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'Selma' version of Lyndon B Johnson is a dangerous distortion
- January 19, 2015, 01:00
I went on Friday morning to see Selma and found myself watching it in a cinema full of black teenagers. Thanks to donations, DC public school kids (...)
Fury director David Ayer: 'War is hell, yeah'
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- October 24, 2014, 01:45
David Ayer must be the only filmmaker in the world who can look manly while stirring and sipping peppermint tea. Speaking in a low, deep voice, the(...)
Denzel Washington: 'People retire because they think they should, but you need that work to live'
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- September 26, 2014, 01:00
One of Denzel Washington's great tricks is the sudden, disconcerting mid-sentence shift of mood. We're nattering about his early years on the stage wh(...)
The Equalizer review: ludicrous, deafening, hugely entertaining
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- September 26, 2014, 00:00
The key scene in this ludicrous, deafening, hugely entertaining romp comes about two-thirds of the way through. By this stage, we have discovered t(...)
O'Dowd and Greene lose out in Tony Awards
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- June 9, 2014, 14:01
Irish actor Chris O'Dowd lost to Bryan Cranston for best actor as LBJ in All The Way at the 68th annual Tony Awards last night. O'Dowd, from Boyle, Co(...)
US boxer Rubin 'Hurricane' Carter dies aged 76
- April 20, 2014, 17:34
Former US professional boxer Rubin "Hurricane" Carter, who spent 19 years in prison for murder and then was released after it was determined he(...)
I believe I can fly: Patrick Freyne takes to the skies over Ireland
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Regular visitors to Planet Cinema might be forgiven for squinting a little during the frolicsome summer confection 2 Guns. Who is that untrustworthy N(...)


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Your Itinerary Help: Switzerland, Germany, Austria, Hungary, etc.
We are starting to plan a trip that will begin in Zurich, take us around Switzerland, into Bavaria, then Austria, perhaps to Budapest, then to Prague, Krakow, back into Germany to Berlin and then, well, we're not sure. We go at a reasonably leisurely pace but can hustle along if need be. So, my initial questions are: 1- If you have done a similar trip, what would be a sensible routing? And perhaps your suggestions as to time allotments; 2 - Car rentals - It's my understanding that crossing certain borders is either prohibited or is prohibitively expense. So any info you have on this is appreciated; 3 - Any particular recommendations you might have, especially of places and sights that are less well known but special to you. That should do it for now. Thanks!


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I'm more or less a complete bike and Brompton newbie. I bought a (barely) used Brompton from a friend and have started bike commuting in Manhattan, and am loving it so far. I also took it out to Long Island I biked a bit there, but the hills almost killed me; I really wished I had the six gears. I used to bike everywhere around there as a kid, but I don't remember the hills.
My first order of business is to get lights for night riding in the city. I tried to read up on them on BF and the web, but am thoroughly confused. I'm not clear on what I should be looking for, or what will work well on a Brompton. What sort of lights would make sense? Cheap is of course good, though I'm will to spend money if there's good reason to.
Does anyone have experience with Bfold, the folding bike shop in the East Village? I see lots of mention of NYCeWheels, which seems to be well known, at least because of their huge web presence. However, I live on the Lower East Side, so Bfold is much more convenient. So I'm wondering if they're good and reliable, and if they are, I can make them my go-to bike shop. I might buy my lights there.
Anyway, thanks for any advice, and for indulging this noob.


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With the U.S. government closed, Congress stuck in political
gridlock, and the nation on the verge of a possible debt default
(NYSEARCA:TLT), stock market volatility has surged.
Over the past two weeks, the CBOE S&P 500 Volatility Index
(^VIX) has jumped almost 25%. Meanwhile, the S&P 500
(NYSEARCA:SPY) has slipped around 1.76% over the past five trading
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Although the VIX bottomed in March near 11.30, stock market
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it strikes. (See our piece "
Is the Sleeping Giant Ready to Awaken"
from 8/30/13)
Is this time different or a repeat of what the VIX did just a
few months ago?
From May 24 to June 20 the VIX (NYSEARCA:VXX) surged just over
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At a work meeting.... I sneezed, farted and peed my pants all at the same time.
This pregnancy :
On DD's first birthday.... The morning sickness was really bad and when I bent down to pick her up I accidentally vomited on her face in front of 50 people.
Okay mom's.... Tell me yours!


