text:
Cliff Peale, The Cincinnati Enquirer
Four years after a federal takeover of most of the trillion-dollar student loan industry, opportunities are emerging for private investors to make money.
One could be the business of restructuring loans to lower interest rate years after a student graduates.
"Our idea would be to do that as a fixed-rate loan," said Ted Franzeim, senior vice president of the Kentucky Higher Education Student Loan Corp., which operates a self-supporting student loan program. "I'd like to think that as the cost of college grows, you'll be able to kind of get back into the market."
But that's one of only a few niches in a market that the government now dominates with direct lending to students.
By making the direct loans, it also reaps most of the benefits: Profits of $51 billion a year, most of it poured into Pell Grants for low-income students.
In the short term, the takeover has shrunk availability of private loans, which can carry higher interest rates and onerous repayment terms.
But as both volumes and defaults multiply, that government-dominated market also creates risk, economists say.
"Taxpayers are looking at a much riskier portfolio than a private lender would support," said Amy Crews Cutts, chief economist at credit agency Equifax. "It's risky because of the volumes. The government stepped in during a crisis to make sure those funds would be available. But we've over-stimulated that part of the market without the quality of underwriting you need."
Students and families trying to afford tuition, fees, housing and books say the system doesn't serve them well.
The top complaint: Students generally don't know how much federal aid they can expect before applying to colleges.
Since the loans essentially cannot be rejected, that leads to over-borrowing, many students and families said.
"Until you start making those monthly payments, you're really just kind of playing with fake money," said Adam Harris, a 2010 Miami University graduate who says he'll pay $90,000, counting interest, on his student loans.
"The universities know who's borrowing," he said. "There should be some sort of debt-to-income ratio. Folks need to be accountable across the board."
They say that has led to increased delinquency and default. About 17 percent of borrowers are at least 90 days past due, not counting millions with payments deferred, according to the Federal Reserve Bank of New York.
Some experts say the system is ripe for a crisis on the order of the Internet bubble of the late 1990s or the housing bubble that popped in 2009.
In effect, the student loan industry already has gone through its federal bailout. Some advocates say that has improved things, as federal programs such as income-based repayment take hold.
"We think that's a better way to target the assistance," said Jason Delisle, director of the Federal Education Budget Project for the New America Foundation in Washington, D.C.
But others say interest rates on direct federal loans still are too high.
Chris Lindstrom, director of the Higher Education program for the Public Interest Research Group, said interest rates currently are lower to buy homes or cars, compared to any kind of student loan.
"The average taxpayer expects an educational loan to be better than a car loan or a home loan," she said. "To the borrower who took out a loan 10 years ago at 8 percent, it's really ridiculous."
Federal loans now account for about 85 percent of the trillion-dollar industry.
One of the few types of consumer debt to increase during the Great Recession, total student debt has nearly tripled during the last eight years, according to data from the Federal Reserve Bank of New York.
In 2009, President Barack Obama pushed through legislation ending the subsidizing of banks to lend money, converting the biggest programs to direct student lending.
The government now lends about $108 billion a year through 19 million separate loans, the PIRG said.
That has solidified Pell Grants and also led to changes such as income-based repayment, where a borrower can cap monthly payments at 10 percent of discretionary income.
But it also has put student loans even more squarely in federal budget fights, most prominently the current battle on how to keep subsidized Stafford Loan rates from doubling to 6.8 percent.
Private lending, meanwhile, has consolidated to big providers, led by Sallie Mae and including financial services goliaths such as Wells Fargo or JPMorgan Chase.
It's still possible for the biggest private lenders to make money. For the first quarter that ended March 31, Sallie Mae originated $1.4 billion in loans, up 22 percent from the year before, and collected profits of $88 million on that business.
But the opportunities for smaller lenders are virtually gone, said Bob Niehaus, chief lending officer at Cinco Credit Union, with three offices in Greater Cincinnati.
It only makes a couple of dozen loans a year since it can only lend to members.
"For us, the student loans are pretty much unprofitable after all the fees are paid," Niehaus said.
According to the federal Consumer Financial Protection Bureau, private loans total about $150 billion nationally. More than 850,000 individual loans totaling at least $8 billion are in default, the agency said.
Securitization of student loans, or packaging them into bundles to be sold, has withered since the financial crisis as their investment value has plunged.
"The government has chased out a lot of the private money," said Cutts, the Equifax economist. "It's hard to underwrite student loans, because the capacity to repay is not there yet. They (lenders) are extraordinarily picky, because their cost of funds is very high."
Even though the federal government has taken over most loans formerly made by private lenders through the Federal Family Education Loan Program, Tri-State lenders still hold millions of dollars of those loans.
Those include the Kentucky Higher Ed Student Loan Corp. with $1.4 billion, Graduate Leverage LLC with $822 million, KnowledgeFunding Ohio with $250 million, Northstar with $109.1 million and ECMC Group with $101.4 million.
KnowledgeFunding was an affiliate of the Cincinnati-based KnowledgeWorks Foundation, but officials there said they got out of the student loan business several years ago.
Franzeim, of the Kentucky program, said the agency hasn't had to issue new bonds to support expansion.
It has made almost 1,300 loans for nearly $14 million. It offers fixed-rate loans at 7.75 percent if repayment begins immediately, but Franzeim said the group will soon offer lower rates.
"I think it (private loan market) is growing. Is it huge right now? No. A lot depends on what direction the federal government goes," he said.


