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Retail Banking Services
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A Manager of a Customer Experience Team.
A Deposits and Transactions Acquisition Marketing Manager.
A Retail Customer Pricing General Manager.
Who we are
Retail Banking Services (RBS) is the Commonwealth Bank's largest business division.
We are focused on meeting the financial needs of personal and small business customers who are looking for accessible and affordable banking and financial services.
We are organised into four key areas:
Are you ready for an exciting and dynamic new career? Great! Where to from here?
We seek people with determination, passion and a natural inclination to help others.
We offer a wide selection of world-class products for both our personal and business customers. This includes:
Business products
How our people help in developing our products
In Retail Banking Services, we reward and encourage creativity. A new product or product enhancement idea can come from anyone within the organisation. We simply strive to create products that will provide better benefits for our customers.
How we approach new products
In developing new products, we review our customers' needs, the market, domestic and overseas trends and competitor threats, and then implement business strategies based on findings to achieve and maintain market leadership. In doing so, we gather information from our key stakeholders, partners and suppliers in order to manage product development.
Why join us
Inside the Retail Banking Services team at Commonwealth Bank, you'll find a passionate, motivated and enthusiastic group of people who genuinely enjoy helping others. We employ over 18,000 people, located all over Australia, and the majority work in local branches.
The head of our team is Group Executive, Matt Comyn – and he is personally committed to ensuring our team is empowered and accountable, motivated, valued and supported – every day.
Below are a few great reasons to choose us and of course, we also offer you great remuneration packages, flexible working conditions and much more!
We recognise the crucial role that training and development play in helping you grow – as well as in improving how we operate as a business.
We believe that with the right assistance you will be able to expand your knowledge and skills, provide better customer service, take on new challenges and get more enjoyment out of what you do on a daily basis.
As a business, training our people also helps us work towards our goal of being number one in customer service.
Types of training we offer
We offer you several types of training and development opportunities, including:
Did you know the Commonwealth Bank operates the largest financial services distribution network in the country?
We have:
Locations map
Check out our locations map to see where we are.
What this means
While this prevalence means our customers can find us easily and conveniently, it also benefits our people. It means you can often work in the communities that you call your own. We also offer you the chance to transfer to Bank locations that meet your personal requirements.
Room to move
We value the life and commitments that you have outside of work –so we do whatever we can to create a flexible working environment. This includes the option of working from alternative locations on a permanent, regular or ad-hoc basis.
This flexibility can be benefited due to personal reasons, such as working closer to home to reduce travel time. However, we also give you the option of working from different locations so as to spend more time with key customers or experience a different environment.
With over 1,000 branches across Australia, there's plenty of room for you to work where it suits you.
A career at the Commonwealth Bank comes with more than just fantastic stability, opportunities and career growth.
You also receive several other important benefits – all of which help make your time with us more rewarding and enriching.
These include:
Competitive pay and rewards
As well as competitive salaries, superannuation and salary packaging options, many positions offer performance incentives and participation in annual share grants.
Flexible work options
We respect that you have an important life outside of work – with various commitments and obligations. As such, we offer a range of flexible work arrangements that help you juggle work and personal circumstances. This could include working part-time, altering start and finish times, or accessing one of the many leave options – such as carer's leave, personal illness leave, purchased leave, parental leave at full pay, half pay or a combination of both, career break and leave without pay.
Care, health and well being
We also offer support and information services, child-care, nursing mothers' retreats, health checks, flu vaccinations, parenting workshops and health seminars.
Private health insurance
We offer you and your immediate family a variety of health cover options with competitive rates and generous benefits to suit any stage of your life.
Dedicated Employee Banking Specialists
Who offer lower interest rates on most banking products, bonus interest on investments such as term deposits and reduced or nil account transaction fees on many products.
Discounts and deals through our ibuy site
This includes lifestyle benefits such as holiday discounts on hotels, car hire and airfares and deals on computers, entertainment and fitness.
Employee Assistance Program
A professional, confidential counseling service for employees and their immediate families.
Corporate clothing
From the Lisa Ho Corporate Collection. Customer-facing staff in our Retail Network are provided with a free 'starter's pack' and an annual corporate clothing allocation.
Employee Share Acquisition Plan
Whenever annual profit exceeds expectations, the Board may use its discretion in determining whether a grant of shares will be made. Eligible employees are provided the opportunity to receive free grants of up to $1,000 in Bank shares subject to a performance target being met.
When you work in our team, it's rewarding to know you're part of a business that's continually recognised for its excellence. In fact, we are Australia's best bank.
In the 2010/2011, our Bank had a huge range of service improvements and product innovation – acknowledged by several exciting awards. This includes:
Our people make it happen
Our fantastic reputation in the marketplace is no accident. We couldn't have come this far without the hard work and dedication of our people. At all levels of our business, our people have made a personal commitment to uphold our brand and promise and to deliver superior customer service each and every time.
Recognising personal achievement
In 1996, we introduced the Employee Share Acquisition Plan to recognise and reward our people. Under this plan, eligible employees have the opportunity to receive free grants of up to $1000 in Commonwealth Bank shares subject to their performance target being met. This means our people personally benefit from the Bank's overall success and are truly recognised for their commitment.
In Retail Banking Services, we are extremely passionate about helping you fulfil your potential – and enjoy solid, long-term career opportunities.
We are always striving to improve our training and development offering, so as to help you continually grow your career and get genuine enjoyment out of what you do on a daily basis.
How we do this
We offer a huge range of benefits to help you grow your career and become the best you can be. This includes:
Annual Talent Reviews
As well as the above, we also offer annual talent reviews for each and every employee.
Through this review process we identify individuals who have potential to start taking on more complex work or move to more senior positions, and we create tailored development strategies to meet their needs. The process also highlights individuals who will benefit from development in roles at their current level.
Exciting career paths
When it comes to progressing your career, there is a whole world of opportunity at the Commonwealth Bank. Take a look at some real career paths on our interactive careers map.
When you become part of the Retail Banking Services team, you're choosing to work for a business that's leading the way in terms of technology, processes and systems.
A great example of this is our Core Banking Modernisation Program.
About the Core Banking Modernisation Program
In 2008 this program was introduced right throughout the Bank - in keeping with our goal of being Australia's finest financial services organisation.
This program is about modernising our core banking processes and systems and introducing a world-class technology platform. It aims to enhance the way we provide services to our customers, and the way we do business.
The program allows us to provide the best service possible, and ensures processes and operations are simple and easy. Essentially, this leaves more time for us to do what we do best: focus on helping our customers.
While aspects of the program are still being rolled out, we have already implemented its real-time processing component. This innovation has already allowed our people to provide better, faster service.
Leading the way
Though the Commonwealth Bank already leads the industry in many areas, this program is set to further strengthen our competitive position. In fact, we are the first of the major banks to make such a significant improvement to our technology platform.
So when you choose Commonwealth Bank, you can be confident that you're choosing a business that's determined to lead the way.
Our people
There is a whole world of career opportunity available within the Retail Banking Services division of the Commonwealth Bank. Employing over 18,000 people, we offer a huge variety of careers – all of which require quite diverse skills and knowledge.
Plus, when you join our team, we do everything we can to help you progress and grow – and to pursue new opportunities that match your interests and abilities.
Before joining the Bank, Narin had no specific banking experience. However, a background in retail gave her a valuable understanding of working in a team environment and in serving customers. This experience, combined with her dedication and outgoing personality, saw her promoted from her initial role as Customer Service Representative just four months after joining the Bank. She is now a Customer Service Specialist - a position that involves opening new accounts for customers, and recommending products to help them save and make money.
Before joining the Commonwealth Bank three years ago, Jessica had only ever worked in retail. Since becoming part of the Bank, she has worked incredibly hard to develop her skills, had several promotions and now manages a team of 15 people. Jessica is responsible for supporting, training and coaching her staff to help them identify and fulfil customers' needs. She also provides rewards and positive recognition to employees who achieve great results. She believes the Bank offers 'huge opportunities for career development'.
Ali manages ninety people, helps hundreds of customers, and says his team is one of the main reasons he loves coming to work every day. Working in the retail and hospitality industries before joining the Bank had made Ali realise he enjoyed customer service – and so he applied for a job as a Commonwealth Bank Customer Service Representative at his local branch. That was ten years ago and Ali hasn't looked back. His dedication, innate talent for sales, and friendly personality have seen him progress from Customer Service Representative to Branch Manager, then Team Leader and most recently, Contact Centre Manager.
Previous experience working in the hospitality industry gave Kristi a great background in customer service, something she is definitely now able to call on in her current position as a Customer Service Representative. On a day-to-day basis, Kristi helps customers with their enquiries over the phone. This involves having an in-depth knowledge of the Bank's full suite of products and services.
Leanne started with the Commonwealth Bank 16 years ago as a Customer Service Representative. When she joined, she had no banking experience however had worked in a few 'office type' roles. While at the Bank she has enjoyed huge career growth and development. On a day-to-day basis, Leanne now leads and supports a growing team. An important part of her job involves looking for ways to improve their levels of customer service and helping her staff be the very best operators they can be.
While lots of people claim their job is all about getting results, Chris' job really is. He spends his days researching exactly how customers feel about the most recent service they received from the Bank – and uses the information to provide reports, ideas, enhancements and support to staff. The information he gathers is also used to determine the bonus that staff can receive every six months.
When Raj joined the Bank seven years ago, he was in the process of completing a Bachelor's degree in Management and Economics. Since completing his degree, he has enjoyed several promotions and worked at four different branches. Raj now spends his days looking after the individual branches that are within the Sydney CBD area. He is also responsible for ensuring quality control within the area, being a role mod and driving exceptional service experiences at the branches.
Will Sikahele is a Mobile Banker. This means that he travels around his local area – meeting with customers in the places that are the most convenient for them. He arranges housing loans and a range of other products, based on customers' specific needs. Before joining the Commonwealth Bank, he didn't actually have any experience or qualifications. Since, he has been promoted three times – and he now enjoys a job that provides him with great flexibility, and the chance to meet fantastic people on a daily basis.
Stephanie has been employed by the Bank for almost six years and joined immediately after finishing her Higher School Certificate. Since, her career growth has been fast-paced and impressive. Having started out as a Customer Service Specialist, she now works as a Lender Proficiency and Accreditation Coach. This involves helping the Bank's lenders get the skills and knowledge they need, achieve the best possible outcomes for customers, and provide service that's 'ten out of ten'.
This was Adam's first job after leaving school. Since starting out as a Collections Officer, he has been promoted six times – and now leads a team of eight Team Managers in the Collections area. Not long after joining the Bank, Adam's incredible performance saw him win the Bank's Direct Channel's "Reach for the Summit" award, which involved an all-expenses-paid trip to New Zealand.
Matthew has been working at the Commonwealth Bank for eight years and before joining the team, worked in insurance broking. He joined as part of the Bank's graduate program. Impressively, he's had eight roles in eight years and has shared in a range of team awards in that time. On a day-to-day basis, Matt supports the branches and branch managers and helps them to do great things every day.
Corey has been working for the Bank for 16 years and joined just two days after finishing his Higher School Certificate. It was his first job. Since, Corey has gone from strength to strength. He originally joined as a Customer Service Representative in a local branch and has progressed through the ranks to become a Customer Service Officer and Supervisor before assuming managerial roles. Today, he works in the head office and manages various aspects of the Bank's retail property network.
James joined the Bank as a General Service agent within the Direct Banking division. He had a few promotions before transferring into his current role as Operations Support Officer. Now, he is somewhat of a 'go-to guy' for employees within the Direct Banking division. He helps ensure the leaders and managers of the division have the tools and assistance they need to run their businesses. This includes everything from providing complex admin to IT support, to organising taxis, running general ledger reports and managing property repair requests.
For over ten years, Rebecca has been working in customer service oriented roles within the Bank. She has managed five different branches and currently looks after over twenty staff. On a daily basis, she leads, coaches and manages her team to help them achieve their weekly targets. 'Every week is a new opportunity to prove yourself, to set a challenge for yourself and for your team to exceed customer expectations', she says.
Jenny is proof of the extensive career opportunities and growth offered by the Commonwealth Bank. Having started out working as a Personal Leader close to 16 years ago, Jenny had had several different roles and promotions. In her current role, she supports the branches and banking sites with the sale of home loans and insurance and also looks after the Bank's home loan referral program.
Career paths
If you have a natural talent for sales and love helping customers, a career in our sales team could be for you.
Our sales function is divided into three key areas:
Working together for one common goal: customer satisfaction.
To deliver the best results for our customers, it's vital that we all work together as a business. For this reason, our Retail Banking Services team also enjoys dedicated support from our Finance, Risk Management, Marketing and Human Resources teams.
If you love the idea of working 'behind the scenes' to help our people deliver exceptional customer service, then a career in our support area could be a great match for you
Our support divisions include:
To deliver the best results for our customers, it's vital that we all work together as a business. For this reason, our Retail Banking Services team also enjoys dedicated support from our Finance, Risk Management, Marketing and Human Resources teams.
Use our Interactive Career Path to see where you could go with Retail Banking Services.
Take our Entry Level Challenge to see if you're a good match for our team.
Selection process
What can you expect when you apply for a job with us?
Here at the Commonwealth Bank, we try to provide you with a very fair, reliable and engaging experience when you apply for a job with us.
We want to give you as much information as we can about what it's like to work with us – and we also need to find out whether your specific skills, experience and personality make you a perfect match for our business.
What's involved
Depending upon the role that you apply for, you may be invited to complete a range of different assessments. This may include:
For entry-level roles:
For more experienced roles:
No matter which role you apply for, we will look after you throughout the recruitment process, letting you know what the next step is and always giving you time to prepare. We have attempted to balance the quality of information we need with your experience completing the assessments and the time we ask you to commit.
Tips for success
Absorb what information you can about the role and whether or not it suits you. The simulations are there to give you a preview of what the real job will be like.
© 2014 Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945