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Department of Earth Sciences
The Department of Earth Sciences offers comprehensive programs of study leading to Bachelor of Science degrees in Meteorology, Ocean Sciences and Coastal Studies, and Geology. We also offer a program for earning a Bachelor of Arts in Earth Sciences, with an option in Environmental Geology, and a Bachelor of Science in Education in Earth Science with a teaching certification in Earth and Space Science. In 2012 the Department launched a Master of Science in Integrated Scientific Applications with specializations in Weather Intelligence and Risk Management, Climate Science Applications, Geoinformatics, and Environmental Systems Management.
Department News
Dr. Yalda receives "Educator of the Year" Award
Dr. Sepi Yalda is a Professor of Meteorology, the Director of the Millersville University's Center for Disaster Research and Education (CDRE), and serves as the Coordinator for the Master of Science in Emergency Management. (MSEM) program. The Educator of the Year Award is given annually to one faculty/staff member in recognition of sustained outstanding teaching, counseling, mentoring, and advising.
MU Professor receives "Student Ally of the Year" Award
Dr. Duane Hagelgans, assistant professor of earth sciences at Millersville University (MU), was awarded Student Ally of the Year at the 63rd annual International Association of Emergency Managers (IAEM) conference on Nov 18, held in Nevada. Hagelgans, who was nominated by one of his students, received the award in recognition of being a trusted and dedicated student adviser, educator and community member since joining the University in 2007.
Scott Jacobs Receives 2015 DeSouza Award
Scott Jacobs of the National Centers for Environmental Prediction (NCEP) has been awarded the 2015 Russell L. DeSouza Award by the Unidata Users committee. The DeSouza Award honors "individuals whose energy, expertise, and active involvement enable the Unidata Program to better serve the geosciences." Read more >>
MU Student Researchers in Ellis, Kansas!
Two Millersville University faculty members, fifteen undergraduate, and one graduate meteorology students spent much of this summer on the adventure of a lifetime studying nighttime thunderstorms in the Great Plains of Kansas. Millersville staged its operations at Ellis, KS, where it deployed a suite of ground-based and balloon-borne instruments. Read more about the massive Plains Elevated Convection at Night (PECAN) project >>
AMS Publishes Space Weather Report by MU Meteorology Student
Meteorology student, Mike Cook, is interning this summer at the University of Colorado through a National Science Foundation Research Experience for Undergraduates program. Mike's Space Weather report (pdf) has just been published by the AMS. In addition, Mike serves as the student representative to the American Meteorological Society Science and Technology Committee on Space Weather.
DES faculty and students participate in WACS II
Dr. Robert Vaillancourt, Evan Ntonados (OSCS/MET) and Jeremiah Stone (BIOL/OSCS) participated in a NOAA-sponsored project, the West Atlantic Climate Study (WACS II) aboard the research vessel (RV) Knorr, a 279-foot global class research ship, from May 18 to June 7. The focus of WACS II was to determine the links between surface ocean phytoplankton and the production of freshly-emitted sea-spray aerosols, organic compounds produced by phytoplankton that are then ejected to the lower atmosphere and impact Earth's climate by attenuating incoming solar radiation and providing cloud condensation nucleii. The multi-investigator study site extended from just south of Nova Scotia Canada to the waters around Bermuda, and was headed by NOAA scientist Dr. Patricia Quinn, of the Pacific Marine Environmental Laboratory, Seattle WA. The Millersville University contribution was to measure phytoplankton biomass and species composition in the ocean's upper mixed layer.
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Lakeland, FL 33803-1153 Claim Your Listing
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The most common criticism of Greg Nickels was that he ran the city like a Chicago-style political boss--using strong-arm tactics like sending out his bulldog Tim "The Shark" Ceis to threaten political opponents and bend the council to Nickels' will.
Flickr Maybe McGinn's Chicago-style fedora inspired him to engage in a little political manipulation for a much-needed win.
For the first three months of his term, Mike McGinn has seemed to be suffering the opposite fate. When the council disagrees with McGinn--whether on the tunnel or his proposed levy to replace the aging downtown seawall--they publicly scold him, then move on with their own agenda. That is, until now.
McGinn vocally opposed Tim Burgess' anti-aggressive panhandling ordinance. And he managed, at the last minute, to get enough "nay" votes to support a mayoral veto, which he plans to do. It seems he's finally starting to get the hang of effective (or as Nickels' opponents called it: "Chicago-style") politicking.City rules says a two-thirds majority of the council can overturn a mayoral veto. And as of yesterday morning, McGinn only had three council members on his side. Shockingly, longtime McGinn ally Mike O'Brien was not one of them.
Before yesterday's vote, Steve Scher asked McGinn about it (with his standard vagueness):
Scher: "Have you been making any phone calls to any of the council members, to get them to vote one way or the other, you do any arm twisting?"
McGinn: "No, I don't do arm twisting."
Scher: "Mike O'Brien was elected in part, you know, Mike O'Brien and Mike McGinn were kind of running together. I believe he said, the latest I heard, was that he was going to vote for this. I don't know if that's changed or if that was accurate."
McGinn: "I'd urge people, if they have an opinion one way or another, to give Mike a call before 2:00 today."
And by the time 2 p.m. rolled around, O'Brien had a change of heart. The ordinance passed 5-4, too weak to withstand a veto. The Seattle Times reports that McGinn did actively lobby O'Brien to change his vote. "Arm twisting," "calling someone out on the radio," "poTAYto," "poTAHto."
McGinn has 10 days to veto the measure. Then the council has another 30 days to overturn his veto. So don't be surprised if the Downtown Seattle Association and other backers of the Burgess ordinance do some passive-aggressive arm twisting of their own to try and convince one of the opponents in yesterday's vote to support it the second time around.


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"Berastagi: Volcanoes and Batak Karo culture" Top 5 Page for this destination Berastagi by Bonobo2005
Berastagi Travel Guide: 62 reviews and 204 photos
Berastagi, just a few hours away from Medan, came as a big and pleasant surprise to me.
After visiting the main tourist spots of Bukkittinggi, Lake Toba, Bukit Lawang and Medan, it was a relief that really NOBODY tried to overcharge or push me for almost a week. It's pleasantly cool, situated in the highlands, there's beautiful scenery with brilliant (day-)hiking options around the volcano's and villages.
Despite the numers of visitors, the local community is still enthousiastic, friendly and helpful.
The rich Karo markets are also a must and you can check out Karo architecture, although the ancient lifestyle seems to be replaced by modern standards. Some guesthouses like Wisma Sibayak are excellent places to meet other traveller's and to obtain all info you'll need.
I really enjoyed my stay so Berastagi is a place I can heartily recommend a visit !
Reviews (18)
When walking around the village of Gurusinga, suddenly the "poffertjes" man arrived on his bicycle! Poffertjes are... more travel advice
Travelling by local transport - f.e. bemo -always gives great opportunities to meet and observe local people in a... more travel advice
A very funny - because it's so obvious -, but sneaky trick is the donation book. While a donation of about Rp 3000... more travel advice
The traditional Karo houses are remarkable complex structures that are constructed without the use of any metal. You... more travel advice
Comments (10)
I love your "lunch on the top of the world" photo. Your excellent pictures and descriptions really offer a sense of the spirit of this place. Great page!
i like the volcanoes photos ,they are looks amazing
A very entertaining page with great views into everyday life here! Whew, fantatic views from atop Mt. Sinabung - what a reward for the climb! Being right down into Sibayak crater would be mind-altering too!!
it is obvious that you know how to travel, in particular off the beaten tourist paths; most useful tips and some stunning pictures; btw the donation book with added "0"s reminds me of the Parmalat book-keeping :-)))
I've seen those Rip-off donation books a few times myself! It's too bad about the bus experience! I had some fun experiences with Betul Nut chewing old women! LOL Another Exciting page!!
U know what, I've been here countless times, but never to G. Sinabung! Looks fascinating!
I agree with your impressions of Berastagi. great cool little town. I also jumped off in Dokan. Brought back memories.
I wasn't familiar with Berastagi before. . .this is a great introduction. :-) Those school kids are adorable.
Great page and pix about this wonderful country.
again, enjoyable and precise reading for a not so touristic part of Indonesia. lovely cow photo :-)
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Berastagi Travel Guide
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- "berAStaGi: a HighLAnd outside Medan"
- "Home of the Berastagi-fruit"
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Located in the eastern section of the San Francisco Bay area, Alameda County is as beautiful as it is busy. Over a million residents call this county home – impressive for an area that started out as a small trolley-car suburb of San Francisco. The county seat, Oakland, is one of the largest cities in the state.
Oakland is a major port city with a lot to offer. It is a great location for sports fans — the MLB Oakland A's baseball games and the NFL Oakland Raiders football games are both held at the O.co Coliseum. For those who prefer basketball, the NBA Golden State Warriors play at Oracle Arena.
For those who prefer the arts, Oakland has a very large community of artists and has a varied and extensive art scene. In addition to the many galleries in Oakland art enthusiasts can visit the Oakland Art Museum or attend the annual Fine Arts Festival. Other festivals include Chinatown Streetfest, Lakefest, the Oakland Greek Festival, the Montclair Jazz and Wine Festival, Oaktoberfest, the Eat Real Festival, Germanfest, and the Laurel Street Fair.
The Alameda County Fair is held at the fairgrounds in Pleasanton. The fair includes an amphitheater, a golf course, and the oldest one-mile horse racing track in the country. Pleasanton is about 25 miles from Oakland and is an upscale suburb. It is home to several businesses, including Kaiser Permanente, Oracle, and Safeway.
North of Oakland is the city of Berkeley, home to the University of California, Berkeley. UC Berkeley was established in 1868 and is one of the most prestigious universities in the world. It is the oldest university in the University of California system.
Other cities in Alameda County include Albany, Newark, Dublin, Piedmont, Fremont, Hayward, Union City, Livermore, and San Leandro. Other communities include Fairview, San Lorenzo, Castro Valley, Ashland, Cherryland, Asco, Brightside, Verona, Mattos, Halvern, and Kilkare Woods.
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iHerb Customer Reviews
Savings of: $11.87 (20% off)
Feeling good
Posted by 5470784002743533770 on Aug 18, 2013
I have been on this product for about 2 weeks now. Although I don't feel a huge significant difference but I have to say after taking this probiotics I go to the washroom more often. Will continue taking it!<3
Was this review helpful to you?
1 person found the following review helpful
Works well for my gastric but a bit expensive for maintenance use.
Posted by Reviewer3297207 on Apr 23, 2013
Good product.
A good one
Posted by 5185999147855557324 on Apr 13, 2013
One of the leading brands in the field. Caused minor bloating but that is associated with the process of gut bacteria improving.
Has made some good difference...
Posted by Al-Pacino on Feb 19, 2013
I started taking this about 2.5 months ago to try and improve my chronic constipation (years). I am already beginning to see some changes and about 30% to 50% more stools.
Impressive formula
Posted by 5677327641569616529 on Oct 24, 2012
I am having digestive problems so chose this product over other probiotics. My only complaint is the capsules casings are made from animal gelatine. Even though I am mostly vegan I chose this over other products though.
대장암 수술하신 아빠 사드렸는데
Posted by Reviewer2061750 on Oct 03, 2012
괜찮은 것 같아요 휴대하기도 편하고 직접 안 먹어봐서 효과는 뭐라 말할 수 없지만 안 먹는거보다야 낫겠죠 다 좋은데 가격이 너무 세서 재구매는 망설여지는 제품
Posted by 5282778767263760599 on Sep 18, 2012
Almost finish the box now. I normally excrete once a day but with this sometime twice a day. When I eat right, my stool is long large and solid. Looks kinda healthy to me. Also feel that my immune system is in good condition. I felt I came close to catching a cold several times this month. But have to attribute this benefit to the local herb I took at the time as well. This is my first probiotic apart from Yakult so I can not compare. I will try Now probiotic next because of the price. But I know that if allelse fail, I will come back to Dr Ohhira.
Posted by Reviewer1660363 on Sep 12, 2012
Posted by NurseEmily on Sep 03, 2012
But i prefer one in the billions not millions
a good alternative
Posted by kanaca on Aug 03, 2012
I use this product from time to time, on rotation with Nature's Plus probiotic.