text:
Meal Type
Featured Videos
Featured Content
Featured Brand Sites
Product By Category
Tools & Info
Cooking Tips
Healthy Living
Your Kids
food&family Magazine
20 servings
Read MoreRead Less
Tap or click steps to mark as complete
Since these tasty buns serve 20, they make a great addition to your next brunch. And their built-in portion control makes them extra convenient.
Wrap leftover buns in foil, then refrigerate to enjoy the next day.
* Nutrition information is estimated based on the ingredients and cooking instructions as described in each recipe and is intended to be used for informational purposes only. Please note that nutrition details may vary based on methods of preparation, origin and freshness of ingredients used.
This has been a long time favorite in my house. I don't change anything. It is gone within 45 minutes which stinks because it does take a bit to put it together..but sooo worth it!
This is a hit Over and Over again!!! My family Love Love these! even took it to my Study group for Breakfast and the Raves went on and on about this Decadent dish! Have to share the recipe to all my Bible Study mates
Simply amazing. I used two cans of biscuits with 10 inside of each, then cut each in half, for a total of 40 small pieces. I like a little less cream cheese in each bite. Scrumptious!

subset: commoncrawl


text:
CHICAGO (AP) — A Chicago honor student whose killing catapulted her into the nation's debate over gun violence is being remembered as a typical teenager.
Hundreds of mourners and dignitaries including first lady Michelle Obama packed a church on the city's South Side today for the funeral for 15-year-old Hadiya (hi-DEE'-uh) Pendleton.
One speaker after another remembered the teenager not so much as a symbol but as a best friend, an excellent student with dreams of going to college and a sometimes goofy girl with a bright smile and big personality.
To her mother, Pendleton was the daughter she tried to keep busy so she'd be beyond the reach of the seemingly endless gang violence in Chicago. Cleopatra Pendleton told mourners "No mother, no father should ever have to experience this."
The teen was shot and killed Jan. 29 as she stood with friends at a park about a mile from President Barack Obama's Chicago home. Just days before, the band majorette was among the performers during events for Obama's inauguration. Police say Pendleton was an innocent victim in a gang-related shooting.
Michelle Obama met privately with the family and some of Pendleton's friends before the service.


text:
We select the best bikes in seven categories—from the fastest race 29er to lightweight women's full-suspension models.
No matter the terrain, the 120mm Trek Lush encouraged our testers to let off the brakes and take faster lines over—instead of around—tricky rock gardens. The newest model from Trek impressed us with its steady handling and great parts. "It was delightful in tight corners," raved one tester. The APB rear suspension tracked effortlessly over bumpy trails and a flick of the shock's ProPedal lever turned the Lush into a speedy climber.
Price: $2,840 Weight: 28.0 lb. (S) Info: trekbikes.com
Also on the Podium: Giant Trance X1 W, GT Sensor 2.0 GTW


text:
I remember when i first started noticing my hair loss i went to some quack 'trichologist' and he recommened this supplement.
It basically assists with immune deficiency issues and is in a lot of supplements these days, but you can get it in it's pure form, basically as the most powerful anti-oxident available on the planet.
Reading that hair loss can be attributed to immunity problems made me remember Glutathione.
Does anyone have any thoughts on this?


