text:
Fundamentals of Business Mathematics in Canada, Canadian Edition | 978-0-07-026718-3
ISBN-13: 9780070267183 See more
Author(s): Jerome, F.; Shemko, Jackie
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With the CourseSmart eTextbook version of this title, students can save up to 50% off the cost of a print book, reduce their impact on the environment, and access powerful web tools for learning. Faculty can also review and compare the full text online without having to wait for a print desk copy. CourseSmart is an online eTextbook, which means users need to be connected to the internet in order to access. Students can also print sections of the book for maximum portability. Jerome/Shemko, Fundamentals of Business Mathematics in Canada, builds from the solid foundation of the original Jerome which is the market-leading Canadian business mathematics text. Our new Fundamentals text leverages the strengths of the comprehensive text while addressing the need for a concise treatment of Business Math. Jerome/Shemko retains the thoroughness of explanations and breadth of examples and problems, while addressing the need to emphasize basic math skills and focused coverage of all essential content for students in the one-semester or remedial two-semester course. The guiding principle, shared with the original text, is that students learn business math by doing business math. Its goal is to help students learn the mathematics needed for success in fields such as accounting, finance, management, and marketing. ACCESS TO CONNECT IS NOT INCLUDED WITH THE PURCHASE OF A COURSESMART TITLE. TO RECEIVE CONNECT WITH EBOOK visit www.mcgrawhill.ca/he/estore
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text: http://techcrunch.com – Last week we reported that MessageMe, one of the latest messaging apps to hit the smartphone market, had picked up a $10 million Series A round of funding, and today, the company is officially confirming the news, along with some more details on how it's been doing in the 2.5 months since it launched. It now has 5 million users across both iOS and Android — a five-fold increase on the 1 million that downloaded the app in its first 10 days. MessageMe aims to carve out a name for itself by offering more ways than the rest of the pack — which includes WhatsApp, Line, KakaoTalk, (IT news)

subset: commoncrawl


text:
For $700 they received 52 design concepts from 16 designers!
Over 40,000 of the world's best entrepreneurs and small businesses trust crowdSPRING with custom logo design, web design and writing services. 96% of them recommend that you try us too.Find out more
Starts:13-Sep-12 4:24 p.m. GMT
Ends:20-Sep-12 4:24 p.m. GMT
Award 1: $700, was awarded to Vanikri...
JPG, Layered PSD
Preview: crowdSPRING Contract
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National Seminars Training
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text: "Hoppy Cat" is the next game of 3 cute cats: Tiny The Big Boy, Midi the Naughty One and Gigi the Little. This time they steal the bone from Plump, the big dog. Help them running from Plump's chasing! Tap on the left to hop, tap on the right to ...Read more


text:
Study of the Initial Combination of Bosentan With Iloprost in the Treatment of Pulmonary Hypertension Patients (BIPH)
- Full Text View
- Tabular View
- No Study Results Posted
- Disclaimer
- How to Read a Study Record
Previous studies suggest that combinations of existing therapies may be effective for pulmonary arterial hypertension (PAH). However, all of these studies are sequential combination therapy, for example, by adding sildenafil to previously prescribed bosentan. This kind of therapy model is not enough for PAH patients, especially those with New York Heart Association (NYHA) class Ⅲ and Ⅳ. In this randomized, multicenter study, the investigators evaluate the safety and efficacy of combining inhaled iloprost, a prostacyclin analog, with the endothelin receptor antagonist bosentan in treatment naive patients with PAH by comparing with bosentan monotherapy. Efficacy endpoints include change from baseline in 6-min-walk distance (6-MWD), modified (NYHA) functional class, hemodynamic parameters, and time to clinical worsening.
Pulmonary Arterial Hypertension
Drug: Iloprost
Drug: Bosentan
Phase 3
|Study Type:
|Study Design:
|Allocation: Randomized
Endpoint Classification: Safety/Efficacy Study
Intervention Model: Parallel Assignment
Masking: Open Label
Primary Purpose: Treatment
|Official Title:
|Phase Ⅲ Study of the Initial Combination of Bosentan With Iloprost in the Treatment of Pulmonary Arterial Hypertension Patients
- change from baseline in 6-min-walk distance (6-MWD) [ Time Frame: 12 weeks ] [ Designated as safety issue: No ]
- modified (NYHA) functional class [ Time Frame: 12 weeks ] [ Designated as safety issue: No ]
- time to clinical worsening [ Time Frame: 2 years ] [ Designated as safety issue: No ]
|Estimated Enrollment:
|Study Start Date:
|September 2012
|Estimated Primary Completion Date:
|September 2014 (Final data collection date for primary outcome measure)
|Assigned Interventions
Experimental: Combination therapy
combine inhaled iloprost, 10μg, 4-6times/day with bosentan,125mg,po,bid.
|Drug: Iloprost Drug: Bosentan
Active Comparator: monotherapy
|Drug: Bosentan
|Ages Eligible for Study:
|10 Years to 80 Years
|Genders Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria:
- aged 10 to 80
- treatment naive symptomatic PAH
- 6-MWD of 100-425 m
- resting mean pulmonary artery pressure greater than 25 mm Hg, pulmonary capillary wedge pressure less than 15 mm Hg, and pulmonary vascular resistance of 240 dyn.s.cm-5 or greater.
Exclusion Criteria:
- Patients with thromboembolic disease,
- untreated obstructive sleep apnea,
- portal hypertension,
- chronic liver disease or renal insufficiency,
- left-sided or unrepaired congenital heart disease,
- substantial obstructive (FEV1/FVC<50% predicted) or restrictive (total lung capacity<60% predicted) lung disease
- Patients receiving phosphodiesterase inhibitors or other prostanoids and endothelin receptor antagonists
Please refer to this study by its ClinicalTrials.gov identifier: NCT01712997
|Contact: Shengqing Li, MD, PhD
|China, Shaanxi
|The department of pulmonary and critical care medicine, Tangdu hospital
|Xi'an, Shaanxi, China, 710032
|Contact: Yonghong Xie, MD +86-29-84777725 email@example.com
|Principal Investigator: Yonghong Xie, MD
|The department of pulmonary and critical care medicine, Xijing hospital
|Xi'an, Shaanxi, China, 710032
|Contact: Xinpeng Han, MD +86-29-84775237 email@example.com
|Sub-Investigator: Xinpeng Han, MD
|Sub-Investigator: Yongping Yu, MD
|Principal Investigator:
|Shengqing Li, MD, PhD
|The department of pulmonary and critical care medicine, Xijing hospital
No publications provided
|Responsible Party:
|Shengqing Li, Associate Chief Physician, Associate Professor, Fourth Military Medical University
|ClinicalTrials.gov Identifier:
|NCT01712997 History of Changes
|Other Study ID Numbers:
|Study First Received:
|October 22, 2012
|Last Updated:
|February 26, 2014
|Health Authority:
|China: Food and Drug Administration
Keywords provided by Fourth Military Medical University:
Treatment of
Additional relevant MeSH terms:
Cardiovascular Diseases
Vascular Diseases
Antihypertensive Agents
Cardiovascular Agents
Hematologic Agents
Pharmacologic Actions
Platelet Aggregation Inhibitors
Therapeutic Uses
Vasodilator Agents
ClinicalTrials.gov processed this record on October 08, 2015


