections Online, Making of Modern Law, Making of the Modern World, and Sabin Americana. It also includes textual analysis tools such as term clusters and term frequency.
- Host URL: http://gdc.galegroup.com/gdc/xsearch?u=umd_um


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The CIA World Fact Book includes a ranking of countries by income distribution inequality -- using the GINI index (the lower the number, the smaller the gap between rich and poor). Sadly, the US ranks #39 in top inequality -- out of 136 countries!Yes, we would expect countries like Finland and Germany to have a narrower "wealth gap" than us, but look at these countries that also have narrower wealth gaps than the US:IranCambodiaNigeriaNicaraguaRussiaChinaIndiaWe ought to be concerned! I suppose we can do one of two things:1. Tax the rich to correct this gap but risk eroding the incentives to really work smart and get ahead... or2. Leave the incentives but overhaul our education system so all can start from the same starting line.I much prefer #2 -- with one caveat: we should increase our estate tax. I have no problems with a 'lifetime inequality' -- you made it, then you enjoy it. But a bulk of your accumulation should be plowed back to society when you expire. Why?1. We don't want an entrenched class of rich dynasties.2. We want to give each generation some incentive to "sink or swim".Maybe we as a nation can channel our "anger" into something productive. Your thoughts?Source: CIA
Edited by ben2world on 10/14/2011 11:44:26 MDT.
Edited by jshann on 10/14/2011 16:51:45 MDT.
"Wide gaps are created by overdone welfare programs that give the lazy no incentive to be productive."That explains it? Then how do you account for the much narrower gaps found in Scandinavian countries, or Canada, etc. that seem to have much more comprehensive and generous social programs? You think there might be more than one factor at play here?Thinking more about the gap... I think my sentiment is that a wide gap per se is not automatically "bad" -- within reason -- so long as each of us gets a truly fair shot at 'making it'.
Edited by ben2world on 10/14/2011 12:09:31 MDT.
John, you should take a look at all the government has done for you in your life before you make those kind of statements.
Edited by justaddfuel on 10/14/2011 15:56:43 MDT.
As much as I hate welfare and social programs, they are not the single root cause of the problem. Many Americans feel there will be a job for them, they do not need to enhance their skills and knowledge; and that somehow their retirement financial needs will be met by SSN and Medicare programs. There are amany poorer people who are moral, ethical, and extremely hard workers. Unfortunately many have a false sense of security and have not worked smart enough to build surplus wealth for that "rainy day." Add their use of easy credit and too much debt, the gap widens. All the money that poorer people spend of debt interest could have been used to invest in savings or other vehicles. To me it is a problem of education and too much trust in the government.
I'm with you Ben. I can see no justification for rolling back the estate tax. If there is ever anyone who it doesn't hurt to tax, its the dead guy who no longer needs the money. Its also hard to feel too bad for the trustafarian who might get a little smaller trust fund. Of course all of us want no taxes, but we have to tax somebody. I'm with you on education too, but I don't think we can afford to do it unless we take taxes on the rich back to where they were pre-Bush. Right now, I pay a much higher tax rate than Warren Buffet. That still chaps me.
"I can see no justification for rolling back the estate tax. If there is ever anyone who it doesn't hurt to tax, its the dead guy who no longer needs the money."If someone works hard to save their money with the intent to give it away, what moral justification is there to steal it?Why do we have to tax anyone? Just charge each person for what they get from government.
If we work under the assumption that we don't have to tax anyone, then I would agree we need no estate tax. That's just a bizarre assumption for a starting point.And I would love to see a system where people paid for what they got out of the government. By its nature, its impossible to value. And its not consistent with the role of government in a civilized society.
Nick:Not saying there is only one right view, but my own bias:I view "ownership" more in the light of custodianship. So long as individuals bind themselves together to enjoy the benefits of group living, there will have to be some balancing between individual rights versus the good of all. For me, I like giving a person the right to enjoy the fruits of his or her labor/wits -- for life -- to spend, invest, give away as he / she sees fit.But it is also a reality that essentially no individual creates or succeeds entirely on his or her own. Surely the Rockefellers, Fords, Edisons and Steve Jobs of the world would concede as much? Why, even the most individualistic of efforts -- such as the authorship of great literary works -- are only granted a copyright of 70 years -- or one lifetime!A compromise of sometimes competing principles aside, it is quite apparent that humans being humans, the passing down of family wealth can have a corrosive effect on the work ethics of the succeeding generations -- to their detriment as well as the detriment of the common good.Finally, re. a wholesale change from general taxation to pure user-based fees -- that will work for projects with close "cost benefit" relationship -- like trail parking; but will not work for others such as defense or national transportation -- where benefit of the whole may far exceed the sum of individual benefits.
As soon as we get rid of this liberal regime in 2012, we will be on the right track.
Nick, you and I are an odd dichotomy. :)There are things we agree upon, and things we don't. The odd part is that the things we agree or disagree on are usually things that people are usually VERY divided about: i.e., politics, finances, morality.>If someone works hard to save their money with the intent to give it away, what moral justification is there to steal it?I agree! Just because I die, the government gets a huge portion? WHY? Its a tax on dying. They tax everything now.
The only thing that taxing the rich or increasing the death tax will do is cause your rich dynasties to go somewhere else.This will narrow the wealth gap because there will be more poor people and less rich people. America is not a socialist country. We have our problems it's true but higher taxes on the "rich" (200k a year in obama's definition) is not the answer. I think that we should stop spending so much on BS,
