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Mr. Chairman and Members of the Committee, I am pleased to be with you this morning to discuss providing federal loan guarantees to increase access to local television services. The proposed loan guarantee program is designed to encourage investment in systems that deliver local television signals to mostly rural markets that are unlikely to receive those signals through existing direct broadcast satellite (DBS) companies. In my statement today, I will provide an overview of some of the factors that affect the budgetary cost of such loan guarantees. I will also discuss options that might reduce the cost of the proposed program to the federal government.
Federal assistance for this venture would be likely to prove costly. Most of the proposals envision large capital investments. But the market for delivering local television signals would be both subject to competition and relatively small, making it difficult to ensure that large investments could be recovered, especially in the near term. Federal credit programs can shift--but not eliminate--the risk of such projects. The cost to the federal government would depend largely on the size of the program and how much of the risk was borne by the government.
Many options to provide federal loan guarantees for rural television service are under consideration, but the Congressional Budget Office (CBO) has estimated the cost of only one proposal. Last fall, at the request of Congressman Bob Goodlatte, CBO estimated the subsidy cost of the loan guarantee program initially included in title II of the conference report for the Intellectual Property and Communications Omnibus Reform Act of 1999 (H.R. 1554). My testimony this morning is based on our analysis of that program.
H.R. 1554 envisioned a $1.25 billion loan guarantee program. Up to half of that amount could be awarded to a single borrower, with the remainder divided among several smaller borrowers (each receiving no more than $100 million). The loans would be used to finance the infrastructure needed to deliver local television broadcast signals--whether through satellite facilities, cable systems, or other wired or wireless systems. Although the legislation was written to cover a variety of possible technologies, key supporters argued that the program should be used to finance satellite transmission of local television signals.
The budgetary treatment of loan guarantee programs is governed by the Federal Credit Reform Act of 1990 (as amended). That act makes commitments of federal loan guarantees contingent on the appropriation of enough funds to cover the estimated subsidy associated with the guarantees. Under credit reform, the subsidy cost of a loan guarantee is the estimated long-term cost to the government, calculated on a net present-value basis. Budget authority for the subsidy is recorded in the year it is provided; outlays are shown in the year in which the guaranteed loans are disbursed.
The subsidy cost of federally guaranteed loans typically depends on the extent of any defaults and the degree to which those losses are offset by proceeds from liquidating collateral and by income from fees or other charges. (Some loan guarantees also provide an explicit interest rate subsidy, which adds to the cost.) The credit risk of existing loan guarantee programs varies widely. Some programs have average default rates of less than 2 percent; others, between 10 percent and more than 20 percent, net of recoveries. Most existing programs guarantee a high volume of loans each year, effectively pooling the credit risk of many individual borrowers. In addition, fees--especially up-front fees--offset some of the subsidy cost of most loan guarantee programs.
In CBO's view, providing local television service in rural areas is likely to prove financially and technically risky. For such services to be economically viable, millions of households would have to be willing to pay a premium to satellite or other service providers to receive local television stations--even though most households can view those stations at no additional charge through their over-the-air antenna or existing cable subscription. Thus, borrowers of the proposed guaranteed loans might have trouble achieving the necessary level of market penetration for a new television service. In addition, unlike companies that provide rural electrification or telephone services, those borrowers would immediately confront competitors in the marketplace. They would also face numerous technical risks, including the risk that emerging technologies will allow local broadcast signals to be delivered to the home through less costly methods.
To estimate the subsidy cost of the loan guarantee program for rural television service, CBO consulted industry experts and investment analysts and examined the credit ratings of firms in the satellite television industry. That information is useful in estimating subsidy rates because the different credit ratings reflect analysts' expectations of defaults. For example, a 1999 report by Standard & Poor's indicated that the cumulative default rate for investments with a "BBB" rating is less than 8 percent; for those with a single "B" rating, the default rate is 32 percent; and for those with a "CCC" rating, the rate is 45 percent. Based on our review of publicly available information about the ratings of companies in similar industries, we anticipate that the credit rating for rural television projects would be at the riskier end of that range.
We also examined the legislative terms and conditions that might mitigate such risk. For example, the loan guarantee program in H.R. 1554 would give the government a superior lien on the assets of a borrower in the event of default, but it would let the Administration decide how much collateral to require. Likewise, judgments about the reasonableness of borrowers' business plans and about the total amount of the loan guarantees would be made by the Secretary of Agriculture. Finally, H.R. 1554 would authorize the Secretary to levy fees and accept a payment from a nonfederal source to fund all or part of the credit-risk premiums.
CBO estimated that the loan guarantee program authorized by title II of the conference report for H.R. 1554 would have a subsidy rate of about 28 percent of the total amount guaranteed. For a $1.25 billion loan guarantee program, that translates into an estimated subsidy cost of about $350 million (assuming that the optional fees would not be charged or collected). Because H.R. 1554 would make implementation of the program contingent on future appropriation action, those costs would be discretionary. (A copy of our letter to Congressman Goodlatte about H.R. 1554 is attached.)
As I noted earlier, the cost of a loan program is determined largely by the riskiness of the venture and how much of that risk the government will bear. One way to reduce the cost of a loan guarantee program significantly is to reduce its size--either by decreasing the total obligation level or by guaranteeing less than the full value of each loan. Modifying the terms of the loan guarantees can also change the subsidy cost, but for the most part, such technical changes would have a relatively small effect on the cost of the proposed program. Other options to reduce subsidy costs include requiring borrowers to pay fees, protecting the government's security in the event of default, and ensuring effective underwriting criteria.
Reduce the Obligation Level
The simplest way to decrease the size of the program is to reduce the amount of loans that the government is offering to guarantee. H.R. 1554 would authorize guarantees totaling $1.25 billion. Lowering the amount of obligations would cause a proportional reduction in the government's exposure and thus in the subsidy cost.
Guarantee Less Than the Full Value of the Loan
Another way to reduce the potential cost to taxpayers is for the government to guarantee less than 100 percent of the value of each loan. About half of existing federal loan guarantee programs guarantee less than 100 percent of insured loans; some guarantee as little as 50 percent of the value of their loans. Examples at the lower end of the range are the Development Credit Authority program at the Agency for International Development (AID) and the Section 7(a) General Business Guaranty program at the Small Business Administration (SBA).
Guaranteeing less than the full value can reduce the cost to the government in two ways. First, it can lessen the government's direct exposure for each loan by lowering the dollar amount of the guarantee. Although that would reduce the cost of the proposed program, it would run the risk that private lenders might be unwilling to lend enough funds to meet borrowers' needs. Second, it can reduce the default risk by encouraging private lenders to exercise more care in underwriting loans. The profit motive should push lenders to lend only to those borrowers most likely to repay the debt. Private lenders also have more expertise in analyzing business plans, industry trends, and financing options than their federal counterparts. However, having some degree of private financing is not a panacea for eliminating risk--both the AID and SBA programs mentioned above have default rates of about 15 percent.
Require Borrowers to Pay Fees
Most current loan guarantee programs require borrowers to pay either an up-front fee (when the loan is made) or an annual fee (collected as the borrower pays off the loan). Up-front fees are more common and typically range from less than 1 percent to more than 5 percent of the loan amount.
If properly designed, up-front fees can reduce the subsidy cost by a corresponding amount. Two caveats apply, however. First, there is a limit to the amount of fees that borrowers would be willing to pay--and that amount is likely to be far smaller than the subsidy cost of this program. Second, unless borrowers are prohibited from capitalizing the fee either directly (by adding it to the loan amount) or indirectly (by having third parties pay the fee, which would in turn be recovered through higher costs for equipment or services), their debt-service costs, and thus the risk of default, will increase. Capitalizing fees can also result in borrowers' having insufficient collateral to support the loans.
Many federal programs, especially those involving housing and business loans, impose annual fees. The fees typically range from about 0.5 percent to 0.75 percent of the outstanding balance of a loan. Such fees can significantly reduce subsidy costs for programs that are characterized by a low risk of default and long maturities (between 15 years and 30 years). However, annual fees cannot be collected if a loan is in default, so they may not significantly reduce subsidy costs for programs in which the expected default rate is high.
Protect the Government's Security in the Event of Default
H.R. 1554 would make government liens superior to all other liens on the assets of borrowers, up to the unpaid balance of the guaranteed loan. Such priority ensures that the government would maximize the amount it could recover in the event of default.
Some parties have suggested that legislation allow the government's guarantee to be subordinate to private-sector financing. But that would reduce the incentive for the lender to assess the riskiness of the loan and increase the likelihood that if a default occurred, the government's loss would be significant. For example, the SBA guarantees financing to businesses in the Section 504 Certified Development Company and the Section 7(a) General Business Guaranty programs. In the 504 program, the government's guarantee is subordinate to that of the lender; in the 7(a) program, the government's guarantee is equal in priority. Recoveries from defaulted loans have been significantly lower in the 504 program, even though it requires collateral in real estate and equipment and the 7(a) program does not.
Ensure Effective Underwriting Criteria
H.R. 1554 would direct the Secretary of Agriculture to develop underwriting criteria for the guaranteed loans in consultation with the Office of Management and Budget and an independent accounting firm. Although CBO expects the resulting standards to be consistent with current government practice, lawmakers may want to spell out some of the criteria in law. For example, legislation could require that the liquidation value of the collateral be equal to the outstanding principal balance of the loan. Even at that level, however, collateral alone would not eliminate the subsidy cost of a program because of the time and expenses associated with care and preservation, liquidation, and litigation of the collateral.
The criteria for evaluating loans could also be strengthened. H.R. 1554 would allow projections of an applicant's ability to repay a loan to include the value of collateral pledged to protect the government's interest. Collateral provides a basis for recoveries in the event of defaults; it is not a substitute for cash flow. As a result, it is not a useful basis for determining whether an applicant's project is viable.
It is possible to reduce the cost of proposals to guarantee loans for delivering additional television services to rural areas, but it is not possible to eliminate all of the risk or cost of making such guarantees. In theory, the purpose of a federal loan guarantee is to provide credit for activities that the private marketplace considers too risky to pursue on its own. Such support comes at a cost.
The surest way to reduce the cost of proposals like the one included in H.R. 1554 would be to reduce the size of the federal loan guarantee. Other modifications, such as charging fees or improving underwriting criteria, are unlikely to reduce the estimated subsidy appreciably because the activities being financed are fundamentally risky. Options designed to reduce the cost to the government could make the program less attractive to potential borrowers or lenders, which in turn could reduce the demand for the loan guarantees.
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'Jacks Hit the Field for Second Scrimmage
Aug. 20, 2011
NACOGDOCHES, Texas - The Stephen F. Austin Lumberjack football team returns to the field Saturday evening for a 7 p.m. scrimmage. It is the second scheduled scrimmage of fall camp.
The battle for the starting quarterback spot started out as a two-man race and has remained that way through preseason drills. Junior Dalton Williams completed 16-of-22 passes for 159 yards in last weeks scrimmage and also had one interception, while Attaway completed 23-of-34 for 225 yards and a couple of scores. The rest of the SFA quarterbacks were 18-of-29 for 241 yards and a touchdown.
Despite those numbers the offense had trouble scoring points late in the scrimmage. The offense could manage only three field goals and a touchdown, before transitioning into its red zone offense. One player to keep an eye on Saturday will be freshman Garrett Smith who had a strong outing in the first scrimmage and has continued to put up big plays throughout camp. Smith hauled in five passes for 74 yards and score last week.
Junior Ryan Epperson had a strong performance at linebacker in the first scrimmage. A backup to All-American Jabara Williams each of the past two seasons, Epperson was one of the defensive leaders last week recording five tackles and picking off a pass.