text:
2009 SRIP Journals
~Deseray Aguirre, Wisconsin, Oshkosh~
This summer I was in the Neuroscience Department with Dr. Kipnis. I got to do a Golgi Stain. It took so much time to do, but when I looked under the microscope, and saw that it actually came out, I was very excited. I really loved the lab I was in, and the people working there were amazing. They taught me so much, it's unbelievable. I learned a lot about what it's like in Graduate school. The people I worked with in the lab were some of the hardest workers I've met. I also learned that things in lab don't always go your way, even if you want them to, and mistakes do happen. I really liked the research we were doing in lab (the basic idea was how t-cells affected cognition/memory-who knew?). It inspired me to take off two years after my undergrad (before medical school) to do research in a lab hopefully that pertains to Alzheimer Disease. The people I met through the SRIP program were extremely welcoming and I made some really great friends there. I also had the best summer of my life. I met so many new people, experienced different cultures, and got to go many different places. Thank you all so much!
~Paiam Alavi, University of Texas, Austin~
Going into this research program I was on the edge of medical school and graduate school. And I'm going to tell you straight out that I still haven't figured out which side I'm leaning toward. However, what I did find out that changed my prospective of graduate school is the closeness of the students. Every single graduate student or PhD student took their own time out of their busy schedules to answer every last ridiculous question I had. I don't think I can get that feeling with the competition of Med School. I'd like to thank everybody in my lab and SRIP as well for helping me out with this wonderful experience.
~Melissa Bradshaw, Lock Haven University~
This program as a whole was very beneficial. Not only did I learn about my research and the research of the other people in my lab, but I was also strongly influenced by the people around me. Everywhere I walked, I was bound to run into a grad student, a medical student or a doctor, which for me was extremely encouraging. The UVA students were patient enough to listen to my questions about grad school, and provide answers. Also, the doctors were so kind as to allow me to shadow them the 10 weeks I was here at UVA. Another thing I found to be very helpful were the meetings which detailed other areas of research not associated with our lab. We were also given the opportunity to form networks with people who could play a part in our acceptance to graduate school. For all the future SRIP students, I say, make the most of your time here. Even though you're in SRIP, you're not bound to the program alone. Make uses of the UVA facilities. The gym is an excellent way to spend your evenings. The library also is very beneficial, with your UVA ID; you have the opportunity sign out books and use the computers. Also with the hospital close-by, there are endless opportunities; shadow a doctor, watch surgery, and most of all do not limit yourself. Be productive!
~Amy Chabitnoy, Franklin and Marshall~
Having no previous experience working in a lab, I came into this summer not knowing what to expect. What I got was way more than I could have ever imagined. I gained such valuable experience and knowledge about scientific research and how it is conducted. I learned that scientists, although they work very long hours, still have fun and are a great group of people. I loved the lab I was placed in and the research in which I was involved. My mentor was very helpful and taught me a great deal about how to read scientific literature and how to present science to others. Everyone in the lab was very helpful. This summer also introduced me to some really great people from all walks of life. Not only did I learn from my mentor and the graduate students with whom I worked, but I learned a lot from my peers. I have made some strong connections this summer that will be greatly missed when I return home. This summer was a truly great experience and I am so thankful I was chosen to be a part of such a program.
~Xavier Davis, Lincoln University~
My summer spent with the SRIP program at UVA this summer was amazing! The opportunity to work with and interact with so many talented individuals is one that I greatly appreciate. SRIP is a very diverse program that really focuses on the enrichment and betterment of their participants. This program is one that I would encourage ALL to partake in because it will truly make you a better person, student, and most of all researcher.
~Alexandra De Leon, Amherst College~
SRIP gave me the opportunity to gain valuable lab experience. Before SRIP, I had never worked in a lab, and wanted to use this summer to learn if research was something I wanted to continue with in the future. My mentor, as well as the post-docs and graduate students in my lab, were all extremely helpful throughout the 10-week internship. They were excellent teachers, which was especially important as I was unfamiliar with many of the techniques we used prior to this experience. It was exciting to work on my own project and to contribute data that will be used for future studies. I also enjoyed getting to know the other SRIP students, exploring Charlottesville, and learning about everyone's research in the presentations at the end of the summer. SRIP has provided me with skills that will be beneficial in the future, whether I decide to pursue medicine or research.
I applied to the UVA SRIP program because I wanted to gain lab experience that would help me attain my goals of going to medical school and becoming a doctor. I got that lab experience and much more. The research project that I got to work on during the summer not only piqued my interest from the moment I started reading background literature, but kept me excited and busy for the duration of my time in the program. I looked forward every morning to going into lab for the day's work, and I often went in after hours to continue my research. Not only did I get the chance to learn and practice procedures that will be very handy for my future, but I got to be part of the thinking process behind the research. I got to be a part of decision making for the course of the project and value that opportunity as well. I also got the chance to meet some amazing people, be it fellow program members or members of my lab, and I hope those friendships last longer than just this summer.
~Mitchell Leibowitz, University of Virginia~
The SRIP program was an invaluable resource as an undergraduate looking to gain insight into the research world. Through the program I was able to experience research from many perspectives, including those of the PhD mentors who gave presentations and who I worked closely with, the graduate students and post-doctoral students who are only a step or two ahead of me on the road to becoming an independent researcher, and my peers, some of whom were experiencing research for the first time, and some of whom, like myself have been performing laboratory research for several years now. The program helped me to realize what is ahead for me in my future, especially that of graduate school. SRIP has only reinforced my desire to become a researcher at a large research institution such as UVa.
~Tashima Lambert, University of Virginia~