text:
Jacksonville woman, 3 young children die in house fire
Published: Wednesday, June 18, 2014 at 4:22 p.m.
Last Modified: Wednesday, June 18, 2014 at 4:22 p.m.
JACKSONVILLE — A woman and her three grandchildren — ages 10 months, 2 and 4 — are dead following a fire at a Jacksonville mobile home.
The fire tore through a double-wide trailer late Tuesday afternoon. Jacksonville Fire Rescue officials say the woman and one child died at the scene. Family members say two other children died a short time later at the hospital.
Jacksonville television stations report that a 13-year-old riding by on a bicycle rescued a 6-year-old girl from the fire.
Officials say the parents of the children are in jail, and they had been staying with their grandparents.
Investigators are trying to determine what caused the fire but believe it started in a bedroom adjacent to the living room.
A state fire marshal's spokesman says foul play isn't suspected.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


text:
Mary Calvagna, MS
The bladder is located in the lower abdomen. It is a hollow organ with flexible muscular walls. It stores urine until a person is ready to urinate. Bladder cancer is a disease in which cancer cells grow in the bladder.
Cancer occurs when cells in the body, in this case bladder cells, divide without control or order. Sometimes, cells divide uncontrollably when new cells are not needed. A mass of tissue called a growth or tumor can form. The term cancer refers to malignant tumors. Malignant tumors can invade nearby tissue and spread to other parts of the body.
Three main types of cancer affect the bladder. They are named for the type of cell that becomes cancerous:
The cause of bladder cancer is unknown. However, several risk factors have been identified.
Factors that may increase your chance of developing bladder cancer include:
Symptoms include:
These symptoms may be caused by other less serious health conditions, such as bladder stones or infection. If you are experiencing any of these symptoms, see your physician.
Your doctor will ask about your symptoms and medical history. A physical exam will be done. Your doctor will feel the abdomen and pelvis for abnormalities. The physical exam may include a rectal or vaginal exam.
Staging tests are done after bladder cancer is found. These tests find out if the cancer has spread and, if so, to what parts of the body. Treatments for bladder cancer depend on the stage of the cancer. The stages of bladder cancer are:
Treatment options include:
Surgery involves removing cancerous cells and nearby tissue. Types of surgery to treat bladder cancer include transurethral resection and cystectomy.
Radiation Therapy
is the use of radiation to kill cancer cells and shrink tumors. Radiation may be:
is the use of drugs to kill cancer cells. Chemotherapy may be given in many forms, including pill, injection, or via a catheter. The drugs enter the bloodstream and travel through the body killing mostly cancer cells, but also some healthy cells. For bladder cancer, chemotherapy is often given directly into the bladder. This is called intravesical chemotherapy.
Biologic therapy is the use of the body's immune system to fight cancer. Substances made by the body or in a laboratory are given directly into the bladder to help boost, direct, or restore the body's defenses against the cancer.
This type of therapy is used only for superficial low-grade cancers that have been resected transurethrally.
The following steps can reduce your risk of getting bladder cancer:
American Cancer Society
National Cancer Institute
BC Cancer Agency
Canadian Cancer Society
Bladder cancer. American Cancer Society website. Available at: http://www.cancer.org/cancer/bladdercancer/. Accessed June 5, 2013.
Bladder cancer. Urology Care Foundation website. Available at: http://www.urologyhealth.org/urology/index.cfm?article=100. Updated March 2013. Accessed June 5, 2013.
Torpy JM. Bladder cancer. JAMA. 2005;293(7):890. Available at:
http://jama.ama-assn.org/cgi/content/full/293/7/890. Accessed November 15, 2012.
What you need to know about bladder cancer. National Cancer Institute website. Available at
http://www.cancer.gov/cancerinfo/wyntk/bladder. Updated August 30, 2010. Accessed June 5, 2013.
Last reviewed June 2013 by Mohei Abouzied, MD; Michael Woods, MD
Please be aware that this information is provided to supplement the care provided by your physician. It is neither intended nor implied to be a substitute for professional medical advice. CALL YOUR HEALTHCARE PROVIDER IMMEDIATELY IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with any questions you may have regarding a medical condition.
Copyright © EBSCO Publishing. All rights reserved.


text:
No matter how much I try (as a semi-assimilated Neo-Rhode-Islander), 'gansett always tastes sickly-sweet to me. Ugh. I actually prefer to drink the in-laws' Ballantines. Which is kind of scary.But if you're in North County, Stone Brewery is a short drive inland from the coast.
Haha. I stepped away to and missed all the fun.Narraganset is a terrible, overrated beer which means it's perfect for the hipsters. They can keep their PBR too. Not when there was all the fresh Sam Adams and Harpoon you can drink. The beer out here is fantastic for sure. Lots and lots of quality microbrews. I'm filling up growlers now which has been great.
That's funny, I consider Sam Adams hipster beer
If I wasn't such a cool, easy going west-coaster now, I would insist that we fight. Actually, that is interesting to hear. It's obviously local to Boston but I wouldn't see any local hipsters drinking it. Way too pricey. Or NOT pricey enough. Whichever they are not resisting against at the time. Like 'Gansett, PBR just does not taste very good to me. Bud either. Or Corona. Not with all the limes in the world in it.Actually it'd be interesting to know which cheap beer is the most popular here. For cheap beer I'm a Coors man too, GM. I don't know if there is Rocky Mountain water in there or not but those Silver Bullets go down quick.
That's funny, I consider Sam Adams hipster beer
I do not think that word means what you think it means...Sam Adams is not exclusive/trendy/crafty enough to be drunk by hipsters in earnest, nor cheap/blue-collar enough to be drunk ironically. Whatever that actually means.
Page created in 0.094 seconds with 36 queries.