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rockin' :D
Crash Bandicoot Returns was originally to be a simple mod for Crysis. But thanks to Crytek and its graphics engine, the CryEngine 3, it finally gives us the opportunity to develop a game in itself, totally free and for PC. CBR will be a sequel and not a remake of the series.
rockin' :D
yes, thats a rock. AND A D▲MN GOOD ONE
it rocks (literally)
New rocks modeled in Zbrush


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Saturday Feb 27 2010
Lions survive Sac Waldorf second round challenge
By: Kurt Johnson, The Press Tribune
Valley Christian reaches Division 5 semifinals
Sometimes the approach that a win is a win has to carry you through when nothing else will. For the Valley Christian Academy boys basketball team Friday night, survival was the best they could do, and survive they did. "You take them how you can get them," said Valley Christian coach Brad Gunter. "We did not play our best basketball of the season tonight, but most of that is a credit to Dean Stark and the Sac Waldorf players. We are fortunate to beat them, but at this point of the season I will take it." The Lions were down early and rallied in the second quarter to make it a tight one at intermission, but it was not until clutch defense and free throws down the stretch that they sealed a hard-fought 68-65 win over Sacramento Waldorf in the second round of the Sac-Joaquin Section Division V playoffs. "They are a tough well-coached team," Gunter said. "They got up on us in the first quarter by their pressure defense. Our advantage was our size but we could not, more like wouldn't distribute the ball and attack from the weak side. The second quarter we did a much better job of sharing the ball and instead of four guys scoring in the first quarter, six players had points in the second." VCA caught a break with a key Sac Waldorf injury in the fourth, and then they fouled out one of the Waves top scorers with three minutes left, but even with that, this one went to the wire. The Lions pulled out all of the stops on the defensive end, at one point going to a triangle-and-two to take away Sac Waldorf's top scorer. In the final minute, Valley Christian's defense was able to force difficult shots, allowing first Ryan Cordell and then Jesse Peters to score from the charity stripe to pull out the victory. Sophomore Jason Gish scored 15 points to lead a balanced scoring attack. Cordell added 14, while Rob Frank scored 11, Orest Shaynyuk tossed in 10 and Peters scored eight. The win puts VCA through to the section semifinals Tuesday night in Galt. The game time will be announced Saturday afternoon. It also guarantees the Lions a spot in the Northern California tournament regardless how they fare in the D-V final four. The top four in each division now qualify for the NorCal playoffs.


