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Publications (50)103.3 Total impact
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ABSTRACT: Background: The cohort-level risk of Huntington disease (HD) is related to the age and symptom level of the cohort, but this relationship has not been made precise. Objective: To predict the evolving likelihood of carrying the Huntington disease (HD) gene for at-risk adults using age and sign level. Methods: Using data from adults with early signs and symptoms of HD linked to information on genetic status, we use Bayes' theorem to calculate the probability that an undiagnosed individual of a certain age and sign level has an expanded CAG repeat. Results: Both age and sign levels have substantial influence on the likelihood of HD onset, and the probability of eventual diagnosis changes as those at risk age and exhibit (or fail to exhibit) symptoms. For example, our data suggest that in a cohort of individuals age 26 with a Unified Huntington's Disease Rating Scale (UHDRS) motor score of 7-10 70% of them willcarry the HD mutation. For individuals age 56, the same motor score suggests only a 40% chance of carrying the mutation. Early motor signs of HD, overall and the chorea subscore, were highly predictive of disease onset at any age. However, body mass index (BMI) and cognitive performance scores were not as highly preditive. Conclusions: These results suggest that if researchers or clinicians are looking for early clues of HD, it may be more foretelling to look at motor rather than cognitive signs. Application of similar approaches could be used with other adult-onset genetic conditions.
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ABSTRACT: A common heuristic for evaluating the problem of omitted variable bias in economics is to look at coeffcient movements after inclusion of controls. The theory under which this is informative is one in which the selection on observables is proportional to selection on unobservables, an idea which is formalized in Altonji, Elder and Taber (2005). However, this connection is rarely made explicit and the underlying assumption is rarely tested. In this paper I first show how, under proportional selection, coeffcient movements, along with movements in R-squared values, can be used to calculate a measure of omitted variable bias. I then undertake two validation exercises. First, I relate maternal behavior on child birth weight and IQ. Simple controlled regressions give misleading estimates; estimates adjusted with a proportional selection adjustment fit significantly better. Second, I match observational and randomized trial data for 29 relationships in public health. I show that on average bias-adjusted coeffcients perform much better than simple controlled coeffcients and I suggest that a simple form of this adjustment could dramatically improve inference in many public health contexts.Institutional subscribers to the NBER working paper series, and residents of developing countries may download this paper without additional charge at www.nber.org.
Article: Knowledge of the Genetic Information Nondiscrimination Act among individuals affected by Huntington disease.[Show abstract] [Hide abstract]
ABSTRACT: The Genetic Information Nondiscrimination Act (GINA) of 2008 was the first U.S. legislation to address genetic discrimination. We sought to assess understanding of GINA among individuals affected by the autosomal dominant condition, Huntington disease (HD). We conducted a cross-sectional survey of individuals with varying risk of HD to assess their familiarity with GINA. As a control, individuals were surveyed about their familiarity with the Health Insurance Portability and Accountability Act (HIPAA). Those who reported familiarity with GINA were asked about their knowledge of specific provisions of the legislation. The survey was offered to 776 participants and completed by 410 (response rate 53%). Respondents across all groups were less familiar with GINA (41% slightly, somewhat, or very familiar) than with HIPAA (65%; p<0.0001). Of individuals with or at risk for HD who reported some familiarity with GINA, less than half correctly identified GINA's protections, and less than 15% correctly identified its limitations. Thus, among individuals affected by HD, familiarity with and knowledge of GINA are low. The effectiveness of the legislation may be limited by this lack of knowledge.
Article: Limited Life Expectancy, Human Capital and Health Investments: Evidence from Huntington Disease[Show abstract] [Hide abstract]
ABSTRACT: One of the most basic predictions of human capital theory is that life expectancy should impact human capital investment. Limited exogenous variation in life expectancy makes this difficult to test, especially in the contexts most relevant to the macroeconomic applications. We estimate the relationship between life expectancy and human capital investments using genetic variation in life expectancy driven by Huntington disease (HD), an inherited degenerative neurological disorder with large impacts on mortality. We compare investment levels for individuals who have ex ante identical risks of HD but learn (through early symptom development or genetic testing) that they do or do not carry the genetic mutation which causes the disease. We find strong qualitative support: individuals with more limited life expectancy complete less education and less job training. We estimate the elasticity of demand for college completion with respect to years of life expectancy of 0.40. This figure implies that differences in life expectancy explain about 10% of cross-country differences in college enrollment. Finally, we use smoking and cancer screening data to test the corollary that health capital is responsive to life expectancy.Institutional subscribers to the NBER working paper series, and residents of developing countries may download this paper without additional charge at www.nber.org.
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ABSTRACT: Despite high rates of HIV in Sub-Saharan Africa, and the corresponding high mortality risk associated with risky sexual behavior, behavioral response has been limited. This paper explores three explanations for this: bias in OLS estimates, limited non-HIV life expectancy and limited knowledge. I find support for the first two. First, using a new instrumental variable strategy I find that OLS estimates of the relationship between risky sex and HIV are biased upwards, and IV estimates indicate reductions in risky behavior in response to the epidemic. Second, I find these reductions are larger for individuals who live in areas with higher life expectancy, suggesting high rates of non-HIV mortality suppress behavioral response; this is consistent with optimizing behavior. Using somewhat limited knowledge proxies, I find no evidence that areas with higher knowledge of the epidemic have greater behavior change.
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ABSTRACT: The existing literature on the effect of the timing of first birth on women's wages generally concludes that there is a benefit to fertility delay, but one that is overstated by the raw correlation. In this paper I reconsider this question, but begin by diverging from the literature to redefine "timing" in terms of a woman's entry into the labor force, rather than her age. When one considers the mechanisms by which fertility timing may affect a woman's wage path, it is clear that each turns on her experience level at first birth, not her age. This transformation also reveals the important distinction between women who have their first child after they enter the labor market versus before. Applying this measure to women from the 1979 cohort of the National Longitudinal Survey of Youth, I show the following. First, when measured correctly, there is little bias captured in the correlation between first-birth timing and wages. Second, the existing literature's focus on age has produced confused inference that has obscured the magnitude, and for some the sign, of the link between fertility timing and wages. In particular, estimates based on age at first birth understate the return to delay for women who remain childless at labor market entry. But more importantly, these positive estimates obscure the negative return to delay -to having a first birth after labor market entry, rather than before -for the majority of all but college graduates.
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ABSTRACT: We use novel data to study the decision to undergo genetic testing by individuals at risk for Huntington disease (HD), a hereditary neurological disorder that reduces healthy life expectancy to about age 50. Although genetic testing is perfectly predictive and carries little financial or time cost, less than 10 percent of at-risk individuals are tested prior to the onset of symptoms. Testing rates are higher for individuals with higher ex ante risk of carrying the genetic expansion for HD. Untested individuals express optimistic beliefs about their probability of having HD and make fertility, savings, labor supply, and other decisions as if they do not have HD, even though individuals with confirmed HD behave quite differently. We show that these facts are qualitatively consistent with a model of optimal expectations (Brunnermeier and Parker, 2005) and can be reconciled quantitatively in this model with reasonable parameter values. This model nests the neoclassical framework and, we argue, provides strong evidence rejecting the assumptions of that framework. Finally, we briefly develop policy implications.Institutional subscribers to the NBER working paper series, and residents of developing countries may download this paper without additional charge at www.nber.org.
Article: The Importance of Bequest Motives: Evidence from Long-term Care Insurance and the Pattern of Saving[Show abstract] [Hide abstract]
ABSTRACT: Many households spend their wealth slowly during retirement, holding much of their wealth into old age. Determining why they do so is made difficult by a fundamental identification problem: retirees' saving decisions reflect the combined strength of precautionary and bequest motives. Given the substantial medical spending and mortality risks that retirees face, savings are spent primarily on precautionary needs in some states and on bequests in others. In this paper, I use people's decisions about whether to buy long-term care insurance and the pattern of saving across the wealth distribution to separately identify precautionary and bequest motives. Estimations based on the Method of Simulated Moments identify modest precautionary motives and widespread, important bequest motives. The estimates imply that among 65–69-year-old single retirees in the U.S., bequest motives increase * I thank 1 bequests from 28 percent to 57 percent of initial non-annuity wealth and reduce the long-term care insurance ownership rate from 41 percent to 6 percent.
