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Living Space
Syracuse Before-and-After: 12 images of recent developments
2007 – 2014 via Google Maps
Google Maps/StreetView has taken several rides through Syracuse snapping pictures of our region since 2007. With the release of a "Time Machine" feature added to the service in the past year, we are able to identify and compare local areas that have seen some big changes between 2007 and 2014. //
Winter Tips for your Landscape
(Advertorial) What to do for best success in our wintery landscape.
(This special advertising feature is sponsored by Mueller Farms Landscaping Co.)
Christmas Decorating in a Tight Space
Another kind of Christmas miracle
Fitting an 8-foot-tall Christmas tree into a small apartment would be another kind of Christmas miracle.
From Warehouse to Apartments
The historic C.G. Meaker Food Co. warehouse
The first time he walked into the historic C.G. Meaker Food Co. warehouse at 538 Erie Blvd. W., Luke Esposito saw the building's potential.
Once Upon a Time
(Living Space) Clocks found in local stores for collecting or for home decorating
Daylight Saving Time is no more, for now. Sunday, U.S. clocks moved one hour back, returning to Eastern Standard Time until March 8.
Old Factory Space has 'Peaceful, Calming Vibe'
Brick walls and wood ceilings.
One of Solon Quinn's favorite things about his Nettleton Commons apartment is the light.
The Apartment We Wanted in NYC and Couldn't Afford
(Living Space) A four-story former warehouse transformed by the Near Westside Initiative
He read an advertisement on Craigslist for a live/work space near Armory Square, in the former Lincoln Supply warehouse, 109 Otisco St.
New Apartments Downtown Designed for Students
The former E.M. O'Donnell Building has 75 apartments.
College students — nearly 35,000 of them— are back in town.
Back to the Land
Four acres, 21 chickens, 12 goats and 50,000 bees
Two Syracuse residents recently moved to a farm in Oswego County and are trying to make a go of it. Writer Margaret McCormick talked with them about why they would do such a thing, the challenges and the satisfactions.
New Apartments Have a Columbus Circle View
443 S. Warren St. overlooks Columbus Circle
Attorneys Tom and Julie Cerio believe densely built South Warren Street is the next step in downtown living.


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One of the more awe-inspiring iPad apps of 2010 was Flipboard. The free app is a beautiful way to read RSS feeds, see and respond to updates from friends on Twitter and Facebook and more, displayed in a format that looks more like a well-designed magazine than a reader app. It's so good that Apple named it the iPad App of the Year.
Now The Next Web is reporting that Flipboard may be coming to a much larger audience as a web app. The company has reportedly posted a job opening for a "Designer - Web Developer" for the purpose of designing a way to read content online. This move makes sense for Flipboard, particularly if they plan on offering the app in Google Chrome's Web Store.
A web app that is readable from a variety of devices would give Flipboard an advantage in development, since all upgrades and changes could be made to one code base instead of requiring rewrites for many platforms. There's no word on when the web app may launch, although it's a sure bet that it will be sometime in 2011.
[via MacStories]
- Key specs
- Prices
- Discussions
- Form factor Tablet
- Operating system iOS (8)
- Screen size 9.7 inches
- Storage type Internal storage (16 GB, Flash)
- Maximum battery life Up to 10 hours
- Dimensions 9.4 x 6.6 x 0.24 in
- Weight 0.96 lb
- Announced 2014-10-16