Hi Ben,My bias :)Henry Ford is a great example. He did not invent the automobile. But he came up with a method to manufacture them inexpensively. Over several decades he created jobs for millions of people (are you listening Congress?). His vision shortened work days and raised the standard of living. He paid assembly line workers more money than his competitors, more money than union scale, provided his employees with a higher standard of living, provided his employees the means to purchase goods that were not available to them in the past; such as those made by Westinghouse, his good friend Thomas Edison, and many others. Ford also provided the mechanism for many other businesses to be created such as Ford suppliers, thousands of Ford Dealers, service stations, independent garages, after sales part makers and parts stores, insurance companies, etc., etc. Ford did this. Without Ford a lot of people would not have the opportunity to live a better life. And because it happened in America, he was able to pass his wealth and the company to generations of Fords. He also trained all his employees. Even today, Ford Motor Company spends millions and millions of dollars each year training and educating Ford employees. They provide tuition reimbursement to Ford employees who wish to continue their education, in addition to many other benefits. Henry Ford did this. Without him, millions would have been worse off. And he did it for only one reason... to make money.Copyrights are man-made. They are immoral. They take property away from those who created them. The author should be able to do whatever they want with their property. It is theirs. Actually they can pass the rights on to others. The only time a copyrighted material should go into the public domain is if the owner dies intestate.National defense should be paid equally by each American citizen. Each citizen gets the same benefit, assuming we do not use our military for something besides protecting our borders from foreign invaders. National transportation should be private, or if run by the government be funded only by those who use it.;)
"As soon as we get rid of this liberal regime in 2012, we will be on the right track."I don't think so. We need an educated populace that can think for themselves. We also need a philosophy that is aligned to the principles set forth in the Declaration of Independence. There is no political party that has the philosophy or principles.
"Copyrights are man-made. They are immoral."Unfortunately, that's a distinctly minority view... But don't automatically take that as a slight. I too hold dear to some views that are distinctly in the minority. We can't all have our ways. :)
Edited by ben2world on 10/14/2011 19:56:59 MDT.
I really should not enter this conversation...But,I chose to study hard in school and get good grades.I chose to work to put myself through college.I chose to take out 160K of medical school debt(and have paid it off).I chose to work 120 hours per week for 4 years for residency training making <$35K/yr.I chose to work in a specialty where the government mandates that I see anyone who walks in the door regardless of of the complaint even though the sign above the door says "Emergency".I chose my work setting knowing that fully 25% of patients in my community choose not pay anything for the service I provide and another 25% allow me and every other tax payer in the state to cover their costs.I choose to pay all of my bills, plan for the future, set aside for life's adversity, and make a good home for my children. I choose to pay my taxes and have no issue with the idea of taxes as a way of paying for the expense of the services that the government supplies.I live fairly modestly and do not believe I use more of these "government services" than the average person. Yet I get to pay more for those services??? I'm certainly not an economist, but the idea of a flat income tax(%) would seem more fair.I agree with Ben that college or some other form of post high-school training should be accessible to any/all that choose to go.I disagree that those who chose to become productive should have to provide for those able bodies that choose not to be. Those individuals that are truly disabled, I have no problems with. (But let's define disabled a bit better than we do now.)And as far as the estate tax, why should my concern for my children and plans to provide for them be taken away when I die?
Edited by BER on 10/14/2011 20:38:18 MDT.
We can't all have our ways. :)No, but at least many of us live in countries where we can challenge and debate ideas. That is a good thing.
Brian: You just might like Herman Cain and his 9--9-9 Plan!
Ben,Truthfully this is the first I have heard of the man.While those numbers sound good to me, I'm not sure if they are realistic, or fair. Again, not an economist. But it seems like that 9% sales tax would be pretty heavy on some if it included essentials like food and clothing.
Edited by BER on 10/14/2011 20:19:04 MDT.
Brian,I can certainly relate to most of your post. As someone from a proud but poorish family, I was able to work my way into a very stable lifestly w/ only a few years of very hard work (nothing epic though). I truly don't feel like luck got me to where I am or that I am unique in my skill set. Its very hard to generalize this gap to a single problem or two but many of those I see/know that would populate the low side of this wealth gap seem to be there (IMHO) b/c of:1) They feel like they are owed something for being in a tough place (ie the govt should take care of me)2) Poor career planning (ie job x pays $y w/out factoring supply vs demand of said job, or the grand "well I have to do something I love").I honestly could care less about some wealth gap metric -- show me one normalized for continuous effort and I may begin to feel a little worse for being on the posive side of this gap. Better yet show me a chart that %chance of being wealthy of divided by effort and we'd have something to talk about.From my point of view, this is a country in which it is very hard not to survive in -- can we say that about most of the counrties "above" the USA?
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Thakoon Addition reinterprets ladylike tweed with a cool twist to create this chic knitted skirt. A paperbag waist and mini length make this style a downtown girl's shortcut to uptown polish.
Black and white knitted tweedStriped pattern, black tie belt at paperbag waist, box pleats, side slit pockets Concealed hook and zip fastening at side62% polyester, 19% viscose, 13% cotton, 6% elastaneDry clean
Product code: 310307 - Need help? Contact us