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Limoneira Co. donates $10,000 to S.P. High School Athletics Dept.
Santa Paula High School scored when Limoneira Co. donated $10,000 to the school's athletics department at a ceremony on the football field earlier this month. Limoneira Co., city of Santa Paula, high school and local Chamber of Commerce representatives celebrated the donation with a poster-size check and cheering by student-athletes dressed in Cardinal colors, red and white.
"Teamwork is vitally important," key to a well-rounded education and success in life, said Alan Teague of Santa Paula, chairman of Limoneira's board of directors, explaining the company's support for high school athletics. When the former Santa Paula mayor heard a presentation from Athletics Department Director Danny Guzman about all the department's accomplishments, with limited funding from the school district, he didn't hesitate to recommend the donation.
Santa Paula High has 14 teams in nine different sports, which operate on a $60,000 annual budget, only about $8,000 of which is funded by the school district. The rest of the budget is generated through gate proceeds at school sporting events, a $50 athletic fee for student-athletes, donations and fundraisers, Guzman said. Some 450 to 600 students each year participate in Santa Paula High sports, which range from football to swimming.
"We are absolutely delighted to receive this donation, especially in light of the budget challenges," said Christina "Tina" Urias, president of the Santa Paula Union High School District Board of Trustees. The school board publicly thanked Limoneira Co. for the donation at its Sept. 16 meeting.
"Limoneira is always a community leader in support of projects," Connie Tushla of Santa Paula, chairwoman of the Santa Paula Chamber of Commerce Education Committee, said of the 117-year-old agribusiness and real-estate development company, based in Santa Paula. "It is a terrific community player."
"That's huge," Guzman said of Limoneira's $10,000 donation. "Limoneira has always contributed to athletics at the high school. It is a great part of this town. We really appreciate everything they do. We rely on the community 200 percent. We couldn't do it without them."
Guzman, a 1999 Santa Paula Union High School graduate who was on the school's track, football and basketball teams, went on to earn bachelor's and master's degrees. He is an example of the value of the Santa Paula High School sports program. "I think that athletics got me where I am today," the Santa Paula resident said, noting the mental strength and coaches' lessons he will never forget. In addition to serving as the athletics department director, Guzman teaches physical education at the high school.
"Athletics teaches life skills, such as hard work, commitment, dedication and overcoming challenges," Guzman said. "Sports also keep kids active and involved, under the supervision of coaches." Just how active is demonstrated by the student-athletes' schedule that includes working out in the weight room from 2:06 to 3:12 p.m.; tutoring after school, from 3:12 to 4:30 p.m.; and then practicing their sport from 4:30 to 6:30 or 7 p.m., five days a week.
In addition, the athletics department is a "reflection of our community," a matter of pride, Guzman said. "The talent is here, and the talent has always been here," he said.
Teague said he hopes Limoneira Co.'s donation to the high school Athletics Department will encourage others to give. Guzman said sponsors are advertised at sporting events and that they are very much appreciated. To find out more about the SPUHS Athletics Department, contact Guzman at 525-4406, ext. 2702.
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Dade County
Investigator Don Hicks reported early Monday morning that a manhunt for a Dade
County man who had escaped from Hutcheson Medical Center was underway.
Authorities from Dade and Walker counties and Fort Oglethorpe Police Department
were searching for him in the Fort Oglethorpe area.
Joshua Lee
Bradford, 28, was arrested Sunday afternoon after an incident on Sand Mountain.
Bradford was arrested during a traffic stop on Hales Gap Road and charged with
making terroristic threats, criminal trespass, damage to property and
discharging of a firearm.
Bradford was
taken to the Dade County jail and later stated that he had taken a large amount
of hydrocodone and other drugs before he was taken into custody. He was then
transported with a Dade County detention officer by ambulance to Hutcheson
Medical Center.
Upon arriving
at Hutcheson Medical Center Bradford overpowered the detention officer and fled
into the woods at the hospital.
Deputies found
Bradford's jail-issued shoes late Monday morning and were using K-9 units to
help with the search.
At press time
Bradford had not been located.
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Product Features:
Surprisingly compact design for easy travel and more enhanced portability
Oxygen Sensor that ensures accurate O2 delivery and a reduced maintenance schedule
Less than 20 pounds when the battery installed
Battery life up to 5.4 hours on Pulse that quickly recharges in 2 to 4 hours
Can be used with 35 foot cannula in continuous flow and 50 foot cannula on continuous
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Product Weight:
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Three-year Manufacturer's Warranty
Alert / Alarm:
High Flow/Low Flow, No Breathe, Low Oxygen Output, High Temperature, Low Battery, Power Failure, Unit Malfunction
Battery Charging:
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1.6 hours on a setting of 3 and 4 hours on a setting of 1 on continuous
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Keep dry and clean and handle with care.
How to change filter on the Devilbiss iGo?
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text:
Newark Mayor Cory Booker Returns Set Of WWII Dog Tags Lost In France To 90-Year-Old Owner
Newark Mayor Cory Booker speaks at the Newark City Hall on May 8,... News PhotoCity,Cory Booker,Military,New Jersey,Newark - New Jersey,Politics,Talking,USA,VerticalPhotographer John MooreCollection: Getty Images News 2013 Getty ImagesNEWARK, NJ - MAY 08: Newark Mayor Cory Booker speaks at the Newark City Hall on May 8, 2013 in Newark, New Jersey. Booker, who has declared that he will run for New Jersey's open U.S. Senate seat in 2014, was attending a ceremony honoring 90-year-old WWII veteran Willie Wilkins on the 68th anniversary of Victory in Europe Day. (Photo by John Moore/Getty Images)