text:
Spearfish, S.D. – The Black Hills State University football team fell four spots in the latest NAIA Top 25 poll to No. 24 after falling to Minot State 17-14 last Saturday.
The Yellow Jackets are 6-2 overall and 5-1 in the Dakota Athletic Conference (DAC). Black Hills State currently shares first place in the DAC with No. 11 Dickinson State, No. 18 S.D. School of Mines, and Minot State who is receiving votes in the top 25 poll.
No. 20 Black Hills State will face No. 18 S.D. School of Mines on Saturday, October 30 in Rapid City, S.D. at 1 p.m. MT. Tickets can be purchased in advance at the Young Center in Spearfish.
For more information on Black Hills State Athletics, visit www.BHSUAthletics.com.


text:
WASHINGTON (WUSA) -- Childbirth can be the most enjoyable moment in a family's life, but for some parents it's the most terrifying.
For some newborns, entering the world can be a battle to try to stay alive.
Susan Johnson knows how life can be fleeting.
"I just remember being really scared. Doctors took steps to revive her and stabilize her."
Her daughter Madeline was deprived of oxygen, her life slipping away. But with new technology at the time and quick thinking doctors, they were able to save her.
In 2006, 'cooling therapy' was a fairly new concept and something adopted at Children's National Hospital in Northwest.
Doctors were able to reduce her body temperature, avoid further swelling and brain damage.
It's a critical procedure in the first 6 hours of life. For the next two weeks, Madeline would be hooked up to monitors, tubes and around the clock care in the Neonatal Intensive Care Unit at Children's National Hospital.
Five years later Madeline is a bright, beautiful little girl.
Doctors may not always know what causes brain damage at birth or other complications such as low oxygen levels and blood flow but they do know how to give these babies a better chance at survival.
Children's National has saved more than 200 children and some of them returned to the hospital Saturday afternoon to be reunited with the doctors who saved them at a 'cool kids reunion.'
"Even for those who have disabilities such as Madeline they have the best disposition ever. Despite their disability they can live a full life and it's looking beyond their disabilities. This is why we do what we do," said Dr. Chang.
There are roughly 8 out of 1-thousand babies born with complications of brain injuries from low oxygen and blood flow in the United States each year, according to Dr. Chang.


text:
Fewer abortions with hospital consolidations
NEWPORT BEACH, Calif. By joining with a much bigger Catholic health system, a prominent Orange County hospital hopes to enhance patients' access to a host of services - except one.
Hoag Memorial Hospital Presbyterian, based in Newport Beach, started banning elective abortions this year after reaching an agreement to affiliate with St. Joseph Health, riling some doctors and women's advocates.
The controversy has fueled a feisty debate in local editorial pages and prompted a rally outside the hospital, making the Southern California suburbs the latest scene of a culture clash occurring across the country as Catholic and non-Catholic hospitals strike deals in a wave of health care industry mergers.
Women's health advocates say affiliations between non-Catholic and Catholic hospitals have squelched abortions in a number of locations, and full-blown mergers have also affected health services such as sterilization and contraception.
Hoag has a flagship 485-bed hospital with sweeping Pacific Ocean views and another hospital in nearby Irvine. It joined with Irvine-based St. Joseph Health, which has 14 acute care hospitals in California and Texas, after winning state approval to form a regional health care system called Covenant Health Network.
The economic downturn and health care overhaul have driven many nonprofit hospitals to form partnerships or merge entirely in recent years, and cultural conflicts related to religion, teaching style or other differences often need to be hashed out for the ventures to succeed, said Lisa Goldstein, associate managing director of the not-for-profit hospital ratings team at Moody's.
Dr. Richard Afable, Hoag's former president who now heads Covenant, said Hoag took a closer look at its abortion practices because it was joining with a Catholic health system where the procedure isn't allowed.
Afable said the hospital decided to cease performing elective abortions because it does so few of them anyway - only about 100 a year. He said Hoag will continue to perform abortions when medically indicated and that most elective abortions are done in a doctor's office or could be better performed at a center with a higher volume of the procedures.
"We looked very closely at all the things we do that are generally not supported at Catholic hospitals," he said. "We are not limiting any physician from conducting their medical practice in any way they would like. If a physician wants to do an elective abortion, there are places and locations where they can conduct that."
Obstetrician Dr. Richard Agnew said he worries Hoag may start to weed out other services over time. He also said he doesn't feel his patients who choose abortion should be shuffled off to a Planned Parenthood or different hospital, noting most are women who wanted to get pregnant but are carrying a fetus with genetic abnormalities and need a hospital level of care.
"It's not like they're doing anything illegal," Agnew said. "It's bad enough for them to have to make a decision."
Hospitals steeped in different faith traditions have had to contend with public concern over mergers and affiliations in states including Connecticut, Kentucky and Washington. The debate has most often surfaced in mergers involving Catholic hospitals due to the church's directives on issues ranging from abortion and birth control to end-of-life decisions.
In suburban Philadelphia, two hospitals, Abington and Holy Redeemer, called off a proposed partnership after community members were upset the plan would have ended abortions at Abington.
Catholic facilities account for more than one fifth of the country's hospital admissions, according to the Catholic Health Association.
Most commonly, affiliation agreements have led non-Catholic hospitals to stop providing abortions, while mergers and acquisitions have also led some institutions to stop performing other services, such as tubal ligation, said Sheila Reynertson, advocacy coordinator for New York-based Merger Watch, which tracks the effects of mergers between religious and secular hospitals on reproductive and other health services.