subset: commoncrawl


text:
Merrill's Repairman
John Thain, an MIT-trained engineer, will have to mend morale and overhaul risk controls as head of the world's biggest brokerage. He may also have to write off billions more in bad debt.
By Lisa Kassenaar and Yalman Onaran Bloomberg Markets February 2008
The markets have just closed on the first Monday in December when John Thain pays a visit to Merrill Lynch & Co.'s seventh-floor bond trading room, with its 550 seats and 1,000 computer screens.
The company's new chief executive officer, who has been on the job for 48 hours, tells the crowd he's honored and a little nervous to be in charge of the world's biggest brokerage. Then he breaks into a story about a phone call from David Komansky, the former broker who ran Merrill from 1997 to 2002.
"David Komansky called me up and he said, 'I can't believe a Goldman guy is going to be in my office,"' says Thain, 52, adopting a low, gruff Bronx accent to mimic his 68-year-old predecessor. He pauses for the laughter and applause to die down. "Well, I'm not a Goldman guy anymore," he says.
He certainly isn't. While Thain's old employer, Goldman Sachs Group Inc., has emerged from the subprime crisis relatively unscathed, his new firm, Merrill Lynch, had to take a $7.9 billion writedown on its mortgage-backed assets, one that cost Thain's predecessor, Stan O'Neal, his job.
The 6-foot (1.8-meter) Thain, who learned risk management at Goldman and consensus building as CEO of the New York Stock Exchange, will need all of his skills to repair 94-year-old Merrill.
Thain is moving swiftly to restore order. On Monday, Dec. 3, the new boss chaired an all-day board meeting. That day, he also handed Nelson Chai, his chief financial officer from NYSE Euronext, the same job at Merrill.
Like many people who know Thain, Chai praises the newcomer's high-wattage intelligence: Thain holds a degree in electrical engineering from Massachusetts Institute of Technology and a Master of Business Administration from Harvard Business School.
"When you're the smartest guy in the room, which he typically is, you come at things from a different altitude," says Chai, 42, who also has a Harvard MBA. "It's good for him to have someone like me who walks on the street."
Thain has a lot more plans for Merrill. He'll create an executive committee of business heads whose members will report directly to him, he said in an interview on Dec. 14. Prominent on the committee will be a chief risk officer leading a reorganized unit designed to catch the kinds of missteps that allowed the fixed-income division to drag down the firm.
"The people who were here -- and who are not here anymore -- did not do a very good job of managing risk," Thain says.
The CEO is also hiring senior traders, whose ranks are thin, he says. And he is going to change how top managers are paid.
"I want to refocus on the company as a whole rather than on individual businesses," he says, sitting in a conference room on the 33rd floor of Merrill's World Financial Center headquarters in lower Manhattan. "There was too much of a siloed structure here."
For now, bonuses will be cut for the few at the heart of Merrill's recent travails. The firm may reduce the 2007 bonuses for fixed-income traders by an average of 40 percent and those of traders of mortgage-related securities by as much as 80 percent, according to two people briefed on the matter.
On Dec. 24, Merrill announced it would receive a cash infusion of as much as $6.2 billion from Singapore's Temasek Holdings Pte. and New York-based Davis Selected Advisors LP. Both investors will pay $48 a share. The firm also agreed to sell its commercial finance business to General Electric Co.'s finance arm for an undisclosed price.
At his meeting with the bond traders, Thain walks up a small staircase and looks over the fixed-income room. Hanging from the 20-foot ceiling are blue flags emblazoned with Merrill's trademark bull and company slogans, including "Client Focus" and "Individual Responsibility."
Thain reminds the crowd that he once traded mortgage bonds for Goldman Sachs in the 1980s. He invites everyone to weigh in on how Merrill is run. "I grew up in a relatively small town in the Midwest, and I am a very straightforward kind of person," the Illinois native says. "I would like to hear what you think we should be doing.
"We do have a few problems," he adds.
Thain and his team must begin by cleaning up Merrill Lynch's balance sheet, digging out whatever subprime-related losses are left on the company's books, says Charles Peabody, an analyst at New York-based Portales Partners LLC. That could mean another $11.5 billion in Merrill writeoffs related to mortgages, including collateralized debt obligations, according to William Tanona, an analyst at Goldman Sachs.
CDOs are packages of debt securities that bundle subprime mortgages, bonds and other loans. Thain declines to comment on any future writedowns at Merrill.
Speaking about all of the banks affected by the mortgage crash, he says, "If people were long CDOs in the third quarter, they are going to have losses in the fourth quarter. I think the market expects that." Merrill's fourth quarter ended on Dec. 31.
Thain's toughest task may be to revive a corporate culture that was damaged under O'Neal, says Barry Friedberg, a former chairman of global markets and investment banking. O'Neal, 56, sliced more than 18,000 jobs and closed 250 Merrill Lynch offices when the economy faltered in 2001 and '02. He fired so many managers in his immediate circle that others avoided face time with him, former employees say. Before O'Neal, the firm was long referred to as Mother Merrill for its reputation as being kinder to its employees than other Wall Street banks.
"Stan was unique in his capacity to drive away talent," says Friedberg, 67, who left Merrill in '03 after 19 years. "O'Neal's principal legacy is not the mortgage loss but the loss of hundreds of outstanding people."
O'Neal declined to comment for this story.
Thain, Merrill Lynch's first CEO from outside the company, should restore the balance between the 16,600-strong brokerage force, which brings in steady fees, and the volatile practice of trading with the firm's own money, says Richard Kovacevich, chairman of Wells Fargo & Co., the fifth-largest U.S. bank.
Proprietary trading, which is replete with risks, became the engine that drove Wall Street profits -- Merrill's included -- during the boom years. "Stan decided to significantly change the investment banking business and hope the brokerage business would continue to do fine," Kovacevich says. "But the inherent strength of Merrill Lynch today, if they have anything, is the brokerage."
Amy S. Butte, chief financial officer of MF Global Ltd., a futures and options brokerage business, says Merrill's advantage over other investment banks lies in its superior securities distribution network. Since 2006, that's included BlackRock Inc., the world's largest publicly traded mutual fund manager, in which Merrill bought a 49.8 percent stake.
"Merrill Lynch is not Goldman Sachs," says Butte, who was Thain's CFO at the NYSE and also worked as a securities industry analyst at Bear Stearns Cos. and Merrill. "One has long been a culture of volume, and the other is a culture of risk."
Thain says he recognizes the distinction. "The Merrill brand is very important," he says. "The focus on clients and giving them good advice is a very powerful element of what Merrill Lynch is."
(Merrill Lynch is a passive, minority investor in Bloomberg LP, parent of Bloomberg News.)
O'Neal's mistake, say people who worked with him, was that he tried too hard to make Merrill Lynch like Goldman Sachs. Merrill has traditionally made close to half of its money from wealth management. Goldman is an investment bank that depends on riskier proprietary trading for its success.
As late as September, with credit markets deep in the doldrums, Merrill Co-President Gregory Fleming wrote in a memo to his staff that Merrill should take risks like Goldman does.
Merrill Lynch's sales and trading operation accounted for 43 percent of revenue in 2006, up from 37.4 percent two years earlier, according to financial statements. Merrill's wealth management division, including the retail brokerage, brought in just 35 percent of revenue in 2006, down from 52 percent in '04. Profit in 2006 was a record $7.5 billion.
After the meltdown in the prices of subprime assets that triggered the third-quarter loss, the numbers reversed. Wealth management represented about 52 percent of revenue for the first nine months of 2007 versus 30 percent for trading, all delivered from the equities side.
"O'Neal was a copycat, and he said, 'Look, we can produce more short-term returns by taking more proprietary risk,"' says Portales's Peabody, who put a "sell" rating on Merrill in late 2005. "It came back to bite him."
As CFO at Goldman Sachs from 1994 to '99, Thain worked with his team to put together a checks-and-balances risk-control system that's still in place, he says. It includes a group of committees that watch over each other.
"At Goldman, there was an equal balance between the traders and the risk managers, and there was actually a very good dialogue," Thain says. "And when you add into that the involvement of senior management, it works."
Thain himself will be keeping constant track of the new risk management system to avoid any repetition of the subprime mortgage debacle. "I don't think it's an accident that the firms that seem to have avoided these problems the best have CEOs who get very actively involved in the business," Thain says. "You look at Goldman and you look at Lehman."
Goldman Sachs, under CEO Lloyd Blankfein, and Lehman Brothers Holdings Inc., under Richard Fuld, both used credit default swaps and other hedges to offset losses from mortgage-backed assets like those at Merrill. Even so, on Dec. 13, Lehman reported that fourth-quarter earnings fell 12 percent from a year earlier, in part due to a $830 million writedown of its subprime assets.
Observers raised Thain's name as a possible CEO of Merrill as soon as speculation about O'Neal's survival began in October. Thain was also a candidate for the top job at Citigroup Inc., which on Dec. 12 chose Vikram Pandit, the company's head of investment banking and trading.
"They truly have a good leader in Thain," says Tom Jalics, an analyst at National City Bank in Cleveland, who helps manage $34 billion, including Merrill shares. "He's proven. The Street likes him. He'll be able to get people on board."
Investors like him too, at least so far. As Merrill Lynch's reported losses in the mortgage market worsened, the company's shares plunged 47 percent to $51.23 on Nov. 26 from their January 2007 peak of $97.53. That cut the company's market capitalization by $20 billion. By Dec. 10, ten days after Thain's appointment, the stock was up to $62. The shares closed at $53 on Jan. 2, knocked back down by increasing estimates of the firm's fourth quarter writedown.
Changing CEOs doesn't come cheap. Merrill Lynch's board awarded Thain a pay package worth about $64 million, including a base salary of $750,000; 1.8 million option shares, two-thirds of which he'll be able to cash out when Merrill's stock reaches a certain price; and another 500,000 shares awarded to him outright.
Thain also got a $15 million bonus for 2007 when he walked in the door in December. O'Neal, 56, retired with a payout worth $161.5 million based on his employment contract. The board refused to give him severance.
For all of his time on Wall Street, Thain has never run a brokerage -- or any other retail business. "The flagship at Merrill Lynch is the brokerage, and Thain doesn't have any experience at all there," says William Fitzpatrick, an analyst at Racine, Wisconsin-based Optique Capital Management, which oversees $1.7 billion. The company sold its Merrill Lynch shares in 2006.
Thain says he is busy educating himself. On Nov. 14, the day he was appointed to the job, he joined a reception for brokerage clients at Merrill's headquarters. When he entered the room, he was greeted with applause. He says he's been to several other wealth management functions since taking over as CEO, meeting executives and financial advisers. "This is a people business, and I have to spend time with people," he says.
Wealth management, the bulk of which is a private client operation catering to individual investors and small businesses, has more than 600 offices around the world. It oversees about $1.8 trillion in assets.
The brokerage has brought in more than $8.7 billion in revenue every year since 2002, including a record $11.6 billion in '06. In the first nine months of '07, sales were $9.6 billion, up 16 percent from the same period in '06.
In 24 years at Goldman Sachs, Thain built a reputation as a man who knew how to hedge risk and was cool under pressure, former colleagues at the bank say. He was the highest-ranking executive present at Goldman's 85 Broad St. headquarters on Sept. 11, 2001, when terrorists struck the World Trade Center towers a half mile away. His office became a crisis control center, and he established teams to locate Goldman employees and secured telecommunications for the firm.
"He was the ultimate straight-arrow boy scout," says Suzanne Nora Johnson, a former Goldman vice chairman and managing director in charge of global research. Thain isn't naturally a backslapping broker eager to mix it up with colleagues and clients. "He's an ascetic sort of a guy," says another former Goldman managing director who worked with him there. "This is not a guy who will play Santa Claus."
Thain does have a wry sense of humor. At a meeting in 1999 of lawyers, accountants and bankers to discuss taking Goldman's 130-year-old partnership public, Thain outlined his strategy and then invited comments. Several dissenters spoke up. "Would it hurt you to suck up to me once in a while?" he quipped, according to a person who was there.
John Thain grew up in Antioch, Illinois, population 13,400, a town 60 miles (97 kilometers) from Chicago. His father, Allan, was a doctor on the town's redbrick Main Street who has since handed his practice on to Thain's two brothers, Dennis and Robert, both general practitioners.