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One of my nails broke today so I decided to cut them all down a bit to even it out. I also filed them into a rounder shape but I definitely prefer them square.
Konad Plate: M64
Base Colour: BYS - Metallic Fuchsia
Konad Colour: Collection 2000 - Moonlight Shine
Gems from eBay (Seller)
Top Coat of NYC


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New York Knicks v Brooklyn Nets
Bryan Bautista, an usher at the arena, sings the national anthem... News PhotoBarclays Center - Brooklyn,Basketball - Sport,Borough - District Type,Brooklyn - New York,Brooklyn Nets - Basketball Team,Full Length,Match - Sport,NBA,NBA Pro Basketball,National Anthem,New York City,New York Knicks,Singing,Sport,Stadium,USA,Usher - Singer,VerticalPhotographer Bruce BennettCollection: Getty Images Sport 2014 Getty ImagesNEW YORK, NY - APRIL 15: Bryan Bautista, an usher at the arena, sings the national anthem prior to the game between the Brooklyn Nets and the New York Knicks at the Barclays Center on April 15, 2014 in the Brooklyn borough of New York City. 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. (Photo by Bruce Bennett/Getty Images)


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East Allegheny teachers maintain strike plans
East Allegheny teachers do not plan to return to their classrooms as scheduled on Tuesday, according to their union president.
A nearly three-hour negotiating session on Wednesday kept East Allegheny Education Association and the district at a contractual stalemate, which they've experienced since June 2012.
The bargaining team for the teachers offered an amended contract package to district negotiators two weeks ago, and that proposal was declined on Wednesday in a final meeting aimed at resolving their two-year contract dispute before the scheduled start of the 2014-15 school year. The 133-member association previously agreed to strike if no agreement could be reached.
"There is no agreement, so as of right now, we will not be starting school on Tuesday," education association president Cheryl Ihnat said. "We are open to coming back to the table, but I'm not sure that's going to happen."
In attempts to receive district confirmation of the potential strike, school directors deferred all comments regarding contract negotiations to attorney Michael Palombo, who could not be reached for comment at presstime. The district operates a primary, middle and high school — serving approximately 1,700 students — according to state Department of Education data from 2013.
Ihnat said the district offered a counterproposal that does not meet the staff's needs. Its proposal remained virtually unchanged in the union's eyes.
"Unfortunately, the board presented us again with a proposal that was very unreasonable and unrealistic," she said. "They changed two items that made no difference."
Both sides have issued public statements regarding the impasse.
They have gone online to make their case to residents of the district, which encompasses East McKeesport, North Versailles Township, Wall and Wilmerding. The union's position is at sites.google.com/site/eaea4students/home, while the district posts its negotiation updates on a page of the www.eawildcats.net website.
Throughout negotiations, the district has said it is seeking a contract that would keep any real estate tax increase to a minimum, saying on Monday that its proposal would mean an increase from the current rate of 27.54 mills to 28.28 mills.
It said the proposal by teachers would raise taxes by at least 4 mills.
Jennifer R. Vertullo is a staff writer for Trib Total Media. She can be reached at 412-664-9161, ext. 1956, or email@example.com.
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EPA Response to Petition by Growers for Endangered Species Act TransparencyFor Release: June 2, 2014
EPA is responding to a petition submitted by Growers for Endangered Species Act Transparency. The petition, received in 2010, requested that EPA take action to establish clear and equitable procedures for notice and comment on EPA's pesticide effects determinations for endangered species and other related actions.
Transparency and stakeholder involvement are a vital part of EPA's mission to protect human health and the environment. EPA has taken steps to address the concerns raised in the petition through a number of projects.
- Working with our federal partners, the Department of Agriculture, and the National Marine Fisheries and Fish and Wildlife Services (known collectively as the Services) the EPA committed, in 2012, to enhancing the stakeholder input (PDF) during the process of registration review.
- In 2013, we received the NAS report, Assessing Risks to Endangered and Threatened Species from Pesticides, which had been commissioned by those same 4 agencies in an effort to resolve some of our scientific challenges.
- Since then, EPA, the Services and USDA have held two public workshops (in November 2013 and April 2014) to inform stakeholders about our progress implementing recommendations from the report and we plan to continue soliciting comments from stakeholders. The purpose of those two meetings was to provide scientific and technical feedback on the joint interim approaches for ESA consultations
To read EPA's response to the petition, go to docket EPA-HQ-OPP-2010-0854 at www.regulations.gov.


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The festive season is upon us and we've found an ideal treat for the whole family at half the usual price. For £13.50, book a ticket to see the live stage adaptation of Raymond Briggs's classic Christmas tale The Snowman, featuring Howard Blake's famous orchestrations including "Walking in the Air".
Birmingham Repertory Theatre combines dance and wordless storytelling on stage at Sadler's Wells's Peacock Theatre, London, every evening until 21 December, and then on 1-2 January. Second-price tickets in the Stalls or Dress Circle for evening performances are usually £27. The only extra to pay is a per-transaction fee of £1.75 for online bookings and £2.50 for phone bookings.
Alternatively, save 50% and get a top-price ticket, usually priced £32. "The Snowman" is now in its 15th year on stage and tells the story of a boy whose lovable, orange-nosed creation comes to life and whisks him off to see Father Christmas, meeting reindeer, dancing penguins and more on the way.
"It doesn't come much better at Christmas" -- The Guardian
"Sheer theatrical magic" -- The Times
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I hope you don't mind, but I think this is going to become a regular series. I'm horrible when it comes to keeping up with blogs. My poor google reader is chocked full with delicious sounding recipes and yet, I barely find time to write my own. There are so many talented people out there, taking the time to create and share their food, that I feel like sometimes they deserve another "look at this!" moment.
This week, after effort on getting the spring section done, I've been scouring the web for lovely spring recipes and this is what I came up with!
- This Farro with grilled endives from Laura over at The First Mess. (Seriously, go over to her blog and say hi. I love how real she is and one of my goals is to meet her in real life some day.)
- Spring Carrot salad with harissa, herbs, and feta from Adrienne of Adrienne Eats (I love harissa)
- Spring Rolls with Carrot Ginger Miso Sauce from Kelsey of Happyolks (Also another seriously: I've never met Kelsey but she may be one of the most down to earth, nicest people ever. She's on my "bucket list of bloggers to meet.")
- Spinach Pesto Quinoa from Jacqui of Good Things Grow (Ps- check out Jacqui and her husband's screen printing shop on etsy. Absolutely adorable!)
- Springtime Stir-Fried Millet from Kathryne of Cookie and Kate (She's up for best cooking blog on Saveur-go vote!)
- Spiced Whole Grain Chocolate Cake With Salted Chocolate Frosting from Kasey of Turntable Kitchen (Another plug- I subscribe to their pairing box and it's so fun getting music/food ideas in the mail once a month!)
- Boozy Pie bites from Russell of Chasing Delicious(Boozy and pie= ahh-mazing.)
- I've also been craving a few things I've made in the past bit of time. My Maple Oat Granola lasted less then a week in my house (and I'm dying to make Jeanine's version (from Love and Lemons.) She created such adorable mini parfaits- yum!) Also I ate this carrot ginger rice AND this Rhubarb noodle bowl for breakfast, lunch, and dinner- sometimes with a fried egg on top. So good and easy!) Finally, this pumpkin oat bread has been back on my to-make list for a mid-day snack.
- Also, my chipotle sweet potato and guac tacos I seem to always crave? My dear friend Melissa from the Fauxmartha makes them on the regular and she even blogged about them on her new contributing column on Mint called "Pinned it/Made it." I'm super excited for her column because I'm totally guilty of pinning on not making!