text:
|Optimizing working-space in laparoscopy: measuring the effect of mechanical bowel preparation in a porcine model.
MedLine Citation:
|PMID: 23319284 Owner: NLM Status: Publisher
|BACKGROUND: Adequate working space is a prerequisite for safe and efficient minimal access surgery. No objective data exist in literature about the effect of mechanical bowel preparation (MBP) on working space in laparoscopic surgery. We objectively measured this effect with computed tomography in a porcine laparoscopy model. METHODS: Using standardized anesthesia, twelve 20-kg pigs without MBP and eight 20-kg pigs with MBP were studied with computed tomography at intra-abdominal pressure (IAP) levels of 0, 5, 10, and 15 mmHg. Volumes and dimensions of the pneumoperitoneum were measured on reconstructed CT images and compared between the pigs with and those without MBP. RESULTS: A reproducible and statistically significant increase of approximately 500 ml in pneumoperitoneum volume was found in the MBP group at all levels of IAP. This represents a 43 % relative increase at a pneumoperitoneum pressure of 5 mmHg, 21 % at IAP 10 mmHg, and 18 % at IAP 15 mmHg. Peak inspiratory pressure was lower at IAP 0 and 5 mmHg in the MBP group. Anteroposterior diameter in the group with MBP was lower at 0 mmHg, but abdominal dimensions were similar in both groups at all other IAPs. This shows that the gain in working space is due to a diminished volume of the intra-abdominal content and not to compression or displacement of the bowel. CONCLUSIONS: MBP increases working space by reducing bowel content. Especially at low intra-abdominal working pressures, the increase in working space associated with MBP could represent an important benefit in challenging laparoscopic surgery.
|John Vlot; Juliette C Slieker; René Wijnen; Johan F Lange; Klaas N M A Bax
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Publication Detail:
|Type: JOURNAL ARTICLE Date: 2013-1-15
Journal Detail:
|Title: Surgical endoscopy Volume: - ISSN: 1432-2218 ISO Abbreviation: Surg Endosc Publication Date: 2013 Jan
Date Detail:
|Created Date: 2013-1-15 Completed Date: - Revised Date: -
Medline Journal Info:
|Nlm Unique ID: 8806653 Medline TA: Surg Endosc Country: -
Other Details:
|Languages: ENG Pagination: - Citation Subset: -
|Department of Pediatric Surgery, Erasmus MC: University Medical Center Rotterdam, P.O. Box 2060, 3000 CB, Rotterdam, The Netherlands, firstname.lastname@example.com.
Export Citation:
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|MeSH Terms
From MEDLINE®/PubMed®, a database of the U.S. National Library of Medicine
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subset: commoncrawl