text:
Hey, Helium: Welcome to the Guild. We're glad to have you (you're OURS now!!!!)
That post looks great, just great! Hopefully you've found the S. John Ross maps in our resources section--he, to my mind, uses the woodcut style to its best effect for medieval (or fantasy) maps.
Keep posting your progress, I'd love to see your maps & pick your brain as to how you do that voodoo that you'll do so well!


text:
Harrisonburg, VA (Sports Network) - The George Mason Patriots earned the
season sweep of the James Madison Dukes with a 74-63 decision thanks to a
double-double performance by Sherrod Wright in a Colonial Athletic Association
matchup between Virginia rivals at the JMU Convocation Center.
Wright scored 22 points and grabbed 11 rebounds while going 11-of-12 from the
free-throw line for the Patriots (13-9, 6-4 CAA), who dug out of a two-game
slump and have now won nine consecutive meetings against the Dukes. Jonathan
Arledge added 19 points and six rebounds while Bryon Allen dished out a game-
high seven assists.
Devon Moore led all scorers with 25 points for James Madison (13-11, 7-4),
which saw its four game winning streak come to an end. Rayshawn Goins added 13
points and nine rebounds.
The Dukes trailed 32-27 at halftime after shooting just 36.0 percent from the
field in the first half.
In the second half, the Patriots pulled away even more by shooting 52.0
percent from the floor and to outscore JMU, 42-36.
The Dukes shot just above 40.0 percent from the field while the Patriots shot
an even 49.0 percent. The Patriots took advantage of their trips to the
charity stripe by going 23-of-26, while the Dukes converted only 17 of their
28 free-throw attempts.
The Sports Network


text:
Quick Links
Indiana textbook bill dies
House Bill 1388 has died quietly in the Indiana legislature. Introduced on January 12 and referred to the Committee on Education, the bill died when the deadline for action by the full House passed in early February. HB 1388 was authored by Rep. Bruce Borders, who had previously announced support for teaching "intelligent design" in public schools.
Announcing the NCSE 700 Club
February 16, 2006, is the third anniversary of the public unveiling of NCSE's Project Steve, so it seems like a good time to announce -- with due apologies to the Reverend Pat Robertson and the Christian Broadcasting Network -- NCSE's 700 Club. Yes, with the addition of Stephen A.
Kansas science teachers decry antievolution standards
The Kansas Association of Teachers of Science issued a response to the state science standards adopted in November 2005 by the state board of education, the Lawrence Journal-World (February 14, 2006) reported. "By redefining science in the Kansas Science Education Standards," the statement reads in part, "the KBOE is promoting intelligent design tenets that purport supernatural explanations as valid scientific theories. ...
A fourth antievolution bill in Oklahoma
House Concurrent Resolution 1043 (RTF), introduced in the Oklahoma legislature on February 7, 2006, would, if enacted, encourage "the State Board of Education and local boards of education to revise the recommended academic curriculum content standards in science to ensure that, upon graduation, all students can accomplish the following: 1. Use of [sic] the scientific method to critically evaluate scientific theories including, but not limited to, the theory of evolution; and 2.
Meet Me in St. Louis: NCSE at AAAS
NCSE's Eugenie C. Scott, Wesley R. Elsberry, and Nick Matzke will be in St. Louis, Missouri, for the AAAS annual meeting from February 16 to February 20. Elsberry and Matzke will be staffing NCSE's booth in the exhibit hall, where information about NCSE, and signed copies of Scott's book Evolution vs. Creationism: An Introduction, will be available.
News Alerts
Subscribe to NCSE's free weekly e-newsletter.
Evolution and Climate Education Update