SRIP placed me in the environment in which I plan to spend the rest of my life. They afforded me the opportunity to work with scientists on projects that are continuously changing the way we practice medicine. My lab experience has enhanced my scientific knowledge, exposed me to new procedures and equipment, and most importantly encouraged my inquisitive nature. I was given tasks and allowed to formulate my plan of attack, arrange schedules to get them done, and treated like every other scientists in the lab. This opportunity is not easily gained as an undergraduate, thus I greatly appreciated it. SRIP has also graced me with educational benefits outside the laboratory. I was able to learn about areas I knew nothing of and about various paths that I might decide to take my career. This program has helped me realize what role in medicine I hope to play with the aid of speakers from interdisciplinary professions. Lastly, SRIP has linked me with young individuals that share my passion for medicine and research. Their ideas have helped illicit new ideas of my own and their outlook helped guide my path. Their support, through our attempts to figure out life after undergrad, was invaluable.
~Stacey McDowell, Georgia State University~
My research was conducted in the Reddi Lab. In that lab I was able to do things that I never imagined I could do. I learned so much about Spermatogenesis at a molecular level and more. My lab mentor was extremely helpful and encouraging. I believe the people around me really believed in me and did everything in their power to help me blossom as a scientist and student. I am so thankful that a program such as this exists, and only hope that I does so for many years to come.
~Charles Molokwu, Delaware State University~
I experienced the opportunity to work in a lab run by medical doctors and that gave me the insight to see how doctors can relate to the research environment and apply their knowledge to conduct clinical study that can help patients. This experience inspired me and opened new doors to what I want to do as an aspiring medical doctor. I enjoyed this program and the classmates I worked with.
~Khris Nguyen, William and Mary~
The SRIP program, done right, puts you through the rigors of research comparable to the level a graduate student goes through. Teamwork is essential to be a valuable, contributing member to a lab, and patience is a must. At the end of ten weeks, you should have a very good idea whether or not research is right for you as a career. Overall, the SRIP met my expectations.
~Marie-Pierre Payen, Queens College~
My experience at UVa was wonderful. I really liked the people in the lab where I was assigned. I sure had to work hard but I learned so much this summer! I was able to understand what graduate school could look like. Some days are very hard with little results. However, some days are very bright, and a 'one day' result can make up for weeks of trials. This summer reinforced my love for science and my dream to become a neuroscientist. The GRE lessons were also great. What I like the best about the GRE classes is the fact that we can access the materials even after summer.
People were so nice around the campus, I made a lot of new friends. If someone likes nice, green, quiet and affordable living, Charlottesville is the right place to be. They also have very nice, multicultural restaurants (I like to go out to eat food from different countries). The SRIP staff were also very nice and helpful. They provided very useful seminars. I myself particularly enjoyed the round table discussion with the graduate students. My advice to prospective students: make the best out of your summer! First work hard in your lab, then visit other labs on campus. You will be amazed how nice everybody is! Other faculty, even if they are not part of the SRIP program will meet with you if you email, or stop by their lab. I did that, they were very nice and gave me good advice. I sure had a GREAT experience.
~Katherine Schultz, University of New Mexico~
Without a doubt, the SRIP program was one of the most impactful experiences of my life. Even though I did not have very much lab experience, I was given the opportunity to try procedures not only for my experiment but also procedures for the other experiments being run in my lab. I was never without support, which meant when I became lost or confused I had someone whom I could ask for help. I gained so much experience and confidence, not just in the lab, but in my everyday life as well. Like most aspects of life, you will get out of this program what you put into it. This does not mean long, grueling hours of work daily without a break. Part of why this program was so amazing was that it allowed me to experience what the life of a researcher would be like. Yes, there were some days that were longer than most, but there were also days off and even the occasional party. Perhaps most important to me, however, was the social aspect of the program. The people in my lab were beyond amazing. More than just being helpful, they became my friends. Another amazing aspect of the program, which I never expected to occur, was the bond I formed with fellow SRIP students. It was with these students that I truly grew as a student, researcher, and as a person. I loved every minute of this experience, and I would gladly do it again in a heartbeat!
On my first day in lab, I already had the assumption that I was going to have a long, boring summer. I wanted to be in a lab that dealt with the genetics of Lupus, but once I got into this lab... I didn't realize how much of basic genetics I did not know. The lab I was in, was heavy on genetics...so whenever my mentor asked me a question, I just felt lost and dumb. As the first week ended and the second week approached, I started learning genetics all over again. This time, I was excited to learn. I was excited because I was actually doing transfections, RNA extraction, reverse transcriptase; the procedures that my genetics class ONLY talked about. The lab was amazing. It was only Dr. Charles Farber (mentor), Ana (lab technician), and myself; so I had one on one treatment. I learned so much during this summer and I actually started to look for graduate schools to go to for research. During this program, I learned that research tends to make people feel stupid, but that's the encouraging thing about it. Martin A. Schwartz Ph.D, UVA Microbiology Department, stated, "if we don't feel stupid it means we're not really trying (The Importance of Stupidity in Scientific Research)." And during this program, I TRIED a lot of new methods and experiments.
~Connie Yue, Hendrix University~
I enjoyed every aspect of the Summer Research Internship Program (SRIP ) at the UVa School of Medicine. I studied Hsp90 protein chaperone complex formation as a component in androgen receptor signaling pathways in prostate cancer. Everybody in the lab was very helpful and supportive. In the short period of time, I was exposed to advanced biochemistry beyond the level of a classroom. The weekly SRIP lectures and the close interactions with the graduate students from different departments provided me with an insight into graduate school. In addition, not only is Charlottesville a very attractive academic town, but also there are many attractions within driving distance. I had fun weekends at Virginia beach, the outer banks in North Carolina , and Washington D.C. Because all SRIP students were living on the same floor, we got to know each other very well. Spending this summer in SRIP was a very valuable and broadening experience.