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Atmos Energy Corp (ATO): Today's Featured Utilities Winner
Atmos Energy ( ATO) pushed the Utilities sector higher today making it today's featured utilities winner. The sector as a whole closed the day down 1.3%. By the end of trading, Atmos Energy rose 27 cents (0.8%) to $33.12 on average volume. Throughout the day, 652,072 shares of Atmos Energy exchanged hands as compared to its average daily volume of 474,300 shares. The stock ranged in a price between $33.10-$33.93 after having opened the day at $33.80 as compared to the previous trading day's close of $32.85. Other companies within the Utilities sector that increased today were: Korea Electric Power ( KEP), up 4.7%, Delta Natural Gas Company ( DGAS), up 3.9%, Huaneng Power International ( HNP), up 3.5%, and U.S. Geothermal ( HTM), up 2.3%. Atmos Energy Corporation, together with its subsidiaries, engages in the distribution, transmission, and storage of natural gas in the United States. It operates in three segments: Natural Gas Distribution, Regulated Transmission and Storage, and Non Regulated. Atmos Energy has a market cap of $2.94 billion and is part of the utilities industry. The company has a P/E ratio of 17.5, above the average utilities industry P/E ratio of 16.7 and below the S&P 500 P/E ratio of 17.7. Shares are down 1.5% year to date as of the close of trading on Wednesday. Currently there is one analyst that rates Atmos Energy a buy, no analysts rate it a sell, and six rate it a hold. TheStreet Ratings rates Atmos Energy as a buy. Among the primary strengths of the company is its attractive valuation levels, considering its current price compared to earnings, book value and other measures. We feel these strengths outweigh the fact that the company has had sub par growth in net income.
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All Comments (42)
boooooooooooooooo to the ending
i wanna school and stocking socks video
I LOL-ed ._.
mdr narouto
This is okay
Hi sexy ur a sexy bitch?!!
Shizuka is HOT! She has big ass titties! If I was Naruto then I'll let her win because if she wins the battle then I will have to be the husband and she'll be my wife and I'm fine with that! I will bang her and grab and squeeze those big ass titties!!!
I want to sex like that
I read the comments that other people made about this video before i actually watched it... i see now why everyone was like that. Ending, hilarious.
seriously.. kirsten fucking stewart status. then the ending made me laugh my ass off. like... what the actual flying fuck?
Name of girl :O
i like this
is very nice
That looks like the anime almost lol and good work
Does the 9 tails like this
i like it
Que corriente
fuck you..
why teen not public ?
here name is shizuka
What episode is this??
fuck it haha
what episode of the first half is this
baby kyubi
they don't do any lip syncing yet make words go on during the sex
damn thats good
Sirously f --'
name of girl pls
Ending = Hilarious.
wtf did I just watch?


text:
Learn how MacUpdate Desktop can install apps on MacUpdate with the simple click of the icon. Plus, keep all your apps updated.
El Capitan Cache Cleaner is an award-winning general purpose tool for OS X. ElCC makes system maintenance simple with an easy point-and-click interface to many OS X functions. Novice and expert users alike will appreciate the powerful toolset ElCC provides. El Capitan Cache Cleaner is one of the world's leading maintenance tools, with millions of downloads around the globe.
- Maintenance. El Capitan Cache Cleaner is a one-stop solution for all of your OS X maintenance needs. Intel or PPC, Tiger or El Capitan, ElCC has the tools to keep your system running at its best. more...
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- OS X 10.7 or later
- OS X 10.4 or later for legacy build (included in download, Intel32/PPC32)


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Wisconsin Governor signs restrictive abortion bill
Upon conception a blastocyst has the exact same DNA as their adult selves. You cannot argue that biologically, they aren't a human being.
You'll notice that I didn't.
An embryo IS human. Like my brain cells. Like my skin cells, which consist of the DNA of (at least) two humans. Possibly more. You can read up on the developing science of chimeras at your leisure.
What an embryo is NOT is a legal person. An embryo does not and will never have more legal rights to my own body than I do.
Whatever you say.
You can choose to kill tens of thousands of women around the globe every year with irrational legislation, but you can not change that fact, and I know it drives you (general) insane.
The question comes down to this.
Is it more important to make abortion illegal?
Is it more important to reduce the actual number of abortions?
Those are the two choices IMHO. Everything else is an interesting philospical and ethical debate, but it doesn't give a basis for effective policy.
Max Q 2009
James J 2012
^^^ so someone's mental health > than someone else's life?
You can't be a someone else until you are actually SOMEONE ELSE, and not a part of ME. But yes, mental health should always take precedence because people who are depressed often commit suicide, which would end a life.
so someone's mental health > than someone else's life?
Do you really want me to go into who has more value here? Yes a live fully grown woman would have more value than a zygote/embryo/fetus would. Any day of the week.
Star - Mum to Abbey Road. Diagnosed with ADHD 10/21/13. ADHD does not define her, but it is a part of her definition.
In this Age of Information, I actually strongly believe, because I am left with no choice, that some people (many people) want to ban abortion not in spite of the fact that it would kill many women, but because they like that it will kill many women.
The sluts deserve to die.
Should be simple by now. I've said it before, I'll say it again. Here's the correct way to look at this "problem":
(a) Are you the owner of the uterus being discussed?
If Yes: Proceed with the decision making.
If No: Shut the fuck up.
(b) when in doubt, refer back to (a).
Mom to a hyperlexic prodigious savant who can kill you with her brain. (DD - Feb 09: Landau-Kleffner Syndrome, SPD, Hyperlexia Type III)
The question comes down to this.
Is it more important to make abortion illegal?
Is it more important to reduce the actual number of abortions?
Those are the two choices IMHO. Everything else is an interesting philospical and ethical debate, but it doesn't give a basis for effective policy.
^^^ I think this bears repeating. There are ways to reduce abortions, and NONE of those are making them illegal.
I don't choose to kill anyone. Abortion involves the deliberate action of the mother to kill her child in utero. The fetus is completely helpless, and are in need of advocates.
*Little Bean* 9/2011
*Little Nugget* due 7/2014
"If you're going to talk about me behind my back, at least check out my great ass."
Notice the onus always falls on women when it comes to abortion. We're not worried about telling men to wrap up their dicks or refrain from raping or engage actively in the family planning process.
It's always these whore women fucking everything up, slutting around and getting abortions left, right, and center!
May my heart be kind, my mind fierce, and my spirit brave


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Anyone have a GPS file of the Western Rim Trail?
I'm doing Kokopelli (with the Bikerpelli group) at the end of April and would like to do Western Rim this year. I haven't been able to locate any GPS files of the trail but would like to have them for this year's trip.
Thank you!