text: I was trying to create a split domain, making zimbra the primary mail server and my freebsd my secondary mail server (Though currently the only mail server). However, it did not work out well and all of a sudden the mails that was coming through my zimbra mail server to be relayed to my current server was not being relayed because either the recipient or the sender is not know. Now I am stock with all the 340 emails in my queue. I have tried to flush everything out of my server using the command lineand also went to the web admin queue to flush it with no luck. Please help. Also, I will like to know what I am doing wrong for that to happen.postqueue -f


text:
Council to Hear Zone Change Request, Vote on Cruisers
February 18, 2013
Wheeling City Council will vote Tuesday on whether to give Police Chief Shawn Schwertfeger the four new cruisers he wants to spread out the extra miles officers are logging under new single-officer......
OMG...this city is out of control.
0 Agrees | 0 Disagrees | Report Abuse »
a-portal - one, no car dealerships exist in the city any longer. two, the one and only Ford dealer in the county has opted not do those kind of deals. Their decision, not the city's.
R-Whee - In previous articles, it's been reported that this purchase has been "scheduled" in a cycle to refresh the department's fleet and not because of the repealed ordinance.
0 Agrees | 0 Disagrees | Report Abuse »
DO WE NEED THEM? or DO WE WANT THEM???
0 Agrees | 1 Disagrees | Report Abuse »
If approved...why in the world would the city purchase the new police vehicles out of the city, yet..out of the state? Why not promote business in our own town?
0 Agrees | 0 Disagrees | Report Abuse »
Showing 4 of 4 comments
Post a Comment
You must first login before you can comment.


text:
May 31, 2016
A popular downtown festival and farmers market is returning to Meridian this spring.
Plans for the Earth's Bounty Farmers Market Festival were announced Wednesday.
The monthly event begins Saturday, April 6 at Singing Brakeman Park on Front Street near Union Station, and will be held the first Saturday of each month through October.
The festival offers fresh produce and homemade food products along with local entertainment, children's activities and other special events . . . Admission is free.
"This year our committee has come up with some great new ideas, some fun activities. We've brought on a presenting sponsor to help underwrite the cost," said John McClure, director of Meridian Main Street. "We're continuing to get great support from the city of meridian, the tourism bureau and so on, so i think the sky's the limit."
This year's festival is sponsored by the Greater Meridian Health Clinic.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or firstname.lastname@example.com.


text:
Athens, OH (Sports Network) - Anthon Samuel ran for 181 yards and two
touchdowns on 29 carries as Bowling Green took a 26-14 win over Ohio on
Matt Schilz was 7-for-17 with 91 yards and a touchdown pass while Chris Gallon
caught the touchdown on a 55-yard score for the Falcons (7-3, 5-1 MAC), who
have won their past six games.
Tyler Tettleton passed for 145 yards and a touchdown on 21-of-34 attempts
while Beau Blankenship had 18 carries for 97 yards for the Bobcats (8-2, 4-2),
who have dropped two of their past three.
Ohio began the game with the ball and the drive proved successful as the 11th
play of the 72-yard march saw Tettleton take the ball in himself from five
yards out for a 7-0 lead with just over nine minutes to play in the first
The score stayed that way until the first play of the second quarter when
Bowling Green tied the contest on a 15-yard run into the end zone by Samuel.
The drive was set up on a blocked punt by Brian Sutton that was recovered at
the Ohio 20.
Following another Ohio punt, Bowling Green needed just five plays to find the
end zone as Schilz and Gallon hooked up on a 55-yard score for a 14-7 lead.
Tyler Tate added a 35-yard field goal on the Falcons' next touch with 1:46
left, and the defense added two points as a low snap on a punt slipped through
the hands of Matt Weller and he was tackled in the end zone after recovering
to make it a 19-7 game at the break.
Ohio's first drive of the second half proved as fruitful as it's opening drive
of the first half as Tettleton and Chase Cochran got together for a 3-yard
score to make it a 19-14 game with 6:54 to play in the third.
However, the team had another punt blocked later in the third and Bowling
Green recovered at the Ohio 29. That led to a 4-yard TD run by Samuel on the
first play of the fourth quarter and that was the final score of the game as
Ohio later failed on a fourth down at the Bowling Green 29 late in the game.
The Sports Network