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The Internet-based whistleblower website WikiLeaks appears to have won some battles to recover its financial infrastructure in the past few weeks, winning the first stage of a legal battle in Iceland with Visa Corporation and gaining a French source for accepting donations in the Fund for Defense of Net Neutrality (FDN2). But a WikiLeaks satire of former New York Times executive editor Bill Keller — admitted as a phony by WikiLeaks July 29 on its Twitter feed — threatens to undo much of the organization's credibility. FDN2claims that banks and credit card companies are legally bound to honor the French-based "Carte Bleue" transfer system.
Most U.S.-based financial service providers, such as Visa, MasterCard, PayPal, Western Union, and Bank of America, have banned use of their networks to transfer funds to WikiLeaks, likely because of U.S. government pressure. The French free speech organization FDN2 allows donors a gateway to give to the funds-starved whistleblower organization, which has claimed that 95 percent of its operating income was wiped out by the financial boycott.
In a splash-screen on the WikiLeaks website, Australian-born founder Julian Assange continues to make a financial appeal in a video message, claiming: "During this time, we have withstood attacks from military and intelligence organizations, lawsuits, imprisonment, cyber-warfare, and high-level calls for our assassination. But now we face our greatest challenge: A politically motivated banking blockade led by Visa, Mastercard, Paypal, Western Union and the Bank of America. This blockade has left us with just five percent of our financial lifeline. It has wiped out, successfully, 95 percent of your support."
The forgery or satire of the New York Times — it's unclear which was the intent in WikiLeaks' stormy relationship with the establishment newspaper — had Keller issuing a plea for tolerance of the whistleblower organization (a phony based upon a real New York Times column by Keller). The WikiLeaks phony claimed:
Click here to read the entire article.
Photo of WikiLeaks founder Julian Assange


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Home Foreclosures Taking Nearly Two Years In Illinois
October 11, 2012 10:54 AM
CHICAGO (CBS) — It's taking longer than ever for Chicago area lenders to work through the state's backlog of home foreclosures.
Even though the local housing market may be showing some signs of recovery, lenders are not jumping for joy just yet.
Realty Trac says that last quarter, it took lenders an average 673 days, almost two years, to repossess a foreclosed home in Illinois.
It's the fourth slowest process in the country.
The reason: Lenders here must jump through more legal hoops to foreclose.
It means that a homeowner getting a default notice today would not lose their home until August 2014.
LISTEN: WBBM Newsradio's Pat Cassidy Reports


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Faculty of Health Sciences enrolment
Enrolment specific information
Information on this page is specific to the Faculty of Health Sciences. Please ensure you read this page and the university's Enrolment site before you commence enrolment.
New commencing students
Congratulations on receiving an offer to study at the Faculty of Health Sciences.
If you are a Faculty of Health Sciences Undergraduate, Postgraduate or Higher Degree Research student, you should read the information in this section to ensure you are prepared for your online enrolment. You are advised to read all information in this section before you enrol online
- Enter your name correctly
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Enter your name correctly: Ensure you enter your full name while providing personal details in your online enrolment process. FHS students undergo a criminal records check before they can commence clinical placements. It is important that the name on your University student card matches exactly the name given on your other photo ID (e.g. driver's license), including any middle name(s). Students with a name mismatch will not be able to collect their student cards (name corrections will then need to be made via the Sydney Student portal, see: "My Details > Personal Details"). For more information about Criminal Records Check.
Academic advice: The Faculty is holding an academic advice session for the following two courses;
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Academic Advice session: To be advised for 2016
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Student enrolling into the two courses above are welcome to attend if they require guidance in selecting electives or wish to discuss options for their second major.
Academic Advice for all other courses: will be provided via email request. Please email your student ID, course and query to:
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Credit: All individual units of study completed 5 years prior to application will not be granted credit. Complete your enrolment as promptly as possible and enrol in the units for which you seek credit. Your enrolment will be adjusted by the Faculty if credit is granted. Find out more about credit
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This Secretive Island Has Fake City For Navy SEALs To Train On
Navy SEALs are known for their incredible abilities to sneak into well guarded places undetected and taking down enemy threats with incredible violence of action. One of the places they practice such capabilities is in a custom built city located on a secretive wind-swept island off the California coast. »


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O-M-GEEE! Pam Oliver Takes Football to the Face (Video)
by Sunni August 19, 2013 9:10 AM
Sunni Read More
Fox Sports' Pam Oliver has been a sideline reporter during NFL games for many years — but she made her own headlines Sunday night when she got hit in the face with a football!
As she was preparing for an interview before the Colts-Giants game, Colts' backup QB Chandler Harnish was throwing the ball in that same area.
And well, take a look for yourself.
Hit 'play' above.


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Daily Archives: April 9, 2009
1959: Winners Drink Milk
No, the title is not sarcasm. Milk is good for you and you should drink some. Heck, I should.
Tagged 1959, advertising, milk Leave a comment
1934: Bandits Steal Liquor
The crooks disarmed the night officer, tied him up and looted the store of selected liquor. One wonders if they took what would sell best or just took what they liked to drink. Next post at noon.
Tagged 1934, crime, news Leave a comment
1959: Stylish Bridal Gown
Another five digit phone number, and another lovely wedding dress from 1959. This style seemed to be in again a couple years ago, which was good. It suited women much better than those horrible long, narrow ones that emphasized all … Continue reading
Tagged 1959, advertising, style Leave a comment


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You are probably wondering what the heck is Super Mario War? To clear things up I must inform you that Super Mario War is a homebrew Mario multiplayer game. Some might call it a rip-off, others might call it a tribute to Nintendo.
The main goal of the game is to stomp as many other Marios as possible to win the game. The creator of this Mario game is Samuele Poletto, who has used artwork and sounds from Nintendo games. I hope that Poletto won't get in trouble with Nintendo for his work.
Apparently, up to four players can face each other in a Mario deathmatch and what is interesting about Super Mario War is that it comes with a level editor. The game is described by smw as "more fun than poking a monkey with a stick". Can something be more fun than that? Like...NO!
Super Mario War features a whole bunch of game models, such as GetTheChicken, CTF or Dominator, and - by the looks of it - the game uses SDL and can be played on Windows, Linux and Macs. The overall conclusion in the game's description is that Super Mario War will make you happy and give you a fuzzy feeling.
So hurry and grab the game before Nintendo finds out and starts throwing lawsuits left and right. If you are a Mario freak or you are simply curious, click HERE and download it. This is the 1.7 version of the game, but only for PCs. For Linux and Mac versions check the respective sections of Softpedia; they will be up soon.