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2015 – Ran for a collegiate-best 180 yards while averaging 8.6 yards per carry in the season-opening win over Eastern Washington . . . Rushed for a trio of touchdowns against the Eagles, marking the second time he ran for three or more scores in his Oregon tenure . . . Accounted for 105 rushing yards and two of his scores in the first half . . . Added 92 yards and one score on a season-high 24 carries at Michigan State as well as equalled his collegiate best with three receptions (34 yards) against the Spartans . . . Accumulated his eighth career 100-yard effort vs. Georgia State as he ran for 101 yards and one score on 10 carries - all in the first half . . . The Pac-12's third-leading rusher extended his string of games he has accounted for at least one touchdown to three.
2014 – The freshman sensation has already drawn comparisons to some of Oregon's past all-time greats and became the program's first true freshman 1,000-yard rusher in school history - and the top true freshman rusher in conference history . . . The Pac-12 Conference's Freshman Offensive Player of the Year (coaches) and first-team all-league choice (Athlon's, Phil Steele Magazine) led Oregon's rushing attack (91.0 avg.), climbing to fifth in the conference in rushing while averaging 7.6 points and 101.5 all-purpose yards per outing . . . The 2014 Freshman All-American scored 18 touchdowns and tallied 1,523 all-purpose yards . . . Led the Pac-12 in touchdowns scored (tied for 12th nationally in rushing touchdowns). . . Rumbled into the end zone twice to help secure a Rose Bowl victory over Florida State . . . Put together six 100-yard rushing efforts against UCLA (121 yards), Washington (169 yards), California (112), Colorado (105), Oregon State (135), and Arizona (114, Pac-12 Championships), in addition to falling two rushing yards shy of eclipsing the century mark vs. Stanford and one yard short at Utah . . . Hauled in a season-best three receptions for 52 yards to help lead the Ducks to a victory over the Cardinal . . . Ran for 89 yards (6.8 avg.) against Michigan State in addition to catching two passes for 22 yards . . . Accounted for a quartet of scores on the ground vs. the Huskies after running for a pair of TDs vs. the Spartans, South Dakota and UCLA . . . Logged two or more rushing touchdowns in seven outings . . . Leading the Ducks in rushing on 10 of 15 occasions, added 75 yards in his first collegiate start at Washington State before rebounding the following week with 85 yards against Arizona . . . Capped his longest run of the year (38 yards) in the end zone vs. Michigan State and added a 37-yard scoring run against the Huskies . . . Threw his first TD pass as a collegian (26 yards to Marcus Mariota) vs. the visitors from Tucson . . . Was the recipient of the school's Casanova Award following the season as Oregon's top first-year standout.
BEFORE OREGON -- Rated among the top running backs in the country, the U.S. Army All-American is included on the Rivals250 listing as one of the top prospects in the state by 247 Sports . . . Accumulated 2,824 yards and 41 touchdowns rushing his senior year (11.0 avg.) in addition to catching eight passes for 116 yards and two more scores . . . Topped 300 rushing yards on three occasions in 2013, including a season-high 340 yards and five scores vs. Cibola (AZ) one week prior to tallying a season-best 21.6 yards per carry (194 yards) at Yuma (AZ) . . . Ran for five touchdowns in each of four of his first five games his final prep campaign . . . Proved equally adept against some of the nation's best players, scoring three touchdowns in the West Team's 28-6 win in the U.S. Army All-American Bowl in January . . . MaxPrep's California Division II first-team all-state honoree also was crowned the state's medium school's Player of the Year by CalHi Sports . . . Characterized as a powerful runner with great balance, the Imperial Valley League's Offensive Player of the Year also earned San Diego Section Offensive Player-of-the-Year acclaim after completing his high school career with a sectional-record 7,601 yards on the ground . . . Averaged 11.8 yards per carry over the course of his four seasons while tallying 111 rushing TDs . . . Accumulated a single-game school-record 353 rushing yards vs. Parker in addition to six touchdowns (5 rushing) against Central as a junior, finishing the year running for 2,482 yards and 34 touchdowns . . . The Tigers finished the 2013 season with an 11-1 record under head coach Kerry Legara following a loss to St. Augustine in the sectional semifinals.
PERSONAL — Family: One brother. High School: Imperial, 2014. Major: Psychology.
Maxwell Award Watch List (National Player of the Year Award)
Doak Walker Award Watch List (Nation's Top Running Back)
Walter Camp Football Foundation Watch List (National Player of the Year Award)
Pac-12 Freshman Offensive Player of the Year
1st-Team Pac-12 All-Conference (Athlon's, Phil Steele)
2nd-Team Pac-12 All-Conference (Coaches)
Freshman All-America (Athlon's, ESPN.com, FWAA, Scout, 247Sports)
Casanova Award (Team's 1st-Year Player of the Year)


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David John Magana, age 47, of Newcastle, was sentenced Wednesday by United States District Judge John A. Mendez to three years and 11 months in prison and ordered to pay more than $2.9 million in restitution for defrauding Raley's Family of Fine Stores of more than $3 million, according to a statement released by United States Attorney Benjamin B. Wagner.
Magana is the third and last defendant to be sentenced in this case. Two other defendants pleaded guilty and were sentenced on December 3, 2013. Jason Allen Smith, 47, of Foresthill, was sentenced to three years and one month in prison and ordered to pay $1.6 million in restitution. Martin Stewart Cullenward, 60, of Cool, was sentenced to three years and five months in prison and ordered to pay $1.4 million in restitution.
According to court documents, from at least as early as May 14, 2007 until September 28, 2010, Magana conspired with Smith and Cullenward to devise several schemes to defraud Raley's. In one scheme, Magana demanded that a printing company and a paper company pay Cullenward unnecessary commissions in order to keep doing business with Raley's. Given Magana's position as director of Advertising, both companies agreed to pay Cullenward, as long as Raley's reimbursed them. The unnecessary commissions were disguised as additional charges within their regular invoices to Raley's. Magana approved for payment all of the inflated invoices, and Cullenward paid Magana a kickback after he received the "commissions."
Magana and Cullenward sold significant quantities of Raley's paper inventory to third parties at a discounted rate. Much of that paper was stored in a warehouse managed by a logistics company. As Raley's director of Advertising, Magana had access to the paper in the warehouse. Magana, Smith, and Cullenward advertised the discounted paper by word of mouth and through the Internet and kept most of the proceeds. They falsely reported to Raley's that the paper had been used in the normal course of business.
Magana and Smith used a company Smith had created legally, Advantage Paper Inc., to supply paper to Raley's at an inflated price. They met from time to time to determine the ultimate amount Raley's would pay for paper. The proceeds from the inflated paper purchases were deposited into Advantage Paper's bank accounts and later split with Magana. At times, Smith paid Magana a portion of the fraud proceeds in cash. In other instances, he paid for bills on Magana's behalf.
This case was the product of an investigation by the Federal Bureau of Investigation and the Internal Revenue Service Criminal Investigation. Assistant United States Attorney Michael M. Beckwith is prosecuting the case.


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Markets :: Plastics :: Polypropylene
Sibur opens BOPP plant at Tomsk, will sell on Russian and export markets
November 6, 2013 | Natasha Alperowicz
Sibur today inaugurated a new biaxially oriented polypropylene (BOPP) film manufacturing facility at its Biaxplen subsidiary at Tomsk, Russia, the company has announced. The opening ceremony was attended by Sergey Zhvachkin, governor of the Tomsk region; Leonid Mikhelson, chairman of Sibur Holding; Dmitry Konov, CEO of Sibur; and other company managers. The new plant is located within Sibur's Tomskneftekhim complex, which is one of the company's main polypropylene suppliers. The new line has a nameplate capacity of 38,000 m.t./year and required...
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text: 0 Movies Back to article: Nicolas Cage: 'Ghost Rider' star's top 10 insane movie roles 0 Previous Next Bad Lieutenant: Port of Call New Orleans (2009): Nicolas Cage was in perfect sync with eccentric Austrian director Werner Herzog for this wild remake. Sex, drugs, an iguana and break dancing criminals - it really doesn't get much crazier than that. "Shoot him again. His soul is still dancing." Copyright: Rex Features FirstLook/Everett 9 of 10 Previous Next