text:
Reading about pharma's bumpy relationship with social media is a little like following celebrity marriage plans in the tabloids. One minute it's on, the next it's off. On again, off again.
Throwing pharma and social media together brings an unprecedented opportunity to reach an audience that is growing exponentially alongside unparalleled opportunities for stakeholder engagement. Pushing them apart are old familiar worries about adverse event and off-label discussions compounded by the delay of FDA guidelines.
The constant to-and-fro seems to be creating a real sense of social media fatigue in parts of the industry, but could pharma really call it a day and bow out of the biggest social communications revolution in history?"Going dark" is not really much of an option, argues Thomas L. Harrison, CEO of Omnicom Group, in an August Pharm Exec blog post about the challenges pharma faces in working with Facebook's new mandate. Beginning Aug. 15, Facebook mandated that only pages dedicated solely to a prescription drug have the option to disable commenting. Harrison believes that companies that abandon Facebook will miss out on a "powerful community that is already woven into billions of lives whose voices want and need to be heard." This has to hold true for other social media platforms, from Twitter to bespoke disease or therapeutic communities.
So how can pharma make its relationship with social media work?
The answer is "carefully," according to independent consultant Alexandra Fulford on her http://pharmaGuapa.com/ blog. London-based Fulford outlines an approach based on the "Stop, Look & Listen" technique used to teach schoolchildren how to cross the road without getting run over.
Stop: Pharma needs to cease being afraid of social media; instead, see it as just another communication channel, and wait to see what will happen. Progress can be made within the current regulatory system.
Look: Don't run into the middle of the road; look first to see what other pharma companies have done and are currently doing in the social space. Learn from their mistakes and their successes.
Listen: All successful social media initiatives have one key action in common: listening. In a two-way medium it is vital to listen to what your target audience is discussing and to keep listening.
3rd Annual Life Sciences Forum on Social Media Regulations and Compliance
Leverage Digital Networks while Ensuring Promotional Compliance
June 19-20, 2012