Thain was regarded as the smartest kid in Antioch Community High School. And he didn't stop at academics. He was a member of the freshman executive board, captain of the wrestling team, a debater and, in 12th grade, valedictorian, according to a wrestling teammate, Tom Rayniak.
"When he made conversation, he would explain the things in detail to almost the point that I didn't know what the hell he was talking about," says Steve Vazquez, another classmate.
When Thain entered MIT in 1973, he had never before been on the U.S. East Coast. After he got his engineering degree, he went directly to Harvard. He joined Goldman in 1979. In the 1980s, he traded mortgage bonds in the fixed-income division. In 1994, he was named chief financial officer and kept that title even after he moved to London in 1995 for two years as head of European operations.
Thain also served as head of operations, technology and finance. He joined the board in 1998 and became president in 1999.
Thain approached his banking career like an engineer, with meticulous attention to the details of how things work, according to former colleagues. In 2003, he visited a nuclear-powered aircraft carrier, the USS George Washington, off the coast of Norfolk, Virginia, with Blankfein. While Blankfein remained outside watching the planes take off and land on the 1,000-foot flight deck, Thain went below for a closer look at the gears of the 60,000-ton ship.
Merrill Lynch is Thain's second rescue mission. In 2003, the board of the NYSE hired him as CEO after the abrupt departure of Richard Grasso, who left the exchange under fire for his $190 million pay package. Thain accepted in part because he thought Goldman CEO Henry Paulson would remain in charge of Goldman for years to come, he said at the time to people he worked with. Paulson, 61, became George W. Bush's Treasury secretary in July 2006.
At the NYSE, Thain walked into an exchange steeped in history, not technology. By adding computer capacity and buying electronic trader Archipelago Holdings Inc., he turned a system that had handled about 15 percent of trades electronically when he arrived to one trading more than 85 percent of shares by computer.
Thain assuaged old-school floor brokers, some with exchange seats passed on from their grandfathers, with public shares that rose 30 percent in their first year. He also began the process of taking the exchange global by buying Paris-based Euronext NV, which runs stock exchanges in Belgium, France, the Netherlands and Portugal.
Thain's sixth-floor office in the stock exchange's classical revival-style building on Broad Street displayed some of the gifts he received when he hosted visitors. In one corner stood a Gibson electric guitar, a memento from Led Zeppelin's Jimmy Page. (Thain is a fan.) Regrettably, Thain says, he had to leave that behind because it belongs to the NYSE.
On a wall hung a large painting by Eric Zener showing a man in a dark suit with a briefcase standing on a diving board over a swimming pool. The work was a gift from Thain's wife, Carmen, and now hangs in his office at Merrill. The couple have four children.
Thain is also a beekeeper, and used to keep hives in the backyard of his Rye, New York, estate. (He also owns an apartment in Manhattan.) The bees all succumbed last year to a virus that is killing bees all over the country. In his time as a beekeeper he was only stung once. "They don't sting unless you aggravate them," he says.
Former Merrill Lynch hands are enthusiastic about Thain's hiring. "I was thrilled," Friedberg says of Thain's appointment. "I had been appalled the situation had gotten so out of hand." Friedberg is now a partner at FriedbergMilstein LLC, a New York-based investment house.
O'Neal, the man Thain succeeded as Merrill CEO, still has his defenders. As Merrill's president under Komansky, he steered the company through the aftermath of the Sept. 11 attacks, which displaced thousands of World Financial Center workers for several months.
In 2002, the year O'Neal was named CEO, earnings dried up in a sluggish economy and Merrill's stock plunged 27 percent. O'Neal repaired Merrill's bottom line, in part through savings from cutting jobs. When the markets came back in 2003, the stock rose 55 percent.
By 2006, it still looked to investors like O'Neal was making all of the right choices. He'd reported three consecutive years of record profit.
"O'Neal cleaned up Merrill, and the BlackRock deal was great," says James Ellman, who manages $200 million as president of Seacliff Capital LLC in San Francisco. "But Wall Street is a place where you are only as good as your last trade, and he will be remembered for a breakdown in risk controls."
O'Neal had arrived on Wall Street from the treasurer's office of General Motors Corp. in 1986. At Merrill, he rose quickly, heading the high-yield-bond business, the debt and equity capital markets group, investment banking and securities trading. In March 1998, he became CFO.
That was a turbulent year for financial markets. Russia defaulted on its debt and devalued its currency, and, a month later, Greenwich, Connecticut-based hedge fund Long-Term Capital Management LP declared it was near bankruptcy. Merrill and 13 other banks and securities firms, who were all trading with LTCM, arranged a $3.6 billion bailout to prevent a larger financial crisis.
Merrill said it would fire 3,400 people in the third quarter of 1998, and the charge it took resulted in its first loss in nine years. "The Street had not had any experience with a liquidity crisis like that in 1998," Friedberg says. "But the question is, having lived through it back then, why was Stan not sensitive to the risks building up in 2006 and 2007?"
O'Neal's romance with structured finance began when he decided, as a new CEO in 2002, that Merrill could burnish its name with institutional clients in a relatively new market, CDOs, according to people who worked with him. Structured finance, the creation of complex financial instruments such as CDOs and syndicated loans for sophisticated investors, had been growing for almost a decade.
Banks were moving to sell innovative new securities to insurance companies, pension funds and hedge funds. About $73 billion of CDOs were issued in '02, an amount that ballooned to $388 billion in '06, according to London-based researcher Dealogic Holdings Plc.
In 2002, with Merrill's CDO business ranked 15th in the league tables, O'Neal lured Christopher Ricciardi to his trading floor from Credit Suisse Group, then the top bank in the business. In Ricciardi's first year at Merrill, CDO underwriting rose fourfold to $8.7 billion, driving the firm to third in the rankings, according to Dealogic. The following year, Merrill moved to No. 1.
Ricciardi worked under Dow Kim, co-head of global capital markets, which included fixed-income trading and sales. Kim had been a Merrill Lynch swaps trader in Tokyo, with a healthy appetite for risk, people who worked with him say. His management style was to let his stars go to work for months at a time with few questions asked and then hold them strictly accountable for the results, according to the people. Ricciardi flourished in that environment.
Demand for CDOs backed by subprime mortgages began to wane in 2005. In one of the first signs of a souring market, near the end of '05, American International Group Inc., the world's largest insurer, stopped writing loss-protection contracts, even for top-rated portions of CDOs. In February 2006, Ricciardi left Merrill.
The firm didn't pull back. Instead, it kept an increasing portion of the CDOs it packaged on its own account. By September 2006, Merrill had $17 billion in subprime CDO holdings, another $18 billion in mortgage-backed bonds ready to be parceled into CDOs and another $14 billion in subprime loans waiting to be made into mortgage bonds, according to a person familiar with the situation.
Merrill was also financing $22 billion of subprime mortgages through arrangements with independent lenders, including Agoura Hills, California-based Ownit Mortgage Solutions Inc. and Middletown, Connecticut-based Mortgage Lenders Network USA Inc. (Both would declare bankruptcy in early 2007.)
By September 2006, Merrill's investments and financing related to subprime mortgages and CDOs totaled about $72 billion, more than the company's stock market value at the time.
O'Neal's team was still confident enough in the future of mortgage-backed assets that it went shopping to secure its own supply of new loans. In December 2006, Merrill paid $1.3 billion for San Jose, California-based First Franklin Financial Corp., a company originating $3 billion a month of new subprime mortgages.
In May 2007, Kim quit Merrill to set up a hedge fund, spurring a reshuffling at the top of the firm. O'Neal filled the president's post, empty since he took over, with two men: Fleming, head of investment banking, and Ahmass Fakahany, Merrill's former chief administrative officer.
How far Merrill Lynch's risk management had gone awry became clear in mid-July, when Fleming and Fakahany alerted the board of directors that they might have to take a $500 million writedown on holdings of mortgage-related assets, according to people familiar with the situation. O'Neal saw no reason for alarm. On July 30, he sent a memo to Merrill's 62,000 employees that said, "We're very comfortable with our current exposure to this asset class."
On Aug. 9, the board heard again from O'Neal's lieutenants, this time in a memo doubling their estimate of losses to $1 billion, according to the same people. Hedging strategies were in place and third-Ôquarter revenue from Merrill's fixed-income, currency and commodities department, which administered CDOs, would increase from the prior year, they said.
The man in direct charge of Merrill's massive CDO machine was Osman Semerci, a 40-year-old Turk who took over Merrill's fixed-income division in July 2006. In August 2007, with the market convulsing, Semerci tried to buy insurance on Merrill's CDO bonds. MBIA Inc., the world's largest bond insurer, at first refused to offer a contract at all. On Aug. 28, Semerci and three others boarded Merrill's helicopter for a flight to MBIA's corporate campus in Armonk, New York.
That afternoon, MBIA CEO Gary Dunton agreed to insure $5 billion of Merrill's CDOs. MBIA is itself struggling to keep its top bond rating. Its stock dropped 75 percent percent in 2007, even after a $1 billion infusion of cash from private equity firm Warburg Pincus LLC.
Semerci left Merrill on Oct. 3, 2007.
The $1 billion estimate of losses predicted in August turned out to be far too optimistic. On Oct. 5, Merrill Lynch said it would write down about $5 billion in assets. Just 19 days later, on Oct. 24, the company announced an actual writedown of $7.9 billion, plus another $456 million on its leveraged loans to private equity shops and hedge funds.
O'Neal stepped down on Oct. 30.
The company lost $2.24 billion in the third quarter, its biggest-ever quarterly loss, and its credit ratings were cut.
Fleming was still telling colleagues as late as Sept. 23 that Merrill wasn't taking enough risk, according to an email he wrote on that day. Its subject line read, "Goldman: one off gains in China mining company."
Fleming pointed to Goldman Sachs's gain from its investments in a Chinese coal mine and questioned why Merrill was missing such opportunities. "They have such a backlog of these investments because they never pull back," he wrote.
Former colleagues say that in August and September, O'Neal held frequent emergency meetings to try to blunt the CDO debacle. He also found time for recreation. In the six weeks from Aug. 12 to Sept. 30, as Merrill Lynch's losses mounted, O'Neal played 20 rounds of golf on at least five different courses, according to the U.S. Golf Association's Web site. His handicap dropped to 9.1 from 10.2 during that period.
On an earnings-day conference call with analysts in late October, O'Neal repeated five times that Merrill had made mistakes. It wasn't enough to save his job. After Merrill made a two-week search, Thain was handed the reins.
MF Global's Butte says Thain is better prepared to lead Merrill now than he would have been before working at the NYSE. There, she says, he had to learn to get comfortable with listed company executives, shareholders and the press in a role that included ringing the exchange's opening and closing bell hundreds of times. "He became less stiff as he focused on interacting with people," she says. "With retail brokers, you need that personal touch."
Thain agrees that the NYSE prepared him for a more public role than he ever had to assume at Goldman Sachs. "One of the skills I picked up was being able to be on live TV and be comfortable," he says.
Charles Mangano, Merrill's global head of corporate marketing and brand management from 1995 to 2001, says Thain should look back to the leadership of Daniel Tully, who was CEO from 1993 to '96, and Komansky, as he seeks to mend morale and reinvigorate the stock. O'Neal, he says, didn't understand the power of the company's iconic brand.
Mangano, 53, recalls the 1970s, when Merrill gained customers with an advertising campaign claiming to be "Bullish on America." The TV ads featured a bull sauntering through a china shop without disturbing a single teacup. "It was about intelligence and optimism," Mangano says. "It became known around the world. Heads of state to the average Joe in Des Moines, Iowa, knew who Merrill Lynch was. When Merrill is firing on all cylinders, it's a very powerful organization."
Thain is already looking at Merrill's history for guidance. On Dec. 5, he hosted a lunch for several of its former top executives, including: William Schreyer, who was CEO from 1984 to '92; Winthrop Smith, a former head of Merrill's international brokerage; John "Launny" Steffens, former head of the private client group; Friedberg; and Komansky. Tully was unable to attend.
Thain says he's ready to get Merrill's cylinders pumping again. Still, unless he fixes the breakdown on the fixed-income desk, there may be less vigorous applause the next time he visits the trading room.