Article: Menstruation, Sanitary Products, and School Attendance: Evidence from a Randomized Evaluation[Show abstract] [Hide abstract]
ABSTRACT: Policy-makers have cited menstruation and lack of sanitary products as barriers to girls' schooling. We evaluate these claims using a randomized evaluation of sanitary products provision to girls in Nepal. We report two findings. First, menstruation has a very small impact on school attendance. We estimate that girls miss a total of 0.4 days in a 180 day school year. Second, improved sanitary technology has no effect on reducing this (small) gap. Girls who randomly received sanitary products were no less likely to miss school during their period. We can reject (at the 1 percent level) the claim that better menstruation products close the attendance gap. (JEL I21, J13, J16, O12)
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ABSTRACT: This Appendix provides details and expanded results for our paper, "Menstruation, Sanitary
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ABSTRACT: Cellular technologies have become increasingly important in the developing world; infrastructure for mobile networks has expanded dramatically over the past two decades giving access to remote areas without previous phone service. Despite this expansion, relatively little is known about the correlates of the rollout of cellular phone networks or the performance of these networks. Since the rollout of cellular networks has been largely spearheaded by an active private sector in telecommunications, how demand-side and cost-side factors affect the timing of rollout and quality of network service is of particular interest. In this paper we use new data to estimate the correlates of cellular phone access and network performance across rural areas of Malawi. We compile a dataset which combines administrative data of the entire cellular network of Malawi with geographic and Census data to describe the rollout and the performance of the cellular network measured by the dropped call rate. We find that both demand-side and cost-side factors are important in determining the timing of network access, while demand-side factors appear most relevant for the dropped call rate, one metric of network quality.Institutional subscribers to the NBER working paper series, and residents of developing countries may download this paper without additional charge at www.nber.org.
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ABSTRACT: Oster (2005) argued that parents with Hepatitis B (HBV) have more sons, which explained Asia's "missing women". Lin and Luoh (2008) show no relationship between gender and mother's HBV. We test for a relationship between paternal HBV and son share and find none.
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ABSTRACT: Over the last two decades in India there have been large increases in outsourced jobs and large increases in schooling rates, particularly in English. Existing evidence suggests the trends are broadly related. In this paper we explore how localized these impacts are; this has implications for understanding how quickly information about these jobs diffuses. We use panel data on school enrollment from a comprehensive school-level administrative dataset. This is merged with detailed data on Information Technology Enabled Services (ITES) center location and founding dates. Using school fixed effects, we estimate the impact of introducing a new ITES center in the vicinity of the school on enrollment. We find that introducing a new ITES center results in a 5.7% increase in number of children enrolled; these effects are extremely localized. We argue this result is not driven by pre-trends in enrollment or endogenous center placement, and is not a result of ITES-center induced changes in population or increases in income. The effect is driven entirely by English-language schools, consistent with the claim that the impacts are driven by changes in returns to schooling.
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ABSTRACT: Individual, personalized genetic information is increasingly available, leading to the possibility of greater adverse selection over time, particularly in individual-payer insurance markets. We use data on individuals at risk for Huntington disease (HD), a degenerative neurological disorder with significant effects on morbidity, to estimate adverse selection in long-term care insurance. We find strong evidence of adverse selection: individuals who carry the HD genetic mutation are up to 5 times as likely as the general population to own long-term care insurance. This finding is supported both by comparing individuals at risk for HD to those in the general population and by comparing across tested individuals in the HD-risk population with and without the HD mutation.
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ABSTRACT: Cable and satellite television have spread rapidly throughout the developing world. These media sources expose viewers to new information about the outside world and other ways of life, which may affect attitudes and behaviors. This paper explores the effect of the introduction of cable television on women's status in rural India. Using a three-year, individual-level panel data set, we find that the introduction of cable television is associated with significant decreases in the reported acceptability of domestic violence toward women and son preference, as well as increases in women's autonomy and decreases in fertility. We also find suggestive evidence that exposure to cable increases school enrollment for younger children, perhaps through increased participation of women in household decision making. We argue that the results are not driven by preexisting differential trends.
Article: Menstruation and Education in Nepal[Show abstract] [Hide abstract]
ABSTRACT: The aim of this paper is to convey to a wider audience of applied statisticians that "nonparametric" (matching) estimation methods can be a very convenient tool to overcome problems with "endogenous" control variables. In empirical research one is often interested in the causal effect of a variable "X" on some outcome variable "Y". With observational data, i.e. in the absence of random assignment, the correlation between "X" and "Y" generally does not reflect the treatment effect but is confounded by differences in observed and unobserved characteristics. Econometricians often use two different approaches to overcome this problem of confounding by other characteristics. First, controlling for observed characteristics, often referred to as selection on observables, or instrumental variables regression, usually with additional control variables. Instrumental variables estimation is probably the most important estimator in applied work. In many applications, these control variables are themselves correlated with the error term, making ordinary least squares and two-stage least squares inconsistent. The usual solution is to search for additional instrumental variables for these endogenous control variables, which is often difficult. We argue that nonparametric methods help to reduce the number of instruments needed. In fact, we need only one instrument whereas with conventional approaches one may need two, three or even more instruments for consistency. Nonparametric matching estimators permit consistent estimation without the need for (additional) instrumental variables and permit arbitrary functional forms and treatment effect heterogeneity. Copyright (c) 2008 The Author. Journal compilation (c) 2008 International Statistical Institute.
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ABSTRACT: We estimate the role of benefits and peer effects in technology adoption using data from randomized distribution of menstrual cups in Nepal. Using individual randomization, we estimate causal effects of peer exposure on adoption; using differences in potential returns we estimate effects of benefits. We find both peers and value influence adoption. Using the fact that we observe both trial and usage of the product, we examine the mechanisms driving peer effects. We find that peers matters because individuals learn how to use the technology from their friends, but that they do not affect individual desire to use the cup.
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ABSTRACT: Background Individuals at risk for Huntington disease (HD) face a possibly shortened lifespan, and, as a result, they may want to own more life insurance. However, insurance companies may discriminate against this population, resulting in lower ownership rates. Methods We compared rates of life insurance ownership and amount of life insurance owned between 567 individuals at risk for HD in the PHAROS population (a longitudinal, observational study of individuals at risk for HD) and matched controls in the nationally representative Survey of Consumer Finances (SCF). Individuals were matched based on five-year age group, gender, employment status, race, marital status, whether they had children, and education category. If an individual from PHAROS was matched with more than one individual from the SCF, insurance ownership was compared to the average of the matched controls. We compared rates of insurance ownership and amount of ownership with t-tests. Results Compared to their matched controls, individuals at risk for HD were 3 percentage points more likely to own life insurance (86.4% vs. 83.4%, p = 0.04). However, among those who owned insurance, individuals at risk for HD were 17 percentage points less likely to own a policy larger than $250,000 (49% vs. 32%, p < 0.001). Differences in overall ownership do not significantly vary by age, employment, or education; however, differences in ownership of large policies are limited to individuals over 40. Conclusions Individuals at risk for a genetic disease are slightly more likely to own life insurance than matched controls, although they tend to own smaller policies. The higher overall ownership suggests higher demand for insurance. The smaller size of policies may point to discrimination. However, this could also point to lower income in this population, which we were not able to adjust for in this study.
Top Journals
University of Chicago
Chicago, Illinois, United States
- Department of Economics
University of MichiganAnn Arbor, Michigan, United States
University of California, Los AngelesLos Ángeles, California, United States
Dartmouth CollegeHanover, New Hampshire, United States
Harvard UniversityCambridge, Massachusetts, United States