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See everything on sale inside our May Sale Flyer.
Shop Our Sale Flyer
Browse your favorite woodworking catalog!
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Great little set of tools
Steve H.
West Milford NJ
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Comments about
Shinwa Full Size Carving Tool Set, 5 piece
I have been carving on and off for years and have started to take it more seriously as a hobby. I worked with X-acto tools for the most part which were just OK. But I purchased this set of carving tools to expand my wood working capabilities. I have so far been really impressed with these tools they are more along the lines of a smaller tool great for detail work. They were pretty sharp out of the box. I touched them up with a wet stone and a shrop and they cut beautifully since. They do have a set with 7 tools I would recommend the extra 2 tools because they really are worth the money.
Bottom Line
Yes, I would recommend this to a friend
Great kit, but pricey
Sammamish, wa
About Me
We use it in our woodcarvers class. Great tool after it is sharpened. Gives great results for beginners.
Be careful this product doubled in price since I bought it last november!Wonder if it is because we are recommended to buy this kit?
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Searched for: "from least privilege to best privilege on your windows desktops"
Content Types
About 7 results for "from least privilege to best privilege on your windows desktops"
How to create elevated RSAT shortcuts in Windows 7
Joshua Kautzman shares a tip on how to create elevated RSAT shortcuts to help you perform administrative tasks more efficiently.
How do I use a RAM disk to help speed up disk-intensive applications?
Jack Wallen explains how to create a RAM disk on your Windows PC and how it can be used to increase the performance of disk-intensive applications.
Rethinking Windows security: Will Google's move spur others to drop Microsoft?
The Financial Times reported that Google is phasing out Microsoft Windows on employee desktops. What are the reasons and the security implications?
SolutionBase: Understanding Windows Vista Service Hardening
Microsoft has worked hard to make Windows Vista more secure than previous versions. One of the latest changes involves changing the privileges that services have when running on the system. Scot...
SolutionBase: Implementing role-based security for Windows Server 2003
Role-based security is going to be a new feature for Longhorn server when it ships. You don't have to wait for Longhorn to get those benefits now on your Window Server 2003 server. Brien Posey shows y...
Linux 101: Installing Debian GNU/Linux
Every day someone takes a whack at installing some Linux distribution on a computer and ultimately gives up out of frustration. Follow this guide to installing Debian GNU/Linux and reduce your frustra...
Immunix System 7: Linux security with a hard hat (not a Red Hat)
Looking for a hardened Linux solution? Does Immunix System 7 stack up to your needs? Read on and see why Vincent Danen thinks you should choose Immunix over the more popular Red Hat Linux.