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Sun Java Studio Enterprise 8.1 Beta Now Available
Today marks a milestone for the Sun Java Studio Enterprise IDE, whose 8.1 Beta release is now available for download. Included in this new release are numerous enhancements in the UML capabilities, along with a new Web reporting system and improved support for reverse-engineering.Based on NetBeans 5.0, Sun Java Studio Enterprise 8.1 is the IDE for Sun Java Enterprise System 5, Sun's latest infrastructure platform for deploying SOA-enabled Web services. NetBeans 5.0 supports CVS, application development on the J2EE 1.4 Platform, and deployment to Sun Java System Application Server Platform Edition 8.2 as well as to the WebLogic 9 and JBoss 4 containers.
Be sure to check out Sun Java Studio Enterprise 8.1 Beta!
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comScore Client Service Analyst Interview Questions
Interview Experience
Interview Experience
Getting an Interview
Getting an Interview
Interview Difficulty
Interviews for Top Jobs at comScore
- Client Service Analyst (19)
- Data Analyst (19)
- Software Engineer (8)
- Statistical Analyst (3)
- Product Manager (2)
- Database Developer (2)
- Survey Research Analyst (2)
- Senior Financial Analyst (2)
- Senior Analyst (2)
- Senior Client Service Analyst (2)
- Client Service Specialist (2)
- Analyst (2)
- Marketing Manager (2)
- Senior Level (1)
- Senior Software Engineer (1)
- Management (1)
- Client Services Analyst (1)
- Operations (1)
- Web Developer (1)
- Senior Client Service Manager (1)
- Senior Director (1)
- Finance (1)
- Sales Director (1)
- Sales Executive (1)
- Senior Data Analyst (1)
- Software Engineering (1)
- Staff (1)
- New Grad Software Engineer (1)
- Devops (1)
- Client Insights Analyst (1)
20 Candidate Interview Reviews Back to all InterviewsSort: Popular Date Difficulty
Client Service Analyst Interview
I applied online. The process took 3 weeks. I interviewed at comScore.
A HR rep reached out with an initial questionnaire. The following week, I had a phone interview with the hiring manager followed by an on-site interview with 4-5 people. I received an offer the following week.
Interview Questions
- Nothing too out of the blue. They ask about what you know about the company, the digital industry, data analysis, etc. Answer Question
Other Interview Reviews for comScore
Client Service Analyst InterviewNo OfferPositive ExperienceAverage Interview
I applied through an employee referral. The process took 3 weeks. I interviewed at comScore (Chicago, IL) in April 2015.
First phone screen, then four in person behavioral interviews. Everyone there was friendly and informative. Know your resume, the industry, how comScore compares to come of their competitors. Overall positive interview experience.
Interview Questions
- What is one trend in the industry in the past year? Answer Question
Helpful (2)
Client Service Analyst InterviewNo Offer
Just went through on campus interview and the whole process was mainly behavioral. Nothing special but the interviewer weighed much on your presentation skills. And it's mainly resume-based since he kept asking about any special experiences I have.
Interview Questions
- Tell me about one presentation you think is remarkable for you. Answer Question
Client Service Analyst InterviewAccepted OfferPositive ExperienceAverage Interview
I applied through college or university. The process took 5 weeks. I interviewed at comScore (Reston, VA) in October 2014.
Very straight forward. On campus first round. In office final round. Final round interview consisted mainly of behavioral interviews with one technical interview. The behavioral interview was very traditional, it was important to explain why you would be a good fit with the company. The technical interview mainly had to do with statistical analysis that would be involved with the job.
Interview Questions
- Why do you want to work at comScore? 1 Answer
Client Service Analyst InterviewNo OfferPositive ExperienceAverage Interview
I applied through college or university. The process took 4+ weeks. I interviewed at comScore (Charlottesville, VA) in March 2014.
Initial communication was great with current analysts and recruiters, were informative of the application process the whole time. Notified promptly about an interview. The interview itself was very casual. Pretty standard behavioral interview. For client service, they asked some hypothetical questions about how you would handle a certain situation if you were an analyst. Also related some of the relevant skills and activities of the position when asking about past experiences, especially internships.
Interview Questions
- What type of data would you use to solve a (given) problem? Answer Question
Helpful (3)
Client Service Analyst InterviewDeclined OfferNegative ExperienceAverage Interview
I applied through college or university. The process took 4 weeks. I interviewed at comScore (Reston, VA).
First round was completely behavioral, really enjoyed the conversation. Invited for final rounds in the Reston office. The experience was painfully awkward and uncomfortable and so I didn't accept the offer.
Interview Questions
- Tell me about a time when you gathered large amounts of data and analyzed it. Answer Question
Client Service Analyst InterviewAccepted OfferAverage Interview
I applied through an employee referral. The process took 3+ weeks. I interviewed at comScore.
Very quick phone interview about my availability and interest in the company. Next interview in person with supervisor and 3 members of the team. They all asked the same normal questions. Last "interview" was a presentation, testing my public speaking confidence.
Interview Questions
- Nothing unexpected. Presentation was easy. 2 Answers
Not able to negotiate.
Client Service Analyst InterviewNo Offer
I applied through college or university. I interviewed at comScore.
University Recruiting--First interview is behavioral, very conversational and easy. Talk about your skills and what you want to do in the future. Talk a lot about the company so do a good amount of research before hand. Got back to us in a week and half with the interview results.
Interview Questions
- Describe a time when you worked in a team and you weren't successful Answer Question
Client Service Analyst InterviewNo OfferPositive ExperienceEasy Interview
I applied through college or university. The process took 2 weeks. I interviewed at comScore in October 2013.
First round was an on-campus interview that lasted 30 minutes. The interviewer asked behavioral questions for the first 10-15 minutes, making small talk for half of it. The next 15 minutes was me asking the interviewer questions. Overall, the interview was easy and the interviewer friendly. The turn around was about a week.
Interview Questions
- What has been your favorite university class? There was not a question more difficult than this. Answer Question
Client Services Analyst InterviewAccepted OfferPositive ExperienceEasy Interview
I applied through a recruiter. The process took 4+ months. I interviewed at comScore.
Initial interview with recruiter was behavioral, very easy. Next interviewed with a hiring manager. I interviewed with several managers until the best fit was found. HR was very very slow... I constantly had to follow up.
Interview Questions
- Easy, just asked me to interpret some graphs. Be ready to ask questions yourself. Answer Question
Is this helpful? The community relies on everyone sharing – Add Anonymous Interview Review


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Rain shortens Central festival, scuttles Native American event
CENTRAL - Rain Saturday forced an early conclusion to the Central Railroad Festival and cancellation of Native American Day at the Oconee Station State Historic Site.
The Central event's organizers had intended to run it from 10 a.m. to 6 p.m. rain or shine. But the weather and dwindling crowds after lunch led several vendors to close up shop early.
The decision was made to shut down the event at
2 p.m. It was just the second time the event has been washed out.
"We had a crowd around 11 a.m., but it was thinning out after lunch," said Ed Welch, one of the event organizers. "The only thing we missed out on was some entertainment on the main stage. We did everything else we set out to do."
Luckily for the train enthusiasts in attendance, it wasn't raining inside the Central Railway Museum. More than 500 festival goers strolled through the museum, which is a block away from Main Street at 108 Werner St., to watch model trains run through meticulously designed scenes.
"We've had a very good crowd," said Jack Green, museum curator. "There have been repeat visitors from last year who noticed the improvements to the layout. There's been lots of interest."
The museum offers recreations of railroad scenes in different Southern settings in 1958, a time at the height of modern passenger and freight rail usage in the United States, before air and interstate travel became prevalent, Green said.
The museum is supported jointly by the Central Railway Model and Historical Association and the city, once famous for being the midway point on the rail lines connecting Charlotte and Atlanta.
"The city stresses its rail heritage, and the museum is very much a part of that," Green said.
The model trains run at the museum on the second Saturday of each month from 9 a.m. to noon. Volunteers are generally present at other times, but may not be running trains. Visit www.crmha.org for more information.
Welch said planning for the 2014 Railroad Festival will begin in earnest later this summer. Visit www.centralrrfestival.org for updates.
Elsewhere, the Cherokee Bear Clan of Walhalla had planned to present Native American Day at the Oconee Station State Historic Site near Tamassee from 10 a.m. to 3 p.m. Saturday. But those plans were called off early Saturday because of the rainy forecast.
It was not known Saturday night if the free event, which was to have included programs about flintmaking and storytelling, has been rescheduled.
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System of Service
"The world of philanthropy, unfortunately, cannot replace all of the funding that you have lost from local, state and federal agencies. It will have to be done with a combination of lean processes reform, innovation, partnerships and collaborations, and trust."
-Tom Matya, Zea Mays Holdings
From his opening address during the kick-off event on February 1, 2011.
The KC Center is pleased to be offering System of Service, an intensive training program geared towards nonprofit agencies. This opportunity will provide key leadership training to help nonprofits in our community reach the next level through value stream mapping and other leadership events. Nonprofit organizations are also welcome to participate in other courses and events offered through Kishwaukee which can be found in the Synergist.
Value Stream Mapping
What is Value Stream Mapping?
Administrative Value Stream Mapping focuses on going "lean" by identifying waste in administrative processes and becoming more efficient. This process was originally designed to increase productivity for manufacturers. In translating manufacturing processes to nonprofit processes several goals have been outlined. In translating manufacturing processes to nonprofit processes several goals were outlined in the initial phase of this project. These goals for five nonprofit agencies include focusing on improving internal efficiency, focusing on external efficiencies between agencies, educating social services leaders in sound business practices, and introducing proven business models that increase efficiencies, effectiveness and elimination of unnecessary duplications through value stream mapping.
A number of agencies have already participated and had great success with the value stream mapping process.
Agencies that have participated:
- Opportunity House
- Family Service Agency
- Youth Service Bureau
- Kishwaukee YMCA
- Children's Learning Center
- Voluntary Action Center
- Safe Passage
- Kishwaukee United Way
- DeKalb County Community Foundation
Ahna from YSB: "VSM assisted staff in building camaraderie and enthusiasm around change by pinpointing specific areas of waste, but not claiming other for the waste. We worked as a collective team to brainstorm and then effectively implement changes that will help in the organization and morale of our agency."
Micki Chulick from 4-C: "The Value Stream Mapping process really helped us to identify the waste in the way we process cases and to combine/eliminate several of the steps taken from the time an application is received until it is fully processed. We anticipate that the changes will reduce our approval/denial time from 5 to 3 days."
Funding Opportunity
The National Bank & Trust Company Endowment Fund
This fund is an agreement between The National Bank & Trust Company of Sycamore and the Kishwaukee College Foundation. The purpose of this endowment fund is to provide not-for-profit, non-governmental, social service agencies the ability to utilize the services of Kishwaukee College's Center for Business Development and Continuing Education at no cost to the agency.
The Center for Business Development & Continuing Education by means of the National Bank & Trust Company of Sycamore Endowment is able to provide both leadership and professional training to out district's Non-Profit Organizations (NPO's). It provides innovative and cutting edge trends and techniques that help NPO's continue to provide the best services our community has to offer.