text:
To create an unusual decorating effect, try using brown paper bags in place of traditional wallpaper. This is a guide about the brown paper bag wallpaper technique.
Read and rate the best solutions below by giving them a "thumbs up".
I live in an old home and many times the plastered walls have cracks in them. Here is an alternative if the cracks keep showing up soon after you paint. I "papered" my walls in brown paper and rosin paper that have been painted.
I wanted to go with a copper theme and have always wanted an elegant bathroom so I took pieces of brown craft paper and tore them into irregular pieces, saving some of the ones with a straight edge for where the ceiling and the wall meet. I then crumpled them all up very hard and then semi smoothed them out so that you could clearly see the wrinkles in them.
I used a sponge brush and brushed on copper leaf paint on some, barely touching the surface of the wrinkles and then used gold spray paint on others. Let them dry (doesn't take long at all) and then apply them with wallpaper paste. The wall should be sized first.
I already have a claw foot tub and my kids inserted a sink into a dresser that I faux painted and applied copper paint stenciling. I had rough plastered walls so the roughness of the walls added to the dimension of the treatment. My curtains are copper colored and I made a shower curtain with some copper color in it and put copper colored beading on the edges. I painted the bottom of my claw foot bathtub brown.
By Elaine from Belle Plaine, IA
The walls in my bathroom were not in super good shape when I bought my 100 year old house, they had the old bumpy type plaster. After several attempts at painting, I finally came upon a solution.
I took both brown craft paper and red rosin paper (both available at home improvement stores) and tore it into uneven pieces, keeping some of them with a straight edge to put at the top of the wall where it met the ceiling. I then took them and crushed them between my hands really good and opened them up again, revealing the wrinkles. At this point smooth them slightly, but not very much.
Then, before I applied it to the wall, I spray painted some gold and used copper leaf paint on others (I bought the copper leaf paint at Wal-mart). I used a foam brush dipped in the copper leaf and very lightly drug it over the creases so it just hit the top of the creases. I let it dry and applied it with wallpaper paste. When it was all done, I applied a coat of water based polyurethane over the top.
I get more compliments on this room than any room in my house. I have a clawfoot tub and a vanity made from dresser. I also have chandeliers in there that adds to the glamor.
By Elaine from IA
Editor's Note: Here is Elaine's dresser vanity:
Do I need to prime the wall first if I am using the brown paper bag technique and do I put anything on top of the bags to seal the wall or coat them like a glaze or something?
Pat from Mansfield, MO
Give a "thumbs up" to the solution that worked the best! Do you have a better solution? Click here to share it!
Here are questions related to Brown Paper Bag Wallpaper Technique.
I am currently looking to brown paper bag the walls in my living room. Can you tell me if you can do this procedure over existing wallpaper?
Julie from Cameron, TX
AnswerWas this interesting? Yes No
I used this technique in my entry. There were over 4 layers of old wallpaper. I chose to remove because they were lifting. If your wallpaper is in good shape, it should be ok. But I'd suggest sizing it first.
I want to do the brown bag wallpaper treatment on my wall. Can I use wrapping paper instead?
By Cindy
AnswerWas this interesting? Yes No
By Elaine S. 39 243 11/11/2011
Sorry, I thought you meant craft paper not wrapping paper. I got mine at Walmart but I think the $1 stores have it too.
Can you use construction paper or even a wallpaper picked up at a thrift store for brown bag wall treatment? I can't find colored paper, only mauve and brown. I want green. What bond paper is acceptable.
Also, it was mentioned about Draw Tite. I can't find it anywhere and the address given is non existent. I do however see that others have found it. I have five cats and a parrot and need to know if the Draw Tite is odorless. Also there is another product called Gripper. Anyone familiar with that? If so is it comparable to the Draw-Tite?
I am also confused (normally lol) about the edges? Do I overlap around the corner? I know I will have a zillion more questions, but for now, please help.
By Kali from RI
AnswerWas this interesting? Yes No
Hi Laniegirl,
I have been in awe of the work you did on this wall. Actually by accident I clicked on the wrong thing when I was saving it to my pics and it is now the background on my computer. lol.
LG, How did you do this wall? I mean it looks so beautiful and I am wondering how you knew where to put certain colored paper. Did you spray paint some of them? Gosh this is so exciting. I have everything I need. Only thing is that after searching for days and miles I had to settle for an equivalent of the GH 34. I hated to do it but had no choice. Are there recommendations for the way you did this?
Do you put the paste on one side or both sides of the paper?
By Juanita T. from Junction City, AR
AnswerWas this interesting? Yes No
By Louise B. 6 2,525 04/01/2014
You would only put paste on one side, so it would stick to the wall.
We are replacing the shower, shower walls, and floor in one of our bathrooms. Looking around it is going to cost more for the shower walls than the oversized tub/shower we want, because of the odd size. I am wondering if the paper bag wallpaper is water tight enough to be used "in the shower" as the walls. I want to do the floors that way also. So, I guess what I'm asking is, can I do the floor and the walls "inside" the shower, without danger of water damage?
By Angie from Modesto, CA
AnswerWas this interesting? Yes No
I covered one of my kid's room walls with brown kraft paper. Though it looks good, since it is a kid's room (boys), something looks missing. The curtains in the room are of a dark green color with gold leaves. Can someone please suggest what can be added to this wall to make it look good of a boy's room.
By R from India
AnswerWas this interesting? Yes No
By cybergrannie 32 882 03/06/2014
Hi - it would be very helpful if you could add a couple of photos.
I bought my home with one of the bathrooms done in brown paper bag; I love it. But above the shower it got wet and part of it is coming up, how do I fix it? And how can I clean a spot on the wall?
By Tina P. from KY
I just wanted the most up-to-date information and instructions for the brown paper bag wall treatment. I have walls that have groves, dips, and I don't want to hassle with all the drywall stuff. I think this is an awesome way to make your walls look like they were done by a pro, and very expensive. Thanks in advance for your help!
By Marjorie
I did my office walls using this technique (brown paper bag wallpaper) two days ago. What do you suggest as far as using as a stain to give it more depth and also, (the biggest question) what do you seal it with? You mentioned thinned varnish. What do you thin your varnish with? My walls look great so far, but they really need to be finished. Thanks so much!
By Carrie
Thrifty Fun has been around so long that many of our pages have been reset several times. Archives are older versions of the page and the comments that were provided then.
Makes it look like a leather or suede look. It's fantastic and if there is a spill or a piece is damaged later you can just add a piece.


text:
Hi, Tech Support.
I have a problem when choosing Sublime as the default program for, HTML, XML, PHP, etc... files...
When I right click any file and choose Properties and then Change... then I press Browse... and I locate the Sublime executable file.
The sublime_text file which I located in: C:\Program Files\Sublime Text 2 I select that, then nothing happens, the program doesn't show up in the list...
I've tried to re-install in and it won't help, I've tried both the final version and the beta version.
This would make my day a lot easier, hope to get respond soon
- Remi


text:
Chargers 27, Bills 24 [7:55 PM]
AP reports: '"I thought he played the best game he's ever had," Wilson said. "We just came out on the short end. I am not going to second-guess anything."'
San Diego 27, Buffalo 24 [7:54 PM]
Sportsticker reports: 'After the game as the players were shaking hands, Flutie looked toward the Buffalo sideline, but Johnson raced into the dressing room. "We just don't get along personally and I respect him as a player and that's it," Johnson said. "I saw him before the game and just gave him a what's up."'
Writer Was Surprised by Flutie's Smallness [10:20 AM]
Los Angeles Times reports: 'Bucky Gleason of the Buffalo News has some harsh things to say about Doug Flutie, the former Bills' quarterback, now playing for the San Diego Chargers.'
Hype gives way to Bolts-Bills battle [10:12 AM]
North County Times reports: 'Now comes the Bills, who on the surface look as dangerous as a domestic cat. But considering all that's riding on this game, their claws will be sharpened.'
Bills draw blueprint to make Flutie stretch [9:45 AM]
Buffalo News reports: 'The blueprint for defending the 4-2 Chargers is no secret: Keep rookie back LaDainian Tomlinson in check; keep Flutie in the pocket by having the defensive ends stay in their rush lanes; make Flutie try to beat the defense with throws to the sideline and deep down the field.'
The goal standard [9:44 AM]
Buffalo News reports: 'The list is scribbled toward the back of the notebook he uses for scouting opposing players. The rookie cornerback opens it daily, making sure he's keeping an eye on receivers around the league while keeping tabs on himself. It reads: 1. Improve every day...2. Be the best defensive back in the league...3. Lead the league in interceptions...4. Defensive rookie of the year...5. Pro Bowl..6. Best kickoff and punt returner...7. The word "can't" is not an option for me.'
Parker and Ellis have their own Buffalo connections [9:42 AM]
Buffalo News reports: 'They are two guys with strong ties to Buffalo. But any feelings Vaughan Parker and Ed Ellis have for the Queen City will be put aside today. Parker and Ellis are offensive linemen for the San Diego Chargers, who host the Buffalo Bills in Qualcomm Stadium. "I grew up in Buffalo, so I was a big Bills fan," Parker said. "I still want them to do well...when we're not playing them."'
Bills-Chargers: It's a whole new ballgame [9:40 AM]
Buffalo News reports: 'But Wilson and Butler won't be able to carry their bitterness onto the field. The players will, though.'
Wilson gave aid, comfort to Chargers [9:39 AM]
Buffalo News reports: 'A whole lot of talking has been going on in the past week, though. Chargers linebacker Sam Rogers, yet another transplanted Bill, said today's game will be "very, very personal." He said they want to beat Buffalo for Butler in the same way they wanted to beat Washington for Norv Turner, their offensive coordinator.'
Bills need to see another good game from Johnson [9:38 AM]
Buffalo News reports: 'Doug did a con job with the media this week, lavishing praise on Buffalo's cornerbacks, Antoine Winfield and rookie Nate Clements. Yes, they're good, but Flutie's wide receivers, Jeff Graham and Curtis Conway, are big and have long experience.'
Bills-Bolts not a game; it's a made-for-TV soap [9:06 AM]
San Diego Union Tribune reports: 'Even so, the Chargers don't believe they will fall today. Rogers said publicly during the week that the Chargers should win by 10 points, which surely made the worrisome Butler cringe. He is an old-school guy who doesn't like providing bulletin board material to opponents, which is why he has told writers he plans to remain silent until after the game.'
Flutie-Johnson debate won't end today [7:14 AM]
Olean Times Herald reports: 'The reality of it is, the controversy isn't going to go away. Either Doug Flutie or Rob Johnson could put up huge numbers this afternoon at Qualcomm Stadium and the question of which of them should be the Buffalo Bills' quarterback would still rage on. And remain ugly.'
Flutie or Johnson? Move on, people [7:13 AM]
Toronto Star reports: 'This has a chance to sound really silly again about 7 tonight, but why would the Buffalo Bills have done things any differently? When it came to making a choice between Doug Flutie and Rob Johnson, a 39-year-old against a 28-year-old for a rebuilding team, what choice was there?'
Johnson versus Flutie [5:57 AM]
Toronto Sun reports: '"You never really got the feeling that they were going to hit each other, nothing like that," said Holecek, who like Flutie is now a member of the San Diego Chargers. "But you had to think maybe they wanted to."'
QB battle isn't the only story [5:56 AM]
Toronto Sun reports: 'Expect the Bills to stack the line of scrimmage and try to stuff the TCU grad much like the Denver Broncos did last week when Tomlinson mustered just 58 yards on the ground.'
Battle of Bills becomes Super Bowl for Buffalo [5:54 AM]
Indianapolis Star reports: '"If people don't think after this chronology that Butler didn't have any intention of extending his deal with the Bills," Wilson said, "then they think people don't drink beer in Munich."'
Flutie, Rob can settle it on the field [5:34 AM]
New York Daily News reports: 'Did the Bills make the right choice? Long-term, yes. Short-term, no.'
Atmosphere is charges [5:32 AM]
Boston Globe reports: 'After listening to this all week, I began to wonder whether anyone in Buffalo or San Diego besides Marcellus Wiley was ever told the story of Pinocchio, because if it still applies, there's no facemask thick enough to keep the noses of most of the people involved in this game from poking each other in the eye.'
Super Bowl XXXV 1/2 [5:24 AM]
D and C reports: 'He'll never say it publicly, but does anyone really doubt that Johnson isn't frothing at the mouth to beat the Chargers and Flutie, his arch enemy who he spent the previous three seasons sparring with in Buffalo?'
Butler, Smith happy in new environment [5:23 AM]
D and C reports: '"When you're told that Doug Flutie, after the first mini-camp, is terrible and send him back to Canada, you fight those battles. When you're told Eric Moulds is a bust, and let's cut our losses, you fight those battles. You fight 'em until you've had enough. The same with Antowain Smith. There's a long, long list of names. I'll give you three, not 43."'
Phillips finds himself on fence again [5:21 AM]
D and C reports: 'So when asked to predict the winner of today's Buffalo-San Diego game, pitting Johnson's Bills against Flutie's Chargers, he politely played it right down the middle. "Shoot, I don't know. I couldn't pick 'em when I was coaching them," Phillips says by phone from Texas, letting out a chuckle. "I just don't think you can tell. I know and like people on both sides so that's the good thing for me. It doesn't matter who I pull for, one is going to win."'
It's time to bring end to QB quarrel [5:19 AM]
D and C reports: 'I don't know what's been most nauseating about this No-Longer-So-Great Quarterback Debate: Rob Johnson's inability to take the high road in the fray; the fanatics who think Doug can walk on Flutie Flakes without crushing them, or the thin-skinned members of the western New York media who believe Flutie should burn in hell because his huge ego rubbed them the wrong way.'
Scouting report [5:18 AM]
D and C reports: 'Travis Henry and the running game need to give Johnson some help. Johnson isn't good enough to win this game with a one-dimensional passing attack, so he'll need Henry to rip off chunks of yardage on the ground to keep the San Diego defense honest. Rattle Flutie and prevent him from getting into a comfort zone.'
Buffalo Injury report from ESPN [7:49 PM]
ESPN reports: The Bills had a scare Thursday when WR Eric Moulds rolled an ankle, but he returned to practice Friday and was fine. He participated in all of Friday's drills. The Bills are expected to give backup WR Jeremy McDaniel another week to heal from his ankle injury. DE Phil Hansen says he will return after two missed games because of a dislocated elbow. He may not start, but he is expected to play. That will help the Bills run defense against San Diego. Jon Carman will start at right tackle for injured Jonas Jennings,who has a foot injury.
Sore Seau practices, hopeful of playing [10:55 AM]
North County Times reports: 'Bills quarterback Rob Johnson has a big fan in Riley. The two share a special relationship from their days together at USC. Johnson set numerous records there while Riley was the offensive coordinator. "Rob spent about every day in my office," Riley said. "He was a great guy to have around, and I really enjoyed coaching him. He was a heck of a kid."'
Running man [9:09 AM]
Buffalo News reports: 'All Tomlinson has done is resurrect a Chargers' running game that hasn't produced a 1,000-yard rusher since 1994. He is the NFL's fourth-leading rusher with 544 yards - more than any San Diego running back has gained in a season the last two years.'
Butler exhales, then fires back at Wilson [9:08 AM]
Buffalo News reports: 'He insists he had no arrangement in place with San Diego when Wilson fired him before the last game of the regular season in December. And he said it's ludicrous to think any financial decisions were made without Wilson's knowledge and consent.'
Henry pleads guilty, hurts endorsement potential [9:06 AM]
Buffalo News reports: 'Henry was accused of having consensual sex with a 15-year-old girl in his home Sept. 23, authorities said. The girl, a runaway from the Hopevale residential facility for girls whom Henry had met at a Camp Road gas station, told Henry she was almost 18.'
The throwback [9:05 AM]
San Diego Union Tribune reports: '"I came in as a second-round draft choice and I went to three Super Bowls right away," Hansen said. "They (the Bills) have done nothing but treat me well, and I've given them an honest day's work with the talent I've got. It's been a good marriage."'
Seau still sore, uncertain about playing [9:04 AM]
San Diego Union Tribune reports: 'Yesterday's practice was supposed to give linebacker Junior Seau a better idea of whether he'll be able to play tomorrow against Buffalo. But after going through his second practice in as many days, Seau (strained groin) seemed no closer to having an answer.'
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The CERN Foundation just completed a new guide as a resource for patients, caregivers and advocates.