text:
Welcome to Harrow Korfball!
The Mums and Dads of Harrow are well on the way to their target of setting up 6 clubs for both juniors and seniors by 2014. We want you to help, we have grants of £1000 to help you.
CLUBS - Seniors & Juniors can find a club and training times. We welcome anyone from beginner to seasoned veteran, young or old. Just give it a go!
COMPETITIONS - Sunday afternoon Recreational games to serious league matches - times and venues.
SCHOOLS/COLLEGES - Find out who is doing it and how your place can get involved. List of active Junior Schools, High Schools & 6th Form Colleges.
NEWS - Match Reports and up and coming events.
Harrow Vutlrix Korfball Club was the first club founded in North West London and has been the hub of new groups playing Korfball here.
Through these efforts and dedication to promoting the sport, Korfball is now played in many primary schools, secondary schools and colleges locally.
This website contains information about all of the groups running in this area and how you can get involved.


text:
FPS Multiplayer ProjectFree multiplayer schooter game for Windows, mac, linux and webbrowsers
Play it your wayUse your brain and play it your way to win the battle.
Beautiful qualityAAA visual fidelity. The power of Unity.
AttachmentsCustomize your weapons with attachments.
Recent News
FPS Multiplayer Project
We are creating an Multiplayer First Person Shooter game in Unity 3D, With some fresh ideas.
Have you some great ideas that you want to see back in the game? Click here to go to the wish list.
Join our Team
We are searching for people to join our team!
Are you interrested, feel free to contact us.
Contact us on the Contact us page or send us a email at: email@example.com


text:
WEST SENECA, NY- It's Family Fun Month on Daybreak and Friday's feature was West Seneca's Queen of Heaven Carnival.
Tens of thousands of people are expected to turn out for the three day long carnival in its 32nd year. It's a family tradition for families throughout the southtowns. The Queen of Heaven Carnival runs July 12, 13 and 14 includes free admission and free parking, a large midway, games and food.
Featured dinners served in the air-conditioned Parish Center include pulled pork or fish sandwiches on Friday and chicken and ribs on Sunday. Rocket Ball Bingo, theme basket drawings and trip and vehicle giveaways are also part of the event. In the $20,000 Giveaway, participants have a chance to win a new vehicle, Harley, boat , or recreational vehicle.
Entertainment includes the Strangers, Hit N Run and Route 66.
Carnival hours are Friday 6 p.m. to midnight, Saturday noon to midnight, and Sunday noon to 10.
For more information click here.