text: In the Dec. 8 Crime Log, Cassandra Smalley was not cited for allegedly stealing alcohol from Food 4 Less in Cameron Park. Further investigation by the El Dorado County Sheriff's Office revealed that it was another suspect providing false information, according to Lt. Tim Becker of the EDSO. A deputy met with Smalley and confirmed that the original suspect was not her.

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by: apps2youmade | 1
by: apps2youmade | 1
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URL - Uniform Resource Locator
URL is the abbreviation of Uniform Resource Locator. URL is the global address of documents and other resources on the World Wide Web.
Parts of a URL
The first part of the URL is called a protocol identifier and it indicates what protocol to use, and the second part is called a resource name and it specifies the IP address or the domain name where the resource is located. The protocol identifier and the resource name are separated by a colon and two forward slashes.
For example, the two URLs below point to two different files at the domain webopedia.com. The first specifies an executable file that should be fetched using the FTP protocol; the second specifies a Web page that should be fetched using the HTTP protocol:
A URL is a URI
A URL is one type of Uniform Resource Identifier (URI); the generic term for all types of names and addresses that refer to objects on the World Wide Web.
The term "Web address" is a synonym for a URL that uses the HTTP or HTTPS protocol.
The Uniform Resource Locator (URL) was developed by Tim Berners-Lee in 1994 and the Internet Engineering Task Force (IETF) URI working group. The URL format is specified in RFC 1738 Uniform Resource Locators (URL).
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We look at a few of the more troubling aspects of statistics and how these may be used to advance an agenda or skew the facts to someone's... Read More »29 Free Android Apps for Cash-Strapped Students
From wacky alarm clocks to lecture hall tools and after class entertainment, these Android apps are a good fit for a student's life and budget. Read More »Sharing Threat Intelligence
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The Open System Interconnection (OSI) model defines a networking framework to implement protocols in seven layers. Use this handy guide to compare... Read More »Network Fundamentals Study Guide
Networking fundamentals teaches the building blocks of modern network design. Learn different types of networks, concepts, architecture and... Read More »Computer Architecture Study Guide
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CSX Corp. expects to deliver lower profits in 2016 as weak demand for coal and crude oil persists and the strong U.S. dollar continues to limit exports.
The railroad's forecast for lower freight volume suggests the overall U.S. economy may be slowing after several years of steady growth.
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Ramada Apollo Amsterdam Centre4 Self rated
Staalmeesterslaan 410, Amsterdam, 1057 PH
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About the hotel
The 4-star hotel Ramada Apollo Amsterdam is located next to the Rembrandtpark and has 446 Standard, Deluxe and Executive rooms all equipped with free Wi-Fi, flat screen television, air conditioning, a sitting area and coffee and tea facilities. Hotel guests can use the sauna facilities or work out in the spacious fitness room free of charge. The Skybar and Restaurant are located on the 17th floor of the hotel: the open kitchen, smooth service and panoramic view of Amsterdam ensure a perfect evening out.
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Gift Premium Subscription To scarnera
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La Luna - Shooting Star
The little boy is fascinated by a shooting star in this clip form 'La Luna' A Pixar short that will play before "Brave" in theaters.
A fable of a young boy who is coming of age in the most peculiar of circumstances. Tonight is the very first time his Papa and Grandpa are taking him to work. In an old wooden boat they row far out to sea, and with no land in sight, they stop and wait. A big surprise awaits the little boy as he discovers his family's most unusual line of work. Should he follow the example of his Papa, or his Grandpa? Will he be able to find his own way in the midst of their conflicting opinions and timeworn traditions? (Official Description


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Peeking Ducks
Product Details
Audience: Children
For Ages: 5 - 6 years old
For Grades: K - 1
Format: Hardcover
Language: English
Number Of Pages: 32
Published: 20th July 2010
Publisher: Windy Hollow Books
Country of Publication: AU
Dimensions (cm): 29.700 x 21.000
About the Author
Sally Rippin was born in Darwin and grew up in South-East Asia. As a young adult she studied traditional Chinese painting for three years in Shanghai and Hangzhou, which inspired her first novel Chenxi and the Foreigner.
Sally is the author of many books for children, including the popular Billie B Brown and Hey Jack! series, and the highly acclaimed children's novel Angel Creek. Currently, she lives in Melbourne with her partner and three sons, and writes and illustrates full time.
Sally is a regular fixture at Writing Festivals and Workshops across Australia and overseas. She also teaches Writing for Children at RMIT University, is a mentor for the Australian Society of Authors and is one of the Victorian Premier's Reading Challenge Ambassadors.
Visit Sally Rippin's Booktopia Author Page
This product is categorised byChildren & Teenagers / Young Adults » Children's Fiction » General Fiction for Children & Teenagers
Children & Teenagers / Young Adults » Picture Books & Early Learning » Picture Books in General
Non-Fiction » Education » Schools » Australian Curriculum » Asia & Australia's Engagement with Asia
Non-Fiction » Education » Schools » Australian Curriculum » English
On an adventure to find the mighty Li River, three little ducks are astonished by the events that unfold. A cautionary tale, set in the majestic landscape of China.
About the Author
Australian author Krista Bell won her first writing award aged eight, but more recently was shortlisted for the NSW Premier's History Awards with Lofty's Mission. Although Krista's family had ducks as pets for many years, it was an inspirational trip to China that gave her the idea for her 23rd book, Peeking Ducks. ILLUSTRATOR: Sally Rippin spent three years in China studying traditional Chinese painting. She has written and illustrated over thirty books, many of them award-winning. Sally and her family live in Melbourne near Merri Creek where they often wander looking for ducks. They have spotted lots of brown speckly ones, but no Peeking ducks yet. Colour throughout


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Minecraft PE- Installing Texture Packs & Skins!
People Who Liked This Video Also Liked
Did this video help you?
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Dennis Risinger Jr: Myn worked then crashes if u do this and erase skin
Dennis Risinger Jr: Did he copie videos
Liz Pinson: This is so freakin confusing
Philipp02: Gönn dir besseren Namen
Siam Minecraft: Did no work lier
Elvin Lee: I wish I had it and I made herobrine blocks :)
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Minecraft PE- Installing Texture Packs & Skins! 5 out of 5


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Use this space to cheer the creator along, ask questions, and talk to your fellow backers. Please remember to be respectful and considerate. Thanks!
Creator Kristy Lynn Allen and Erin Rupp on June 9, 2013
Thanks for the comment, Jason.. Update about the Honey House coming soon!
Creator Jason Prater on June 7, 2013
Know you two are busy bees but tell or show us what's the latest and greatest with the project. We kinda miss you...
Creator mary mccallum on March 31, 2013
Creator Case Face on March 27, 2013
Congratulations! I knew you would make it!
Creator Wayne Flewelling, JR. on March 26, 2013
CONGRATS!!!!!!! Way to go!!!!
Creator Jeff and Liz Helfrich on March 26, 2013
Rock on! You guys made it! Bees everywhere are doing a little dance for you!
Creator Brandon Lovejoy on March 26, 2013
Of course the first step is to revive the hive, but let's take an additional leap to help the hive THRIVE! Spread the word far and wide, with 5 days left we can push them past 40k! Things always have a way of costing more, and it will be money very well spent. Whisper campaign... pssst.. hey friend, have you donated? ;)
Creator Ben Auchter on March 26, 2013
Less than $500 to go, 5 days remaining! So close!
Creator susan herridge on March 22, 2013
this is the sweetest project! and they are so close to their goal. I'm honored to be a part of it, and to help raise awareness of the importance of bees! VERY IMPORTANT! thank you for doing this, Kristy and Erin. I know its going to be great!
Creator Ben Auchter on March 22, 2013
Wow - the location is PERFECT! I'm so excited for your project! Only 9 days to go -- c'mon, only ~$4k left to go! Spread the word about this great work!
Creator Jymme Golden on March 19, 2013
Just left this on my Facebook page. Hope it helps.
"I know I posted this a week ago but these two are so close to their goal that I just had to post again. They are just too adorable and doing some great work. Don't you just want to give them a few bucks? Seriously, who can resist... honey, bikes, enthusiastic young women dressed like bees and doing good in our fair city... what more could you possibly ask for?"
Creator mary mccallum on March 10, 2013
Hi to all beez supporters far and wide! Can you help by sending a link to this to somebody you know as a little nudge? I'd love to see all our support help push this project through.. Hooray for bees! Hooray for Beez!
Creator Michael Brannon on March 8, 2013
I love Bees! I love Bicycles! Best of luck from northern Colorado!
(Since I'm in the process of getting a full body tattoo suit of Bees, backing you good folks seems like a no brainer.) :)
Creator Ben Auchter on March 4, 2013
Best of luck filling the goal! Anyone in the beekeeping scene near Minneapolis & St. Paul knows we sure could use a facility like this one. The proposed location is also nice and centrally located for processing. Keep up the great work!


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Kristen Stewart and boyfriend Robert Pattinson partied into the early hours at a private member's club in London's Soho last night (14.05.12) following the 'Snow White and the Huntsman' premiere in Leicester Square.
Kristen Stewart and boyfriend Robert Pattinson partied into the early hours following the 'Snow White and the Huntsman' premiere.
The brunette beauty and the 'Twilight' hunk were joined by her co-star Charlize Theron at London's exclusive private member's club Quo Vadis in Soho last night (14.05.12) after the glitzy promotional event in Leicester Square.
Following the premiere - which was also attended by the film's stars Chris Hemsworth and Ray Winstone - Kristen went to the after party at the Royal Courts of Justice before heading for Quo Vadis separately to Robert.
The pair - who play married couple Bella Swan and Edward Cullen in the 'Twilight' franchise - appeared to have a good time at Quo Vadis as they didn't leave until 5am.
They were both dressed casually for their night out, but earlier in the night Kristen dazzled on the red carpet in a lace cut-out dress.
Charlize opted to keep her sheer black dress on for the evening after wowing in the outfit at the premiere.