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Incentives by month — 1990 to Present
Doc 101m
CNW's exclusive monthly incentives report shows the complete picture. This document includes the average MSRP for the month, the average incentive from automakers as well as dealers, adjusted transaction prices and other data.
SUV Incentive Levels
Doc 1354
Truck-based SUVs have come under heavy incentive spending. Here's a look at large, medium and small truck-based incentives from cy05 through most recent.
Incentives Impact on Used Sales by Dealers
Doc 1291
A quick comparison of Pontiac dealership and Honda dealership used-vehicle sales as a share of all Pontiac and Honda used sales (any source). It basically shows that there incentives have little if any impact on used sales volumes. Honda's relatively low incentive levels on the new side, but dealer share of Honda used sales has increased. The opposite is true for Pontiac dealers where incentives where incentives have increased on new cars but dealer share of used Pontiac sales has declined.
Importance of Tax Incentives for Hybrid Buyers
Doc 1282
From 2001 through 2007, the importance of government-provided tax incentives in the purchase decision of acquiring a hybrid vehicle. Includes Prius, Accord, Civic, Camry, Lexus and Escape. 10-point scale.
Incentives by Month for Chrysler Group
Doc 1228
A look at Chrysler Group's incentive levels broken down by Jeep, Chrysler and Dodge brands from January 2002 through May 2007.
Incentives by Month Index
Doc 1154
We put the incentive data into a 10-point and 100-point index with September '95 being the base month. Here's what incentives look like over the long haul.
Hybrid Tracking
Doc 1138
A look at June's hybrid inventory, if dealers have particular models in stock, the days' supply for each model, dealer discounts and manufacturer incentives.
Fleet Discounts Over and Above General Incentives
Doc 1070
Here's a look at the discounts automakers and dealers provide to large, corporate, medium and small business fleets over and above the public incentives.
Reasons for Acquisition
Doc 1068
For the years 1980 through most recent, a look at the primary reason for making a new-vehicle acquisition including "Necessary," "New Model," "Incentives" and others.
Primary Reason for New-Vehicle Purchase
Doc 1057
This is based on the Primary Reason Among New-vehicle Buyers from 1990 through current and includes that the current vehicle needs replacement, new model is compelling, incentives, other.
Plan to Use Incentives to "Move Up"
Doc 932
The share of intenders who use their incentive dollars to move up to a higher content model We look at the October figures from 2000 through 2007 and monthly data from 2004 to current.
Motivations for Buying a New Vehicle
Doc 931
What motivates consumers to make an acquisition? Some of the choices include good deals or incentives, need to replace the current vehicle, change of jobs, etc. This is a spreadsheet companion to the PurchasePathOnline.com PowerPoint presentation.
Luxury and Lexus Incentives
Doc 908
A look at total manufacturer incentives and the total luxury segment incentive levels. We've included Lexus as a point of reference. For a small computer fee we can provide similar data for other brands.
Primary Reasons for Buying a New Vehicle
Doc 906
Providing only Price/Incentives, Styling and Fuel Economy as the choices, how do consumers rate the importance in making a new-vehicle selection. We look at each pickup and SUV segment.
Per-Vehicle True Incentive Levels
Doc 887
What is the bottom-line cost of incentives to manufacturer profits? Actually, the profit damage has decreased over the past three years. Here's how and why.
Incentive History by Year
Doc 865
From 1996 through 2003: MSRP, percent discount, total discount in dollars, manufacturer share of total discounts (incentives) and the dollar amount for manufacturer incentives. Also shows the average transaction price after all discounts.
Discounts and Incentives Impact on Resale Values
Doc 852
The nerdy look continues with a sort by market segment.
Discounts and Incentives Impact on Resale Values
Doc 851
A nerdy look at the prospects for current models to hold their resale value over the coming years. Uses a 10-point Index Scale. Shows directional indication that incentives have on resale values.
European Incentives and Vehicle Condition
Doc 837
A look at the incentive threshold (amount consumers expect in terms of discounts) for years 2003 vs. 1998 and the need for the old vehicle to be replaced (same years). We also look at the perception of Japanese product quality and consideration of levels for buying a Japanese car or truck. Compares to U.S. data.
Big Three Incentives
Doc 738
We look at incentives on a monthly basis, but one of the often asked questions is about the "Big Three" dollar amount. For years 1995 through 2003 (mid year), the data.
Discount Expectations
Doc 708
A companion to Document 516, this shows the historic customer expectation for new-vehicle incentives and discount from MSRP.
Used Vehicle Inventory Stock
Doc 658
What impacts franchised and independent dealer decisions on how many vehicles to stock in their used-vehicle inventory? Used-vehicles in stock can be impacted by new-car incentives, volatile local prices and simply a poor selection of trade ins.
Incentives — Asian v Big 3
Doc 624
The different levels of incentives for domestic (Big 3) and Asian brands since 1996 shows a growing gap in the amount being given to customers.
Age of Vehicles Among Purchase Postponers
Doc 584
The age of vehicles that would be traded in by those who enter the buying process and elect to drop out before making an acquisition has gotten younger. Here's data showing at least one reason why incentives are critical to new-vehicle sales levels.
Incentive Effectiveness
Doc 533
How effective are various types of incentives and what impact do those incentives have on on closing ratios? Shows annual comparisons.
Incentives by Dealer, Manufacturer
Doc 515
By month for years 2000 through 2002, the MSRP, Dollar Incentives, Manufacturer Share in dollars and percentage and the actual Transaction Prices for vehicles sold.
Reasons for Buying a Specific Vehicle
Doc 468
Comparing 1990 with 2002, we look at the various reasons people give for selecting a particular make and model ranging from Brand Reputation to Value; from Youth Image to Incentives.
Lease Maintenance Incentives
Doc 450
Would a customer use a dealership's service department for regular maintenance if certain discounts are offered. (Addition to Document 95.)
Incentives by Segment
Doc 433
Shows the average MSRP, Average Discount in dollars and as a percentage of MSRP, Average Transaction Price (dollars and percentage) and the average percentage of the incentives paid for by the manufacturer.
Defections from Leasing as Payment Gap Closes with Financing
Doc 384
As lease residual values rise, lease payments increase. As finance and other incentives climb, financing payments decline. What happens when the gap closes between the two? About a quarter will move from lease to finance.
Light Emission Vehicles
Doc 352
Document shows a breakdown of the incentives offered by state for owning a light-emission vehicle. Includes appropriate web addresses.
Canadian New-Vehicle Market Data — Various
Doc 326
Why Canadians come into the new-vehicle market AND the reasons that they left the new-vehicle market. Compares against U.S. Also shows the number of vehicles on Canadian and U.S. shopping lists, amount of incentives and affordability.
Incentive Distribution
Doc 307
This document shows years 1990 through most recent and how direct and indirect incentives dollars were spent. Various incentive types are listed ranging from rebates to low APR, from one-payment leases to delayed floor planning.
Incentive Summary by Calendar Year
Doc 225
An adjunct to Document 101m showing the annual MSRP, total percent incentives, total dollar incentives per model, manufacturer incentive share and dealer incentive share. Also includes Transaction Price. Years 1970-2005.
Transaction prices for cars, trucks (summary)
Doc 191
Shows car and truck sales and share of sales as well as MSRP for the average car and truck sold, percent manufacturer incentives, amount of incentives and adjusted transaction prices.
Discount from MSRP
Doc 116
The percent of MSRP customers are paying for vehicles (by market segment). Data includes both dealer and manufacturer incentives.
Midsize Nameplate Transaction Prices
Doc 63
What the average MSRP and average Transaction prices were in January-May of this year and all of 1998 for 13 intermediate or mid-range vehicles including GM, Ford, Daimler-Chrysler, Honda and Toyota models. Shows the dollar incentives from the manufacturer and percentage of manufacturer incentives.
Dealer-Manufacturer Incentives for Select Light Trucks
Doc 54
The growth of incentives as a share of MSRP from November 1996 through November 1999 for 10 high-volume SUVs and pickups.