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We expose slave masters and people smugglers in suburban Britain.
South Africa's Julius Malema talks to Al Jazeera
Simona Foltyn | 29 Jun 2014 13:17 GMT | Kenya, Uganda
Juba, South Sudan - Child prostitution in Juba continues to rise as an increasing number of unaccompanied minors and street children risk getting trafficked or abused , due to the country ' s most recent conflict.
Mary*, a 14-year-old girl, said: "I have nobody in Juba, so I ended up here at the lodge [brothel] to make a little bit of money." A Dinka from Bor, whose father died a few years ago, she lost contact with her mother, and was taken to Juba by distant relatives. Like many other girls, she was introduced to prostitution by friends.
Susan*, another 14-year-old orphan who works in Serikat market, says she cannot live off prostitution yet because of her young age. "I cannot take more than 3 men per day … even then I must sometimes rest for a few days."
Up to 500 girls out of Juba's estimated 3,000 street children could be engaged in child prostitution. A survey conducted in September 2013 by Confident Children out of Conflict (CCC) and the French embassy found that 31 percent of 159 street girls surveyed were victims of commercial sexual exploitation.
Last week, a report issued by the US State Department claimed that child prostitution in South Sudan is on the rise . "The level of displacement has really increased the risk of how many children are exposed to potential trafficking. Lots of children have lost family support and are at greater risk of being exploited," a US embassy official told Al Jazeera.
Although 2013 data suggests that over 90 percent of Juba's sex workers are foreign women from neighbouring countries such as Uganda, Kenya or the Democratic Republic of the Congo, many returned to their home countries when fighting broke out at the end of last year. Young South Sudanese girls started to fill the void in a growing market, partly fuelled by the increased presence of soldiers around Juba, aid agencies say.
The breakdown of traditional family structures during the war, neglect and abuse often precede child prostitution. Cathy Groenendijk, Director of Confident Children out of Conflict, explains that internally displaced or returnee children who have lost their parents or whose parents are unable to care for them find their situation particularly vulnerable to sexual exploitation.
" When the children grow up a bit, they start looking after themselves or even their parents. They start selling plastic bottles or polishing shoes. As the girls get older, 12 and upwards, many enter commercial sex work, " Groenendijk said.
The economics of sex trade in South Sudan
According to 15 sex workers interviewed by Al Jazeera in Gumbo and Jebel markets, girls pay brothel owners anywhere from $5-10 a day for a room. Younger girls often work in low-end brothels, and can earn as little as $10 per day - barely enough to pay rent, food and basic consumables such as condoms and toilet paper.
Based on these figures, a small-sized brothel housing five women could generate up to $1,500 per month, almost twice South Sudan's GNI per capita of $790 . As such, the brothels constitute a lucrative business for their owners, especially in light of the recent economic downturn.
Aid agencies further report cases of trafficking of young girls from disadvantaged rural areas for prostitution to Juba: "Some ladies promise poor families in Torit or Kapoeta to take care of their girls in Juba in exchange for domestic work. Then they keep them in houses, get clients for them and keep the money," an aid agency official who spoke on condition of confidentiality told Al Jazeera.
Regina Ossa Lullo, Director of Gender and Child Welfare at The Ministry of Gender, Child and Social Welfare, is aware of instances of trafficking, but says the ministry has lacked resources to investigate the topic: "We need to find out who are these elderly women who bring young girls to the brothels to work for them - it's like slavery actually."
At risk of HIV/AIDS
Though no accurate figures exist on HIV prevalence in brothels, agencies working with sex workers estimate that the vast majority of girls and women in the brothels have HIV/AIDS.
Mary has tested positive for HIV/AIDS after an older friend convinced her to go to the clinic because she looked sick. "I don't want to go back for treatment. I don't believe them, I don't feel sick." She doesn't have access to free condoms, so up to 50 percent of her daily income goes towards purchasing protection.
Organisations such as PSI and International AIDS Alliance run HIV awareness campaigns and hand out condoms, yet in light of the political unrest over the past six months, funding priorities have shifted towards protection of civilians and humanitarian aid.
Alex Wani, Director of South Sudan ' s Youth United Against Aids, a community based organisation that works with sex workers says: " We handed out 9,000 condoms in November 2013, but then there was no more funding for 7 months, until we finally got new materials this week. "
Awareness of HIV transmission and protection mechanisms is more limited among younger girls. " Sometimes the young ones come to us and we train them on how to use condoms, " Jacquie, a Ugandan sex worker told us. But the younger girls are often unable to assert themselves over clients who refuse to use condoms, and many South Sudanese still believe that they are the cause for disease transmission.
Abuse and lack of law enforcement
Abuse by clients and the police is not unusual, and has been further fuelled by rising gender based violence during the recent conflict. According to several accounts, police officers conduct occasional raids on the brothels and use the presence of condoms as evidence for prostitution to extort payments from the women.
"They come with force, in uniforms and use the ladies," a woman, who preferred to remain unnamed told Al Jazeera. "If they find a condom in the house, you get arrested, taken to the police […] and charged with 500 pounds ($125)," the woman said.
The girls might be taken to the police station, but the police often can't get the brothel owners.
- Ossa Lullo, Ministry of Gender, Child and Social Welfare
Col. James Monday Enoka, Director of Public Relations at the Ministry of Interior, told Al Jazeera that no cases of misconduct or abuse by the police in brothel areas have been brought to his attention. "Many people these days wear uniforms, they may not even be police."
Prostitution in South Sudan is illegal. According to sections 253 and 257 of South Sudan's penal code, brothel owners are liable to two years of imprisonment, while harbouring minors under 18 for the purpose of engaging in unlawful sexual activity is subject to a 7 to 12 year prison sentence. Yet, in a country where young girls in their puberty are often married away, legislation on under-age sexual conduct stands in stark contrast to customary law and local culture.
Authorities have made limited efforts at eradicating brothels. Occasionally brothels are demolished by the police, causing girls to shift to other areas or to more covert private houses. According to the US State Department's 2014 Trafficking in Persons report, the government did not prosecute or investigate any offences related to child prostitution or trafficking between April 1, 2013 and March 31, 2014.
Ossa Lullo says the police don't take the issue seriously and often target the girls instead of the brothel owners. "The girls might be taken to the police station, but the police often can't get the brothel owners […] The owners will say that they build the house for rent, and they don't know that they are using it as a brothel. If he says something like this, he will not be arrested."
Source: Al Jazeera
Aid agencies in Bentiu struggle to deal with humanitarian crisis where influx of displaced people continues.
Beijing to send more UN peacekeepers to African state to protect its own oil interest.
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Region's first brick-oven pizza parlour hopes to inspire entrepreneurs and move the DRC beyond cycles of violence.
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text:
We expose slave masters and people smugglers in suburban Britain.
Is there more to life than money?
29 Nov 2012 11:59 GMT | Politics, Africa, Congo, Rwanda, Uganda
Rebels in eastern DR Congo say they have started withdrawing from territory they have captured from government troops, days after a pullout deal was reached in neighbouring Uganda.
Amani Kabashi, deputy spokesman for the M23 group, told Al Jazeera that rebels were starting to withdraw from the town of Mushake, 50km south of the provincial capital, Goma, on Wednesday.
Diplomatic efforts to end violence in eastern Congo have been ongoing since the M23 group captured Goma in fighting with Congolese troops and advanced across the east of the country last week. Tens of thousands of people have been displaced by fighting between government troops and the rebels.
Colonel Vianney Kazarama, the M23 military spokesman, later said rebels were to withdraw from the city of Sake on Thursday and Friday. They could withdraw from Goma over the weekend, he said, though that was not confirmed.
Herve Ladsous, the UN peacekeeping chief, told reporters on Tuesday night that rebels' advances had stopped.
Al Jazeera's Nazanine Moshiri, reporting from Goma, said there were no indications of a withdrawal from the city on Wednesday.
"The big question everyone is asking here is what happens next, if M23 withdraws," she said.
"M23 themselves are saying they want a demilitarised zone around Goma. They're very concerned that people who've been working with them in the city will be targeted once they leave, if the Congolese army comes in."Transferring weapons
M23 military leader Sultani Makenga said on Tuesday his men would leave Goma "in three days at the latest" and pull back 20km under a deal struck in Uganda the previous day with an east African regional group.
Live Box 20121128124512172397
Makenga said the rebels had begun transferring arms, provisions and medical supplies from Goma to the Rutshuru territory north of the city, an area along the Ugandan and Rwandan borders.
Rutshuru has been the rebels main stronghold since they launched their uprising in April.
Reports from residents and the UN peacekeeping mission appeared to confirm the announcement that the rebels were transporting weaponry out of Goma.
Meanwhile, the M23's political leader, Jean Marie Runiga, said the group was not against withdrawing from Goma, but would only do so if certain conditions were met.
He said demands included the release of opposition leader Etienne Tshisekedi, a former prime minister who has been under unofficial house arrest since declaring victory in flawed elections last year that were officially won by President Joseph Kabila.
The rebels also demanded direct talks with the president and the dissolution of the electoral commission.
Pro-rebel demonstration
About 300 people marched through the streets of Goma on Wednesday in support of M23, Al Jazeera's Azad Essa reported from the city.
They were carrying posters and banners calling for Kabila to step down and played music as scores of bystanders looked on from the roadside. A handful of police monitored the demonstration as the march brought traffic to a standstill.
M23 took over Goma on Tuesday last week after Congolese soldiers withdrew. UN forces did not intervene, saying they lacked the mandate to do so.
African leaders are scrambling to contain the latest violence in the region where nearly two decades of conflict has been fuelled by political and ethnic rifts and competition over vast minerals resources.
Kabila met M23 rebels for the first time at the weekend after a summit in the Ugandan capital Kampala.
Monday's pullout agreement would allow the rebels to stay in their home region of Kivu, which is believed to hold up to three-quarters of the world's reserves of coltan, a mineral used in the manufacture of many electronic products.'Neutral zone'
Ladsous said the UN's main military adviser, General Babacar Gaye, would head for DR Congo and other East African countries to work out details of the withdrawal deal.
He said this would include the working of a proposed neutral zone, who controls Goma airport, which is currently in the hands of the UN mission, MONUSCO, and how to set up a proposed international neutral force for DR Congo.
The rebellion erupted in April when the M23, which UN experts have said is backed by neighbouring Rwanda, broke away from the DR Congo army, complaining that a 2009 deal to end a previous conflict had not been fully implemented.
The full name of the M23 is the March 23 Movement, which refers to the date when peace accords were signed in 2009 between the Congolese government and the National Congress for the Defence of the People (CNDP), a rebel group.Under the agreements, former CNDP fighters were to be integrated into the national army, but some of them say they were not treated fairly and that the peace treaty was never fully put into effect, forcing them to commit mutiny and form the M23.Since April, more than 475,000 people have been displaced in the country and more than 75,000 others have been forced to seek refuge in neighbouring Rwanda and Uganda, according to UNHCR.
Source: Al Jazeera And Agencies
Former UN expert says solving the crisis in the country's east requires a compromise neither side is likely to make.
Politics, Congo, Rwanda, Uganda
What has shocked me the most about covering this conflict is the plight the people displaced by the fighting.
Some say they extort money, but franeleros insist they are just trying to make a living in Mexico's informal economy.
Will a plastic bag levy be enough to fix Indonesia's rubbish problem?
For ethnic Hausa, the traditional form of boxing known as dambe is more than a sport - it is part of their identity.
Nigeria, Sport
Rape is Malawi's most reported crime. Ujamaa initiative is helping schoolkids defend themselves against perpetrators.
Malawi, Africa, Women
Government agrees to cessation of fighting near Damascus and Latakia but no sign of let-up in bombardment of Aleppo.
Syria's Civil War, Middle East, War & Conflict
Government moves tens of thousands of refugees to Athens outskirts as the summer tourist season begins to warm up.
Humanitarian crises, Refugees, Greece, Europe
A Pakistani cotton farmer travels to Dubai to make his fortune but soon discovers he wants more from life than money.
Pakistan, Immigration, Dubai
The South African opposition leader says the EFF would fight if the ANC responded violently to peaceful protests.
Julius Malema, South Africa, ANC
As the Doha oil summit fails to reach a deal to freeze production, we examine the state of the global oil industry.
Business & Economy, Oil Price, Saudi Arabia
We explore how the work of medieval chemists has impacted the evolution of modern chemistry.
Science & Technology, Middle East, Islam