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41 Attending
26 Attending
6 Attending
Mon, 23 Nov 2015
Post a comment
The Dominican Republic festival will go down in Punta Cana next month.
Wed, 16 Sep 2015
The Norwegian disco head will play six live dates in October
Mon, 27 Oct 2014
2 comments
The "Harlem Shake" producer will drop a five-tracker called ß in November.
Fri, 26 Sep 2014
Andy C, Kaytranada and Cashmere Cat will also play the annual WA festival on December 31st.
Tue, 9 Sep 2014
The new three-day NSW camping festival will also feature KiNK, Bob Moses and Axel Boman.
Thu, 9 Jan 2014
The Knife, Dixon, Pet Shop Boys and Disclosure will all play the two-weekend US festival in April.
Tue, 27 Aug 2013
Matthew Dear and Adult. will be on hand at the mid-September festival.
Fri, 21 Jun 2013
1 comment
Fuzzy's new national event will also feature John Talabot, Miguel Campbell and TNGHT.


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Unleash Your Inner Stalker with Mobistealth
Mobistealth doesn't play coy when describing their services. Right out of the gate, they bill their software as "Spy Software for Android". For as low as $49.99 (3 mo subscription), users can catch a cheating spouse with real-time updates of phone calls, pictures, location and more. In fact, as I read through the bullet point list of features, Mobistealth seems as if it could provide darn near everything there is to know about your suspected mate.
- Record all calls made from/to specific numbers
- Find out when and who is being called.
- Exact call duration of each call.
- Remotely record all conversations in the surrounding of the phone.
- Monitor movement and location history.
- View all photos and videos from handset
- Web history, bookmarks, text messages, emails, and more
All kidding aside, there are some very practical features to be found with Mobistealth. As a parent, the subscription costs are a small price to pay for peace of mind in knowing where their children are or where they've been. Employers can keep an eye on their staff and wherebouts in addition to what they're doing with the phone in downtime.
To read more about Mobistealth, or to make a purchase, head to https://mobistealth.com/spy-software-buy.php
About author
Scott has been running AndroidGuys since 2007 and loves nothing more than reading up on the latest smartphone rumors. His other mobile efforts can be found on Android Update (CNET) where he covers Google's mobile platform.
http://intensedebate.com/people/Davest010 Davest010
1) If you need to spy on your kids 24×7 to keep track of them, this software isn't going to solve the deeper issues with your parenting.
2) If you need to spy on your spouse 24×7, then there are such gaping holes in your relationship that you really should just call it quits and move on with your lives.
3) If you're spying on your employees 24×7, then you're almost certainly breaking the law.
All that being said, I have no problem at all with the company behind mobiStealth producing this software…if they can find a way to make a buck off other people's insecurity and ethical failings, more power to them.
You must not have a child who is a drug addict. Those of us who do know, as does any drug counselor, that it has nothing to do with any "deeper issues with (our) parenting". No one knows what causes it — period. This app allows us to stay in control of a situation that is chronically on the brink. Lucky you that you don't have this kind of serious challenge.
Better than Davest010
Why did you even leave a comment on this page? Not only is it not helpful for reviewing this product, you had to go and bash other people who purchased it? Obviously you were on the page for a reason and then just decided to go against it.
1. You probably don't have kids because no one will ever procreate with you so you don't have children to worry about.
2. You don't have a relationship where you have to worry about your spouse or partner because you probably will never have a real relationship to begin with. Congrats.
3. You will always be an employee and never an employer, so no worries there.
So maybe you should just step off your high horse and stay the fuck of review sites if you're not going to actually review anything. Douche.
Your so right. Why is Davest010 reading this stuff anyway. He should be looking in the mirror and telling himself how perfect he is.Life changes a lot of things and we will try a lot of things to get the truth about our child or spouse.
@Davest010 I agree with your first two points, the third I think is a gray area. Like monitoring all activity on a work issued laptop, I think it is allowable as long as the employees are clearly informed of this before hand. Whether it is beneficial to have employees you don't trust is another matter.
Nearly the same thing can be achieved with G-Backup Full. Install it on the cheating spouses phone, configure it to dump all call logs/sms/mms to a PRIVATE Gmail account for you to check. This is how I caught my cheating wife… no joke. Nice thing is.. they can delete all they want from the phone since it is stored safely in a Gmail only you have access too
This sort of thing is illegal in many states. http://en.wikipedia.org/wiki/Telephone_recording_…
http://www.windowexhaustfandeals.com Window fans
"spy software for Android" is really new for me,so I'll have to search some more information about it.Thanks.
Ripped Off in Houston
Stay away from MobiStealth… it's a rip off! You'll never get your money back!!!!!!! It's bull!!
http://theperfecttoys.com/ Jane K Elvisky
Is it really so bad with MobiStealth? I guess I wont be getting it then. Anybody managed to get a refund from them?
Droid version may work well, but if you are planning on purchasing the Blackberry version I would suggest you don't. It's a POS. I can only get it to work for around 2-3 days then it stops. I have to gain possession of the phone again and do a hard boot (remove battery). Then the software will work for another 2-3 days. Limited to no support. They answer email once a day. And based on a 3 day money back you will be lucky to get one question answered. Every support answer I received came back in the form of a question and only mentioned why it didn't work instead of giving me ways to make it work. I'm hoping since I'm past the 3 day guarantee that this software will be updated to work properly, but i'm not holding my breath.
http://www.thedietsolutionprogramreviewed.org/ isabel de los rios
It is an interesting and exciting offer to unleash Inner Stalker with Mobistealth. It is all due this wonder kit Mobistealth, the device sells forcefully in the market. From the discussion, it is obvious that all kidding aside, there are some very practical features to be found with Mobistealth which differentiate it uniquely. thanks for the information.
Ripped Off in Houston
Do you work for them? Stay away from MobiStealth… it's a rip off! You'll never get your money back!!!!!!! It's bull!!
http://www.grainflaker.com/ Grain Flaker
I am excited about the this new creation. The device with all the impulsive features would drive one to check out one for first hand experience. This wonderful Stalker with Mobistealth would let us sleep assured peacefully without having to worry about some thing beyond our reach. Thanks.
http://www.machineplatesonline.com/ legend plates
I hope this new feature won't make me a skeptic as Mobistealth seems as if it could provide darn near everything there is to know about your suspected mate. Thanks for the nice information.
Steve W.
I have had the MobiStealth Pro-X service on two android phones since mid-December, 2010, and the service is NOT good. Many of the features that are indicated as being included do not work. They typically do not respond within 24 hours as is indicated on their site; and they will not call you – they will only do e-mail support.
Below is a portion of the letter I wrote to their "support" e-mail address, back on Dec. 29, 2010. I still have not yet received a response – even after forwarding the below e-mail again a couple of times since then asking for some sort of response.
Below is a portion of my letter to them:
"Both phones are exactly the same. They are the LG Optimus S, purchased in mid-December, and both have an 8 GB memory card. Both phones have gone through the correct MobiStealth installation process, multiple times each. The problem is not in the installation of the software application.
Below is a detailed status update of what is working and not working. I must say that I am truly disappointed in the lack of features we are receiving versus the features that are advertised on your website. I went through extensive research before purchasing your service, and had concluded (at the time) that even though you were the most expensive ($199.99 for each phone!), you also had the most features available. If I had known that I was not going to receive many of the services listed on the website, I probably would have chosen a different program / vendor.
Advanced Features
Picture Logging – is working as it should on both phones.
Recording of Calls – is not working on either phone – we have set up 2 phone numbers for each phone that, when called, will record those conversations. Multiple calls have been placed to those numbers over the past few days (according to the Call History Log), however, the calls are not being recorded and uploaded to the website.
Recording of Surroundings – has only worked one time. We have sent the secret SMS several different times (and yes, we did receive confirmation texts from MobiStealth that the recordings were started), but have only actually received the recording on the website once, and it took just over 2 days for that recording to show up.
Reverse Phone Lookup – Seems to work on phone numbers that are not listed as private.
Video Logging – Not working. A couple of videos have been taken by each of the phones, but nothing has ever showed up on the website.
Standard Features
Appointment / Calendar Logging – Unknown whether it works or not. Our children that have the phones do not really use the appointment / calendar feature on the phone.
Bookmark Logging – is working as it should on both phones.
Browser History Logging – is working as it should on both phones.
Call History Logging – is working as it should on both phones.
Contact Details – Contact details do not show up at all for one phone (832-368-8423); but they are logged for the other phone.
SMS Logging – This feature only seems to work if the user does not delete a message immediately after receiving or sending a message. One of our children has made a habit of immediately deleting text messages after receiving them or sending them (she is very fast). And we know for certain that most (OVER HALF at least) of her SMS texts are not reaching the MobiStealth website because she is deleting them so quickly after receiving or sending them. We have tested this out for ourselves, too, by looking for texts that we have sent her from our own phones to see if they show up on your website – many do not make it to the MobiStealth site because she is quick in deleting them. Your service advertises that ALL SMS texts are logged and reported, even if the user deletes the text. We are discovering that this is NOT true if texts are deleted quickly after receiving or sending (very disappointing).