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The Rise of the West During the Sesquicentennial
I've been upfront in my conviction that it is too early to write off the overall impact of the sesquicentennial. We ought to resist drawing uninformed comparisons with the centennial and conclusions based on attendance alone will not get us very far. There are a broad range of factors that need to be taken into consideration. Continue reading →


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Max Dugan Returns
|Release Date: March 25, 1983
|Running Time: 98 mins.
|MPAA Rating: PG
|Genre: Comedy, Drama
Marsha Mason
Donald Sutherland
Matthew Broderick
Dody Goodman
All Cast & Crew >>
Summary:Max Dugan is an elderly ne'er-do-well whose tenuous mob connections have made him persona non grata with his daughter Norma McPhee. Struggling to raise her restless son Michael on her own, Norma is none too pleased when Max returns to the family fold with yet another portfolio of get-rich-quick schemes. Forced to leave town due to the investigative habits of cop Brian Costello, Norma's new boy friend, Max does one last good deed to renew the faith of the disillusioned-with-life Michael.


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Continue reading University & Community Partnership: Dr. Liz Thach.
October 2012 Archives
University & Community Partnership: Dr. Liz Thach
"With service-learning, students have the chance to apply theoretical learning to a real organizational setting. By helping community partners, students learned how to apply effective change management techniques." Dr. Liz Thach, Professor of Management and Wine Business, explains the invaluable experience that her service-learning graduate level business course brings to her students. Establishing a service-learning course, like any other class, has its very own set of challenges for faculty members such as finding local non-profit organizations, and ensuring learning objectives...
Travel to Bali and Explore Social Entrepreneurship for the 21st Century
Sonoma State University's Professor Robert Girling in Partnership with Bali Institute for Global Renewal Presents: Social Entrepreneurship for the 21st Century January 2-16, 2013 Journey to the magical island of Bali to participate in a special 2-week educational program designed to challenge and inspire you while immersed in a unique indigenous environment. This experience will provide you with many skills and tools necessary for understanding social entrepreneurship with a global perspective. Over the course of the program you'll engage with...
Continue reading Travel to Bali and Explore Social Entrepreneurship for the 21st Century.
What's the Purpose of Life?
Work for a Cause ... Not for Applause... Live life to Express ... Not to Impress.... Don't strive to make your Presence noticed.... Just make your Absence felt... Sometimes the most powerful things come in the simplest forms. I found this quote while browsing the website http://www.stumbleupon.com/. StumbleUpon is an easy way to discover new and interesting web pages, photos and videos from across the Web. When I came across this quote, it made me think about my life...
Continue reading What's the Purpose of Life?.


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Last I looked, AMP is just using Quicktime to play the audio which is what I believe iTunes does as well actually (but could be wrong).
One thing iTunes offers that AMP doesn't is an EQ. It could be that you have either the global or local (per song) EQ turned on. If so, turn it off and see if that helps.
I personally have never noticed a difference between AMP and iTunes as far as SQ, but I run directly to my Amps rather to a head-unit so I wouldn't run into conflicting EQ setting issues.


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Liverpool ended the weekend where they started it, atop the table, thanks to two Steven Gerrard penalties against West Ham.
Jack Colback has made a quicker-than-expected return to fitness as Steve McClaren has indicated the defensive midfielder will be included in Newcastle United's squad this weekend.
Jurgen Klopp stated in his press conference ahead of Liverpool's match against Swansea City that he is "unsure" on the possible involvement of Philippe Coutinho.
Both Marc Pugh and Artur Boruc were doubtful for AFC Bournemouth during the week ahead of matchday 14 and Eddie Howe indicated in his press conference today that their status has not improved.
Daniel Sturridge has been sent to have a scan on his foot after having an injury setback during training.
Aaron Ramsey returned to first team action as a second half substitute against Dinamo Zagreb on Tuesday.
Phillip Wollscheid will face a late fitness test after the defender missed training on Thursday. Manager Mark Hughes confirmed. "His pelvis was a little sore," although he remained hopeful that the German could take part in Fridays' session.
Alexis Sanchez continues to be the main focus of Arsenal attention after Arsene Wenger alluded to the fact that his Chilean winger would be checked on Thursday having felt a slight problem in his hamstring.
Remi Garde has confirmed that Jack Grealish will not be involved this weekend after the 20-year-old was seen partying just hours after the defeat to Everton.
Manchester City have been dealt another blow along the back-line as manager Manuel Pellegrini confirmed defender Vincent Kompany will need at least two more weeks to recover from a calf injury.
Manchester City could be without goalkeeper Joe Hart after the England starter left the club's 1-0 Champions League loss to Juventus with a hamstring injury.
Karl Darlow is back to full fitness after starting Newcastle United's U-21 match against West Bromwich Albion's U-21's on Monday.