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Bill Maher Video Proves Many Americans Clueless About Obamacare[VIDEO]
First it was Jimmy Kimmel, now it's Bill Maher's turn.
Friday night on HBO's "Real Time with Bill Maher" a man on the street interview segment, asked average Americans to express their thoughts on the Affordable Care Act.
The results are quite surprising.


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Loraine G. (Hicks) Porter, 51, of Silver Lake died Thursday, April 7, 2011 at her home.
Loraine was born June 30, 1959 in Tulare, Calif. to Lawrence W. and Janice (Fountain) Hicks.
She attended Paisley High School and later earned her high school diploma at Blue Mountain Community College in Oregon.
She married Gene Porter on Dec. 28, 1976, living in Pendleton, Silver Lake, Hamburg, Pa., then moving back to Silver Lake.
Loraine enjoyed reading, poetry, cross-stitch, embroidery, horses and spoiling her grandchildren.
She was preceded in death by her brother "Jimmy" of Christmas Valley.
She is survived by her husband Gene of Silver Lake; parents Lawrence "Bill" and Janice of Christmas Valley; sons, Lucas of Klamath Falls and Steven of Healdsburg, Calif.; daughter, Lori Brusse of Bend; brothers "Billy" of Christmas Valley and Dan of Portland; sister, Darlene Putnam of Klamath Falls; grandsons Ivan of Klamath Falls and Seth of Healdsburg; granddaughter Audrey of Klamath Falls; numerous cousins, nieces and nephews.
A funeral service was held Friday, April 15, 2011 at the Christmas Valley Seventh-day Adventist Church with interment in the Silver Lake Cemetery.
Desert Rose Funeral Chapel was in charge of the arrangements.
Loraine G. (Hicks) Porter
Loraine G. (Hicks) Porter, 51, of Silver Lake died Thursday, April 7, 2011 at her home.


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osDate, still one of the noobs to the open source scene, is a dating / matchmaking application developed and distributed by Darren Gates of Tufat.com. I happened upon it about 3-4 years ago while looking for a dating script for a client. Although it was still in its infancy it did have appeal, and at the time I thought it had potential.
The main programmer, Vijaynair, made his start in MySQL and apparently never had any formal training in PHP. IMHO, it shows as many parts of osDate have always lacked any real forethought. This may not completely contribute to Vijay's naïveté, but most likely is the shortcomings of its creator, Darren Gates. I always likened some features as being "doors to nowhere" simply because many features did not seem to work in the way you thought they should.
When osDate v2 was released, a plug-in system was added so those new features created by Tufat or osDate community members could be easily plugged into an installation of osDate. Evidently the plug-in system hit a brick wall. I say this because v2 was about 30MB unpacked and has since swelled to 80MB! More than twice the size of an initial v2 installation, and from what I can tell, there is not much more to the application to substantiate the girth.
There might be a few things I have not noticed, but despite of what is in it, I thought the intention of the plug-in system was for plugging in new features. Look as if osDate could go on a diet and the extra fat could be sucked out and discharged into the plug-in system. I would think that the end user should be able to download and install just the plug-ins they want. This could significantly trim down the size of the application by 20-30MB.
osDate is starting to look like a overfed Microsoft application. Perhaps it is time that someone come up with a diet pill for overweight open source applications [or bloat-ware as I like to call it]… osDate could surely use one… its too fat.


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Every day, millions of people suffer from the direct and indirect consequences of the irresponsible arms trade: thousands are killed, others are injured, many are raped, and/or forced to flee from their homes, while many others have to live under constant threat of weapons. The poorly regulated global trade in conventional arms and ammunition fuels conflict, poverty and human rights abuses. The problems are compounded by the increasing globalization of the arms trade – components being sourced from across the world, and production and assembly in different countries, sometimes with lenient controls. Domestic regulation of the arms trade has failed to adapt to these changes. While existing national and regional controls are important, these are not enough to stop irresponsible transfers of arms and ammunition between countries.
This is why the Control Arms campaign is calling on the member states of the United Nations to deliver a strong and effective Arms Trade Treaty (ATT) to help save lives, prevent human rights abuses, and protect the livelihoods of people around the world. The Treaty must be an international, legally binding instrument based on States' existing obligations under international law. It must be properly implemented to reduce the human cost associated with the uncontrolled trade in conventional weapons and ammunition. It must establish binding criteria for analyzing international arms transfers on a case-by-case basis, and clearly determine when an arms transfer is prohibited.
The deadline is 2012. It is crucial that the ATT is agreed to in the shortest time frame possible. The United Nation's final negotiating conference for the Arms Trade Treaty is scheduled for 2012 – that deadline must be kept! An Arms Trade Treaty is needed now to stop irresponsible arms transfers from fueling poverty, conflict, and human rights abuses. It must be strong. It must be stringent.
It must be based on States' existing legal obligations to international humanitarianlaw and UN Charters.
Armed violence impinges on citizens' basic human rights to security, food, education, and medical care, among others. An Arms Trade Treaty must ensure no transfer is permitted when there is substantial risk the arms will be used to commit serious violations of international human rights law and international humanitarian law.
Illegal arms transfers violate UN charter obligations to maintain and strengthen international peace and security, and to achieve international cooperation in problem-solving. An Arms Trade Treaty must ensure no transfer is permitted when there is a clear risk the arms will be used to violate the UN Charter.
It must include all weapons, all transfers, and all transactions.
Armed violence is not caused by weapons in hands of unlawful groups. An Arms Trade Treaty must include all military, security, and police arms, related equipment and ammunition, and training.
Arms do not only enter borders via direct sales. An Arms Trade Treaty must control the import, export, and re-export of weapons, in addition to temporary transfer and transshipments, loans, gifts, and aid. It must also control those who provide training, transport, storage, and finance.
It must provide guidelines for full, clear implementation.
Arms regulations can't be made or implemented behind closed doors. An Arms Trade Treaty must be transparent and must include a comprehensive plan for international cooperation and reporting.
Arms agreements must be enforceable. An Arms Trade Treaty must have a mechanism for monitoring compliance, and must include provisions for dispute settlement and sanctions.