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Archive for the 'uitableview' tag
UITableView Tutorial
UITableView is one of the most common types of views used in iOS applications. Let's go through a tutorial of the most regularly used features of table views.
There are two main types of UITableView. The first is a "plain" table view, which looks like this:
The second is a "grouped" table view, which looks like this:
Both are commonly seen in iOS apps. Grouped table views are often seen in "settings" sections of apps, or on screens where users are inputting or editing information.
In this post we'll be going through a sample app that uses UITableView. The code is available here.
There are lots of different types of data you might be representing in your table. Maybe it's a list of countries. Or you might be using the table more for navigation, by giving the user a list of screens they can choose to go to.
iOS keeps it pretty open-ended when it comes to how your data is represented. A UITableView is setup to support a list of rows, optionally split into sections with header names. If you don't want to show the rows in sections, you would have one unnamed section.
This can be a bit confusing at first, as you might expect to be able to just give the table view an array of rows, and be done with it. Instead, as is common with iOS development, the delegate design pattern is used.
It may be annoying at first, but it actually provides a lot of flexibility for how you choose to represent your underlying data model. You simply define specific methods to use in order to get table information, and iOS can call them when it needs to know something like the number of rows in a section, or the content of a particular row. We'll get into specifics below.
UITableViewDataSource vs UITableViewDelegate
One thing that makes UITableView unique is that it has two different types of delegates: UITableViewDataSource and UITableViewDelegate. This is fairly unusual in iOS. Usually an object will only have one delegate at most. This can be confusing at first (I know it was for me was I was first learning iOS).
The way to think about these two delegates is that they're split based on functionality: for the most part, UITableViewDataSource relates to the actual data being shown in your table, whereas UITableViewDelegate deals more with the appearance and UI of the table.
To help differentiate them, here are the types of things each delegate looks for:
- Number of sections in the table
- Number of rows in a particular section
- Header and footer titles
- Being told when rows are reordered, inserted and deleted
- The particular cell at a given location in the table
- The height of a row at a given location in the table
- Handling of selection of a row
- Custom header and footer views for sections in the table
- Responding to row editing
There's some overlap between the two. For example, if you allow users to insert a new row, you may want to be notified of that action occurring (through UITableViewDelegate) and also will need to update your underlying data model (through UITableViewData Source).
There are certain delegate methods that are used over and over when working with table views, and over time you'll probably start to forget whether they live in UITableViewDataSource or UITableViewDelegate. When you find yourself needing one of the less common methods, it can be hard to remember which delegate they belong to, so it's a good idea to check the documentation for both if you're not sure.
UIViewController vs UITableViewController
The class that implements the delegate methods is almost always the view controller that owns the table view. What should that class be? Most view controllers are usually subclasses of UIViewController, but iOS also provides a UITableViewController.
UITableViewController only provides a few features on top of UIViewController:
- UITableViewController has a tableView property built-in that points to its table view.
- UITableViewController will automatically make itself the data source and delegate, unless you specifically change it.
- The UITableViewController will reload the table view's data the first time it's loaded. It will also clear any selected rows whenever the table view is displayed.
- After the table view appears, it will flash the table view's scroll indicators. This is a hint to the user that there's more data than they currently see on the screen.
- If there's a navigation bar with an Edit/Done button, the UITableViewController will hook it up to toggle the edit mode of the table view.
Basically, it saves a little bit of time by automatically implementing some common and expected code. If you don't want any of this behavior, you can always do it yourself within a UIViewController. Just remember to manually implement the steps listed above yourself, if you still want them. You might have seen apps where you select a row from a table, go to a new screen, and when you come back the row is still highlighted. This is usually a sign that someone used a UIViewController with their table view and forgot to clear the selection :).
The most common times when I don't use a UITableViewController in my apps is usually when the view controller needs extra functionality beyond just a table view. Perhaps I want the table view nested inside another view, for example. Usually though, you can use a UITableViewController, as we do in the example below.
A helpful hint: if you're creating a new view controller though Xcode (like under File -> New -> New File…), you can select "UIViewController subclass", and then on the next screen, choose "UITableViewController" from the "Subclass of" drop down.
Say we have an app that displays a list of countries in a table view. (A reminder that I've made an example project that does this available here: UITableView-Tutorial).
We have a UITableViewController subclass called CountriesTableViewController. Countries are stored in an NSDictionary called "countries". The keys in the dictionary are the continents in the world, and each value is an NSArray with the countries in that continent.
The first method we'll define is "- numberOfSectionsInTableView:". This is the number of keys in the countries dictionary:
- (NSInteger)numberOfSectionsInTableView:(UITableView *)tableView { return [self.countries count]; }
Now we add a way to get the title of a given section:
- (NSString *)tableView:(UITableView *)tableView titleForHeaderInSection:(NSInteger)section { return [[self.countries allKeys] objectAtIndex:section]; }
Next, we provide a way to return the number of rows for a given section. We can use the method we just defined to get the name of the continent:
- (NSInteger)tableView:(UITableView *)tableView numberOfRowsInSection:(NSInteger)section { NSString *continent = [self tableView:tableView titleForHeaderInSection:section]; return [[self.countries valueForKey:continent] count]; }
The one required method left is to return the cell for a particular row.
cellForRowAtIndexPath and UITableViewCells
The method "- tableView:cellForRowAtIndexPath:" is an important one. We're given an index path. An index path is an object that contains both a section and a row. Given this information we can determine which row we're looking for and configure a UITableViewCell to match it.
The class UITableViewCell represents a single cell (or row) in the table view. If a table has thousands of rows (say, in a list of contacts), then for iOS to have to create a thousand UITableViewCell objects would be a large resource hog. Also, when a user swipes down a table view list, iOS has to setup these rows very quickly, and creating separate UITableViewCell objects as you scroll takes a lot of time.
This is why UITableViewCell uses the idea of a "cell identifier". When you create a UITableViewCell, you can give it a cell identifier string. After that, calling "dequeueReusableCellWithIdentifier" will attempt to return a pre-existing UITableViewCell, saving iOS from having to create a new one. It can cycle through 10 or so table view cells that are visible at any one time.
You usually only need different cell identifiers for each separate cell layout in your table. In many cases, there is only one, if each cell is laid out the same way. That is also the case for our example.
UITableViewCell is a very versatile class. It has a number of styles pre-defined, including a single line of text, a line of text with a subtitle, and image views. You can also setup the accessory view, which is the symbol you sometimes see on the right side of the cell (often as a ">"). If you need to further customize UITableViewCell, you can get access to its contentView, or even subclass UITableViewCell for complete control.
Let's setup a simple cell with the country name on the left, and an accessory indicator on the right:
- (UITableViewCell *)tableView:(UITableView *)tableView cellForRowAtIndexPath:(NSIndexPath *)indexPath { static NSString *CellIdentifier = @"CountryCell"; UITableViewCell *cell = [tableView dequeueReusableCellWithIdentifier:CellIdentifier]; if (cell == nil) { cell = [[[UITableViewCell alloc] initWithStyle:UITableViewCellStyleDefault reuseIdentifier:CellIdentifier] autorelease]; } // Configure the cell... NSString *continent = [self tableView:tableView titleForHeaderInSection:indexPath.section]; NSString *country = [[self.countries valueForKey:continent] objectAtIndex:indexPath.row]; cell.textLabel.text = country; cell.accessoryType = UITableViewCellAccessoryDisclosureIndicator; return cell; }
The code we've written above is actually enough to show the list of countries within sections of continents. However, it doesn't provide a way to respond to any actions, such as the user tapping on a row of the table. That's where UITableViewDelegate comes in.
Let's add in some code that presents the country in a UIAlertView when its tapped. For this we define a method called "– tableView:didDeselectRowAtIndexPath:".
- (void)tableView:(UITableView *)tableView didSelectRowAtIndexPath:(NSIndexPath *)indexPath { NSString *continent = [self tableView:tableView titleForHeaderInSection:indexPath.section]; NSString *country = [[self.countries valueForKey:continent] objectAtIndex:indexPath.row]; UIAlertView *alert = [[UIAlertView alloc] initWithTitle:nil message:[NSString stringWithFormat:@"You selected %@!", country] delegate:nil cancelButtonTitle:@"OK" otherButtonTitles:nil]; [alert show]; [alert release]; [tableView deselectRowAtIndexPath:indexPath animated:YES]; }
We're given an indexPath, which we can use to find the country that was selected. Then we display that in an alert. Lastly, we deselect the row. Without this last part, the row would stay highlighted after being tapped.
I hope you've found this UITableView tutorial helpful. UITableView and its related classes are used in almost every iOS app. There were some more complex things that I didn't talk about here, including inserting, reordering and deleting rows, and coding up custom UITableViewCells. If you'd like to know more about those or any other topics, let me know in the comments! It might be our next tutorial!
Looking to add push notifications to your iOS app? Check out PushLayer, a service from the authors of iOSDevNotes.
Loading remote images into a UITableViewCell
It's very common to load images into a UITableViewCell, for things like user avatars or product thumbnails.
But there are a number of things to watch out for. First, you want to load the image in the background so that the UI doesn't get blocked as each cell loads.
Also, caching images means you don't have to re-download the image every time the cell gets loaded. However this can open up its own set of issues, as caching in memory can cause you run out of memory very quickly, and saving to disk requires attention to make sure you don't use up tons of space needlessly.
Both background downloading and caching can get complicated very quickly, but luckily there's no need to reinvent the wheel. There are a few tools out there to help with this, but the best one I've found is called SDWebImage. Loading an image into a cell is as simple as the following (this sample code comes from its Github page):
#import "UIImageView+WebCache.h" ... - (UITableViewCell *)tableView:(UITableView *)tableView cellForRowAtIndexPath:(NSIndexPath *)indexPath { static NSString *MyIdentifier = @"MyIdentifier"; UITableViewCell *cell = [tableView dequeueReusableCellWithIdentifier:MyIdentifier]; if (cell == nil) { cell = [[[UITableViewCell alloc] initWithStyle:UITableViewCellStyleDefault reuseIdentifier:MyIdentifier] autorelease]; } // Here we use the new provided setImageWithURL: method to load the web image [cell.imageView setImageWithURL:[NSURL URLWithString:@"http://www.domain.com/path/to/image.jpg"] placeholderImage:[UIImage imageNamed:@"placeholder.png"]]; cell.textLabel.text = @"My Text"; return cell; }
What I like about SDWebImage is that it's just about as simple as directly setting a local image.
A number of things are happening under the hood (and can be further customized). The images download asynchronously in the background, and are cached to memory or disk. I've found SDWebImage to be especially fast compared to my previous attempts at loading remote images.
Another nice benefit is that when the image finishes downloading, it appears immediately. You might have noticed many applications (including Facebook) won't display images while you're scrolling. Apparently asynchronous NSURLConnections are tied to the main UI runloop by default (this was news to me).
You don't have to use SDWebImage only with UITableViewCells. Its image downloader and cache are quite robust and can be used independently from the UIImageView code.
Looking to add push notifications to your iOS app? Check out PushLayer, a service from the authors of iOSDevNotes.