text: I tried to walk away from a guy selling a beat up bike But I failed. That being said, I now own a 197? Italvega, Petina or metalic green color with "designed by Toressini" decals, Superlight cranks, leather grips (which I like) Fiamme clincher wheels. Please see pictures below. Any information would be appreciated. Mahalo!


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Visual Studio 2012 New Features: Code Clone Analysis
In my travels across the country, with my fellow Evangelist, Clint Edmonson, talking about Visual Studio we often come across great stories to tell. One of our favorite true stories is of a customer that had a web application running very slow. We ran code metrics against it and, sure enough, the Page_Load...
28 Jun 2012
Blog Post:
Visual Studio 2012 New Features: Quick Launch
In the past, finding things deep in the IDE has been a challenge. Visual Studio 2012 introduces search abilities at virtually every level of the product. Perhaps the biggest change is the introduction of Quick Launch (CTRL + Q) which specifically addresses how to dig inside Visual Studio to find features...
26 Jun 2012
Blog Post:
Visual Studio 2012 New Features: Solution Explorer
I love the title of this one because I'm sure someone will read this and wonder why I think Solution Explorer is a "new" feature. I mean, haven't we had this sucker for a billion years? Aren't there cave drawings in France about this feature? So why is it "new"? Let me show you...
21 Jun 2012
Blog Post:
Visual Studio 2012 New Features: Preview Tab
Preview Tab Overview We all explore code and need to move quickly between files when examining code to get familiar with it or debugging or [insert file browsing scenario here]. In prior versions of Visual Studio you had to open a file to look at the contents which often resulted in many open...
19 Jun 2012
Blog Post:
Visual Studio 2012 New Features: Improving User Stories and Requirements with PowerPoint Storyboarding
For Visual Studio Premium and Ultimate users there is a great new add-in for PowerPoint that can really help you called the PowerPoint Storyboarding add-in. Using this feature you can quickly draft an interface design and get stakeholder feedback. Plus, since it's PowerPoint, even stakeholders...
7 Jun 2012
Blog Post:
Visual Studio 2012 New Features: Compatibility (aka Project Round-Tripping)
Now that Visual Studio 2012 is pretty well baked I thought it would be good to start revisiting some of my favorite features again and introduce new ones. Since project round-tripping is one of my most favorite features I thought we would start with it. The Dark Ages In all...
5 Jun 2012
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Community Status Updates
Wmute, it looks to be a good book. It might even contain some tricks to further your quest to modify your cars controls. I'll get a copy after my CC balance drops to acceptable limits.Dec 12 2008 10:06 PM
BinRev is hosted by the great people at Lunarpages!


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Tag Archives: Great Society
Department of Illiteracy
One of the tragic legacies of the Great Society is the violence inflicted upon the family as an institution. Through a series actions, calculated or not, the family has been devalued as the bedrock of civil society and replaced with … Continue reading
Posted in Constitutionally Limited Goverment, Politics Tagged government, Great Society, loco parentis, poverty Leave a comment
Has Johnson's "Great Society" Helped or Hurt the US?
In fiscal year 2011, the U.S. government spent $910 billion on 70 means-tested programs, which comes to an average of $9,000 per year on every lower-income person in the United States. Among the major programs from which the poor receive … Continue reading


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Forced Retirement at 65 Could Be Unlawful; DISCRIMINATION European Court of Justice Ruling May Not End Affair LEGAL
Byline: TOM SCOTNEY Legal & Finance Editor
Despite recent reports an employee of a West Midland stationery company is on the payroll at 96, it remains the case employment beyond 65 is not common in UK industry.
The introduction of age discrimination laws in 2006 has affected the work place, with policies and practices that disadvantage particular age groups having disappeared.
Despite this, the exception in age discrimination regulations which permits compulsory retirement at 65 means an employee's working life coming to an end in their 60s remains the norm.
Compulsory retirement, which amounts to an employee being dismissed because of age, is considered by some a blatant form of discrimination and barrier to achieving a culture where people of all ages are treated equally.
It is perhaps unsurprising, therefore, the legitimacy of the rules which permit this are being challenged with Age Concern's campaigning arm, Heyday, claiming UK age discrimination laws breach European Law.
The saga over retirement age took a step forward when the advocate general of the European Court of Justice delivered his opinion of Heyday's claim. Employers should treat with caution, however, reports which suggest the Heyday challenge has reached the end of the line and UK compulsory retirement rules are safe. In fact, the case could still make compulsory retirement at 65 unlawful in both the public and private sectors.
To start with, the recent opinion is not binding on the judges of the European Court who may either follow it or decide something different. The full court's judgment is not expected until early next year, so no rash decisions about the proper approach to retirement policy should be taken before then.
More importantly, even if the court does agree with the advocate general's rejection of a number of Heyday's technical arguments about the legitimacy of the rule which allows compulsory retirement at 65, the case will still return to the UK High Court for it to conduct its own assessment of whether the rule is objectively justified. …


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Blog Entry
Sid does it again
Posted on: February 28, 2010 8:06 pm
I was recently having a conversation with my soon to be wife, who is from Pittsburgh, about how Sidney Crosby drives me crazy. He is recongnized as the greatest player, at least from North America, playing in the NHL today. But to me, when you watch him play, its not like he wows you on the ice. I mean when Wayne Gretsky played, he was far and away the best player and you were reminded of it every time he was on the ice. He could just comand attention and he was so skilled that you wanted to watch him to see what he was going to do next. But Crosby to me just doesn't have that, he doesn't make me jump up in my seat when he is playing. But what makes him great is that he NEVER fails when the situation is important. The guy is a flat out winner. The gold metal game in Vancouver is just another example. He was quiet the whole game. I don't think I even heard the anouncers mention his name more than a couple times all game, than in the third period he almost won the game on a break away, and then when overtime started, I told my girl, you watch, Crosbys got this game. And sure enough, out of nowhere, he comes out of the corner and gets a pass and he is all alone in front of the net. It almost wasn't on camera it happened so fast. He is the one player you want on your team when the game is on the line, thats why I hate him!! But I have to give him his due.
Category: Olympic Games
Tags: canada, Sidney Crosby, usa


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The 2015 Subaru Legacy makes for a comfortable and capable midsize sedan, handling day-to-day driving with ease, then adding unique features such as all-wheel-drive that set it a cut above the competition.
The following cars represent the most technically advanced available.
We can deal with the 2014 Subaru Legacy 2.5i Limited not being as fast as it should, but we can't abide its lack of cabin and safety tech.
Hedy Lamarr was more than just a 1940s Hollywood movie star. She was also an inventor who helped developed technologies that made Wi-Fi possible today.
Women played a key role in helping create the Macintosh. Some of the women on the original Mac team share how Jobs pushed them to extraordinary levels of creativity.
Apple's chief design guru shares insight into what it was like to collaborate with Apple's co-founder.
Despite a lukewarm reception for "Tron: Legacy" in 2010, Disney is reportedly moving forward with plans to make a third "Tron" movie, featuring "Legacy" leads Olivia Wilde and Garrett Hedlund.
Better safe than sorry: give someone you trust the keys to your profile page in case the worst happens.
Your posthumous profile page can now be managed by someone you designate to handle that part of your online legacy.
With the tragic passing of Nintendo President Satoru Iwata, GameSpot's Danny O'Dwyer looks back at his remarkable life, and the lessons that gamers and developers should learn from it.
SkyMall's bankruptcy could leave a gaping hole in the hearts of airplane travelers who lust after nutty items like Bigfoot garden statues and luggage that doubles as a scooter.


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Aside from comfort, men s T-shirts should be as complementary as butter on bread. Compliment your dad, boyfriend, or husband by purchasing clothing that has been a staple favourite evolving from one-piece...
Funny T-shirts for adults Is there any piece of clothing more versatile than the T-shirt? You can buy smart, designer numbers to wear out for cocktails, shabby band T-shirts for lounging around the house,...


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Corsair 8GB PC10666 1333mhz DDR3 SODIMM Kit 2x4GBItem#: C13-6172 | Model#: CMSO8GX3M2A1333C9
- List Price:
- $54.99
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Additional Resources
Corsair 8GB PC10666 SODIMM Laptop Memory Product Details
Corsair PC10666 RAM
The Corsair PC10666 RAM is Corsairs mainstream SODIMM memory solution for DDR3 Laptops. The Corsair PC10666 RAM is designed for current generation notebooks, mini-PCs and netbooks, Corsairs new high density SODIMMs allow users to maximize memory bandwidth and minimize performance bottleneck to deliver superior user experience. Corsair SODIMMs are optimized for the Microsoft® Windows® Vista client operating system. The Corsair PC10666 RAM comes with two memory modules, each with a capacity of 4GB. So if you want to add 8GB of RAM to your laptop be sure to pick up the Corsair PC10666 RAM today!
What It Is & Why Do You Need It?
- 8GB memory kit (2x4GB) for DDR3 Laptops
- 1333MHz
- Optimized for the Microsoft Windows Vista client operating system
Additional Resources: Product Manuals
Manufactured by: Corsair
Warranty provided by: Corsair
Limited Warranty: This product has a Lifetime Limited Warranty.
Mfg Part No: CMSO8GX3M2A1333C9
UPC No: 843591007108
Box Size: ( Length:4, Width:4, Depth:0)
Shipping Weight: 0.3400 pound(s)
Click here for full warranty and support information
- Limited Warranty: A full text version of the limited warranty
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An El Paso man was arrested Friday on suspicion of sharing child pornography with another man in Maine, El Paso police said.
A multi-agency investigation, including the El Paso Police Department, the FBI office in El Paso and the Presque Isle (Maine) Police Department, started in December 2013 when they received information that two men, who were portraying themselves as 15- and 16-year-old girls, were allegedly sharing images of child pornography through a web site, police said.
"This case is yet another great example of the cooperation between various levels of law enforcement in the investigation of these types of web based crimes," Commander Patrick Pelletier of the El Paso Police Department's Internet Crimes Against Children unit said in a statement. "Just like the internet can reach across the country so does law enforcement. Criminals who choose to exploit children should take note of this case and accept the reality that if they choose to commit these types of crimes they will be identified, located and prosecuted."
During their investigation, law enforcement found a laptop computer, which allegedly had child pornography on it, left as collateral for a loan at a pawn shop in Maine. The laptop was allegedly owned by 34-year-old Cecil Ireland of Presque Isle, Maine, police said.
Further investigation by Presque Isle (Maine) and El Paso police departments identified 27-year-old Rodolfo Carrillo of El Paso, as one of the men that allegedly shared the child pornography, officials said.
A search warrant was executed on Carrillo's home, where police allegedly found a thumb drive belonging to Carrillo with a video of child pornography on it.
Carrillo was arrested on suspicion of possession of child pornography with intent to promote. He was booked into El Paso County Jail on a bond of $70,000.
Ireland was arrested March 10 in Maine on suspicion of possession of sexually explicit material involving child pornography.
Aaron Martinez may be reached at 546-6249.