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CenturyLink Technology Solutions Uses IO Technology To Open Multi-megawatt Data Centers In Phoenix Market
MONROE, La. and PHOENIX, Jan. 29, 2014 /PRNewswire/ -- CenturyLink (NYSE: CTL) and IO today announced a strategic agreement to expand the CenturyLink Technology Solutions colocation footprint using IO's Intelligent Control technology platform, with initial deployments at IO Phoenix and nearby IO Scottsdale. (Logo: http://photos.prnewswire.com/prnh/20090602/DA26511LOGO)CenturyLink Technology Solutions, which formerly operated under the name Savvis, will enter the Phoenix market as a hosting and colocation provider, making up to 9 megawatts of additional capacity available to its clients through rapidly deployable IO technology. CenturyLink has a deep understanding of the Phoenix market, where it maintains a substantial network services business and employs more than 1,700 employees. The IO Intelligent Control technology platform consists of IO.Anywhere® data center modules and the integrated IO.OS® data center operating system, which provides integrated control, data collection and business intelligence across data center infrastructure, IT equipment, applications and users of the data center. In the CenturyLink data center space, IO's technology will be complemented by CenturyLink's broad set of colocation, managed services, cloud and network offerings. Clients will also gain access to CenturyLink's ClientConnect, an online gateway for businesses to expand their capabilities by locating, connecting and sharing services with other businesses residing across CenturyLink's global data center footprint. "CenturyLink continues to invest in expanding our global data center footprint into key markets like Phoenix and extending our hosting capabilities through new technologies like IO's Intelligent Control platform," said Jeff Von Deylen, president of CenturyLink Technology Solutions. "The pioneering IO technology enhances our product mix with the latest options for delivering flexible hybrid IT solutions. IO's energy-efficient data center technology platform can be deployed just-in-time, helping us to preserve capital and enabling our clients to reduce costs and operate more efficiently." "With its immense global footprint, world-class data center capabilities and Savvis legacy, CenturyLink Technology Solutions is a major force in the industry," said George D. Slessman, IO chief executive officer and product architect. "We believe CenturyLink's substantial commitment to IO technology further validates that our Intelligent Control platform can meet the demands of large-scale, global service providers." "Armed with IO's prefabricated modular technology and proprietary data center operating system, CenturyLink is rounding out its digital infrastructure offering by combining a sophisticated, agile and intuitive data center platform with its deep stack of IT services, optimizing customer scalability and management capabilities," said Michael Levy, data centers senior analyst at 451 Research. This strategic agreement with IO follows recent CenturyLink announcements regarding investments in its hosting capabilities, including the acquisitions of Tier 3 and AppFog and data center construction projects in Toronto and Minneapolis. CenturyLink operates more than 50 data centers worldwide, with more than 2.5 million square feet of gross raised floor space throughout North America, Europe and Asia. About CenturyLink Technology SolutionsCenturyLink Technology Solutions delivers innovative managed services for global businesses on virtual, dedicated and colocation platforms. For more information, visit www.centurylink.com/technology. About CenturyLinkCenturyLink is the third largest telecommunications company in the United States and is recognized as a leader in the network services market by technology industry analyst firms. The company is a global leader in cloud infrastructure and hosted IT solutions for enterprise customers. CenturyLink provides data, voice and managed services in local, national and select international markets through its high-quality advanced fiber optic network and multiple data centers for businesses and consumers. The company also offers advanced entertainment services under the CenturyLink ® Prism™ TV and DIRECTV brands. Headquartered in Monroe, La., CenturyLink is an S&P 500 company and is included among the Fortune 500 list of America's largest corporations. For more information, visit www.centurylink.com. About IOIO is a global leader in software-defined data centers and has pioneered the next generation of data center infrastructure technology. IO's integrated hardware and software data center technology platform offers enterprises, governments, and service providers an innovative way to deploy, provision, and optimize data center capacity anywhere in the world. IO technology lowers the total cost of data center ownership compared to traditional data centers, enabling dynamic deployment and intelligent control based on the needs of IT equipment and applications in the data center. For more information, visit io.com. Forward-Looking Statements Except for the historical and factual information contained herein, the matters set forth in this communication, including statements regarding the expected benefits of the acquisition such as efficiencies, cost savings, enhanced revenues, growth potential, market profile and financial strength, and the competitive ability and position of the combined company, and other statements identified by words such as "estimates," "expects," "projects," "plans," and similar expressions are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to a number of risks, uncertainties and assumptions, many of which are beyond our control. Actual events and results may differ materially from those anticipated, estimated or projected if one or more of these risks or uncertainties materialize, or if underlying assumptions prove incorrect. Factors that could affect actual results include but are not limited to: the possibility that the anticipated benefits cannot be fully realized or may take longer to realize than expected; the possibility that costs or difficulties related to integrating the companies will be greater than expected; the ability of the combined company to retain and hire key personnel; the timing, success and overall effects of competition from a wide variety of competitive providers; the risks inherent in rapid technological change; the effects of ongoing changes in the regulation of the communications industry; the ability of the combined company to effectively adjust to changes in the communications industry and to successfully introduce new product or service offerings on a timely and cost-effective basis; any adverse developments in commercial disputes or legal proceedings; changes in our future cash requirements; and other risk factors and cautionary statements as detailed from time to time in CenturyLink's reports filed with the Securities and Exchange Commission. You should be aware that new factors may emerge from time to time and it is not possible for us to identify all such factors nor can we predict the impact of each such factor on the acquisition or the combined company. You should not place undue reliance on these forward-looking statements, which speak only as of the date of this communication. Unless legally required, we undertake no obligation to update publicly any forward-looking statements, whether as a result of new information, future events or otherwise. SOURCE CenturyLink, Inc.
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6 Smart Budget Moves to Make Before Summer Begins
If you want to enjoy a carefree summer, make sure you have your finances in order so that stressing about money doesn't rule your days.
If you want to enjoy a carefree summer, make sure you have your finances in order so that stressing about money doesn't rule your days.
Save on accommodations and car rentals. Find pit stops and Wi-Fi hot spots. Get tips on where to have fun. It's all from cool sites and free apps.
For almost every activity you get into this summer, there is an American product you can buy. Here are nine.
You don't have to replace your entire air-conditioning system to lower your summer electric bills. These eight steps can reduce your energy bill now.
Summer is the perfect time of year to kick back and relax, but don't let that leisurely attitude extend to your family's finances.
With April 15 just two months behind us, most of us aren't thinking about taxes. But there are smart moves you can make now that'll save you money in 2015.
If a summer vacation to Europe is what works best for your schedule, there are ways to avoid paying an exorbitant amount to get across the Atlantic.
Knowing these four terms could save you thousands of dollars next time you repair or replace your air conditioning unit.
Experts weight the costs, pros and cons of above ground and in-ground pools.
Experts discuss whether it's more cost effective to use charcoal or gas grills.
The West and Midwest are blazing hot this summer, which experts warn will lead to overheated cows that don't produce as much milk.
Experts discuss what to avoid buying in July.
Experts explain how to cash in on July sales.
This summer, to save money and eat well, take a tip from Grandma. She knew that affordable cuts of meat cook up tender and tasty when you take your time.
Experts talk about how to save money during a day at the beach.
Planning on doing some home improvement this summer? Even small, DIY projects can get pricey. Here's how to keep costs down.
Want to stay cool and eat well? Here are our tips for a fun, low-key summer garden party!
All this week, DailyFinance is looking at ways to help you beat the summer's budget busters. Today: How to have fun in the sun without completely destroying your budget.
All this week, DailyFinance is looking at ways to help you beat the summer's budget busters. Today: ideas for saving on gas costs.
Experts discuss how to prepare your car for the warm weather.
Lisa Cash Hanson of MompreneurMogul.com explains how to save money on summer entertainment.
Experts explain how a lighter colored roof can save you money.
Sodas, student loans, and post-grad options: Here's a look at this week's money-saving topics on the DailyFinance Saving Channel.
Experts discuss how to find low-cost summer entertainment for kids.
Experts discuss how to save money on hotels when booking summer travel.
Experts show you how to take care of and shop for a budget-friendly swimsuit.
Experts debunk SPF myths and show you how to save big on sunblock.
Savings Experts enter the world of self tanners to find which work the best and which are the cheapest.
Experts look into the different methods to cool your home and which is most cost effective.
Savings Experts navigate you through the types of grills and which is best for the price.