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I have always been interested in photography. One of my favorite classes in high school was Photography. To be honest, though, the only thing I actively remember from that class is the famous "Rule of Thirds" rule. I always new there was much, much more to photography, but I always felt overwhelmed!
You can find my photos on 500px and on Flickr and I am "rushtheiceberg" on Instagram.
Presently, I really do not have any desire to learn about f-stops and shutter speed and much of the other technical aspects of photography. I'm sure I will get there in the future.
I am much more interested in composition and post processing of photos.
I also have a 2 1/2 year old and a 6 1/2 month old, so I do not have much time, well, to do anything.
Enter the iPhone and all the obligatory photography apps…
Below is my iPhoneography camera bag and my work flow…
6X6 – I discovered this app through Nicole Dalesio and her awesome collection of iPhone photography apps. At first I was not sold on this app because I was so used to shooting pictures with the iPhone camera app, then crop from there. After a few tries, I got it: perfect for shooting 1:1 square ratio that is all things Instagram. This app really allows me to compose my shots without worry of if it fits in the Instagram box. I am now using this as my everyday camera. Highly recommend this app!
PHOTOTOASTER – My photos go here first. Basic touch/tune ups…add clarity. I really like the cropping options: square and rectangle with 4:3, 4:6, 5:7, 8:10, and Golden Ratio. Many other apps have the same feature set, along with many filters and effects. However, I really like the intuitive UI with this app.
PHOTOFORGE/PHOTOGENE2 – I then generally throw my photos in one of these two next. My favorite part of Photogene2 is the curve adjustment. I have NO idea what the technical aspects of adjusting the curves are, but I do like to see the real time change as I slide my finger around on the screen. There is a whitebalance tool that I am sure I need to figure out how to use…
PICFX– Love this app for various filters and effects. Most of these can likely be found in other apps, but again, the UI of this app is simple and intuitive. All of my photos go through this app; however, not all photos end up being processed with this app – I like to see what my options are. I didn't realize this for the longest time, but you can adjust the intensity of the filter/effect with a verticle slide bar on the right side of the photo!
PHOTOWIZARD – I am starting to play around with this app. It seems overwhelming to me, yet the promise of power and versitility is present.
Lenslight – Just got this last night and I love it! At first I thought I could not really use the app much, but playing around with it proved me wrong. The controls for different lighting effects are intuitive and creative. Highly recommend this…you may not use it much, but when you do, it will take your photo to the next level…The moon is the next photo is from Lenslight….
—Updtate: I used Photowizard (and Snapseed and Lenslight for this photo)
SNAPSEED – I want to use and like this app more than I do…UPDATE – I have spent a few days with this app and really like it a lot! I know I am not using it to its fullest potential. The thing I like most is it is pretty easy to experiment with different "things" in this app without causing too many problems.
POSTAL PIX/POSTAGRAM – You have too order prints of your pics for the refridgerator and family!
SHUTTERCAL – I use this app to upload the photos for my 365 project to this site – the site has a cool calandar view…
COUNTDOWN – Not a photo app, but I use this to keep track of the chronological day of the year…
HIPSTAMATIC – I have this app for over a year, however I rarely used it. The layout was simple, yet all the combinations of film, flash, and lenses overwhelmed me. In addition, at first I did not like that you have to shoot the photo in this app – so I stopped using it. About two weeks ago, I started using the app again. I am not sure why, either! I am super happy that I did! I feel like the quality of my compositions and over photos have stepped up a notch. This app really makes me think through the shot before snapping the photo! When the combiniation of film, flash, and lenses is bad, it is HORRIBLE! However, when the combination is good, I get so much joy!
INSTAGRAM – Well, you know…I do want to say that, for about a month, I thought you could only take the photo within the app. Boy was I wrong! I finally figured out that I can take pictures with the iPhone's normal camera or our DSLR, save the photos to the phone's camera roll, and then select the photo from there to add flters and stuff to…
Favorite iPhoneographers on Instagram – I strongly suggest tegold, billselak, doremigirl, fodograph, furius_spurius, intrepidteacher, jimconnolly, kshelton, needleworks, maryannreilly, magrelacanela, rjob50, rvesper, robertogreco, seani_, tfullerton …
I'm sure I have missed some apps and photographers…please include your favorites in the comments!
2 Responses to My Instagram iPhoneography Camera Bag
MaryAnnReilly says:
My Instagram iPhoneography Camera Bag http://t.co/0QIjeAbs by @rushtheiceberg
Really found this helpful. #photography #iPhone #artsed
ArtLadyHBK says:
RT @MaryAnnReilly: My Instagram iPhoneography Camera Bag http://t.co/0QIjeAbs by @rushtheiceberg
Really found this helpful. #photography #iPhone #artsed
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keep a close eye on Tuscany....trading at the year low....fundamentals are strong...41 rigs...may want to take a stab as a result of fund managers selling at Q3....over 89 % utilization of the rigs...Petrobras is using them....


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Patents Issued 2006
Here is a list of patents issued in 2006 and naming UT Southwestern Medical Center as inventors.
U.S. Patent Number: 7,094,758
Patent Title: Apoptotic Compounds
Inventors: Wang, Xiaodong; Du, Chunying
Issued: 08/22/06
U.S. Patent Number: 7,084,281
Patent Title: Synthesis of Dihalohydrins and Tri- and Tetra-Substituted Olefins
Inventors: Falck, John R.; Barma, Deb K.; Kundu, Abhijit
Issued: 08/01/06
U.S. Patent Number: 7,083,784
Patent Title: Molecules with Extended Half-Lives, Compositions, and Uses Thereof
Inventors: Dall'Acqua, William; Johnson, Leslie S.; Ward, Elizabeth S.
Issued: 08/01/06
U.S. Patent Number: 7,081,337
Patent Title: Methods for Modulating Transcriptional Activation Using Mint Proteins
Inventors: Sudhof, Thomas C.; Biederer, Thomas; Ho, Angela; Liu, Xinran
Issued: 07/25/06
U.S. Patent Number: 7,078,182
Patent Title: TAO Protein Kinase Polypeptides and Methods of Use Therefor
Inventors: Cobb, Melanie; Hutchinson, Michelle; Chen, Zhu; Berman, Kevin
Issued: 07/18/06
U.S. Patent Number: 7,071,318
Patent Title: Methods and Compositions for Stabilizing Microtubules and Intermediate Filaments in Striated Muscle Cells
Inventors: Olson, Eric N.; Spencer, Jeffrey A.
Issued: 07/04/06
U.S. Patent Number: 7,071,171
Patent Title: Unique Dendritic Cell-Associated C-Type Lectins, Dectin-1 and Dectin-2 Compositions and Uses Thereof
Inventors: Ariizumi, Kiyoshi; Takashima, Akira
Issued: 07/04/06
U.S. Patent Number: 7,070,957
Patent Title: STARS--A Muscle-Specific Actin-Binding Protein
Inventors: Olson, Eric; Arai, Akiko
Issued: 07/04/06
U.S. Patent Number: 7,070,941
Patent Title: Methods and Compositions for Tagging Via Azido Substrates
Inventors: Zhao, Yingming; Falck, John R.
Issued: 07/04/06
U.S. Patent Number: 7,067,254
Patent Title: Diagnosis and Treatment of Inflammation and Hyperactive Immune Conditions
Inventors: Kumamoto, Tadashi; Mizumoto, Norikatsu; Takashima, Akira
Issued: 06/27/06
U.S. Patent Number: 7,067,109
Patent Title: Cancer Treatment Kits Comprising Therapeutic Conjugates that Bind to Aminophospholipids
Inventors: Thorpe, Philip E.; Ran, Sophia; Brekken, Rolf A.
Issued: 06/27/06
U.S. Patent Number: 7,065,451
Patent Title: Computer-Based Method for Creating Collections of Sequences from a Dataset of Sequence Identifiers Corresponding to Natural Complex Biopolymer Sequences and Linked to Corresponding Annotations
Inventors: Garner, Harold R.; Kulkarni, Amit
Issued: 06/20/06
U.S. Patent Number: 7,056,688
Patent Title: LDL Receptor Signaling Assays
Inventors: Herz, Joachim; Gotthardt, Michael
Issued: 06/06/06
U.S. Patent Number: 7,056,509
Patent Title: Antibody Methods for Selectively Inhibiting VEGF
Inventors: Thorpe, Philip E.; Brekken, Rolf A.
Issued: 06/06/06
U.S. Patent Number: 7,052,833
Patent Title: Absorptive Hypercalciuria Locus on Human Chromosome 1
Inventors: Reed-Gitomer, Berenice Y.; Pak, Charles Y.C.
Issued: 05/30/06
U.S. Patent Number: 7,041,784
Patent Title: Apoptotic Compounds
Inventors: Wang, Xiaodong; Du, Chunying
Issued: 05/09/06
U.S. Patent Number: 7,029,861
Patent Title: LPS-Response Gene Compositions and Methods
Inventors: Beutler, Bruce A.; Poltorak, Alexander
Issued: 04/18/06
U.S. Patent Number: 7,022,720
Patent Title: Synthetic Diazonamides as Novel Anti-Mitotic Agents
Inventors: Harran, Patrick G.; Li, Jing; Jeong, Susan
Issued: 04/04/06
U.S. Patent Number: 7,018,833
Patent Title: Linear and Circular Expression Elements
Inventors: Sykes, Kathryn F; Johnston, Stephen A.
Issued: 03/28/06
U.S. Patent Number: 7,018,801
Patent Title: Selections of Peptides with Antibody-Like Properties
Inventors: Kodadek, Thomas J.
Issued: 03/28/06
U.S. Patent Number: 7,016,786
Patent Title: Statistical Methods for Analyzing Biological Sequences
Inventors: Ranganathan, Rama; Lockless, Steve W.
Issued: 03/21/06
U.S. Patent Number: 7,011,647
Patent Title: Introducer Sheath
Inventors: Purdy, Phillip D.; Nair, Ajit; Pham, Phong; Ramzipoor, Kamal; Bashiri, Mehran; Eder, Joseph C.
Issued: 03/14/06
U.S. Patent Number: 7,005,512
Patent Title: Methods and Compositions for Stabilizing Microtubules and Intermediate Filaments in Striated Muscle Cells
Inventors: Olson, Eric N.; Spencer, Jeffrey A.
Issued: 02/28/06
U.S. Patent Number: 6,994,961
Patent Title: Gene Expression in Ectodermal Dysplasia
Inventors: Chaudhary, Preet M.
Issued: 02/07/06
U.S. Patent Number: 6,962,798
Patent Title: Methods and Compositions Relating to a Cardiac-Specific Nuclear Regulatory Factor.
Inventors: Olson, Eric N.; Wang, Da-Zhi.
Issued: 11/08/05
U.S. Patent Number: 6,960,652
Patent Title: Compositions and Methods for Modifying Toxic Effects of Proteinaceous Compounds
Inventors: Vitetta, Ellen S.; Ghetie, Victor F.; Smallshaw, Joan E.; Baluna, Roxana G.
Issued: 11/01/05