text:
Republican presidential candidate and former Godfather's Pizza CEO Herman Cain admitted to MSNBC's Chuck Todd October 12 that he had "missed" the housing bubble and 2008 financial collapse.
"What I missed in 2005 was just how bad Fannie Mae and Freddie Mac had distorted the housing market," Cain told Todd. "I honestly did not realize just how bad it was, just how bad the whole bundling and derivatives thing was, and that we were on the brink of a total financial meltdown. So I learned later on by looking into it deeper that the situation was a lot worse than I thought in 2005."
As late as September 1, 2008, Cain wrote that the economy seemed to be on solid ground: "The supposed failure of Bush's economic policies has been a constant theme of the Democrats since the 2006 elections, when the Democrats regained control of the House and Senate by convincing enough of the voters that the economic sky was falling, and that the war in Iraq could not be won. Based on all of their convention speeches, they plan to continue those themes right through Election Day on November 4." Wall Street giant Lehman Brothers filed for bankruptcy just two weeks after Cain's column was published, and President Bush subsequently began pushing for the TARP bailout bill (a bill also backed by both then Senator Barack Obama and Herman Cain).
Click here to read the entire article.
Photo of Herman Cain: AP Images


text:
The Blog
Big Banks Have Big Problems
12:00 AM, Oct 12, 2013 • By IRWIN M. STELZER
Janet Yellen, dubbed "Ms. QE Infinity" by some wags because of her support for printing money to create jobs, and her willingness to pierce the Fed's long-held 2 percent annual inflation ceiling, will have more to worry about than monetary policy when she steps into Ben Bernanke's ample shoes on February 1. There is the small matter of regulating the nation's banks, a chore made difficult for her by two unrelated facts.
The first is that she does not have as firm a theoretical grasp of regulatory issues as she does of monetary policy. Second, her relations with fellow Fed governor Daniel Tarullo are reported to be more than a little fraught. And Tarullo, a one-time Obama campaign adviser still close to the White House, has primary responsibility for the Fed's bank-regulation program. The differences between Tarullo and Yellen is not doctrinal – both favor aggressive regulation – but personal, which unfortunately often proves to be the more difficult to overcome.
While attention focuses on the will-she-won't-she- taper-soon guessing game popular with traders and the business press, the problems faced by America's banks receive far less attention. And they are many and non-trivial. Indeed, the more important question is whether the world has changed sufficiently to cause us to wonder whether the big beasts of the banking world are on course to becoming heavily regulated, boring financial utilities, more like your local electric company than like the money-spinning, risk-taking institutions of the good old days before Lehman Brothers made its noisy exit from the financial sector. Put differently, did Brookfield Office Properties, a large New York City landlord, have it right when it changed the name of its World Financial Center complex to Brookfield Place in recognition of the ongoing shrinkage of the demand of big banks for commercial office space in the world's financial center?
The first problem for the banks is that the end of the refinancing boom – trading in mortgages with relatively high interest rates for ones with lower rates, and paying a nice fee for the privilege – is cutting into profits. Wells Fargo, which writes 30 percent of all mortgages, reported yesterday that mortgage applications in the third quarter dropped to $87 billion from $146 billion a year earlier. Layoffs have inevitably followed. Citigroup and other leading lenders have laid off a total of 7,000 workers in their mortgage departments, and more pink slips are sure to follow.
The second is lower loan growth. U.S. companies are rolling in cash, and are able to borrow directly in the markets without bothering to have a chat with their friendly bankers. This particular version of disintermediation – going directly to the market to borrow money – deprives banks of the handsome fees they once charged big businesses in need of loans. Add to that a recovery too anemic to make it necessary for many companies to expand, and the banks that once treated potential borrowers with a certain hauteur now find themselves beating the boardrooms for business.
This is especially true of the largest banks, under pressure from regulators to avoid risky lending, and uncertain just how new regulations and increasingly stringent "stress tests" will crimp their ability to lend. The Fed reports that the nation's 25 largest institutions ranked by assets saw hardly any loan growth at all – 1 percent – compared with 4.7 percent for smaller banks. Being too big to fail now has some disadvantages that offset economies of scale enjoyed by the big banks, if indeed any such economies exist.
Then there is the problem of declining revenue from fixed income trading. Don't worry if you don't quite understand what this business involves. All you need to know is that revenue from fixed income trading is an important source of profits and, "Banks mostly reliant on fixed income trading are scrambling for ways to offset substantial declines in revenue and [the effect of] new regulations, with bankers predicting deeper cost cuts and job losses," as a recent issue of the International Financing Review puts it. "A full scale rout in trading" has prompted analysts at Sanford B. Bernstein to cut earnings estimates of Morgan Stanley and Goldman Sachs.