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Daemen College : About Daemen : 404 Error
Did you try searching? Enter a keyword(s) in the search field above. Or, try one of the links below.
Natural Sciences Professor Brenda Young will be attending the Fulbright Academy of Science and Technology in Panama and presenting a paper on our sustainability efforts.
"I think one of the most crucial aspects of the Daemen curriculum is the required internship. I was an accounting intern for both a private health care company and a certified public accounting firm. I was able to apply lessons learned in the classroom to real business situations. When my internships were over, each company offered me a full-time position."
ScholarshipYour investment in Daemen College helps to ensure that future generations of Daemen students will be guaranteed a quality, values-based education.
©2014 Daemen College : 4380 Main Street, Amherst, NY 14226 : 800.462.7652


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Gallery: 11 Utah sports figures who died in 2013
Click on the respective links for more about each person.
Aaron Alford • An assistant coach with the University of Utah football program from 2007-2010, Alford died Aug. 12 of an apparent heart attack in Park City. Alford was 39.
Zelmo Beaty • A dominating center who lead the Utah Stars to the American Basketball Association championship in 1971, Beaty died Sept. 7 of complications from cancer. Beaty was 73.
Jim Boatwright • The former Utah State University basketball player and assistant coach died Feb. 11 in Hailey, Idaho, of liver cancer. Boatwright was 61.
Todd Christensen • The ex-BYU star, NFL All-Pro and broadcaster died Nov. 13 at Intermountain Medical Center of complications from liver transplant surgery. Christensen was 57.
Gary Hill • The Gunnison Valley High School and BYU player who was the most-prolific scorer in the history of Utah high school basketball died March 9. Hill was 67.
Bronzell Miller • The former University of Utah defensive end turned pro football player and actor died Dec. 21 from multiple myeloma. Miller was 42.
Pat Miller • The ski coach whose University of Utah teams won eight NCAA championships died from heart problems June 22 in Casper, Wyo. Miller was 64.
Ricardo Portillo • The soccer referee died May 4 after a week in a coma. He suffered his injuries when a 17-year-old boy punched Portillo during a soccer match in Taylorsville. Portillo was 46.
Edo Rottini • Rottini began the Taylorsville baseball program and coached Little League and Babe Ruth programs for 54 years. Rottini died Aug. 22 at age 81.
Bill Sharman • He was better known as a title-winning player for the Boston Celtics and coach of the Los Angeles Lakers, but in 1971 Sharman coached the Utah Stars to victory in the ABA finals. Sharman died Oct. 25 at age 87.
Gaius Vaenuku • The incoming University of Utah freshman defensive lineman was among three killed July 29 in a car crash in New Mexico. Vaenuku was 18.
Follow all our year in review articles on Twitter: #sltrib2013
Honorable mention: Jerry Buss
The Los Angeles Lakers owner was born in Salt Lake City but spent his formative years in Wyoming before hitting it big in California. With the Lakers, he had a small role in keeping the Jazz in Utah. Buss died Feb. 18 at age 80.
See more about comments here.


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EDMONTON, Alberta, February 23, 2012 (LifeSiteNews.com) – Under Alberta's new Education Act, homeschoolers and faith-based schools will not be permitted to teach that homosexual acts are sinful as part of their academic program, says the spokesperson for Education Minister Thomas Lukaszuk. "Whatever the nature of schooling – homeschool, private school, Catholic school – we do not tolerate disrespect for differences," Donna McColl, Lukaszuk's assistant director of communications, told LifeSiteNews on Wednesday evening. "You can affirm the family's ideology in your family life, you just can't do it as part of your educational study and instruction," she added.
Reacting to the remarks, Paul Faris of the Home School Legal Defence Association said the Ministry of Education is "clearly signaling that they are in fact planning to violate the private conversations families have in their own homes." "A government that seeks that sort of control over our personal lives should be feared and opposed," he added.
Section 16 of the new legislation restates the current School Act's requirement that schools "reflect the diverse nature" of Alberta in their curriculum, but it adds that they must also "honour and respect" the controversial Alberta Human Rights Act that has been used to target Christians with traditional beliefs on homosexuality. 'School' is defined to include homeschoolers and private schools in addition to publicly funded school boards.
"You can affirm the family's ideology in your family life
I have to agree with you on this, parents shouldn't be teaching their kids hateful nonsense... but having said that, it's not up to the Government to dictate what they can and cannot teach their children. Even though I don't think they should be doing it, that doesn't mean I can force my will upon them, but that is exactly what the Government is trying to do in so many areas of our life. Whether their intent is evil or not makes not the slightest of difference, it isn't their place to dictate such things upon us.
I was not homeschooled, but I agree that in the mainstream schools should't be teaching prejudice to any group, whether race or homosexuals.
I would imagine the reason why these people are homeschooling their kids in the first place is because they don't want them indoctrinated to begin with.
They'll have cameras in your house to monitor the teaching.
Originally posted by MrFGB
reply to post by el1jah
if they don't say it's a sin to take in the pooper and they say it makes them smell like poop, is that ok? What are they supposed to say? This is crazy! Can you say that it is not considered normal by the majority of citizens?
Originally posted by Astyanax
Well, let's hope that home-schooling is abolished before it becomes necessary to do that. There really is no excuse for it unless the child is handicapped or there are no schools within easy reach of its home. Certainly, home-schooling children for political or religious reasons is quite unacceptable.


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Hi there!
I have a Solaris 10 server running some Web systems with php5. The guy that installed the php (long time ago) have customized all the installation, so the config files are under another dirs than default, and he disabled a lot of features, including CLI.
The problem is, I need to do some CLI scripts now, so I have to reinstall or recompile PHP, but I'm not used to do that (I'm a developer, not a system admin), and I'm afraid to have problems in my already-running systems, especially because the current instalation are so customized that I think I won't be able to troubleshoot if I have any problem in the proccess.
So, how can I install PHP to use the CLI features without affecting the current one?
Thanks in advance!