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Recently, service design strategies have become a popular tool for improving both the client experience and a company's efficiency in serving clients. Several service models are available to assist designers in achieving their goals, but models are only tools in an overall process. Collaborative cooperation among designers, developers, and stakeholders is necessary to ensure you successfully implement the model's findings.
In this presentation, we provide a case study describing how a collaborative design team used a client service ecosystem diagram to create consistent and cohesive touchpoints across multiple channels. We hope to provide attendees with an understanding of what they may encounter and how to plan for the challenges of achieving business goals while keeping focused on client touchpoints. As we explore how the design team's structure can hinder or foster productive relationships, we argue that clearly articulated, collaborative processes allow designers to facilitate a desirable and delightful user experience.


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HOME NBA Los Angeles Lakers Gear Los Angeles Lakers T-Shirts Los Angeles Lakers T-Shirts Ladies $20 to $40 (83 items) Product ID: 1309061
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Look cute and stay cool in this Antigua® Los Angeles Lakers 2009 Western Conference Champions women's All-Star T-shirt. The color-blocked tee is made of high-quality ribbed cotton, and is raglan cut for a wider range of motion. It's decorated in the team colors and designed with the team logo and 2009 Western Conference Champions graphic embroidered on the chest.
- 1 x 1 Ribbed fabric
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- Decorated in the team colors
- Fitted short-sleeve, color-blocked tee
- Machine wash and dry
- Made in Guatemala
- Officially licensed
- Raglan cut for a wider range of motion
- Team logo and 2009 Western Conference Champions graphic embroidered on the chest
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Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Andrew Karpie's Blog
Part III: The Reality of "Social Recruiting" and How to Approach It
In Part I, we broadly discussed some of the challenges facing many staffing firms in coming to grips with extensive new technology to enable and support so-called "social recruiting" processes and practice. In Part II, we focused on a shift in staffing business thinking, FROM one that "delivers people/workers as products" TO one that "provides... More
Head in the Cloud, Boots on the Ground: An "Onsite Worker" Version of "Online Staffing"
It is often thought that the "online staffing platform model" only applies to "remote/virtual work arrangements" (e.g., I am here in San Francisco, and I hire a Java developer in the Ukraine, who performs all of the work I require remotely). But this is not the case.
Though the model has most often been used to support "remote/virtual work arrangements" (software development,... More


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App Name: Chicks and Turtles
Available on: iOS/Android
Price: iOS → Free (currently), Android → $0.99
Overall Rating: 3 out of 5 stars
Recommendation: This game might appeal to younger children more than serious mobile gamers or even your everyday Angry Birds fanatic.
Chicks and Turtles is a simple frogger-style game in which baby chicks bounce across a sea of deadly waters on the backs of turtles. The object of the game is to rescue as many chicks as possible before time runs out. From time to time power ups will appear over the turtles back enticing the user to anxiously jump onto the turtles to snatch them. But be careful, because the turtles begin diving towards the seafloor signified by an ! over the turtles head. Successful attempts to catch power ups results in a time extension allowing the user to rescue more chicks. For the users who love to share their high scores with others, the game comes packed with OpenFeint and GameCenter support.
The Good:
My favorite part about this game was the simplicity of the objective. Simple games sell. The game is very straightforward with no confusion on the controls. This is a great alternative for smaller children who may not be ready to tackle a game such as Infinity Blade or Feed Me Oil. You can simply open the app, press play, and begin saving the baby chicks from their untimely demise. The graphics offer a cartoonish feel with bright colors that will appeal to younger children while also offering simple controls to allow for ease of use.
The Bad:
The game tends to be repetitive in that there are no additional levels or change in scenery during game play. While the game can be addicting (I myself find that I must save the baby chicks!), it does not offer very much diversity in game play. Also the controls look a bit out of date. The two arrows at the bottom of the screen which the user taps to make the chick move forwards or backwards should probably be removed and just allow touch gestures on the left and right parts of the screen in order to control the chicks. A frustrating element of the game play was the gravity, which seemed to be a bit too strong. The jumping motion of the chicks did not feel natural.
Chick and Turtles is the perfect game for young children who enjoy playing games on iOS/Android devices. It offers simple, easy to learn controls and will keep them entranced in the game for hours. However for anyone over the age of 10 the game will lose interest quickly. The game just simply does not have enough to offer to give that "can't get enough" mentality.