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text:
DELTA, B.C. — The body of missing Tsawwassen resident Cory Fergus has been recovered.
Delta police were notified Tuesday of the discovery of the body of an adult male off the B.C. coast in U.S waters.
After being contacted by the U.S. Coast Guard, Delta police attended the area with the Canadian Coast Guard via hovercraft and recovered the body.
It was subsequently identified as Fergus.
Police said foul play is not suspected but investigators will work with the coroner to determine the cause of death.
When the 43-year-old left his girlfriend's house last Monday evening to check his crab traps in Boundary Bay, she didn't expect emergency crews would end up combing the bay looking for him.
"He was getting the crab for my son's ninth birthday," Simone Still said. "He said he would be right back."
She said all four of her children love crab and Fergus was hoping to have some for the special birthday dinner.
Still said she wanted to go with Fergus to get the crabs, but he insisted she stay home — it would be too cold for her.
Fergus never returned. Delta police said this week the file is still open but the active search has been concluded.
Through her grief, Still laughs while recalling stories from the couple's two years together. She remembers last Christmas when she was lamenting the lack of snow in the Lower Mainland.
"He said, 'You will have a snowman,'" Still said. And on Christmas morning, she awoke to find a giant snowman in her driveway.
Fergus had collected all the ice from the arena and used it to make the snowman, complete with a carrot nose.
"Who does things like that? He does."
Fergus loved the beach, she said, and often went there to find peace, solitude and to regroup.
However, he was also full of energy and strived to live each day to the fullest.
"He was happy all the time," Still said. "Sometimes it was irritating because he had so much energy."
Still, a single mother of four, said Fergus, a diabetic, was like a father to her children, in addition to having two of his own.
"He was a father to my kids when they didn't have one," she said. "He did so much for them ... He was a loving father. He was a loving human being."
Described as a person always willing to lend a hand to others, even strangers, Fergus was helping Still renovate her Ladner home.
Neighbour and friend Angus McCreesh said he and Fergus had an instant connection when McCreesh and his wife Eileen moved into the same Tsawwassen apartment building more than a year ago.
McCreesh said he and Fergus became fast friends.
"It was as if we had known each other for a lot longer," he said.
McCreesh, who is confined to a wheelchair, said the two men bonded over shared struggles (both had spent time at GF Strong Rehabilitation Centre) and an interest in astronomy.
"We discovered we were kindred spirits," McCreesh said, adding that he and his wife are still in shock over what happened to Fergus.
"He's a very special guy," he said, describing Fergus as caring, selfless and quick to lend a hand.
McCreesh said he was having difficulty getting out onto the couple's balcony. When Fergus found out, McCreesh said, he quickly got his tools and some materials, and in no time fixed it so he could easily navigate his wheelchair onto the deck.
Still said she is now finding peace in the fact she got to know, and be loved by, Fergus.
"That's the only thing that gives me peace right now ... I had it. Even if it was for such a brief time."
Still said she wanted to thank all those who joined in the search for Fergus.
"He would be so honoured that he was looked for," she said. "He would be amazed at how many people were looking for him."
When Fergus didn't return for the birthday dinner, Still said she was worried but initially thought he might have got cold and gone home. When she hadn't heard from him the next day, Still said she began to worry. She went to his apartment and called area hospitals.
Still said she delayed calling police because she thought she had to wait 24 hours before reporting a missing person.
"I knew inside that something was wrong."
Fergus was reported missing at 4:30 p.m. last Tuesday and a full-scale search, which included the Canadian Coast Guard hovercraft, helicopter, planes and police boats, was launched.
The search continued through the night and into the next day when his small boat was found, almost entirely submerged, 6.5 kilometres south of Point Roberts.
On Wednesday afternoon, after 24 hours, the coast guard called off its search and handed the investigation over to Delta police.
A Joint Rescue Co-ordination Centre spokesperson said the decision was made based on the amount of time Fergus had been missing and the temperature of the water.
Last Thursday, Delta police Staff Sgt. Harj Sidhu said the department's missing persons unit had taken over the investigation and called in Surrey Search and Rescue, which began scouring shorelines in the area.
"We're doing more of a recovery mission at this point," he said.
Sidhu confirmed there is no evidence to suggest the disappearance is suspicious or that Fergus was suffering from mental health or emotional issues.
"At this point, everything points to an unfortunate accident."
Read more Fraser Valley news at delta-optimist.com