Location and Security
Current Location (from Dashboard) – Does not work AT ALL.
SIM Change Notification – Unknown whether it works or not. Have not made any changes to the SIM card.
Again, we are very disappointed with your software. Many features do not work. And, the main feature that does work (SMS Logging), does not work quickly enough when texts are deleted quickly. I feel like I have spent $400 on a service for two phones that I don't get many of the primary standard features that are advertised."
it's been a few months since your post. just wondering if you received a response from mobistealth yet? I am considering purchasing this software but am hesitatant based on this experience.
Busted in Dallas
I used them and everything worked except for the live surround recording. Used on a HTC Evo. Customer service always followed up within 24 hours. I am not renewing because I have had to reinstall the service twice on phone. Now boyfriend has screen locked so I can't get back in to reinstall but it's fine now because I know the truth. I don't really see myself as a stalker like some of the posts mention. Had a gut feeling, needed to see it for myself, now that I have – WE ARE DONE! I never even told him how I found out.
Busted in Dallas
Also, I've tried a few others that were a waste of money: Spy Bubble is the biggest joke. Everstealth can install remotely but it rarely works. The best has been Mobistealth and Mobile-spy.com. Before purchasing make sure you have access to the phone for 5 minutes (no locked screens) and you are sure software to be compatible with your phone.
Ripped Off in Houston
I wish that I had seen your posts before I purchased this LIE! People need to know what this company is doing!! I have yet to receive a reply as to why none of the data… yes… NOTHING is working!!!!! I'm just a couple of hours away from the 3 day refund policy!! Mobistealth is a RIP OFF! I wasted the $200 that I had to borrow to try and catch my spouse at cheating!! STAY AWAY!!!!!!!!!!!!!!!!!!
disappointed customer
I have also had a poor experience – while some of the features work i know that i see only a small fraction of the texts and BBM that are sent from the monitored phone.
This product does not deliver what it promises.
Jarvi Dick
These guys are the lowest scum – I know a girl now who is being harassed by a stalker because of this crap. He's been arrested and has been in a mental hospital. Crap like this enables some truly evil people.
I got mobistealth to see if my boyfriend was cheating. I haven't had any problems at all. All parts of the software work beautifully. Customer support has been awesome as well. Well worth the money for peace of mind.
http://www.stealthgenie.com StealthGenie
oh in case mobi stealth is such a Rip off then why not going for a alternate more efficient, more sophisticated and no such thing fake propaganda and immaculate functioning. those who discourage surveillance over others are to some extent are right at their part, but what about monitoring over a cheater? One who is continuously breaking wedding vows, or an employee working against the company's laws? For them such software is crucial to set things right. Better go for a substitute StealthGenie Mobile Spy Software , hope you won't b disappointed.
Nothing but a complete ripoff. Can only speak for an Android phone (Galaxy Continuum), but I've had at least 6 issues that I've contacted tech support for. Never an answer until at least the next day, and usually 2 days. In a nutshell, 1) does not record calls, 2) does not record surround history, 3) only shows outgoing texts, not incoming, 4) does not record videos, etc. Need I say more? By far the most expensive product on the market, and is not nearly worth the price.
Mobistealth worked like a dream for over 6 months, and caught my wife in a situation I never dreamed of. She was nailed to the wall as I had every detail possible. I told her it was through a private investigator, and she believed it. So as we try to reconcile, I switched her phone to the HTC Thunderbolt with Verizon. No recorded calls after that. 3 weeks of begging tech support, and finally they tell me it's a problem with the Thunderbolt and refunded part of my money. Everything else still works, though text messages only get recorded about 80% of the time. But the bastard has called a few times since and I can't get the recording. This is a killer since she can lie about what they talked about. I give Mobistealth a 9.8 on the HTC Eris where I used it before, but with the Thunderbolt you will not get call recording.
What made me think was the simple proven reality that
we instantly never seemed to have any income slowly but surely other for vacations. I earn good and my wife has become at house with
the children and "manages our money". She started "going out
with her girlfriends" (supposedly) a lot more lately. I thought my wife's
in look for of so I purchased Mobistealth Cellular spy app on her iPhone 4 and thought her planning with the other
man. Everything was amazing with this app. Mobistealth served me good having introduction of truth. It instantly informed me on its web account. I also found her- told her, sweetheart how much income she had put away
for after the divorce. If I had let this
go on much time she would have conned me tones and toss out my ass on the
control. Not any more!
It is awesome, that could litteraly save my 16 year old daughter's life. I actually even told her that the only way of her getting a smart phone is if she gives it to me once a week, and as I took a course on how to search the phone for forbidden sites. I'm able to see her web activities(of course I will not tell how much I can see with mobistealth cell spy program cuz then I will really be in trouble) and It took a while to decide which spy app to choose from but then no one offers features like you. Thanks 4 bringing some security into this crazy world..
I was badly looking for a spy app that could help me check
my girlfriend's loyalty as i was on the verge of taking the biggest decision of
my life. I wanted to know how honest she is to me and what is the exact level
of feelings that we share. I happened to visit this page, read all the comments
and was quite reluctant to get mobistealth in the first instant but I thot if
it did not work why would be people posting good comments s o why not give it a
try. I purchased the Lite version first thinking would check it first and then
go for the advanced version i.e the pro.
I did not expect it would work this awsome, i was able access all the data of
her phone, the guy I doubted she ws talking to. Curiosity increased and I wondered
if the Lite version works so well the Pro would be magic in terms of giving me
ample proof. I contacted support and got directions for upgrade (experience
with support was good enough). Upgraded my license to pro and configured the
settings for surround recording as i wanted to listen to them badly. i wanted to know what' s the real story going
on, one night tried initiating the recording, kept sending the secret SMS but it did not seem to work i got real
frustrated but controlled and thought there might be some technical issues with
the phone cuz if they are claiming the feature would work then it should work
or else if it was a scam it should have never worked for any of the features.
Wrote to support and they told me that I have configured wrong settings. They
helped me in re-setting them correctly. It was actually the source number that
was not supposed to be the target phone's number and the secret SMS was
supposed to be without symbols, then onwards I used this feature many times
without any issue though I have stopped using mobi now as after a week's use my
doubts turned out to be correct. I came to the conclusion that haste makes
waste and if you get enough knowledge about the application you will get full
benefits out of it. One should not lose patience and wait for the results.
I was one of those idealistic people who always went on and on about "the one" and "trust and faith" and of course my deadbeat husband took only a month of our marriage to show me that I'm an idiot. I didn't want to try mobistealth at all but if I hadn't I would still be with that lying cheating bastard.
I came across the same issue, purchased mobistealth for surround recording feature and it failed to work initially, i started taking it as a scam but got to know through support that there should be a memory card in the phone for the feature to work which was not there in my target phone, got the memory card inserted and then onwards i have been getting all recordings that i initiated.
I recently purchased mobistealth to see what my boyfriend of 3 years was up to when we were apart and see if he was being faithful and it has given me so much insight! Omg I. Was shocked the surround recording was the best he could be across the state and it still recorded him txts contact list with name calls location tracker internet browsing history works perfectly only thing that doesn't is the call recorder it comes in 3pg format which is not supported on my galaxy s android so that was a letdown but it is by far worth every penny! I am so glad there is something like this out there!
BEWARE……BEWARE…. NOT WORTH IT….Mobistealth seems to not always work. Access to the site is down at times. And when u need the info right then mobis no help. Problems can be fixed but customer service / help desk seems India based and is the worst and I do mean worst customer service I have ever experienced. They deleted my account and all account info, they deleted help requests because they did like my requests or my explaining there errors. One guy really was the worst Sunduss Habib was his name. Wow he wouldn't give me a supervisor or fix the problems and deleted my posts and his own posts. Even suspended my account to get rid of me so I would contact him regarding any problems with mobistealth …. Beware you won't be able to fix the problems with tech support or billing. Beware. Buy programs just like mobi and install it and its a one time payment . These guys won't help u better to save money in the long run and do it yourself.
I agree. MOBISTEALTH ARE THIEVES. BEWARE OF MOBISTEALTH. Their product is easy to find on the target phone and they will not reply if they dont like what your email says.
WARNING about Mobistealth. I paid for Android Lite plan for 12 months. I installed correctly, deleted from downloads as per instructions, I got it up and running. In less than 24 hours, my partner FOUND MOBISTEALTH in the Settings. It told him his phone was being GPS tracked and calls and SMS were being logged. He uninstalled it. Mobistealth did not reply to my emails, nor refund me obviously. BEFORE YOU BUY SPYWARE MOBISTEALTH IS NOT INVISIBLE
Do the other party have to have a memory card
In order to receive their texts?