text: Goodyear Ultra Grip Ice WRT 3.7 (20 reviews) Price Range: USD $119.99 to $307.99 Winter See Reviews Show Sizes & Prices Passenger Cars /Winter/High Performance GoodYear´s best winter tire stops shorter on ice and features advanced tread technology for superior traction in freezing rain, snow and slush (based on internal testing). Specialized ice tread compound offers enhanced traction on ice and snow-covered roads from season to seasons. Two-dimensional blades in the center zone offer enhanced stopping and starting power on snow and ice. 3D TredLock® technology blades in the shoulder zone offer enhanced wet and winter traction, locking together for confident grip in turns. Directional tread pattern helps channel water and slush away from the tire for enhanced winter traction and handling. This winter tire is in accordance with the mandated winter driving regulations in Quebec. Share this tire: HAVE A QUESTION? 1-877-877-1010 ASK AN EXPERT! LIVE CHAT FITMENT GUARANTEE All orders are verified for fitment guarantee. Helpful Resources Shipping Information Frequently Asked Questions See Reviews Show Sizes & Prices Sort By: Sort by Dry Wet Snow Handling Comfort Noise Treadwear Overall 3.7 Goodyear Ultra Grip Ice WRT Rate Now Dry (3.6) Wet (3.6) Snow (4.2) Handling (3.1) Comfort (3.7) Noise (2.9) Treadwear (3.5) Overall: 2.5 Dry 2.0 Wet 2.0 Snow 3.0 Handling 3.0 Comfort 2.0 Noise 2.0 Treadwear 3.0 2 of 4 I purchased were defective and couldn't be balanced to spec. Vibration and noise at speed. First and last Goodyear tire I'll buy. Snow and ice traction is better than all seasons but nothing great for a dedicated snow tire. Size: Vehicle: Anonymous made this review on 1/17/2015 and is a Confident, Experienced Driver Share this review: Overall: 4.2 Dry 4.0 Wet 4.0 Snow 4.0 Handling 4.0 Comfort 4.0 Noise 5.0 Treadwear 5.0 I have these tires on my 4wd tacoma. they work well. Good dry and wet traction, good snow traction, great ice traction, stopping is good as well. They do not compare to blizzak WS80's in snow/stopping ability, but they do work well. They also seem to last a good amount of time. Noise starts around 40km/h but it pretty quiet, equal to the blizzaks, more equal to michelin x-ice2. Size: 265/65R17 Vehicle: 2011 Toyota Tacoma 4 Dr Crew Cab 6 Ft Bed Base 17" option with 15000 KM of Tire Wear Anonymous made this review on 12/8/2014 and is a Confident, Experienced Driver Share this review: Overall: 4.0 Dry 5.0 Wet 4.0 Snow 3.0 Handling 4.0 Comfort 5.0 Noise 5.0 Treadwear 4.0 Not a hardcore snow tire but a competent and comfortable winter tire. Driving on cold dry roads feels like driving in summer with all-seasons. Performance in the wet is good. I just can't get over how quiet and smoothly a winter tire can ride. A very good winter tire in areas of light snowfall. Size: 235/45R18 Vehicle: 2013 Ford Fusion 4 Dr Sedan SE 18" option with 1500 KM of Tire Wear Anonymous made this review on 11/20/2014 and is a Confident, Experienced Driver Share this review: Overall: 1.8 Dry 2.0 Wet 1.0 Snow 1.0 Handling 1.0 Comfort 3.0 Noise 3.0 Treadwear 3.0 Worst tires I ever had. Used to live in the city, and over the course of two winters, didn't find them very good. Now that I live up in the mountains, they scare me. Zero traction on ice and mediocre on snow. Just got myself out of the ditch two time trying to get home. Definitely not made for Canadian winter. Stay away. Size: 235/60R17 Vehicle: Anonymous made this review on 11/17/2014 and is a Confident, Experienced Driver Share this review: Overall: 4.9 Dry 5.0 Wet 5.0 Snow 5.0 Handling 4.0 Comfort 5.0 Noise 5.0 Treadwear 4.0 GREAT TIRE Size: 215/40R18 Vehicle: 2012 Hyundai Veloster 3 Dr Hatchback Base 18" option with 20000 KM of Tire Wear Anonymous made this review on 11/12/2014 and is a Confident, Experienced Driver Share this review: « 1 2 3 4 » SpecsProduct CodeUTQG RatingSpeed RatingLoad IndexPrice 195/65R15 780584350 S91 $123.99 Add to Cart 205/55R16 XL 780563350 T94 $136.99 Add to Cart 205/60R16 780212350 T92 $119.99 Add to Cart 215/55R16 XL 780583350 S97 $156.99 Add to Cart 215/60R16 780562350 T95 $145.99 Add to Cart 215/65R16 780560350 S98 $128.99 Add to Cart 225/60R16 780034350 S98 $151.99 Add to Cart 225/65R16 780561350 S100 $149.99 Add to Cart 235/60R16 780328350 S100 $153.99 Add to Cart 235/65R16 780703350 S103 $152.99 Add to Cart LT245/75R16 268607372 Q120 $240.99 Add to Cart 215/45R17 780642350 T87 $188.99 Add to Cart 215/50R17 780641350 T95 $194.99 Add to Cart 215/55R17 780597350 T94 $170.99 Add to Cart 215/65R17 780585350 S99 $138.99 Add to Cart 225/45R17 780640350 T94 $192.99 Add to Cart 225/50R17 780600350 T94 $193.99 Add to Cart 225/55R17 XL 780598350 T101 $174.99 Add to Cart 225/60R17 780596350 S99 $154.99 225/60R17 780752350 S99 $157.99 Add to Cart 225/65R17 780712350 S102 $144.99 235/55R17 780599350 T99 $184.99 Add to Cart 235/60R17 780559350 S102 $164.99 Add to Cart LT245/70R17 268598372 Q119 $307.99 Add to Cart 225/45R18 780670350 T91 $189.99 Add to Cart 225/55R18 780643350 T98 $208.99 Add to Cart 235/45R18 780687350 T94 $208.99 235/50R18 780689350 T97 $212.99 Add to Cart 235/55R18 780556350 T100 $205.99 Add to Cart 235/60R18 XL 780553350 T107 $183.99 Add to Cart 235/65R18 780552350 S106 $186.99 Add to Cart 245/60R18 780554350 S105 $206.99 Add to Cart LT275/70R18 268600372 Q125 $259.99 235/55R19 780550350 T101 $195.99 Add to Cart 245/55R19 780551350 S103 $213.99 Add to Cart 245/50R20 780549350 S102 $240.99 Add to Cart * show all Advertisement


text: Photo by Mark Wilson/Getty Images [ High Court Throws Out Texas Voter ID Ruling By Associated Press June 27, 2013 WASHINGTON (AP) — The Supreme Court has thrown out lower court rulings that blocked a Texas voter identification law and the state's political redistricting plans as discriminatory. Read More|Comment Category: News Tags: supreme court, texas, voter id act Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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The creation of two New York-based stylists, OAK is all about pieces that are as achingly cool as they are effortless. This asymmetric brick silk top perfectly demonstrates the label's contemporary approach to tailoring. Accentuate the cut with black skinny jeans and boots, adding a stack of cuffs for extra urban edge.
Brick silkExtended side overlayButton fastenings through front100% silkDry cleanDesigner color: Oxblood
Product code: 321575 - Need help? Contact us


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"Because clean diesel autos are 20 to 40 percent more efficient than gasoline vehicles, diesel will be a major player in the nation's effort to achieve the new mileage standards."– Allen Schaeffer, DTF Executive Director
WASHINGTON, Aug. 28, 2012...
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World Cup 2014: Youngster Siedu Salifu pitches for World Cup spot
Tunisia-based Ghana youth midfielder Siedu Salifu believes he fits the bill to be considered in Ghana's World Cup squad.
The Club Africain player is counting on his form to be part of Kwesi Appiah's contingent to Brazil this June.
Salifu, who excelled at the 2013 FIFA U20 World Cup in Turkey, is currently in Ghana due to some family issues.
"It's everybody's dream to be part of the national team. I have won two individual awards this season and I have improved as a player. I have been active all season for my club, missing just four matches," Salifu said.
"If am given the opportunity to help my national team in the World Cup why not?. I have contributed my quota to the national under-20 team, the Black Satellites and am looking forward to making same for the Black Stars."


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Susan Davis reports on the Nobel Peace Prize.
That was fast. An online petition targeted at the Nobel Peace Prize Committee has already sprung up bashing their decision to award the honor to President Barack Obama.
"Lets express our objection against the absurd decision to award B. Obama Nobel Peace Prize. His activity had not yet abounded the unusual achievements. And although it can not be denied his potential, a decision the Nobel Committee is definitely premature, and in addition the political," the petition states, "Unfortunately, such a choice Stockholm committee is directed at existing laureates this prestigious Prize, who have spent years devoted themselves to working hard and consistently for their ideals."
Based on the original signers, the petition appears to have started in Poland. Although the outrage may be premature–there are just seven signatures so far. They are seeking one million.
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My son's first grade class when to Mount Pisgah on Thursday, June 6, 2011 and I went along as a chaperone. It was my first visit to Mount Pisgah, and I LOVED it! Everything was so beautiful, and we saw and learned a lot. Here are a few of my favorite scenic photos of the trip.
Scenic photos of Mount Pisgah
By: debratttSubscribe Channel: Weather & Scenery Location: Mount Pisgah Arboretum, Oregon
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Sept. 29, 2012
• Box Score | Box Score | Quotes
MADISON, Wis. - Despite coming back with a third set victory after trailing 2-0 in the match, the Wisconsin volleyball team couldn't maintain its momentum, falling to No. 22 Ohio State 3-1. The Buckeyes downed the Badgers 25-21, 25-11, 19-25, 25-20 in the UW Field House on Saturday night.
After suffering a close 25-21 first-set defeat and a tough 25-11 loss in the second set, Wisconsin wasn't ready to lie down against the Buckeyes.
"The first two sets were tough," said Head coach Pete Waite. "I think in ways there might have been some hangover from the match last night, just as far as not being in rhythm, not being confident. It took them a while to become a team again. We talked in the locker room, we were fighting each other more than we were fighting the opponent."
When the Badgers emerged from the locker room for the third set, they entered the floor with a renewed focus. The teams traded points with neither taking more than a two-point lead until Alexis Mitchell put down one of her five kills in the set to give Wisconsin a 19-16 lead.
A block by Mitchell on the next point stretched that lead to 20-16. Four points later sophomore Courtney Thomas, junior Crystal Graff and sophomore Ellen Chapman combined for one of the UW's nine blocks in the set to put the Badgers up six (23-17). Chapman then sealed the set with a kill.
"In the fourth, they come out, you would have thought that we be down and out in three sets," Waite said. "But we came out in the third and did a nice job of just playing the way we're capable of playing and we know we can do that."
The Badgers couldn't maintain their momentum in the fourth set as Ohio State opened up with a 4-1 margin. The Buckeyes upped their lead to 11-7 before a kill from Chapman and an OSU attack error brought the score to within two (11-9). OSU took four of the next five points to take a 15-10 advantage and Wisconsin would get no closer than three the remainder of the set.
Ohio State out-hit Wisconsin .212 (61 kills - 28 errors - 156 attempts) to .103 (42-26-155) for the match. But Badgers looked tremendous at the net, outblocking the Buckeyes 15.5-9.0.
Chapman led the Badgers with 14 kills while Mitchell added 12. Ohio State was led by Mari Hole and Kaitlyn Leary, who finished with 23 and 21 kills, respectively.
For the second night in a row, Thomas fell just short of a double-double, finishing the match with 32 assists and nine digs. Junior Annemarie Hickey led Wisconsin with 19 digs, while Mitchell came out on top among all players with eight blocks.
"I think that our passing was a lot better tonight than it was last night," Mitchell said. "We were handling balls really well, so we were able to get a lot of one-on-one blocks and put the ball away more."
Wisconsin also failed to score on a service ace for the second straight match while getting aced three times. The Badgers were also outdug 75-57.
"We've been better in the past," Waite said. "But Ohio State is a good team and they took advantages of some of those things. Just looking at the stats, for us to beat somebody in blocking 15.5-9, that's very good. It's just there's other aspects of our game that we have got to improve on."
The Badgers find themselves back in Madison again next weekend for a pair of matches against their neighbors across the lake, Michigan and No. 24 Michigan State, on Friday night and Sunday afternoon.
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A collection of fine art photographs of flowers, bugs, and nature photos. You can view more of my photos at my website at www.rharrisphotos.com
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Custom Car and Truck Fine Art Photographs Published November 11, 2013
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Dave and Tara's Wedding Book Published August 22, 2013
Our Wedding Published October 11, 2012
Building of a Freightliner Published November 29, 2011
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Mom's 80th. Birthday Party Published October 29, 2011
Scratches to Ashes Rust to Dust Published September 24, 2011