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The following PowerPoint presentation has been gathered to assist local public health agencies in learning more about the links between planning and health, as well as provide resources for LHD staff to educate others at the local level. Please download these resources and modify them to better address your local needs.
Healthy Community Design Toolkit
Environmental Health in All Policies (HiAP)


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Ready for weight loss? Here are some tips to set you on the right path
Beginning a diet to lose weight and improve health is a worthy goal, but it can be a bit overwhelming. There are bound to be challenges whenever you start something new, especially when it involves something you do several times each day -- like eating and drinking.
Still, as long as you don't try to change everything at once, you can meet your weight loss goals. Read on to learn some secrets of the masters -- those who have lost weight and, more importantly, kept it off. After all, what good is losing the extra weight if you gain it right back?
1. Follow a Healthy Eating Plan
A healthy eating plan (like the WebMD Weight Loss Clinic plan) should include foods you enjoy along with plenty of healthy, not-too-processed foods like fruits, vegetables, whole grains, low-fat dairy, lean meats, seafood, beans, and nuts. Thanks to their ability to satisfy, these low-calorie foods will actually help you stick to your diet. The most satisfying foods have lots of fiber (like fruits, vegetables, whole grains, beans, and nuts) and/or low-fat protein (found in meat, fish, dairy, and soy).
Ideally, you'll slowly wean yourself off favorite foods that are heavily processed and high in fat or calories, and replace them with more nutritious options. At any time during this process, feel free to come up with a new eating plan that increases some healthful foods and decreases others. It's best for WLC members to create a new plan at the end of the week. When you do so, the WLC electronic journal wipes your slate clean.
Don't worry if you are a vegetarian, or have allergies or intolerances. Your personalized WLC eating plan may not include all of the recommended food groups, but it will provide adequate nutrients. We recommend that everyone take a daily multivitamin/mineral supplement to fill in any nutritional gaps.
2. Take Baby Steps
Change is hard. Making small, gradual changes in your eating patterns is the best way to overhaul your diet. Some experts suggest making just one change each week, to give you time to get used to the new behavior. Your ultimate goal is to establish new eating habits that can be sustained for a lifetime.
An excellent way to start is to stock your cupboards and refrigerator with healthy foods, and plan to prepare healthier meals at home. Pick up a new cookbook or cooking magazine specializing in healthy cuisine; post a favorite family recipe on the WLC "Recipe Doctor" board for tips on how to lighten it; or try one of the recipes from the Weight Loss Clinic collection.


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Robinson Crusoe On Mars: The Criterion Collection Blu-ray
Price $39.95
0.00.0(No reviews)Write a Review
This science fiction classic, based on the novel by Daniel Defoe, tells the story of an astronaut and his monkey companion as they try to survive the rugged conditions on the planet Mars. A true must-see masterpiece. Starring Paul Mantee, Victor Lundin, Adam West and the Wooley Monkey.
Additional Details
DirectorByron Haskin
Primary CastVic Lundin Paul Mantee Adam West
GenreScience Fiction
Production Year1964
Technical Specs
- Format: Blu-ray
- Rating: Not Rated
- Number of Discs: 1
- Run Time: 110 Minutes
- Region: A
- Aspect Ratio: Widescreen
- Studio: Criterion
- Blu-Ray Release Date: January 11, 2011
- Audio: ENGLISH: PCM Mono
- Color: Color
Restored high-definition digital transfer, with uncompressed monaural soundtrack
Audio commentary featuring screenwriter Ib Melchior, actors Paul Mantee and Victor Lundin, production designer Al Nozaki, Oscar-winning special effects designer and Robinson Crusoe on Mars historian Robert Skotak, and excerpts from a 1979 audio interview with director Byron Haskin
Destination: Mars a video featurette by filmmaker and space historian Michael Lennick detailing the science and dreams behind the film
Music video for Lundin's song Robinson Crusoe on Mars
Stills gallery
Theatrical trailer
PLUS: A booklet featuring an essay by Lennick as well as Melchior's Brief Yargorian Vocabulary (a glossary of original alien dialect) and a list of facts about Mars, both from his original screenplay
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- Colors
Sharpens edges so you can slash across icy slopes without sliding like a noob.
All shred and no tune makes Jack's edges dull. Good thing OneBallJay created these Steel Files for sharpening those bad-boys to a fine finish. Two lengths of files gives you the option to choose your poison to match your tuning preferences. Just grab an edge guide and a little duct tape, and use these steel tools to bring your snowboard edges back to life.
Share your thoughts
Ben Rabinowitz, Gearhead
Tune and Detune
- Familiarity:I've used it once or twice and have initial impressions
Mainly use this guy for sharpening my ice tools, but will probably use it on my skis as well. To be completely honest, it's no different than any other single-cut bastard file, but the price is pretty reasonable.
Just remember; files cut on the *push* stroke, not the pull stroke!
- Familiarity:I've used it several times
it pretty good, i mean the 8in one is at least to me but everyone is different. but i like it for the tip and tail of my snowboard :P
Michaelsoft_, Employee
standard file, does the trick to get your edges all grinded down!


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NV Asti DOCG, Fontanafredda..(6x75cl)
An aromatic, sparkling wine with notes of musk, sage and honey on the nose and a taste of just picked grapes.
2012 Marne Brune, Nebbiolo d'Alba DOC, Fontanafredda(6x75cl)
Nebbiolo Marne Brune stands out for its fragrance, which is already evident in its ruby-red colour of varying intensity depending on the vintage, and is confirmed on the nose by bouquets of flowers and wild fruit, and on the palate by its strong personality and dry, nicely almond-like taste.
2014 Barbera d'Alba DOC Raimonda, Fontanafredda(6x75cl)
Deep garnet in colour with a subtle nose of red berry fruit. Soft and elegant on the palate with fine ripe tannin and a complex finish.
2010 Barbaresco DOCG, Coste Rubin, Fontanafredda(6x75cl)
Barbaresco is a wine which demands attention and respect: for its prestigious history, which is the result of hard work, but above all on account of the splendid sensations it offers in the glass. It has a brilliant garnet-red colour, while the bouquet is complex, with ethereal, spicy overtones on well-balanced wood, intense vanilla, cooked fruit and cinnamon. Its deep, velvety and well-balanced flavour lingers on the palate, confirming the long ageing process which combines lavish nature with great technical skill.
2011 Barolo DOCG, Fontanafredda(6x75cl)
Classic dark 'tar' and perfumed 'roses' on the nose, light in colour but with great power, concentration and well balanced ripe tannins. This is a wine to match with rich foods and game dishes.
2014 Gavi di Gavi DOCG, Fontanafredda(6x75cl)
One of Italy's most fashionable whites, it is noted for acute dryness and fresh, flinty acidity. This is a bright straw-yellow wine with greenish highlights. It has a full, delicate, elegant bouquet which brings flowers and fresh fruit to mind - mostly lemons, lilies of the valley and green apples. Its palate is attractively young, dry, fresh and well-balanced.
2011 Barolo di Serralunga d'Alba DOCG, Fontanafredda(6x75cl)
Blood red with ruby highlights, it has a clear-cut, intense nose with overtones of vanilla, spices, withered roses and underbrush. The palate is dry, but soft, full bodied, velvety and well balanced, and is engagingly complex throughout the lengthy finish.
2010 Barolo DOCG, Vigna La Rosa, Fontanafredda(6x75cl)
The Vigna La Rosa Barolo is harmonious, well-rounded and elegant in taste; its very fine and delicate bouquet is reminiscent of faded roses and, with the ageing process, tends to acquire a pronounced earthy style but with a velvety sort of taste.


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244-horsepower 3.5L V6 w/DoD 5-speed automatic FWD
|13000 mi
|Transmission leaking. Dealer replaced the left-side transmission axle seal. No recurrence of leak after approximately 2500 miles.
|163000 mi
|Transmission would not shift correctly from R to D4. Also would not engage smoothly from 1st to 2nd. Transmission was torn down -> suspected root cause is failed shift solenoid(s) which also resulted in premature wear of clutchpack discs.
244-horsepower 3.5L V6 5-speed automatic FWD
|13000 mi
|A seal located where shifter cable enters transmission case was leaking.
240-horsepower 3.5L V6 5-speed automatic FWD
|103000 mi
|Transmission needed to be replaced.
6-cylinder automatic 2WD
|74000 mi
|Transmission was slipping. Made service appointment where a bad transmission was diagnosed. Dealer kept the vehicle and the repair was completed within 3 days.
|97000 mi
|Transmission completely failed at 65 mph on highway. Unable to move out of traffic. Towed to Honda dealership for repair.
|43400 mi
|transmission defect again (3rd time)
Engine not specified
|98000 mi
|Tranmission went bad.
210-horsepower 3.5L V6 4-speed automatic FWD
|89280 mi
|Worn out clutch pack on the third gear causing the vehicle to slip out of 3rd gear
|129000 mi
|traction Control light and check engine light on, intermittent transmission slip. contacting Honda for assistance.
|130000 mi
|Decided that transmission was getting worse, so went in to set up appointment to replace and have transmission ordered. Called Honda for assitance and got "good will" of all parts paid by Honda with me paying for labor. Took back to have transmission replaced. Replaced the transmission again after it failed after 215 miles. No cost, under 3yr/36,000 warenty.