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7 Reviews
This is a highly versitile recipe. Instead of regular sugar, use honey, maple syrup or palm sugar(1:1 ratio on all of those), add in some spice, like cinnamon or nutmeg. I've used a very similar recipe(mine didn't call for banana) where I've added in chocolate chips or chopped apples.
these were so delicious! I tasted the batter just to see what it would taste like and it almost did not make it in the oven. I was able to get 6 muffins out of this mix, so i just doubled the batch. Also I added a 1/4 tsp on xanthan gum due to I was afraid they would fall apart other wise. A wonderful recipe.
These didn't really rise and were doughish even after cooling, though the flavour was good. I did use the banana and egg replacer and cooked them longer than the stated time. The batch only made 4 muffins. I was disappointed.
I made these muffins for an option for a healthy breakfast. i wish i could lower the sugar, but they are very good. Moist, and i couldn't taste coconut which is a good thing in my eyes. It does have this flavor that reminds me of protein powder. And since there is no gluten in these they don't hold together as well as a regular muffin. But very, very good. will make again
Wow these muffins are great! Really quick and easy, the texture is really nice, and the flavors are yummy. I made a few substitutions: I added 1/3 cup of unsweetened shredded coconut, and some brown sugar to make the tops a little crunchy. This made 6 small muffins (6 of 12 for a 12 muffin pan) so I would recommend doubling it for a full batch. Thanks for the recipe!
Awesome!!!!!!!!It's a keeper!!


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Alice Madness Returns by Obturia Fotografia by florrrrWatch
©2012-2016 florrrr
Cosplay: Alice Madness Returns - Late But Lucky version
Love it!
Oh God! You are one of my favorite cosplayer worldwide! Reading this post of yours makes me very happy.
Sorry for the huge delay in my response
Sorry for the huge delay in my response
Hey there, very nice costume, I've been interested in Alice Madness Returns for a little while, was just wondering where abouts did you buy that costume?, or if you knew any people that specialised in making costumes that look authentic, such as yours.
Good work, would be good to hear from you
~ Hayley
Good work, would be good to hear from you
~ Hayley
You replied to me and not the cosplayer haha! Oopsie. But I'm sure she made her costume, and didn't buy it.


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To Place your order
Call if you need assistance placing an order or you have additional questions call:
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Yesterday Citi sued Barclays over an indemnity that Barclays gave Citi during the collapse of Lehman Brothers, and while, yes, the lawsuit is boring in the way that only lawsuits over indemnities can be, I'm nonetheless going to tell you about it under the heading "laugh at Citi doing stupid stuff." The stupid stuff here is roughly:
- Citi was the clearing bank for Lehman Brothers FX trades, with gross exposures in the tens of billions of dollars.1
- Lehman ran into some trouble in September 2008, as you may have heard.
- On September 9, 2008, one week before Lehman's bankruptcy filing, Citi decided it might be a good idea to get some security for its Lehman FX clearing exposure, in the form of getting set-off rights against $2 billion that Lehman Brothers Holdings (the public parent company) had on deposit at Citi.
- On September 15, 2008, after Lehman Brothers Holdings had filed for bankruptcy, Citi decided that it might not be a good idea to continue extending credit to Lehman Brothers Inc. (the non-bankrupt broker-dealer subsidiary) and so terminated its FX clearing arrangement.
- Lehman Brothers Inc. begged Citi to reconsider, and Citi agreed to provide basically two more days of clearing (through September 17) in exchange for $1 billion of new collateral posted by Lehman.
- Lehman Brothers Inc. continued to not pay Citi amounts that it owed.
- So Citi again stopped clearing for Lehman.
- This time Barclays, which had agreed to purchase the Lehman U.S. broker-dealer operations, begged Citi to reconsider, and Citi agreed to provide basically two more days of clearing (through September 19) in exchange for $700mm in new collateral posted by Barclays.
- Lehman Brothers Inc. again continued to not pay Citi amounts that it owed, and was placed into SIPC liquidation on September 19.
- Citi again stopped clearing for Lehman, for real this time, and closed out its positions at a loss of something like $1,260mm.
- It set off $1bn of these losses against the collateral posted by Lehman.
- Then Barclays called Citi, in October 2008, and asked if it could have its $700mm of collateral back.
- Citi said yes!2
- Citi spent four and a half years trying to get its money back from the Lehman bankruptcy proceedings, got some of it back, and now, four and a half years later, is suing Barclays for the remaining $138mm.
I mean! The rest of the lawsuit is all sort of polite sniping about who should have done what when – there's a mildly amusing dispute about whether Citi can get the $11mm in FX commissions it wants to charge the ghost of Lehman for closing out its trades3 – but honestly Citi you don't give the collateral back. Citi wasn't just exposed to Lehman risk, it had actually lost money – hundreds of millions of dollars – that was supposed to be secured by that Barclays collateral. It nonetheless gave the money back based on an understanding that, basically, it would sue Barclays for the money at some time in the distant future. And now it has.
This contrasts rather sharply with another big clearing bank, JPMorgan, about whom the ghost of Lehman had this to say:
On the brink of [Lehman Brothers Holdings Inc.]'s bankruptcy, JPMorgan leveraged its life and death power as the brokerage firm's primary clearing bank to force LBHI into a series of one-sided agreements and to siphon billions of dollars in critically needed assets. The purpose of these last-minute maneuvers was to leapfrog JPMorgan over other creditors by putting itself in the position of an overcollateralized creditor, not just for clearing obligations, but for any and all possible obligations of LBHI or any of its subsidiaries that JPMorgan believed could result from an LBHI bankruptcy. The effect of JPMorgan's actions – taken with the benefit of unparalleled inside knowledge – was devastating.4
Devastating for Lehman perhaps, but all in all pretty okay for JPMorgan. Better to keep your money, get called a meanie, and be sued years later than to give up the money and hope it all works out. If you have the life-and-death power, and inside information, that comes with being a clearing bank, it's probably best to use it, even if you end up looking like a jerk.5
Or so I would have thought. Am I wrong? I've never been a clearing bank, and it's true that my image of how to do it properly is informed mainly by the quite alpha example set by JPMorgan in its dealings with Lehman and, for that matter, MF Global. But for a vast-exposures-and-slim-margins kind of business, that alpha model seems like the right one, no? If you're not losing a few lawsuits over your overly aggressive actions to protect yourself, you're probably not doing enough to protect yourself. If you're bringing the lawsuits it's hopeless.
Citibank v. Barclays Bank [S.D.N.Y.]
Citigroup sues Barclays over losses tied to Lehman [Reuters]
1. From the complaint (paragraph 49): "By the end of the day on September 18, 2008, as a result of LBI's continued failure to repay short balances owing and Citibank's withholding of certain long balances, Citibank had a total short position in its U.S. dollar account of approximately $17 billion and long and short positions in fifteen foreign currencies, which netted to a long position worth approximately USD $16 billion."
2. From the complaint (paragraphs 59-60):
A few weeks after the Sale Transaction [in which Barclays acquired Lehman assets] closed, Barclays requested that Citibank return the $700 million cash collateral deposited with Citibank, and rely for repayment of its CLS [FX clearing] losses solely on an unsecured indemnity from Barclays. Given Citibank's longstanding relationship with Barclays and Barclays' creditworthiness, Citibank agreed.
Beginning in October 2008, the parties negotiated replacing the $700 million in cash collateral with an unsecured indemnity.
3. Citi says yes, in part because:
The substantial time and resources devoted by Citibank's FX traders to unwind LBI's CLS positions diverted them from conducting their own trading in this highly volatile (and hence potentially highly lucrative) market. In performing the unwind trades, Citibank passed on the rates it received in the market directly to LBI. Partially to compensate Citibank for its time, efforts, and lost opportunities, Citibank's FX trading desks applied a reasonable commercial spread of 10, 15, or 20 basis points to these trades, depending on the currency's liquidity and the amount Citibank was forced to unwind. These spreads are consistent with the spreads Citibank charges clients for handling similarly-sized orders.
Of course they could have lost money too.
4. It goes on, irresistibly:
JPMorgan not only took billions of dollars more than it needed from LBHI, but it also accelerated LBHI's freefall into bankruptcy by denying it an opportunity for a more orderly wind-down, costing the LBHI estate tens of billions of dollars in lost value.
JPMorgan accomplished its design, in part, by using the threat that it would stop providing LBHI's subsidiaries, including Lehman Brothers Inc. …, with the essential clearing services that were the lifeblood of Lehman's broker-dealer business. With this financial gun to LBHI's head, JPMorgan was able to extract extraordinarily one-sided agreements from LBHI literally overnight. JPMorgan then relied on those overreaching and invalid agreements to extract billions of dollars in collateral from LBHI shortly before the bankruptcy, collateral that JPMorgan used not for clearing exposures, but to secure billions of dollars of grossly exaggerated exposures that it now claims were incurred as a result of Lehman's bankruptcy filings.
That's from paragraphs 1 and 2 of the First Amended Complaint in Lehman's bankruptcy suit against JPMorgan, filed September 15, 2010, and I kind of can't believe I hadn't read it before. The whole thing is wild, stirring stuff.
5. Related: per that complaint JPMorgan was extorting more collateral on August 18, 2008, and "LBHI was insolvent and/or undercapitalized," or so claims Lehman's estate anyway. Citi didn't ask for more security until September 9.