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- Northern New York Newspapers
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Thomas C. Trainham, 50, of 577 W. Main St., was charged after allegedly stating to Jefferson County sheriffs deputies that he was talking on his cellphone when he drove through a red light and struck another vehicle.
Additionally, deputies said Mr. Trainham, who is disabled with a back injury, had taken three Percoset pills that day and failed a field test.
The other vehicle, driven by Rebecca A. Moody, 40, of 1736 Burns Ave., Apt. B, suffered damage to the front and right side. Neither she nor Mr. Trainham were injured.
He was charged with driving while ability impaired and second-degree aggravated unlicensed operation, both misdemeanors, as well as passing a red signal, operating without insurance and operating a motor vehicle while using a mobile phone, all traffic infractions.
He will appear in Town Court to answer the charges.
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.
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V7/x86 version 0.8
V7/x86 is a port of the Seventh Edition of the UNIX operating system to the x86 (IA-32) based PC. UNIX V7 was the last general distribution (around 1979) to come from the Research group at Bell Labs, the original home of UNIX. The port was done by Robert Nordier mostly around 1999 when "Ancient UNIX" source code licenses first became available, and was revised for release, with some enhancements, during 2006-7.
V7/x86 currently supports ATA (IDE) hard drives, ATAPI CDROM drives, a 1.44M floppy drive, and standard serial ports, in addition to the usual PC screen and keyboard. For easier installation and setup, supplied utilities allow access to CD (ISO 9660) and FAT (MS-DOS) filesystems. Source code is available under a Berkeley-style license.
V7/x86 on VirtualBox
One of the easiest ways to try out V7/x86 is to run it as a virtual machine. This saves all the trouble of dealing with actual hardware, and you can be up-and-running almost immediately.
Oracle VM VirtualBox is a popular cross-platform virtualization application, available at no charge. This quick step-by-step guide covers running V7/x86 on VirtualBox using the downloadable V7/x86 virtual machine package.
Classic BCPL
These pages focus on the original Cambridge BCPL porting kit using INTCODE, in a version that dates from around 1984. This compilation system is very close to that described and documented in the book BCPL -- the language and its compiler by Martin Richards and Colin Whitby-Strevens (Cambridge: Cambridge University Press, 1979).


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|Product #: EMC3320070_TQ
Vowels: Recognizing Long & Short Vowel Sounds (Resource Book Only) eBookGrade 1|Grade 2
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Please Note: This ebook is a digital download, NOT a physical product. After purchase, you will be provided a one time link to download ebooks to your computer. Orders paid by PayPal require up to 8 business hours to verify payment and release electronic media. For immediate downloads, payment with credit card is required.
This one-page chart shows short and long vowels (a,e,i,o,u) with pictures and can be reproduced as an overhead transparency, as handouts for each student, or as a classroom chart
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Raymond Weil - 7735-stc065001
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- Infowars - http://www.infowars.com -
Stocks Fall Amid Concern About Europe's Economy
Posted By admin On May 20, 2010 @ 3:29 pm In Economic Crisis,Old Infowars Posts Style | Comments Disabled
CHRISTINE HAUSER and MATTHEW SALTMARSH
The New York Times
May 20, 2010
Stocks on Wall Street fell sharply on Thursday as uncertainty over Europe and financial regulation continued to weigh on the market.
At the close, the Dow Jones industrial average was down 376.36 points, or 3.6 percent, at 10,068.01. The Standard & Poor's 500-stock index was down 43.46 points, or 3.9 percent, at 1,071.59 and the Nasdaq composite was down 94.36 points, or 4.1 percent, at 2,204.01.
Indexes in Europe and Asia were all lower.
New measures in Germany to ban naked short selling, uncertainty over financial regulation in the United States and persistent Euro zone troubles ganged up with Thursday's disappointing jobless claims and signs of lagging economic indicators to smother any optimism about corporate results or signs of a recovery that might have lifted sentiment.
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In this issue...
*What??? YOU HAVEN'T HEARD?!?!?!*
*More Liquid Love for Locals*
*The Colors Bloom Early at O'Brien's*
*The Bastard is Back in Ohio *
*They hide it up in Telluride? Not in Mid September they don't...*
What??? You Haven't Heard?!?!?!
Just a reminder...If you haven't already heard about the Stone VI anniversary Open House and Invitational Beer Festival you must be Chilling---Ted Williams Style! Thaw yourself out and make it to the brewery this Saturday, August 10th. All your favorite Stone brews, as well as 15+ guest beers and breweries will be represented. Come celebrate our birthday and support the Surfrider foundation...
more details
More Liquid Love for Locals
Going out to the San Marcos Grand Summer Festival on Sunday, August 18th? Make sure to stop by the beer garden area and enjoy a fresh Stone brew! The beer garden will be located in the parking lot of the "Old California Restaurant Row" at the corner of San Marcos Blvd and Via Vera Cruz... Doesn't get any fresher than that!
The Colors Bloom Early at O'Briens
Those of you familiar with Stone's Put Red On Your Head Week will want to know about a special gathering of Stone's Red Army. Join Lee "Copperhead" Chase, Chris "Candy Apple" Cochran, "Crimson Bastard" Koch and the rest of the Red Riding Hoodlums at a celebration this Thursday at O'Briens from 5-9 p.m. This special event is to honor those who have made the color change for charity and unnatural redheads will enjoy serious specials ... come lift a pint in their honor!
O'Brien's is located at 4646 Convoy
The Bastard is back in Ohio
Granville,....The Jewel of Licking County Ohio (next to Pataskala of course --- GK's hometown) .....Home of Denison University, Opera Park and the famous Moundbuilders State Park. Native American mound builders inhabited the area as early as 10,000 b.c., but local lore says they got tired of waiting around for Stone Ales and left around 600 b.c. The beer enthusiasts at BREWS Cafe have now ended that wait and are bringing the Arrogant Bastard himself in to pull the first pint... Join Stone CEO Greg Koch and Brews Cafe regulars Jim Holton and Jerry Martin in Granville on Thursday eve, August 15th for this historic event. Arrogant Bastard pints and shirts will be available. Heck, after last call, there may even be some more mound building. They'll probably change the name of the place from Licking County to Sipping County too! Directions to BREWS cafe are available at
They Hide it up in Telluride?
Not in Mid September they don't...
Write ROADTRIP on your calendar for September 13th through the 15th for the Telluride Blues & Brews Fest. Saturday will be the special "Brew Fest" day with a large showing of craft brews from all over. Lovingly consumed at high altitude, you may want to wear a helmet. Arrogant Bastard Ale at 14,000 feet? Wouldn't that be a vertical limit at the vertical limit? September 13, 14 & 15 (the beer fest part is the 14th). Much more information about beer, blues and bands is available at:


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|Format: Paperback
Number of Pages: 192
Vendor: Church Publishing Inc.
Publication Date: 2009
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The new book is more heavily pictorial in an effort to provide an even stronger resource for artists and researchers, as well as the general browsing public. It addresses the rich history of Christian symbolism, presented for the twenty-first century reader.
This unique resource offers page after page of line drawings depicting sacred monograms, saints, crosses, altars, flowers, fruits and trees, plus symbols of the Jewish and Christian Scriptures, the Church Year, the Apostles, the Holy Trinity; and much more. Completely updated and with ecumenical appeal, this useful new reference book expands on its earlier and well-earned reputation for providing clear and reliable information on Christian symbolism.