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What Will Vice President Biden Find in China? Take Two
In her latest post, my colleague, Liz Economy, asks: What will Vice President Biden find in China? I thought I'd try out my own response to this very direct question:
1. Biden will find a China whose rise depends on economic growth but whose growth model is no longer sustainable.
Bluntly put, China's leaders know that their capital-intensive, export-oriented approach is delivering diminishing returns and threatens to become a major political vulnerability for the government. The global economic crisis provided clear evidence that China's export-driven economy is vulnerable to dips in demand in the rest of the world. Meanwhile, its dependence on investment has introduced distortions and imbalances into the Chinese economy.
Why should this matter to Biden and the United States?


text: HomeLinking Math and Literature Activity Cards Only Linking Math and Literature Activity Cards Only Rate This Item... $39.95$19.95Kaplan Early Learning Company • In Stock • --QuantityOptionGrades 2-3Grades 4-5Have a question? Chat Live!Add to Cart AboutIncludes 20 lessons on card ring and notebook binder with reproducible pages. Trade books are available separately.


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Select Local Merchants
Sunlight Of The Spirit Yoga StudioRead MoreAs the owner of Sunlight Of The Spirit Yoga Studio, Diane Davey teaches her clients that they can be any age, weight, or ability level and still excel at yoga. Armed with with a 500-hour RYT certification and direct training from experienced yogis, she takes an approach in classes that focuses on accessibility. Diane teaches a style called Modern-Day Yoga, which blends Eastern and Western yoga styles and philosophies into flowing sequences of poses. Having trained directly with the style's founder, Diane has been able to add her own relaxing touches to the form, including holistic healing techniques such as deep-breathing and meditation. The studio helps put its students in the appropriate state of mind with a calming color palette of yellows, earth tones, and blond wood. Silk curtains hang alongside floor-to-ceiling windows to let in ample natural light while ensuring the space stays private and silkworms don't have to get second jobs.685 Morris TurnpikeSpringfield, NJ US
Access Driving SchoolRead MoreFrom the passenger seats of two 2012 Toyota Corollas, Access2Drive Driving School's English- and Spanish-speaking instructors dispense valuable advice about every aspect of four-wheeled transportation. During hands-on lessons, students of all ages take the wheel to practice parallel parking and find a parking space that's not in the middle of a monster-truck arena. Students satisfy the state's pre-licensing mandate with five-hour courses that span topics such as driving within the transportation system and developing appropriate habits and skills. Those who enroll in the school's defensive-driving course get 10% off on any insurance purchased in New York for a period of three years.219-05 Merrick BoulevardLaurelton, NY US
No Body Denied Training ZoneRead MoreShould a large-scale alien invasion start snatching up people and businesses with tractor beams, NBD Training Zone would be in no danger of floating away. The weighty array of free weights makes for well-rounded workouts when combined with a jog on the sprint track. While the gym allows for self-guided workouts, exercisers aren't left to sweat on their own. In addition to offering personal training, the fitness instructors lead more than 80 group fitness classes each week, including cycling and yoga. They even teach classes specifically designed for athletes and kids, who most scientists agree will one day turn into adults.901 Mountain AveSpringfield, NJ US
Bhakti Barn YogaRead MoreThe walls of Bhakti Barn Yoga bloom with poppy-red and robin's-egg blue, reflecting nature's outer beauty in a space teeming with natural light. Ganesha, the Hindu god of wisdom, dances above yogis in a vibrant mural, waving his arms in encouragement as students stretch theirs skyward to slap him a high-five. Experienced instructors guide students of all levels through meditative Kundalini routines and flowing Vinyasa sequences. Cores grow during Bhakti Basics sessions, which teem with fundamental poses, deep-breathing exercises, and alignment pointers. To promote community and keep stress at bay, teachers pepper classes with calming tea breaks.158 Spring StMillburn, NJ US
Fit-Well Personal TrainingRead MoreNo one ever said exercising is easy, but it can be fun at Springfield's Fit-Well Personal Training. The benefits of a personal trainer are undeniable, and when you seek their help, you'll have a body you didn't believe you could achieve. Tone your body and strengthen your core with a group kickboxing class. A great body starts with an excellent program of cross fit. Parking is plentiful, so visitors can feel free to bring their vehicles.37 Mountain AvenueSpringfield Township, NJ US
Millburn Short Hills AthleticRead MorePump it up! At Millburn Short Hills Athletic in Millburn, you'll always have an awesome workout with top of the line equipment. These kickboxing classes incorporate a combination of self-defense fundamentals and cardio, providing you with a challenging full-body workout. Parking is plentiful, so guests can feel free to bring their vehicles.12 Holmes StMillburn, NJ US


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"Shariah Investing: Reliance Through Europe"
In the sixth edition of its Shariah investment series "Shariah Investing: Reliance Through Europe", SEI Investments Middle East has revealed that at the end of June 2010, the MSCI World Islamic Index was again outperforming the MSCI World Index and the Shariah Index continued to be the stronger performer over the last 13 challenged quarters.
The report discusses:
• Sovereign debt market troubles, global equity market slumps and continued doubts about economic recovery have marked the second quarter of 2010
• The MSCI World Islamic Index's allocation to low-debt companies, non-financial stocks and avoidance of some of the more volatile securities continues to work in its favor
• Throughout the credit crisis, Shariah indices have consistently benefited from limited allocations to the financial sector
• Although by no means immune to market dips, more stringent stock selection criteria means Shariah investing generally reacts with less volatility. As the uncertainly about the future of the markets continues, Shariah investors may continue to be advantaged because of this
• SEI continues to have a favorable outlook, particularly toward high-quality assets in both the fixed-income and equity markets and considers the favoring of low-debt companies and high-quality stocks remains a positive investment strategy for Shariah and non-Shariah investors alike
Top Headlines
- Elfina to promote Reliance Money's shariah-compliant portfolio management scheme in UAE
- Shariah Investing: Focusing on Fundamentals
- World markets react favorably to end of diplomatic wrangling over Iraq
- Islamic Global Real Estate Securities Fund, NBK Unique and Unmatched Shariah Compliant Fund started investing Globally
- SALAMA ties up with BNP Paribas Investment Partners to provide a bouquet of Shari'ah compliant funds to its customers


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I'm a cool person, I'm the person that likes to relax on the couch and cuddle but Ill go out sometimes, I have a 1 in a million personality, outgoing and a hardworker, and also very independent own place , car and etc. no kids.....anything else just ask.
Join OkCupid
Find better matches with our advanced
Find better matches with our advanced
matching system
—% Match
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25 • Houston, TX • Man
I'm looking for
- Women
- Ages 18-24
- Near me
- Who are single
- For new friends, long-term dating, casual sex
My details
- Last online
- Oct 24, 2014
- Orientation
- Straight
- Ethnicity
- Black
- Status
- Single
- Height
- 6' 4" (1.93m)
- Body Type
- Athletic
- Smoking
- No
- Drinking
- Socially
- Drugs
- Never
- Religion
- Christianity and it's important
- Sign
- Leo
- Education
- Working on Post grad
- Offspring
- Might want kids
- Speaks
- English
My self-summary
Write a little about yourself. Just a paragraph will do.
What I'm doing with my life
Don't overthink this one; tell us what you're doing day-to-day.
I'm a jr at Tsu pursuing pharmacy and psychology (double major) I wrk two jobs and so far I have reached all my life goals and dnt plan to stop no time soon.....anything else just ask
I'm really good at
Go on, brag a little (or a lot). We won't judge.
I play basketball,baseball and football I'm good at all sports I'm also good at many other things also like psychology, statistics almost anything school related but sports are my favorite.....
The first things people usually notice about me
I'm an empty essay… fill me out!
How tall I am
Favorite books, movies, shows, music, and food
Help your potential matches find common interests.
I like any book, movie, music, and ill try new things all the time as for food
The six things I could never do without
Think outside the box. Sometimes the little things can say a lot.
My car
My money
My car
My money
I spend a lot of time thinking about
Global warming, lunch, or your next vacation… it's all fair game.
My goals, What ive achieved, what I'm achieving, & What I am going to achieve
On a typical Friday night I am
Netflix and takeout, or getting your party on — how do you let loose?
Either at home watching a movie or out at a movie lol
The most private thing I'm willing to admit
I'm an empty essay… fill me out!
Just ask me.....
You should message me if
Offer a few tips to help matches win you over.
You are in to tall men with great personalities, and who's doing what they have to do in order to succeed in life
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- Jessa Duggar shares a rare photo of her brother Josh Duggar's daughter Meredith - US Weekly
- Michael Lohan's estranged wife Kate Major is detained by cops at an airport - TMZ
- Is there something between Ben Affleck and Halle Berry? - Gossip Cop
- The Hunger Games author Suzanne Collins says goodbye to the popular series after the final movie is released - Just Jared Jr
- What happened backstage with Kylie Jenner at The Ellen Show? - Radar
- Bryan Cranston tears up over a Breaking Bad memory - Huffington Post
- Leonardo DiCaprio's Oscar race heats up - Lainey Gossip
- The Captain America: Civil War movie may be better than the comic book - The Hollywood Reporter
19 May 2014 at 2:12 PM
Rosario Dawson Smells Like Roses at 'Expendables 3' Dinner!
About this photo set: Rosario Dawson keeps it floral while attending the Expendables 3 dinner during the 2014 Cannes Film Festival on Sunday (May 18) in Cannes, France. Earlier in… Read More Here
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Posted to 2014 Cannes Film Festival, Rosario Dawson