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Choosing a Bird Bath For Your Backyard Oasis
Decorating Your Yard With a Bird Bath
Adding a bird bath to your backyard design can create a feeling of serenity and a connection with nature. These bird baths provide the perfect source for the birds of nature to frolic in your own backyard. When you are looking to purchase a bird bath for your garden, there are few things to take into consideration first, such as the various sizes, designs and styles for your particular garden.
Bird Bath Designs
Here is a list of some of the designs and styles of bird baths that you will see on the market:
Ground – These types of bird baths are your basic design, which are simply basins that rest on the ground. Some of them are made from very basic designs, while more elaborate ones feature fountains and other intricate designs. These types of bird baths are more suitable for larger birds that may visit, such as ducks or quail.
Pedestal – These bird baths have a pedestal that elevates the water basin from the ground. These are rather simple to assemble and install, and are the most popular design. Because of their popularity, they come in a very wide variety of styles and designs.
Hanging – These bird baths designs feature a shallow basin that is suspended from a rope or chain, and are usually hung from a tree branch, garden hook or gutter. These usually have a smaller water capacity, and are generally less expensive than pedestal models.
Fountain – These are great choices for bird baths as birds are attracted to the moving water that the fountain provides. They are also very pretty and serene, and create a wonderful atmosphere in the backyard. These models are usually more expensive than the pedestal models.
Heated – For those who live in colder climates who want to have their bird bath accessible by birds year-round, heated bird bath models may be the right choice. These bird baths feature a heater that keeps the water from freezing over during the winter months, allowing birds to enjoy the bath throughout the year.
Solar – These bird baths use solar panels to heat the bath water, or to provide the energy necessary to keep a fountain bird bath model functioning and moving the water. These solar panels can be removed if necessary. These models are generally quite expensive, but are highly dynamic types of bird baths for any garden.
For an idea of where to find various styles of bird baths on the market, see our buying guide below:
Where to Buy Bird Baths For Your Garden
This attractive Bird Scene 280 Flower Pot Bird Bath Box can be planted directly in the pot or left in the grow pot and placed inside. The flower pot is removable to provide easy emptying of the water from the bird bath. This stone colored bird bath is available at Amazon.com for $37.55.
Turn your flower garden into a peaceful resting place for bathing birds with this Fluted Bird Bath. This model is a classically styled bird bath constructed out of durable, marble-filled resin. The wide bowl and pedestal feature a classic fluted pattern that will beautify your garden's landscape. The antique textured finish resembles an aged stone bath from a European garden, which provides elegance and timeless charm. This model is cast in a crushed marble-resin composition which will stand the test of time. You can use this bird bath year round, as the material is weather-resistant and will not crack under extreme temperatures. This bird bath is lightweight, making it easy to move from one spot to another. Buy this Fluted Bird Bath for $99.99 at BirdBaths.com.
This great Worldwide Sourcing Tortolla Bird Bath costs $88 at Sears. This lovely design will be sure to both enhance your garden's esthetics as well as provide a serene place for birds to bathe.
This Allied Precison Non Heated Birdbath With Water Wiggler includes an "octagon type" bowl with a pedestal that can easily be filled with rocks or sand for stability. This model also includes a water wiggler, which moves the water for birds to see it and notice it, and prevents mosquitoes from laying eggs in the bath. Buy yours today for $49 at Menards.com.
This Createk Stone Pedestal Bird Bath One looks like real granite stone, and resists chipping and fading over the years when placed outside. Birds will love bathing in this bird bath, which also doubles as a lovely decorative piece for any garden. Buy it for $198 at TJB Inc.
Buying Your Bird Bath Based on Your Budget
There are so many bird bath models to choose from, and deciding on the style and design is one of the most important factors to consider. However, ultimately the choice of bird baths to purchase will come down to the cost. The good news is that there is a bird bath on the market that will suit just about any budget. Understanding the various types of bird baths available on the market can help gardeners select the perfect bird bath for their personality, garden design and budget, while still providing a wonderful water source for all visiting birds.


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Everyone is now trying to eat more natural and take things that are natural. I have to admit that I have not totally jumped on that bandwagon yet, but I am looking more into it. Natural seems to be the way to go and better for you, right?
Bio Terra is a new herbal supplement company that focuses on natural, vegan and clean products.
I recently got to try the Ahhh Detox and there are two ways you can use this. You can take two pills daily after a meal as a daily supplement, yes, it is that gentle you are able to do this. Or, you can do a cleanse, like after a chocolate binge, Holiday feasts or just to rid your body of built up toxins over time. I definitely do not recommend doing the cleanse if you are going camping, on a hike or going on a long trip. To do the cleanse, take four capsules after a meal for two days. Yes, only two days and you don't have to change your diet for two weeks and be miserable for that long. I don't know about you, but this kind of cleanse sounds much better than two weeks of torture. Not only for yourself, but think of others around you, they would appreciate the two days as well!
So, what is in it? Here is a list of the natural ingredients:
I opted to do the two day cleanse, and it really cleans you out! I definitely recommend you try this if you are looking for a natural herb to help you.
You can find out more on the Bio Terra Website.
Please check with health professionals before you try our products (especially if you are taking other medications). If you have any allergies related to these herbs or other plant families please be cautious! It is best to discontinue use if you observe unwanted effects or reactions.
I received one or more of the products mentioned above for free using Tomoson.com. Regardless, I only recommend products or services I use personally and believe will be good for my readers.


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Featured in Episodes:
#017 SModCo SMorning Show #017: Thursday June 2, 2011Jun 2, 2011 - Jen versus Ralphs. Kevin and Jen discuss high school students banned from attending graduation because of a star wars inspired fight in the cafeteria. Vampire Diaries Exec-Producer Julie Plec joins Plus One Per Diem in-studio.


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Application Information
Scholarship Overview
This scholarship is for graduating seniors from East Aurora or West Aurora High Schools in Aurora, Illinois. To qualify for this scholarship, applicants must attend a state-supported college or university within the State of Illinois.
How easy is it to apply?
Not too bad
This scholarship's application process may have items such as essays that could take a couple hours.
How much competition is there?
Relatively little!
This scholarship has a relatively low number of applicants.
Class Year: Is this you?
- High school senior
Home State: Is this you?
- Illinois
High School: Is this you?
- Aurora Central Catholic High School
- East Aurora High School
- East High School
- West Aurora High School
More Requirements:
Must attend a state-supported college or university within the State of Illinois.