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Enjoy Garda Hotel
- Free WiFi in lobby and free parking
Main amenities
- 45 guestrooms
- Restaurant and bar/lounge
- Seasonal outdoor pool
- Fitness center
- Airport shuttle
- 24-hour front desk
- Coffee/tea in the lobby
- Air conditioning
- Daily housekeeping
- Garden
- Car rentals on site
- Lobby fireplace
What's around
- Heart of Peschiera del Garda
- Gardaland (1.3 mi / 2.1 km)
- Clinica Pederzoli (0.4 mi / 0.7 km)
- Sea Life Aquarium (1.6 mi / 2.5 km)
- Zenato Winery (1.8 mi / 2.9 km)
- Sanctuary of Madonna del Frassino (1.9 mi / 3.1 km)
This beautiful hotel is wonderful and the perfect way to enjoy Peschiera and Lake Garda.…
This is a very nice, clean hotel, but doesn't seem worth the price ($400/night for 4…
Enter dates to check prices
Hotel Info: 866-539-8117from $121
- Suite, Terrace, Lake View
- Economy Double or Twin Room (Breakfast excluded)
- Economy Quadruple Room (Breakfast excluded)
- Comfort Double Room, City View
- Comfort Double Room Single Use, City View
- Suite, Terrace, Lake View (Jacuzzi)
- Classic Double Room
- Superior Quadruple Room, Garden View
- Comfort Quadruple Room, City View
- Comfort Triple Room, City View
- Superior Triple Room, Garden View
- Superior Double Room, Garden View
- Comfort Double or Twin Room (E-Bike Holiday Package)
- Economy Single Room (Breakfast excluded)
- Economy Triple Room (Breakfast excluded)
Also popular with travelers from the USA
At a glance
Key facts
Hotel size
- This hotel has 45 rooms
- This hotel is arranged over 4 floors
- 24-hour check-in
- Check-out time is 11 AM
Required at check in
- Credit card deposit required
- Government-issued photo ID required
Travelling with others
- No pets or service animals allowed
- Free WiFi and wired Internet access in public areas
- Free extended parking
- Accessible parking
In the hotel
- Restaurant
- Bar/lounge
- Snack bar/deli
- Coffee/tea in the lobby
- Outdoor seasonal pool
- Pool sun loungers
- Fitness facilities
- Bicycle rentals on site
- Golf lessons available nearby
- Golfing nearby
- Hiking/biking trails nearby
- Sailing nearby
- Scooter/moped rentals nearby
- Pool umbrellas
- Conference space size (feet) - 753
- Conference space size (meters) - 70
- One meeting room
- 24-hour front desk
- Tours/ticket assistance
- Free newspapers in lobby
- Luggage storage
- Number of buildings/towers - 1
- Year Built 1990
- Elevator/lift
- Garden
- Fireplace in lobby
- Television in lobby
- Disabled parking
- Accessible path of travel
- Roll-in shower
In the room
- Air conditioning
- Minibar
- Iron/ironing board (on request)
- Down comforter
- Blackout drapes/curtains
- Soundproofed rooms
- Premium bedding
- Balcony
- Private bathroom
- Rainfall showerhead
- Shower only
- Bidet
- Free toiletries
- Hair dryer
- 32-inch LCD TV
- Digital TV channels
- Desk
- Daily housekeeping
- In-room safe (laptop compatible)
- Connecting/adjoining rooms available
Enjoy Garda Hotel's small print
Also known as
- Enjoy Garda
- Enjoy Garda Hotel
- Enjoy Hotel
- Enjoy Hotel Garda
- Hotel Enjoy
- Hotel Enjoy Garda
- Enjoy Garda Hotel Lake Garda/Peschiera Del Garda, Italy
Cash transactions at this property cannot exceed EUR 999.99, due to national regulations. For further details, please contact the property using information in the booking confirmation.
The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.
The name on the credit card used at check-in to pay for incidentals must be the primary name on the guestroom reservation.
Mandatory fees
You'll be asked to pay the following charges at check in or check out:
- A tax is imposed by the city: EUR 1.50 per person, per night
Breakage deposit: EUR 300,00 per stay (for stays between 1 January - 31 December)
Optional extras
Self parking costs EUR 10 per day
Cribs/Infant beds are available for EUR 9 per day
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.


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Book your room at La Quinta Inn & Suites Clifton/Rutherford
Get an overview of this hotelClose to Clifton Commons Mall, in New Jersey
Sports complex
This northern New Jersey hotel is 4 miles from the Meadowlands Sports Complex, and 11 miles from Manhattan.
Breakfast included
The La Quinta Inn & Suites Clifton offers complimentary wireless Internet access and daily Continental breakfast.
Cable TV, with Showtime
Guestrooms at this La Quinta Inn include complimentary New York Times newspapers and cable TV.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
La Quinta Inn & Suites Clifton features a restaurant, serving breakfast, lunch, and dinner. Recreational amenities at La Quinta Inn & Suites Clifton include an indoor pool and a fitness facility. Meeting facilities include conference rooms, exhibit space, and banquet facilities. La Quinta Inn & Suites Clifton also offers a bar/lounge, a business center, and wireless Internet access. The property has a 24-hour front desk. Onsite parking is complimentary.
- 24-hour front desk
- Arcade/game room
- Bar/lounge
- Business center
- Conference space
- Dry cleaning/laundry service
- Express check-out
- Fitness facilities
- Free breakfast
- Free self parking
- Free WiFi
- Free wired high-speed Internet
- Indoor pool
- Laundry facilities
- Multilingual staff
- Number of floors - 4
- Restaurant
- Safe-deposit box at front desk
- Total number of rooms - 240
Family Friendly Amenities
- Arcade/game room
- Free Wi-Fi
- Indoor pool
- Laundry facilities
- Rollaway/extra beds available
Available in all rooms: Free WiFi , Free wired high-speed Internet
Available in some public areas: Free WiFi , Free wired high-speed Internet
Free self parking
Room Amenities
- Air conditioning
- Cable TV service
- Climate control
- Coffee/tea maker
- Free newspaper
- Free toiletries
- Cribs/infant beds available
- Daily housekeeping
- Desk
- Free WiFi
- Free wired high-speed Internet
- Hair dryer
- In-room safe
- Iron/ironing board
- Rollaway/extra beds available
- Video-game console
Where to Eat
A complimentary Continental breakfast is provided each morning.
Red Robin - Adjacent to the hotel. Independently owned and operated. Open for lunch and dinner. American favorites. Mixed drinks.
Nearby Things to Do
This hotel features fitness equipment and an indoor swimming pool, with arcade games and a pool table.
The recreational activities listed below are available either on site or near the hotel; fees may apply.
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible bathroom
- Accessible parking
Hotel Policies
Check-in time starts at 3 PM
Check-out time is 11 AM
Payment types
Children and extra beds
- Children are welcome.
- Rollaway/extra beds are available.
- Cribs (infant beds) are available.
Pets allowed
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.