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In 1904, Morocco is the source of conflict by the powers of Imperial Germany, France, and the British Empire, all of whom are trying to establish a sphere of influence in that country. Mulai Ahmed er Raisuli (Sean Connery) is the leader of a band of Berber insurrectionists opposed to Sultan Abdelaziz and his uncle, the Bashaw of Tangier, whom Raisuli sees as corrupt and beholden to the Europeans. He kidnaps Eden Perdicaris(Candice Bergen) and her children, William (Simon Harrison) and Jennifer (Polly Gottesman) from their home, after murdering Sir Joshua Smith, a British friend of Eden's. Raisuli then issues an outrageous ransom, deliberately attempting to provoke an international incident in order to embarrass the Sultan and trigger civil war.
Back in the United States, President Theodore Roosevelt (Brian Keith) is struggling for re-election, and decides to seize the kidnapping as both a political tool (coining the phrase "Perdicaris alive or Raisuli dead!") and as an effort to flex America's military muscle as a new power - despite the protests of his cautious Secretary of State, John Hay (John Huston). The American Consul to Tangier, Samuel Gummere (Geoffrey Lewis), is unable to negotiate a peaceful return of the hostages, so Roosevelt sends the South Atlantic Squadron, under the command of Admiral French Ensor Chadwick (Roy Jenson), to Tangier, either to retrieve Perdicaris themselves or to force the Sultan to give in to Raisuli's demands. Over the course of time, however, Roosevelt finds himself gaining more and more respect for Raisuli, thinking of him as an honorable man who just happens to be his enemy.


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Sarah Silverman's mom, Beth Ann O'Hara, died last Wednesday (Aug. 19, 2015) at the age of 73.
Sarah Silverman hates magic so much that it sends her into a fit of rage.
Ireland has become the first nation in the world to legalize same-sex marriage by popular vote, and celebrities are overjoyed by the historic decision, expressing their excitement on social media.
Walking alongside traffic in a busy city is hard. Just ask Nicole "Snooki" Polizzi.
On Saturday, Sarah Silverman retweeted a list of rape prevention tips aimed not at potential rape victims but at potential rapists.
Rashida and Rob's Final 'Parks'
Photos from Rashida Jones and Rob Lowe's last 'Parks and Rec' ever.
Pawnee and Hollywood are in mourning.
According to TMZ, writer and comedian Harris Wittels, who served as…
Happy 2015! It's time for the funniest celeb pics of the week!
Each week, we bring you the most hilarious celebrity photos from the last seven days. This week, we found photos of your favorite celebs like Gwen Stefani and Taylor Swift that you can't miss! Take a look at our gallery to…
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We've rounded up some of the best and most insightful celebrity tweets from the past 24 hours.
Kanye West comments on John Galliano's hiring, Dianna Agron and a tasty treat, Matt Bomer wants you to tune in, plus more fascinating celebrity Twitter posts and words of wisdom below.
Following Chris Pratt and his stellar hosting job on last week's season premiere of Saturday Night Live could not have been easy for Sarah Silverman.
Thing is, Sarah knows exactly how lucky SNL was to have her and she proved it each and every time a quip left that amazingly smart-ass mouth of…
Can you believe it's been 20 years since Sarah Silverman worked on Saturday Night Live?
She was a writer and player for just one season before she was let go (none of her work aired).
Round two of Silverman on SNL is this Saturday, when she serves as host. On Wednesday,…
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Hilary Duff and some album news, Stephen Amell and baby selfies, Olivia Wilde makes a good point, plus more fascinating celeb twitter posts and words of wisdom below.
Let's face it. Guillermo is the best thing about Jimmy Kimmel Live.
Which is why I'd like to bring your attention to the bit Guillermo filmed during Monday's Emmys.
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He stars on a show about unlocking the secrets to the female orgasm and she once wrote a song about staying in on a Friday night and masturbating, so, I guess it's as good a match as any. Michael Sheen and Sarah Silverman are dating.
Thank god for the World Wide Web of Haters. Without it, celebrities' ginormous egos might burst. Now, no one is advocating cyber bullying here but in the name of good ol' self-deprecating fun, Jimmy Kimmel's entertaining segment 'Celebrities Read Mean Tweets' is back and it's worth a watch.


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This is a book featuring photographs of amazing birds and beautiful cactus blooms.
I consider myself an amateur photographer who loves photographing birds and desert plants.
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Intimate Portraits of the Remarkable Gilded Flickers Published June 03, 2014
Desert Images From Dove Mountain Published October 06, 2013
Desert Images Published August 03, 2013
Desert Birds & A Few Cactus Published August 01, 2013
A Journey Through Nature Published March 18, 2012
Backyard Avian Visitors Published January 14, 2012


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The Chicago Bulls were out of sorts long before Derrick Rose hobbled off the court at the end of the game.
The MVP's ankle injury was just added to their pain.
Joe Johnson scored 34 points and Atlanta beat top-seeded Chicago 103-95 on Monday night in Game 1 of the Eastern Conference semifinals.
"Joe really got on a run," Rose said. "He hit a couple of tough shots."
The Bulls, meanwhile, came out flat to start the game and couldn't pull it out in the end. As if that wasn't bad enough, they got a big scare at the end of the game when Rose turned his left ankle and came up limping. He stepped on Jamal Crawford's foot as he dribbled out the final seconds and was helped off by teammates and a trainer, casting a cloud on a night when news came that he is the league's MVP.
A person familiar with the situation confirmed reports Monday night that the award is his, making him the league's youngest winner and the Bulls' second alongside Michael Jordan.
That announcement is expected Tuesday, with the presentation at Game 2 on Wednesday. If the Bulls keep playing like this, that could be their final appearance at the United Center, particularly if Rose is limited.
"It's fine," said Rose, who expects to be ready for Game 2. "I just twisted it a little at the end. I'll just get some treatment."
The Hawks went on a 15-2 run that bridged the third and fourth quarters to turn a 69-65 deficit into an 80-71 lead with 10:27 remaining.
Johnson scored eight points during that stretch, and the Hawks hung on.
Johnson was brilliant, hitting 12 of 18 shots and all five 3-point attempts. Crawford scored 22 points, and Jeff Teague added 10 while starting at the point for the injured Kirk Hinrich and wound up getting the game ball from coach Larry Drew.
"We're the team that nobody talks about," Crawford said.
Well, this is a good way to get them talking — shoot 51.3 percent against one of the league's stingiest defenses and take a series opener.
As alarming as all that was for the Bulls, though, the sight of Rose limping off sent a real shiver through Chicago.
"It's tough when your best player is limping off the court with an injury that you know he's had before," center Joakim Noah said. "It's tough, but right now, we have a game on Wednesday in less than 48 hours."
Rose sprained the same ankle in the opening round against Indiana, but even before he limped off the court, this certainly wasn't his best night.
He scored 24 points, but he was just 11 of 27 from the field and did not attempt a free throw.
Luol Deng scored 21 points for Chicago while Carlos Boozer added 14 points and eight rebounds despite a turf toe injury on his right foot. But it was a rough night overall for the Bulls — particularly on defense.
"Some of their shots were tough," Deng said. "They will be made by great players, however, it's those other shots that we have to take away. It's the easy ones that we have to stop."
Rose said the communication has to improve.
"Guys weren't talking, but that can easily be fixed during practice and shootaround. We should be all right next game."
Pushed by Indiana in a tough five-game opening series, they fought through a brutal first quarter to pull within one point at halftime and led by as many as six in the third quarter before this one slipped away.
Johnson started the go-ahead run with two free throws with just under a minute left in the third, and Zaza Pachulia hit two more with less than a second left in the quarter to put the Hawks ahead for good, 72-71.
Johnson then hit a 3 off a turnover by Deng to start the fourth. Teague added a floater and Crawford nailed a 3 to make it 80-71.
"I just want to come out and be aggressive and make plays," Johnson said. "Collectively, as a team, we've been great in the postseason. We've approached every game with intensity."
Mavericks 96, Lakers 94
Dirk Nowitzki scored 28 points and hit two go-ahead free throws with 19.5 seconds left before Pau Gasol and Kobe Bryant made a crucial turnover, and the Dallas Mavericks rallied for a victory over the Los Angeles Lakers on Monday night in Game 1 of their second-round playoff series.
Nowitzki had 14 rebounds for the Mavericks, who dramatically came back from a 16-point deficit in the second half of the perennial playoff teams' first postseason meeting in 23 years.
Bryant scored 21 of his 36 points in the second half for the Lakers, but he fell down while trying to get the ball from Gasol with 5 seconds to play. After one free throw by Jason Kidd, Bryant missed a 3-pointer just before the buzzer.
Game 2 is Wednesday night at Staples Center.