text:
|Isonymy structure of Buenos Aires city.
MedLine Citation:
|PMID: 20067369 Owner: NLM Status: MEDLINE
|The isonymy structure of Buenos Aires was studied based on its surname frequency. Information on 2,552,359 voters of the 28 Buenos Aires districts was used to estimate Lasker's coefficient of relationship by isonymy (R(i)), surname diversity according to Fisher's alpha, the coefficient of consanguinity resulting from random isonymy (F), and Nei's, Lasker's and the Euclidean isonymy distances. These distances were correlated with geographic distances, which were calculated by assigning an arbitrary point to each district and measuring distances on a map of the city. The R(i) x 10(5) and F x 10(4) averages of the districts located south of Rivadavia Avenue were higher (R(i) = 66.08; F = 3.4) than those situated north of that avenue (R(i) = 46.60; F = 2.4) (p < 0.001). Fisher's alpha showed the opposite behavior (north, alpha = 1,055.5; south, alpha = 757.2). There was a significant correlation (p < 0.001) between geographic distance and Nei's and the Euclidean distances (0.496 and 0.503, respectively), but the correlation was not significant for Lasker's distance (0.051). These results indicate isolation by distance in the city of Buenos Aires and reveal subdivision of the metropolitan population, with greater consanguinity and a lesser variety of surnames in the districts located in the southern section of the city. This structure agrees with the fragmentation and social, cultural, and economic differences observed among the districts of this Latin American metropolis.
|Rubén A Bronberg; José E Dipierri; Emma L Alfaro; Italo Barrai; Alvaro Rodríguez-Larralde; Eduardo E Castilla; Vincenza Colonna; Greta Rodríguez-Arroyo; Graciela Bailliet
Related Documents :
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Publication Detail:
|Type: Journal Article
Journal Detail:
|Title: Human biology Volume: 81 ISSN: 1534-6617 ISO Abbreviation: Hum. Biol. Publication Date: 2009 Aug
Date Detail:
|Created Date: 2010-01-13 Completed Date: 2010-04-15 Revised Date: 2011-04-18
Medline Journal Info:
|Nlm Unique ID: 0116717 Medline TA: Hum Biol Country: United States
Other Details:
|Languages: eng Pagination: 447-61 Citation Subset: IM
|Area Genética Médica, Hospital General de Agudos Dr. J. M. Ramos Mejia, General Urquiza 609, 1221 Ciudad de Buenos Aires, Argentina.
Export Citation:
|APA/MLA Format Download EndNote Download BibTex
|MeSH Terms
Genetics, Population*
Models, Statistical
Population Dynamics
Urban Population
From MEDLINE®/PubMed®, a database of the U.S. National Library of Medicine
Previous Document: Microsatellite diversity delineates genetic relationships of Shia and Sunni Muslim populations of Ut...
Next Document: Seasonality in birth weight: review of global patterns and potential causes.


text:
Andirons (sometimes referred to as fire dogs) have been used in homes as far back as the sixteen century. They were originally created to support burning logs much in the same way a grate does today. They help to improve your burning efficiency by allowing air to flow beneath your logs, and reduce wear on the bottom of your fireplace. These andirons also help to add a decorative touch to any fireplace. The Fireplace Doctor carries many different styles of andirons made with variety of materials. These include classic cast iron, brass or even copper.
Click here to see the products.


text:
Monday, January 4, 2010
WTF Monday, Now With Holiday Recovery Strategies!
So, I've got new followers! And people following me on Goodreads! And people listing my book as one that they're looking forward to in 2011! I think I love you, new and lovely people. You look really nice today. You have really good taste. I like your nostrils. You sparkle nice. Don't get me wrong; I love you too, old followers. It's just that I'm a little worried about going overboard. You might thing I'm one of those sparkly vampire stalker types. And obviously, I'm not a vampire.
The other day, Slayer and I went out, all adult-like, and had dinner without children. I always have problems at those dinners, because I have to fight the continual compulsion to lean over and cut up someone's meat and squirt ketchup all over it. But I managed. After dinner, we met up with some friends for drinks. Let's call them Mr. and Mrs. Zombie Penguin, because they random gifted me with one. So I was texting Mr. ZP, because I am just that kewl, and I needed to tell him where we were.
Thrilling story so far, isn't it?
My phone has one of those auto complete functions. So when I typed in the words, "Give me a," it gave me a list of options to complete the sentence. The options?
Seriously. The next time you're asking for something, I hope you'll think about the bearded what babies. Because evidently, it's what all the kewl kids are asking for.
14 comments:
- Jamie Eyberg said...
I am just happy my phone dials numbers. Your phone is way kewler than mine.
- January 4, 2010 at 9:30 AM
- K.C. Shaw said...
What bearded babies?
Nyuk nyuk. :)
- January 4, 2010 at 9:57 AM
- Shannon O'Donnell said...
Funny post, Carrie! You crack me up. :)
- January 4, 2010 at 10:31 AM
- Danyelle said...
*knits brows*
So, since you're not a vampire, does that mean you're a sparkly stalker? O:)
Long live zombie penguins!
- January 4, 2010 at 11:28 AM
- Natalie Whipple said...
All my babies were born with beards.
- January 4, 2010 at 2:51 PM
- ElanaJ said...
Oooh, you got to go out without the kidlets? That's amazing. Congrats!
- January 4, 2010 at 3:21 PM
- PJ Hoover said...
Go you! You are totally kewl!
And those dinners are always a bit strange for me, too. I'm never sure what to do with myself.
- January 4, 2010 at 4:48 PM
- Larissa said...
Thanks for the laugh, Carrie!
- January 4, 2010 at 5:25 PM
- Natalie L. Sin said...
Penguins are great in any form!
- January 4, 2010 at 7:01 PM
- Lilfix said...
I've been away for awhile and come back to read about bearded babies on your blog...boy, I've missed this...grin...
- January 4, 2010 at 7:30 PM
- Sandra Leigh said...
I do look forward to reading your book, Carrie, and I'm glad you like my nostrils. I'm rather proud of them.
- January 4, 2010 at 11:10 PM
- Kelly said...
Your new blog mascot should be a bearded baby!
My phone is dull, dull, dull!
- January 5, 2010 at 9:04 AM
- Shelli said...
happy new year!
- January 5, 2010 at 3:28 PM
- Tracy said...
Thanks for noticing that I sparkle. Husbands never notice that sort of thing, and it's so nice to be appreciated once in a while, you know?
- January 6, 2010 at 9:58 AM
About Me
- Carrie Harris
- I like writing books, playing games, fighting evil, and cooking (everyone's got to have hobbies). My YA zombie comedy, BAD TASTE IN BOYS, is available from Delacorte Press right now! The next Kate Grable adventure, BAD HAIR DAY, will be available November 2012. Which is la awesome.
My books on Goodreads!
ratings: 6625 (avg rating 3.69)
ratings: 291 (avg rating 5.00)
Blog Archive
- ► 2014 (9)
- ► 2013 (22)
- ► 2012 (54)
- ► 2011 (159)
- The 2010 Debut Author Challenge: The Dark Divine b...
- My Farewell Committee
- WTF Wednesday - Now with Less Sleep!
- Lolzombie of the Day - Dirty Dancing
- Things That Make Me Snarf - World of Warcraft Inte...
- WTF Friday - Now with Poop
- Reading and Writing, But No 'Rithmetic
- Things That Make Me Snarf - Emo Vampire Song
- Lolzombie of the Day - Footloose
- Party on, Leia and Yoda!
- WTF Thursday - Now With Kirk!
- Lolzombie of the Day - Fame
- Fear the Frisky Trucker
- A Winner and Things That Make Me Snarf!
- Pre SQUEE
- Things That Make Me Snarf - Hammer Time and Jasper...
- It's Raining Good Karma, Not Men
- The Year of Give Backery
- WTF Monday, Now With Holiday Recovery Strategies!
- ▼ January (19)
- ► 2009 (248)