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A Plunger for Mom
The Shocker remind me of my mom. In our house, my mom ran the show; if she was sick, we all suffered. When she finally had it with hearing, "Ma, can you [fill in the favor]?" she'd say, "Ma's not here."
In the family of early-'90s rock bands, L7 wore the pants. Their effort was audible: With a snaggletoothed snarl, songs like "Pretend We're Dead" and "The Bomb" mocked laziness and superficiality like it was a job. L7 resented having to kick our ass, but it was their self-appointed duty, and they probably loved it. By the time the four women co-founded Rock For Choice in 1991, Rosie the Riveter had a rock band.
Bassist-singer Jennifer Precious Finch left L7 in 1997, and has a new quartet. The Shocker's EP Up Your Ass Tray! is heavy yet brisk punk rock 'n' roll with a chrome sheen. Finch takes a well-deserved detour from being a workhorse of social consciousness.
"My Life as a Plumber" opens with a two-note guitar siren, rescue-mission style, and chords jab forward like a plumber's snake being fed through a pipe. From an early age, Finch was a problem solver. "While everyone around me was too scared to react/I said 'Hand me the plunger, baby, and stand back,' " she bellows. But now she's through playing Ms. Fix-It, and flushes her dependents down the crapper so she can tend to her own clogs.
She switches occupations to archaeology in the ebullient and raucous "Your Problem Now." After busting her ass on the dig, Finch is ready to let someone else break their back. "Uncover, discover, recover, plow. . . . It's your problem now!" she triumphantly cries as a gang of vocalists (nine of them, the credits say) belt out the husky, sashaying chorus.
Finch is always going to rock the frontline, but now she's got other priorities. Fittingly, the Shocker cover Chip Taylor's (then Merrilee Rush's, then Juice Newton's) premarital fuck-and-run anthem "Angel of the Morning," which sparkles like a can of Coors Light in the sunrise. It's an apropos song for someone learning how to freely come and go.
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a silk ball by kumarvijay1708Watch
©2013-2016 kumarvijay1708
very lucky to get such excellent light condition
Excellent photo: sharp, good positioning, nice colors.
Hi there in order to have this shot submitted to "Olympus Photographers" You will need to clarify what camera you used, we normally do this by checking meta data.
i have only one camera it is olympus sp 800uz with which i take all the photographs this one is also taken with the same model
That is perfect! <3
I'm curious though - what lens did you use for this?
I'm curious though - what lens did you use for this?
my camera is olympus uz800 it comes with fix lence i was very lucky it allowed me to get very close almost 5 to 8 feet
Nice Shot, calm bokeh, me likes^^
sooo cute...brilliant shot!!!
oh my goodness! ^_^ so adorable
and beautiful shot, crisp and clear
and beautiful shot, crisp and clear


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Tactical baseball game. The defensive player chooses one of eighteen pitches on the plastic selector device. The offensive player chooses "steal", "high swing", "middle swing", "low swing" or "take" on the device. The door of the device is opened to reveal the result. The device tells the players where the ball landed if the ball was hit. Standard baseball rules apply.
The game has the endorsement of Major League Baseball.


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This is the blog site of Daganac'h, an embodiment of the Divine Feminine, serving holistically and universally on behalf of Mother Earth.
Daganac'h's role is to assist the ongoing Awakening and Ascension taking place within the collective body of humanity, which – much like a caterpillar evolving into a butterfly - is gently unfolding and transforming humanity into conscious Oneness and Unity.
Here you will find articles, parables and poems for your inspiration.
The deepest and most fundamental question humanity asks itself is "Who am I?" In so doing, the quest for true identity begins.
Thank you for your visit! May you resonate with the Energy of Love within these pages.
Sharing LOVE is the greatest Divine Service we can offer,
and it is our most treasured gift.
~ Daganac'h ~
News, gatherings, events, services and more. Take a look around!


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Bulletin of the Boston Society of Natural History, Issues 1-30
The Society, 1915 - Natural history
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Page 3 - Society may recall seeing this collection on exhibtion at the World's Fair at Chicago in 1893, and meeting Mr. Lamb, who accompanied it and who personally attended to its proper repacking. and return. Thanks to his care, it did not suffer by this trip. Only a very few pieces will be put on exhibition at present owing to limited space, but any mineralogist who is interested in the collection will be welcome to see it at any time.
Page 9 - The collection of George L. Brigham was obtained in March and contained nearly 4,000 specimens, probably half of which are from New England localities. Mr. Brigham, a resident of Bolton, had collected extensively in the well-known localities of that town and surrounding towns. This collection fills out the Society's New England series and puts us in a strong position to offer exchanges.
Page 3 - Paris. The collection is thus rich in materials from these places, and as Mr. Lamb never let a specimen go that was once included in his collection, some of the individual specimens are unusually fine. In addition to the tourmaline, beryl, purple apatite and smoky quartz from these quarries, are notable specimens of amethyst from Stowe, rose quartz with greasy lustre from Mt.
Page 17 - San Francisco, Cal. CHRISTOPHER JOHNSON, Baltimore, Md. DAVID S. JORDAN, Stanford University, Cal. JOHN KING, Boone, Iowa. CORNELIUS KOLLOCK, Cheraw, SC ARNOLD LANG, Zurich, Switzerland. E. RAY LANKESTER, London, Eng. R. VON LENDENFELD, Czernowitz, Austria.
Page 11 - The stock of Transactions has been written down to half the published price and it must also be noted that since 1st October three parts of Volume 41 and one reprint have been handed over to the Agents. MEMBERSHIP There have been recorded during the year 12 deaths, 15 resignations and 10 names have been dropped for nonpayment of dues making a total loss of 37. Against these losses there have been 64 new members elected making a net gain of 27. The membership by classes is as follows:— Honorary...
Page 14 - XEWCOMB, 43 Tremont St., Boston, Mass. FREDERICK H. NEWELL, Absent. MRS. EDITH J. NICHOLS, 294 Marlborough St, Boston, Mass. SERENO D. NICKERSON, Masonic Temple, Boston, Mass. WILLIAM H. NILES, Mass.
Page 18 - Washington, DC ROBERT RIDGWAY, Washington, DC HEINRICH ROSENBUSCH, Heidelberg, Germany. CM SCAMMON, San Francisco, Cal. PHILIP L. SCLATER, London, Eng. ARC SELWVN, Ottawa, Can.