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Tresco by Rev-A-Shelf 12VDC 60W Wall Dimmable Hardwire Transformer
Weekly Deal: $136.32
List Price: $239.70, You Save: 43%, No Sales Tax, Except CT
Product Reviews
The Wall Dimmable Hardwire Transformer by Tresco by Rev-A-Shelf is a magnetic transformer with 12VDC and 60 watts. The transformer is cETLus listed and is class 2 with a manual reset and a circuit breaker on the secondary.
(W = side to side) (D = front to back) (H = top to bottom)
2-5/8"W x 6"D x 2-1/4"H
Ship Method:


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Admittedly, £120,000 is a lot of money for a Jaguar XJ, but this is the range-topping Ultimate model – complete with iPads and a champagne chiller, among all kinds of other luxuries.
And it's not an unusual price for this type of car – the Porsche Panamera Turbo S costs a little more and the Mercedes S63 AMG a little less. They offer similar performance, boasting 0-62mph times of less than five seconds.
But the XJ Ultimate has a level of gadgetry unmatched by rivals. Unlike most cars, the first place you'll want to sit in the Ultimate is in the back. The sculpted, electrically adjustable massage seats are the pinnacle of comfort, plus they're heated and cooled. On top of the regular entertainment screens built into the headrests that allow passengers to watch TV or DVDs, there are two iPads that automatically charge when the ignition is turned on.
In between the rear seats is a champagne chiller that will keep your bubbly at a cool seven degrees Celsius, and a gloss-black table that lifts at the touch of a button. Hidden underneath that are two bespoke champagne glasses. The herringbone wood trim on the door panels is unique to the Ultimate, too.
At first glance, there doesn't seem to be too many changes to the exterior, but the 20-inch wheels fitted to this car aren't available anywhere else in the range. The large chrome oval exhausts and chrome-rimmed air intakes are giveaways, too – not to mention Ultimate badges at the rear and in the side vents.
One change you can't see, but may notice, is a subtle tweaking of the suspension. This update aims to improve ride comfort for rear passengers, and there's definitely a more luxurious waftiness to this car's ride when compared to the slightly stiffer set-up of standard XJ models.
And what could be more 'Ultimate' than having Jaguar's 503bhp 5.0-litre supercharged V8 engine under the bonnet? It offers serious performance, but the engine's effortlessness and refinement are what impresses the most. Just a brief prod of the throttle will see you blast past slower moving traffic instantly. A subdued roar from the exhausts, plus a hint of supercharger whine under acceleration, only adds to the car's sense of drama.
It's the perfect engine for the ultimate incarnation of the XJ, but Jaguar plans to offer this car with its new 3.0-litre supercharged V6 petrol engine at a later date. That will help reduce the Ultimate's high running costs, which include 24.4mpg claimed fuel economy and a £1,000 first-year tax bill.
It should also knock a bit off our car's £121,980 price tag. But it won't be the 'Ultimate' XJ, will it?
Lovely as the XJ is I cannot but think what else can be got for the same price. Make mine a used Bentley Arnage or Flying Spur pls.
Gentlemen, who is it a 'hefty price' for if it is also 'good value' in its chosen segment?? Hmm :-) Jaguar has a way to go yet. Oval exhausts are no more than tizz or bling. Absolutely appropriate was the way the beautiful chromed twin pipes on a 3.8 MkII exited the car. Engineered, not styled. I think so-called stylists are actually dreaded and ruinous bean-counters in drag. And my all-time pet hate of new Jaguars....having the leaper, leaping sideways. Off the steering wheel boss, off the bum of the car, sideways out of the instrument binnacle. Dumb!! It used to be a serious design element, and leapt only ever off the front of the car. How tradition gets trashed, in the name of what for goodness sake.


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|Candy Samples
April 12, 1940
Kansas City, Missouri, USA
|Other names
|Vivian Andresen, Mary Gavin, Lydia Chase, Mary Garvin, Mary Wendover
|5 ft 4 in (1.63 m)[1]
|121 lb (55 kg)[1]
|No. of adult films
|40+ (per IAFD)[1]
Candy Samples (born April 12, 1940 in Kansas City, Missouri) is an American pornographic actress and exotic dancer.
According to her website, Samples was approached while in Marina Del Rey, California to do pin-up modeling. During the course of the 1960s, she appeared in numerous black and white magazines in "cheesecake" poses.
Over the years, Samples performed as an exotic dancer. She appeared in numerous men's soft-core publications, including Juggs and Gent.
In addition to appearing in pornographic movies, she also appeared in some B-movie campy roles, including the 1974 science fiction spoof Flesh Gordon. She also appeared in the 1979 Russ Meyer satirical sexploitation film Beneath the Valley of the Ultra-Vixens. She wore different wigs in almost all her movie appearances.
In 1979, she performed with John Holmes, Johnny Keyes, Serena, Uschi Digard, Kitten Natividad, and Kelly Stewart in the pornographic film John Holmes and the All-Star Sex Queens from Zane Entertainment Group. In those same years, she also took part in some "sexy wrestling" short-footage films too, mainly for Triumph Studios and Ron Dvorkin's Bellstone.
|This article about a pornographic actor or actress is a stub. You can help Wikipedia by expanding it.


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Icom IC-F43GS manual download
Name of device: Icom IC-F43gs - Instruction Manual
Manufacturer: Icom
File size: 1.1 MB
Document type: User guide, user manual
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