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Index aims to measure debt stress of businessComment on this story
Johannesburg - Experian South Africa and Econometrix launched yesterday South Africa's first business debt index, a benchmark for interpreting the debt-paying abilities of companies.
The index will be published quarterly, with the first issue showing that the debt stress of businesses continued to ease in the fourth quarter of last year, although the pace of amelioration remained modest. The rate of improvement in business stress remained more or less constant.
"In the midst of weaker-than-anticipated economic growth, weighed down by large scale industrial action in the third quarter and a loss of business confidence, coupled with indications that consumers are taking a lot of strain financially, the finding that business might be improving modestly from a financial point of view, might seem somewhat surprising," the compilers said.
Experian and Econometrix said the contrast with the experience of consumers was conspicuous. In the case of consumers, rising inflation as a result of fuel price hikes, rising food prices due to drought in certain parts of the country, the introduction of electronic tolls in Gauteng and the general inflationary effects of rapid rand depreciation had been eroding growth in disposable income.
They said employment growth, if any, had been pedestrian. Some of this related to pressures on the government to constrain the growth of its wage bill in order to achieve its stated goal of reducing the budget deficit over the next three years, enabling it to curb the rising trend of state debt.
Nevertheless, the financial health of business seemed to be much more stable. This was reflected in the continuing decline in the average number of debtors' days, while the debt ratio had also been declining significantly.
The compilers said business lacked confidence in the longer-term future of the South African economy.
"This has resulted in businesses refraining from undertaking substantial capital investment. Concerns related to heightening industrial action and economic policy uncertainty, resulting from perceived lack of leadership to implement some of the recommended policy measures needed to address weaknesses of the economy inhibiting its longer-term [potential], are making businesses reluctant to invest more actively."
They said although growth in unsecured lending to households might be declining sharply, this was not the case in lending to corporates. - Business Report
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Short film Directed by Maximilla Lukacs and Sarah Sophie Flicker
Produced by The Belles of the Black Diamond Field
A celebration of revolutionary women from 1900-present.
Starring Sarah Sophie Flicker
Cinematography and Editing by Maximilla Lukacs
Styling Sarah Sophie Flicker
©2006 The Belles of the Black Diamond Field
All Rights Reserved
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ChickenWifAdobo 18-21, M 4 Answers 1 Jan 19, 2014 in Embarrassing & Funny
I think it's release of pent up emotion stirred into a frenzy by preachers.
Best Answer
I am not sure there is a proven scientific explanation for what you describe --- other than mass hysteria. OOPs, and Mass would imply Roman Catholic worship rather than Pentecostal.
Best Answer
I'm sort of wanting to study sociology just so I can study them. No one understands what was like growing up pentecostal.
Best Answer
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Did ya know there is a scientific explanation for the game "light as a feather stiff as a board? Have u done it before?You can find the book pages on google books. Start on page 55 on the book "Anti-Gravity and the World Grid" By David Hatcher Childress. I am gonna be doing this very soon!NoOnespeical 22-25, F 2 Answers 3 May 17, 2012
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An article I came across.... "Demonic presences looming over a sleeping person, or even leaning on their chest or choking them have been part of ghostly lore for centuries. Modern...hawaiiborn 36-40, M 4 Answers 3 Sep 5, 2013 in Community


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Passed IBM 141 today . . .
Shashank Tanksali
Ranch Hand
Joined: Feb 21, 2001
Posts: 122
May 13, 2002 23:51:00
Like most others who have cleared IBM 141, I cleared IBM 141 today in my first attempt with a not so impressive score of 68 %. But since my main aim was to get certified, I am happy with the score
I did very well in XML Processing section (84 %) and reasonably well in Architecture (72 %) and I did terrible in XML rendering (fortunately this carries only 11% weightage).
As has been pointed out by other guys, it is very important to read XML Schema,DOM,SAX,XSLT.
I found that the time was a bit less, even though I managed to rush through the questions and do one very quick review of my answers.
For my study, I used Professional XML 2nd edition and XML in a nutshell (O'reilly) apart from a bunch of internet literature.
I found that the W3C specifications were surprisingly readable and frankly I think anybody can pass the
without any books, if they go through the W3C site in full.
Thanks to all the ranchers for your wonderful suggestions and help, without which I would have had no idea what I was dealing with.
In case you have any questions, please do let me know and I will be glad to be of help in anyway I can and I will answer all questions on the forum.
Good luck to everybody on the exam.
IBM Certified Developer - XML and Related Technologies

Shashank Tanksali

SCJP2,SCJD2,SCWCD
IBM Certified Developer - XML and Related Technologies
PMI Certified Project Management Professional

Ranch Hand
Joined: Nov 22, 2001
Posts: 110
May 14, 2002 01:21:00
Congracts to You Shashank Tanksali ,
Plz let me know that are U a male or female . I m
consedering you Male right now.
Well i m giving Paper on This Firday . I m still preparing . I have a couple of Question...
1. How Much Coding U Think is Important ?
2. Can i just give paper by reading ?
and lastly just a query , IS their any need of Whiz ?
Muhammad Hussain
Sun Certified Java Programer (SCJP2)
Sun Certified Web Component Devloper SCWCD
John Wetherbie
Joined: Apr 05, 2000
Posts: 1449
May 14, 2002 06:36:00
The only reason for time is so that everything doesn't happen all at once.
- Buckaroo Banzai
Ajith Kallambella
Joined: Mar 17, 2000
Posts: 5782
May 14, 2002 06:47:00
Congratulations Shashank!
Open Group Certified Distinguished IT Architect. Open Group Certified Master IT Architect. Sun Certified Architect (SCEA).
Shashank Tanksali
Ranch Hand
Joined: Feb 21, 2001
Posts: 122
May 14, 2002 08:01:00
Thank you guys !!!
Since this exam is meant to be programming language neutral, there will not be much emphasis on programming.
However you will find questions, like asking you to choose all the schema/DTD content models which would successfully validate a given XML document, or you might get a question asking you to pick all the XML documents, which would get successfully validated against a given schema or DTD.
In my opinion, even though there will be few code oriented questions on the exam, I would recommend that you play around with Xerces and Xalan (which you can get from
at least for a couple of days. This will help you get a better understanding of XML validation using DTD,Schema and XML processing using DOM and SAX.
Also the parser distribution contains example programs which demonstrate DOM and SAX functionality. Going through these programs will help you enormously.
I personally did not use Whiz for my test preparation as I found quite a few errors in the sample part of the simulator. Besides Whiz is more programming oriented, while the real exam is not. Also some of the questions in Whiz are very long (the XML document runs into around 20 lines and each of the options runs into around 10 lines each). You will not have questions like that on the real exam. Any DTD, Schema or XML document which is provided is usually not more than five lines.
BTW, you can find another XML test simulator at
There are 40 questions on XML.You need to register to take a test. The test is taken online (nothing to download) and it is free.
Good luck to everybody on the exam !!!
IBM Certified Developer - XML and Related Technologies
Ranch Hand
Joined: Nov 22, 2001
Posts: 110
May 14, 2002 10:42:00
and Congract's and Mubarak again
Syed AliRaza Zaidi
Ranch Hand
Joined: May 12, 2002
Posts: 169
May 14, 2002 20:44:00
Congrats Shashank,
Can u tell me how much time you gave to preparation of XML can i just do it in one month? or one and half?
Thank you and best of luck what is your next certification?
Shashank Tanksali
Ranch Hand
Joined: Feb 21, 2001
Posts: 122
May 14, 2002 23:44:00
Thanks Syed !!!
Since I was not studying XML full time and was studying only on the weekends, I took about 3 months to study for 141. I did not have any XML work experience before starting my preparation.
I am planning to take up IBM 486 and SCWCD next.
Good luck on your certification.
IBM Certified Developer - XML and Related Technologies
Hema Menon
Ranch Hand
Joined: Oct 29, 2000
Posts: 569
May 16, 2002 09:59:00
Congratulations Shashank!
Jim Baker
Ranch Hand
Joined: Mar 10, 2002
Posts: 177
May 16, 2002 16:01:00
Did you use any Mock tests before taking the
real one? If yes, how close are they to the
real one? Thanks.
Shashank Tanksali
Ranch Hand
Joined: Feb 21, 2001
Posts: 122
May 16, 2002 16:18:00
Thanks Hema !!!
Unfortunately, there are not many test simulators out there for 141.
I did not really use any mocks (except of course those from IBM for 141 and 140).
I tried using Whiz (only the free part), but did not find it too good. Some of those who have passed have found it useful to some extent.
I did take the mock at
The problem with this mock is that it has some questions, which are almost same as IBM's mock.
Also some of the questions are of true/false type, which you will not have on the real exam.
I would think that the IBM's sample test is the closest that any mock out there can come to the real test.
Good luck with your certification.
IBM Certified Developer - XML and Related Technologies
I agree. Here's the link:
subject: Passed IBM 141 today . . .
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Cleared it with 79% today
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Thanks to everyone who participated in the CCOE Awards Ceremony yesterday at the Carnegie Hotel. The positive emotions and sincere appreciation were richly evident in the smiles of award recipients along with their families and friends. Joseph Sobol gave a rousing performance and a thoughtful, humorous story while the nominators made very inspirational and heart-rending comments. The refreshments were exquisite as concocted by the chefs of the hotel…there may be a few left in the Dean's office if your sweet tooth is active today and Debbie doesn't eat them all!
Just in case you have not seen the list of honorees for this year's recognition, please take a glance at the names below. If you get a chance to say congratulations, it would certainly be appreciated.
2006 CCOE Faculty, Staff, & Student Awards
Faculty Teaching Award: Dr. Amy Malkus
Faculty Service Award: Dr. Elizabeth Ralston
Faculty Research Award: Dr. Clarissa Willis
Diversity Award: Dr. Rosalind Gann
Technology Award: Ms. Kim Roberts
Collaboration Award: Ms. April Blakely & Dr. Pam Evanshen
National Board Certification for Teachers: Ms. Amy Horton
Support Staff Award: Ms. Bobbie Lewis
Custodial Staff Award: Mr. James Pritchard
Alumni Hall of Fame: Dr. Robbie Anderson (JC Schools)
Outstanding Community Support Award: Organization – TN School for the Deaf
Individual – Ms. Teena Bradley & "I Pinky
Outstanding Graduate Student Award: Mr. Chris Bryant
Outstanding Student Teacher Award: Ms. Valerie Leonard
Outstanding Student Award: Curriculum and Instruction – Ms. Judy McMillan
Human Development and Learning – Ms. Dawn Blackwell
Physical Education and Exercise Science – Ms. Ann Marie Kinser
Outstanding Student Worker Award: Mr. James Villanueva
Outstanding Graduate Assistant/Tuition Scholar Award: Ms. Brenda White-Wright & Mr. Steve Manz
Outstanding Thesis: Ms. Margaret Meyers
Thank you for your participation and attendance!
Steve Cockerham, Chair
CCOE Recognition Committee