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Newegg.com - Computer Parts, Laptops, Electronics, HDTVs, Digital Cameras and More!
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Gojee provides this Privacy Policy to inform users of our policies and procedures regarding the collection, use and disclosure of personally identifiable information received from users of the Gojee Service, including but not limited to the website at https://www.gojee.com, the firstname.lastname@example.com email address and the mobile applications created by Gojee.
Gojee reserves the right to modify the Privacy Policy without explicit notice. Continued use of the Service after any such changes shall constitute your consent to such changes. You are responsible for reviewing our current Privacy Policy.
This privacy policy applies to your use of the Gojee Service, but not does apply to any third party sites that may be linked to them, or any relationships you may have with the business listed on the Gojee.com Service, nor to individuals Gojee does not employ or manage.
The terms "We", "Us", "Service" and "Gojee" refer to the Gojee Service. The terms "You" and "Your" refer to you, as a user of any of the Gojee Service. The term "Personal Information" and "Your Information" means information that you provide to us which personally identifies you to be contacted or identified, such as your name, phone number, email address, and any other data that is tied to such information. "Your Public Content" refers to the information that you submit or post to the Gojee Service for public display, such as a sightings, reviews, photos, and your public profile information, including your public name (your "Display Name").
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Mortgages and Misdemeanors: Criminal Enforcement of State Mortgage Lending License Requirements and Homeowner Protection
Steelman, Christopher N., American Criminal Law Review
INTRODUCTION I. FIRST AND SECOND LIEN MORTGAGE LENDING--RESIDENTIAL REAL ESTATE A. Scope of State Licensing Statutes B. Comparison of State Licensing Requirements IX. CRIMINAL SANCTIONS A. Costs and Benefits of Criminal Enforcement 1. Direct and Indirect Costs 2. Other Procedures in Conjunction with Criminal Sanction B. Consumer Protection by the State III. CRIMINAL ENFORCEMENT COMPARED TO OTHER METHODS A. Civil, Administrative, Regulatory and Other Actions B. Costs of Lender Misconduct Compared to Enforcement Methods IV. CONCLUSION APPENDIX A: REPRESENTATIVE ENFORCEMENT STATUTES FOR FIRST AND SECOND LIEN RESIDENTIAL MORTGAGE LENDERS
During the past year the United States economy has faced a serious decline in the housing market--the proverbial "popping" of the "housing bubble." State and federal lawmakers have reacted, passing new legislation attempting to remedy the situation and to prevent future mishaps. However, it is clear that state regulation of non-depository mortgage lending institution conduct has existed in some form for decades. What is somewhat less clear, however, is the manner in which then-existing legislative and regulatory schemes dealt with the factors contributing to this problem. More importantly, the question arises as to whether these conduct-regulating schemes at the state level, which contained criminal penalties for lender misconduct, adequately protected consumers.
Home foreclosure rates are at unprecedented levels, spurred by mortgage interest rate resets and lower home values. (1) In addressing the situation, Congress has noted that "[m]any American families are facing or are at risk of foreclosure." (2) More and more legislation is being introduced and regulations promulgated at the state and federal levels to attempt to address the rising foreclosure rates as well as related issues such as subprime and predatory lending. (3) This additional legislation and regulation of the mortgage lending industry, and particularly the consumer or residential mortgage lending industry, is being made against the backdrop of the recent collapse of the private equity market--including the inability of lenders to engage in the securitization of mortgage loans--and the subprime mortgage lending crisis.
Some see the decline of the private equity market and the subprime mortgage lending crisis as proceeding hand in hand, and some suggest that lenders were willing and able to engage in subprime lending due in part to their ability to quickly and easily securitize these mortgage loans in the private equity market, thereby reducing their own exposure to the increased credit risk associated with subprime borrowers. (4) Additionally, hybrid mortgage products such as "2/28" or "3/27" Adjustable Rate Mortgages ("ARM" or "ARMs") have greatly inflated this problem by offering homeowners the opportunity to refinance their homes with a "teaser" or introductory rate that is set at a fixed percentage, (5) followed by a "reset" period in which the borrower will pay a variable rate pegged to a market rate, for example, the London Interbank Offered Rate ("LIBOR") plus some preset fixed percentage rate. (6)
Although many of the mortgage lending practices developed over the past decade are coming under increased scrutiny, (7) many lenders engaged in such conduct in literal compliance with the statutes as they existed. As a result of this incongruity, states have recently begun adding increased compliance standards to their licensing statute schemes requiring, among other things, that lenders not "[k]nowingly or intentionally make a home loan ... to a borrower, including ... a low-document home loan, no-document home loan or stated-document home loan, without determining, using any commercially reasonable means or mechanism, that the borrower has the ability to repay the home loan. …