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Been to Gary?
Help other travelers out by rating this destination. Have a question about going to Gary? Ask other travelers in our Travel Q&A.
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Employee: Michael Beliveau
Employer: Top Flite Golf Company
Insurer: A.I.M. Mutual Insurance Company
Board No.: 004688-06
(Judge Fabricant, Costigan and Horan)
The case was heard by Administrative Judge Chivers.
Charles R. Casartello, Jr., Esq., for the employee
Ronald C. Kidd, Esq., for the insurer
FABRICANT, J. The insurer appeals from a decision awarding benefits for a low back injury sustained on January 20, 2006. The insurer's argument that the causative event, lifting a twenty pound plate of golf balls, is not a "personal injury," but "wear and tear" as defined in Zerofski's Case, 385 Mass. 580 (1982), is patently incorrect, and we summarily affirm the decision as to that issue. We also summarily affirm the decision as to the insurer's contention that the judge erroneously failed to assign an earning capacity.
Turning to the insurer's arguments that the judge failed to apply the heightened "a major" causation standard of § 1(7A), and that additional medical evidence was required due to a self-contradictory impartial medical opinion, we find no error and affirm the decision.
The employee has been out of work since his 2006 work injury. The insurer resisted the employee's claim for § 34 total incapacity benefits, and the parties cross-appealed the judge's conference order of § 35 partial incapacity benefits to an evidentiary hearing. (Dec. 2.) The employee underwent an impartial medical examination. The impartial physician opined that the employee's morbid obesity was the single most important factor in his disability, but indicated that his work injury was also a factor. (Dec. 3.) The judge adopted the impartial physician's opinion and awarded the employee the § 34 benefits claimed. (Dec. 4-5.)
The insurer argues that the judge erred by failing to apply § 1(7A)'s "a major" causation analysis to the employee's claim. [1] The insurer's theory is that the employee suffered a "combination" injury, namely, the pre-existing, non-compensable condition resulting from the disease of morbid obesity aggravated by the work injury. We disagree.
Whether a pre-existing condition results from an injury or disease is a medical issue requiring expert opinion evidence. Errichetto v. Southeast Pipeline Contractors, 11 Mass. Workers' Comp. Rep. 88, 93 (1997). Here, the impartial physician was clear in his opinion that the employee's morbid obesity is not a disease. (Dep. 22-24.) [2] Against this uncontroverted evidence, the insurer argues that the reviewing board adopted a definition of disease in Blais v. BJ's Wholesale Club, 17 Mass. Workers' Comp. Rep. 187 (2003), which would include this employee's morbid obesity as a matter of law. The insurer's argument impermissibly expands the scope of the Blais decision. In Blais, the board held that an impartial medical opinion declaring an employee's degenerative disc disease to be as normal as the "graying of the hair," given his age, defeated the first prong of the § 1(7A) inquiry, i.e., the existence of a pre-existing condition resulting from an injury or disease. Id. at 192. Likewise, the impartial medical opinion in this case -- the claimant's morbid obesity is not a disease -- supports the judge's treatment of the employee's claim under simple "as is" causation, not § 1(7A) "a major" causation. [3]
The insurer's argument that the impartial opinion is "inherently contradictory," along the lines of Brooks v. Labor Mgmt. Srvcs., 11 Mass. Workers' Comp. Rep. 575 (1997), is unavailing. [4] We do not consider that the opinion of the impartial physician is self-contradictory. The doctor's testimony establishes the work incident as a cause of the employee's incapacity. (Dep. 28, 30, 39-40.) That opinion is never juxtaposed with an opinion that the work incident did not play any role in the employee's incapacity, the type of opinion that would be necessary to trigger a Brooks-type contradiction. Under the simple causation standard applicable here, the employee sustained his burden of proof.
Accordingly, the decision is affirmed. The insurer must pay the employee's counsel a fee under the provisions of § 13A(6) in the amount of $1,495.34.
So ordered.
Bernard W. Fabricant
Administrative Law Judge
Patricia A. Costigan
Administrative Law Judge
Mark D. Horan
Administrative Law Judge
Filed: April 8, 2009
[1] General Laws c. 152, § 1(7A), provides, in pertinent part:
If a compensable injury or disease combines with a pre-existing condition, which resulted from an injury or disease not compensable under this chapter, to cause of prolong disability or a need for treatment, the resultant condition shall be compensable only to the extent such compensable injury or disease remains a major but not necessarily predominant cause of disability or need for treatment.
[2] We note the insurer's passing reference to the question of whether the impartial orthopedic physician was qualified to render an opinion on obesity. (Ins. br., 9, n.4.) Because the record does not indicate that the insurer placed this issue before the administrative judge, we consider it waived.
[3] While Errichetto, supra, allowed that an administrative judge could find morbid obesity to be a disease, we stated explicitly that such a finding needed to be "based on medical evidence." Id.
[4] The insurer's expression of this argument as self-proving does not help its cause: "The testimony of Dr. Glass need not be recited since it is patently apparent to all." (Ins. br. 12.)