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The way sewage rates are levied for many Sonoma Valley residences has been changed to take into account how much sewage they actually discharge, out of fairness and as a way to promote conservation.
"It is perceived as being more fair than a flat fee," said Spencer Bader, business division manager for the Sonoma County Water Agency, which runs the Sonoma Valley County Sanitation District.
Under the new structure, two-thirds of those ratepayers are seeing charges that are flat or less than before.
A third, however, are seeing rates increased, and for some the increase is substantial.
"I don't think as ratepayers we were given what our rates would go to," said Mayor Joanne Sanders, who's own home saw a 49 percent increase. "I don't think there was a lot of information given to the public about the potential of getting hit with 50 percent rate increases."
The sanitation district this year has a $13.2 million budget, a 5.5 percent increase over the 2011-2012 budget, which allows for sewage plant and system upgrades, Bader said.
Bader said the increase is in line with incremental increases over the past decade necessary to pay for $13.3 million in upgrades made since 1998 and for $13.6 million in upgrades being done this next year.
The district provides sewage services to 17,000 businesses and residences, both single-family and multiple family, in Sonoma and the Valley of the Moon.
Under the rate formula for the 2012-2013 budget year, there is a flat fee of $772, with the 5.5 percent increase.
However, there is now also a second tier of fees for 8,752 residences that take both sewer and water, which measures water use in January and February to set sewer rates.


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1405 Views 2 Replies Latest reply: Jun 12, 2013 1:50 PM by GH
GH Jun 12, 2013 1:39 PM
Re: ical suddenly won't work in response to GH
Further to my last post, I noticed an alert triangle above the left column and when I click on it this is what I got;
There was an unexpected error with the request (domain NSCocoaErrorDomain / error 259).
GH Jun 12, 2013 1:50 PM
Re: ical suddenly won't work in response to GH Solved
I did a search and this. When I got to ical folder I found two caches; I experimented and found leaving one in there replicated the problem when I left the other cache file and restarted ical all is well.
This from the fourm
Quit iCal. In Finder, from the Go menu select 'Go to Folder...'. Enter the path~/Library/Calendars/ . A new Finder window should open. From that window move the file Calendar Cache to your Desktop. Re-open iCal.


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1989 Volvo 240
'89 Volvo 240DL both fuel pumps, ECU, and fuel pump relay were replaced. The new fuel pump relay was started chattering when key turned off and eventually burned up. Another relay installed, still chatters when key off. I noted that blk-grn and yel-blk wires to ECU 20 & 21 were spliced together in middle by a prior repair. Removed the splice and now relay not working as no whirring sound from fuel pumps. I strapped fuse 3 & 4 on fuse panel to get the pumps working for now to allow car to be used. The chattering problem did not occur prior to replacing the parts above. Any ideas?
March 18, 2013.
March 18, 2013.
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Looks like Pearl Apartments is no longer available on Rent.com which means this information is likely out of date.
Make sure to check out these similar properties in the area.
The Pearl is conveniently located near freeways, restaurants, hospitals, Pike/Pine Triangle and downtown Seattle. The beautiful grounds feature city views, landscaped courtyard with dog run. Units include the following great amenities: Spacious floor plans, modern appliances and ample closet space. Call to schedule your personal tour today! Find Your Pearl!
Lease Terms: Flexible 6-12 month leases.
Pet Policy: 85 lbs. 2 pets max. Restricted breeds: Pit Bull, Doberman Pinscher, Rottweiler, German Shepherd. Refundable Pet Deposit: $300. Non-refundable Pet Fee: $200.
Cats Allowed. Dogs Allowed. Call for service animal policy.
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I've looked under some different permutations and haven't seen any answers yet.
How accurate are the rated film speeds for the Portra (NC and VC 160 and 400) and Fuji 160C?
I ask because I want to try my hand at color flash photography and need to make sure my meter is telling me the right exposure.
In b/w I could do a film speed test and figure this out for myself, but I'll be having my lab soup the C41 for me.


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Hilary Duff: How She and Husband Mike Comrie Make Date Nights a Priority
Nearly a year after welcoming son Luca, hot mama Hilary Duff continues to keep her marriage of two years to Mike Comrie spicy. Among the 25-year-old singer's ways to strengthen their bond? Regular date nights!
"Her family babysits so they can go on dates," a pal tells Us Weekly of Duff, who gave birth to Luca on March 20, 2012. "They make time for each other."
PHOTOS: Hilary Duff through the years
And although the actress and her former hockey pro husband, 32, love their alone time, they also can't get enough of staying home to bond with their growing bundle of joy. The couple "have sweet nights at home with Luca, cooking dinner and watching movies," adds the pal. "They're closer than ever!"
PHOTOS: Incredible post-baby bodies
As Luca approaches his first birthday, Duff and Comrie are already entertaining the idea of another baby, but say they'll inch slowly into second-time parenthood.
PHOTOS: Luca and other adorable celeb babies born in 2012
"Mike and I are literally so obsessed with Luca. He's perfect! We should just be one and done," Duff told Access Hollywood Live. "But I think once your kid starts getting older you miss that baby phase and you go in for round two."
This article originally appeared on Usmagazine.com: Hilary Duff: How She and Husband Mike Comrie Make Date Nights a Priority
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CHFF Radio: Ray Lewis Mic'd Up at Congregation
Cold, Hard Football Facts for Nov 02, 2012
Cold Hard Football Facts Radio
This all-ear exclusive originally ran on the Cold Hard Football Facts on Patriots.com. You can catch the show every Wednesday from 4:00 PM - 6:00 PM EST on Patriots.com or download and listen whenever you want on Itunes.
Read more: Baltimore Ravens, CHFF Blog, CHFF Radio, Patrick Imig, Ray Lewis
Quick Outs
- Quality Stats Super Bowl Breakdown: Patriots vs Seahawks
- Super Bowl XLIX Prop Bets: Full List
- Super Bowl 49 Game Capsule: Patriots @ Seahawks
- Awesome: Must-see Super Bowl Hall of Shame Infographic
- Referee Bill Vinovich Gets The Nod For Super Bowl 49 -- Balls
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- Cold Hard Football Facts Quality Stats: Perfect 4-0 In Wild Card Weekend
- Vegas Win Totals For Each NFL Team
Team Pages


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Renaissance Pittsburgh Hotel
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The trash pickup scheduled for Wednesday, Feb. 5 has been postponed to Thursday, Feb. 6
The February 2014 Vienna Union Hall Newsletter can be found here.
The meeting convened at 7:00 PM at the Town House; regular members present were Waine Whittier, Alan Williams, Ed Lawless, Austin Harrell, and Creston Gaither. Also present were Blaine Hopkins and attorney Andrew Hamilton and their Court Reporter along with about 17 Vienna citizens. Blaine Hopkins is an employee of ATC Realty, a wholly owned subsidiary of Global Tower Partners (GTP). Andrew Hamilton is counsel for GTP. Minutes of the October 27 meeting were read and accepted.
New Year's Day is Wednesday, January 1st – Recycling Pickup will be one day late, on Thursday, January 2nd.
Due to the upcoming Holidays the following changes will take place: Christmas Day is Wednesday, December 25 – Trash Pickup will be on Friday, December 27th.
Vienna Union Hall - 7PM
Featuring: The Loons, A Children's play, the Maine Harp Circle and Michael Cooper
$8.00 Adults - $4.00 children 10 and under
Vienna Union Hall - 7PM
Donations at the door only - Suggested $5.00
The a-cappella group of gifted voices known as Northfield has been singing and evolving over the past 30 plus years in our central Maine area. They produce lovely intense harmonies as they sing music from the early shape-note (New England folk hymn) tradition as well as music from the European Renaissance, both sacred and secular, with an occasional song from another genre thrown in.
The December 2013 Union Hall newsletter is available here
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Arts Express Camp
Monday, July 6th, 2015 Friday, 10th, 2015
Arts Express
"A summer camp experience for special needs children"
Come and enjoy a summer camp experience using music, art, drama and dance!
Since 1993, Wilfrid Laurier Universitys Music Therapy program has partnered with KidsAbility, Conestoga Colleges Early Childhood Education program, the University of Waterloo and Carousel Dance Centre to provide an inclusive arts camp for children with special needs and their siblings/friends.
The camp is held at KidsAbilitys Waterloo site with a final recital performance taking place in Laurier's Maureen Forrester Recital Hall.
Scroll down for online registration form.
Monday, July 6th, 2015 Friday, 10th, 2015
Daily, 9:00 am - 4:00 pm
6-14 years
Children with special needs and their siblings/friends
$185 for the week (cash or cheque only, please make cheque out to Wilfrid Laurier University)
- Complete the online registration form this holds your campers place in order.
- An email with our Camper Information Package will be sent to you within 24-48 hours of completing the online registration form.
- Complete the Camper Information Package and return it along with the full registration fee ($185) by MARCH 31st, 2015.
- Once the Camper Information Package and fee have been received, we will email you confirming your registration.
- in person to Emily Carruthers at the Wilfrid Laurier University, John Aird Centre, Faculty of Music Office A505 or in Mailbox #26
- by mail to
Emily Carruthers
Faculty of Music
Wilfrid Laurier University
75 University Avenue, West
Waterloo, ON
Questions: Please contact 519 884 0710 x2658 or firstname.lastname@example.com


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Indiana Pacers v Los Angeles Lakers
Harry How 28 November 2012 04:53
LOS ANGELES, CA - NOVEMBER 27: Dwight Howard #12 of the Los Angeles Lakers blocks the layup of Sam Young #4 of the Indiana Pacers at Staples Center on November 27, 2012 in Los Angeles, California. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement. (Photo by Harry How/Getty Images)