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Dust in the Wind
ONE OF MINNESOTA'S largest electrical co-ops, the Eden Prairie-based Co-operative Power, last spring began offering its consumers a choice of where their electricity comes from. Under the co-op's Wellspring program, customers can buy 100-kilowatt-hour blocks of wind-generated electricity. If enough sign up, Co-operative Power, an electrical distribution co-op for 17 retail electric co-ops in rural Minnesota and Twin Cities suburbs, will erect wind generators in southwestern Minnesota.
Local environmentalists, however, are decidedly ambivalent about Wellspring. The hitch is that the subscription price for each kilowatt hour of electricity has a $2 premium tagged to it. (That's down from earlier estimates of $4 per kwh, making Co-operative Power the lowest-priced program of its kind in the country.)
"It's been a very troubling issue for us because we love the idea that a cooperative utility--the first one in the country--would come forward voluntarily and offer to build wind energy," says J. Drake Hamilton of Minnesotans for an Energy Efficient Economy (ME-3), a coalition of 15 area environmental groups. "But this is boutique pricing of wind energy." By law, NSP must build a certain amount of wind capacity. But since it's selling its green power to other electric companies, they may be discouraged from developing their own clean-energy sources.
Hamilton is among those who have simultaneously supported and criticized Co-operative Power's efforts. Nobody is questioning that wind-generated electricity is at least a wee bit more expensive than coal or nuclear. But rather than having a few well-heeled environmentalists pay upscale prices for wind power, critics insist, Minnesotans should all share the cost of increasing the amount of "clean" electricity produced by wind, solar, and bio-mass. That, they say, will cost each Minnesotan a few monthly cents.
ME-3 and its partners want lawmakers to require that 20 percent of Minnesota's electricity come from green sources by the year 2010. Green pricing, they say, will never get us there. "In places where this has been tried across the country the most you get is between 1 and 2 percent of the residential customers signing up," says Hamilton. "That will never take us to a sustainable energy future."
The percentages aren't in yet, but approximately 1,500 electrical consumers are less ambivalent about green power than the environmentalists. Originally Co-operative Power was cautiously projecting the construction of two 500-megawatt wind generators. "As a result of the price reduction, our subscriptions have doubled," says Wellspring Project Manager Tim Seck. "We're just shy of enough for two generators and a third is a possibility." Even more surprising, Dakota Electric, one of Co-operative Power's suburban members, has a 50-block commitment from an industrial customer, and Seck expects more industrial subscriptions. (It was data from Dakota Electric customers that convinced Co-operative Power to pursue premium-priced wind energy. A survey of Dakota's customers showed that a fairly high percentage of them would pay extra for a green product.)
Some customers may have been scared off by controversy about green pricing, however. In June, a Star Tribune article that quoted some lukewarm ME-3 members suggested that consumers were about to be "greenwashed." Seck and his co-workers fielded hundreds of calls from confused customers. "This isn't greenwashing. We've got support in the environmental community because we utilize new generation [technology]," he says. "We're building new plants so our members can make a difference in the environment."
The entire issue is clouded because United Power Association, another large distribution co-op, is also offering a green pricing scheme. But ME-3's Hamilton sees a greenwash amaking, noting that UPA will buy its wind-generated power from NSP. While UPA says that initially, this will protect its customers, critics contend that it won't help increase the state's renewable energy sources. The Minnesota Legislature required NSP to generate wind electricity as a result of negotiations over storage of nuclear waste at Prairie Island, he explains. Legislators traded dirty storage for clean wind power. "NSP customers will get browner power. They'll have more coal and more nuclear in their mix and won't even know it," says Hamilton. "That's not what the Legislature intended."
Ironically, clarity for confused consumers and ambivalent environmentalists may be just around the corporate corner. Co-operative Power and UPA are talking merger.
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From the Blog
Student Committee for the Arts at UCLA is proud to present Thundercat live at Royce Hall on Friday, May 29th, 2015 at 7p.m.
Opening acts include Teebs and student band Apollo Soul. Tickets are on sale to the public for $25-$35 with fees and can be purchased on Ticketmaster or at UCLA CTO. UCLA students with valid Bruincards get in for free, and those who RSVPed will receive their vouchers via email from UCLA CTO on Thursday, May 28th. The vouchers will be specific to your name and student ID number, and you will be able to pick up your ticket with the voucher and your Bruincard on Friday evening before the show. If you did not RSVP, there will be a standby line at the doors.
Lo and behold! It's this time of the year again! Student Committee for the Arts is looking for even more fantastic humans to join our team for the 2015-2016 school year. Our website lists a few of the events we have programmed throughout the years, but some of our favorites include~
– Annual Royce Hall concert with artists such as Thundercat, Unknown Mortal Orchestra, Dirty Projectors, Portugal. the Man, Haim, Janelle Monae and many more.
Join us this upcoming Monday 11/2, for November's BRAVE SPACE at Northwest Campus Auditorium hosted by Student Committee for the Arts at UCLA!! What is BRAVE SPACE? BRAVE SPACE is the new Residential Life open mic night! It's every first Monday of the month @ Northwest Campus Auditorium & it provides a space for you […]
Thanks to the incredible student artists that performed at Arts in the Union this year. Enjoy the photos!
The Student Committee for the Arts at UCLA presents a free screening of: The Comedy [2012] "Either remarkably sustained or unrelenting, depending on your point of view, Rick Alverson's ironically titled The Comedy is an epic display of the over-privileged, eternally adolescent white American male behaving badly. The anomie of entitlement pushed to poisonous extremes […]


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Red Mccoy vase #618
- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: Ceramics
- Source: eBay
- Sold Date: Jan 09,2008
- Channel: Online Auction
Rare McCoy Red Pitcher measuring 9 in. high by 6 in. across top.This pitcher has red/rust tones in an embossed floral pattern on the outside of the pitcher with a creamy crackle glaze finish on the inside. The pitcher is in good condition with some wear on the handle and at the rim. The bottom is signed 618 Mccoy USA. Winning bidder to pay shipping and insurance.


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Political Participation and the Problem of Apathy
If we want the political order to resemble an assurance game rather than a prisoners' dilemma, we should encourage political participation. That is one of the lessons drawn from the analysis in Chapter 7 of the conditions that foster conditional altruism and active, public-spirited citizenship. The lesson is clear. Participation brings the individual into contact with other members of a group, thus facilitating communication among them and strengthening his or her attachment to the group as a whole. How to put the lesson into practice, however, is not so obvious.
There are two problems here. One is that there are many different ways to expand opportunities for participation. As I pointed out in the previous chapter, small schools provide their students with better chances to participate than large schools. The social networks and the sense of competence that grow out of this kind of participation should spill over into the civic domain, thereby contributing to more political participation. One way to promote participation, then, is to convert large schools into smaller ones. But there are so many other ways to promote participation that determining where and how to start becomes a difficult problem.
The second problem is apathy. Participation may foster solidarity and active, public-spirited citizenship, but how can it do this when many or most people apparently prefer to play the part of the citizen-consumer? How do we inspire political participation among those who see little or no point to it?
In this chapter I shall examine two strategies for increasing participation and reducing apathy. These are not the only strategies worth considering, nor are they necessarily the best. Indeed, I shall argue that it would be a mistake to follow one of them. They do illustrate the variety of ways in which one can try to promote political participation, though, and the differences between them are striking. The first proposal would increase participation by installing a computer-assisted form of direct democracy; the second would preserve representative government, at least at the national level, while compelling citizens (in the legal sense) either to vote or to


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rory cochrane
'Oculus' Review: Horror Reduced by a Slimming Mirror
- By Rob Hunter
- @FakeRobHunter
- April 10, 2014
Editor's note: Our review of Oculus originally ran during this year's SXSW, but we're re-posting it now as the film opens in theaters this weekend. Tim Russell (Brenton Thwaites) is getting out of the mental hospital because he's finally been cured. He no longer believes an evil mirror possessed his...
'Argo' Trailer Is The Best Bad Idea Ben Affleck's Had as a Director
- By Scott Beggs
- @scottmbeggs
- May 8, 2012
Remember when Ben Affleck, Alan Arkin, Bryan Cranston, John Goodman, Richard Kind, Scoot McNairy, Chris Messina, Michael Parks, Kerry Bishe, Kyle Chandler, Rory Cochrane, and Tate Donovan all got together to make a movie about a fake movie being made in order to rescue hostages being held in Iran? This trailer is one...
Criterion Files #336: 'Dazed and Confused' Wipes That Face Off Your Head, Bitch
- By Landon Palmer
- @landonspeak
- June 15, 2011
When I write this column, I typically don't get the opportunity to write about movies from my teen years. I, like many, came into a cinephilic love for art and foreign cinema during college, and in that process grew to appreciate The Criterion Collection. Richard Linklater's Dazed and Confused (1993),...
Reel Sex: The Slacker Sex God
- By Gwen Reyes
- April 6, 2011
When I look back at the films of my youth one thing remains constant—I love a 90s slacker. Tall, long-haired, ripped up jeans and cardigans falling disheveled off their shoulders. These are the men I always kept in the back of my mind as I entered the dating world. However,...


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DHS junior Caitlin Mazzoleni puts up a shot in a home game earlier this season. On Tuesday, the Lady Blue Devils lost their first Delta Valley Conference contest of the year, falling 54-51 at Monterey Trail. Wayne Tilcock/Enterprise file photo
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