text:
Alan Darr Gilmore Collection - Blu-Green With EnvyWritten by Chris Shelton on May 13, 2011 Alan Darr's Hi-Test Gilmore Collection
What's the difference between a collector and a hoarder? I often wonder as I tour garages. A thread certainly binds the great ones: they're packed with neat stuff. As a whole, car people are wonderful gatherers. It's largely from necessity; owning obsolete things makes us rather opportunistic.
But the line separating collectors and hoarders isn't so clear, at least according to two behavioral scientists who answered-or at least tried to answer-that question on the radio one evening. They'd just recently published a book on the subject, and given the popularity drummed up by reality hoarding shows of late, they found a forum on one of my favored interview programs.
What made that question stand out was the day that preceded that particular evening. Actually that question more than stood out; it gave me the heebie-jeebies. It would have you too were you in my position. I thought someone was messing with me. I looked as calm as possible. Then I glanced furtively for a camera.
No more than 30 minutes prior I'd left Alan Darr's house. Alan collects petrolania, the hardware and marketing material generated by the petroleum industry: globes, pumps, signs, advertisements, and so on. As far as petrolania collections go, his is one of the more sought-after.
But what makes Alan's collection so coveted is not its size as much as its focus: for around 40 years he specifically collected items created by and for the Gilmore Oil Company.
Gilmore, if you didn't know, has a special place in the petrolania world. For 45 years it did more than sell gas, oil, and service; it basically facilitated America's love affair with the automobile. And in doing so, Gilmore produced a seemingly unnatural amount of stuff: packaging, advertising, flyers, cards, pens, matchbooks, license plate toppers, and ashtrays. And that's not to say anything of the pumps, globes, signs, and other things used in the distribution of petroleum products.
And if Gilmore made it, Alan Darr might have one. That's what made the program so compelling: Alan has packed a good part of his house with Gilmore-related items. Every square inch of his two-car garage's perimeter is chockablock with signs, banners, plaques, displays, and so on. As the collection grew, it spilled over to fill all but 6 or so square feet of one of his home's bedrooms. How would these experts judge Alan? I listened, and wondered.
It all started with the Model T
They say that Henry Ford's Model T put the world on wheels. Henry's T certainly put Alan Darr on his path. "I had a '27 roadster pickup and I thought, 'Gee, it would be kind of neat to get an old gas pump,'" he says. "I worked for the fire department. Everyone had to have a little sideline job because you couldn't live on what they paid you at the fire department. I was kind of into old cars ... so I'd just buy parts and advertise them in Hemmings. I'd see a '40 Ford coupe behind some guy's house so I'd ask about buying parts off it. I'd take the money I made from that and go onto something else.
"Along the way I'd find signs and artifacts, and most of that stuff I'd end up keeping. So eventually I was buying and selling parts so I could buy more signs and pumps and so forth. That stuff was starting to get hard to find. People were grabbing it whenever it showed up. I was taking just about whatever I could get my hands on."
A stash practically in his backyard focused his efforts. "I was just on the outskirts of Toledo, Washington, and I see this pump sitting alongside this closed-up auto shop. It had a Gilmore globe on it," he explains. As the story went, the shop was once a Gilmore station that closed when its owner decided to join the Army Corps of Engineers. What made the find especially compelling was its completeness: "Inside his shop it was just like 1943 because he'd just closed the doors and left," Alan reveals. And best of all, newfound retirement in the '70s inspired its owner-the guy who shut the shop decades before-to clean house. "I ended up getting a lot of that stuff," Alan admits. "It took several years but most of everything he had in there I ended up with."
Though inspired to collect more Gilmore, Alan admitted he still bought whatever he could find. "I kept picking up other West Coast items with the possibility that I'd have to trade something to get a Gilmore item," he notes. "It was just a lot of wheeling and dealing; I used to keep a notebook of all the collectors who had Gilmore stuff. A lot of these guys ... had only one or a handful of items. Well, for whatever reason, something would turn up and they'd want to turn part of their collection into money." In one instance a collector wanted to bankroll his granddaughter's wedding. He just happened to have a globe. As Alan instructed, "You gotta get it when you can."
And get it he has, which is why I couldn't keep my mind from drifting as the interview proceeded. I learned a few things as the experts put a finer point on the line that differentiates a collector from a mere hoarder. For one, a common theme ties a collector's stash. That's Alan. A collector also gathers objects of relative worth. Yep, that's also Alan.
It's when they specified that a collector knows exactly what he or she has, knows precisely where to find it, and willingly shows it off that I started sweating. I wring my hands at the prospect that someone may see the disheveled contents of my garage. God forbid someone like Alan stumble upon my divine mess: it's a space bigger than his yet won't accommodate more than one small car due to the randomness that stuck to me over the years.
That's when the gravity of the interview struck me. "Forget Alan," I thought to myself. "They're talking about me," or more specifically, about the way I'm not.
Needless to say, I bought the book. I know it's here ... somewhere.
More Photos From This Article View Slideshow
There's hardly any reason to suspect Alan's collection; standard two-bay tract-house garages rarely host collections of anything besides vacation photos nobody wants to see or clothes they'll never wear. But Alan found a way to make his two-stall museum double as a three-car garage.Alan is a self-proclaimed Gilmore guy but he admitted grabbing anything that crossed his path if only to use as trading stock. The guy from whom he got the Flying A globe (a very early example) collected pumps but wasn't much interested in the globes on them.His globes are most coveted. He has a number more than these but the most esteemed ones are the ones for Blu-Green gasoline (third one in). It's for their color more than anything, as Blu-Green was a mid-grade (the hot stuff was the Tetraethyl-rich Red Lion).In 1943, when that pump was last used, $0.37 was the equivalent of about $2.81 in today's money and cars of the time got poorer fuel economy than today's do.Forget the McCoy spindizzies; the real gold is behind the glass. It's a promotional flag that a well-connected enthusiast who worked for Firestone had signed by all the noteworthy figures as he toured the circuit supplying tires to racers. The signatures are epic: Babe Stapp, Augie Duesenberg, and Eddie Rickenbacker were just a few who inked it. The prior owner donated it after he coincidentally read Alan's Gilmore history in the September '77 issue of Old Car Illustrated. (To give you an idea of how long Editor Brennan has been around, he worked on that issue of Old Car Illustrated.)Events that occurred in the Gilmore era, including the L.A. Olympics in 1932 and the Chicago World's Fair in 1933, appear on Alan's radar. We don't think of things like seat cushions, but here's one that some vendor likely hawked at the entrance to the L.A. Coliseum. He found it in, of all places, an antique store.What makes Alan's collection so special is its stories. The pump in the last photo, for example, is the middle one in this framed picture on Alan's wall. Unfortunately access was poor to properly light the pump, hence the lack of current picture.For all Alan thought he was getting a tabletop; however, lugs on this board's base suggested otherwise. Eventually he discovered that it was a plaque that attached to a tanker that transported Gilmore fuel that could be changed out to suit. We think that modularity is a relatively new construct. Fat chance.
Marx made toys in the likeness of common subjects reportedly because kids could identify with them and service stations factor prominently in the company catalog. But very early examples like this '34-vintage station are exceptionally rare and even rarer when complete as this one is. Alan spent the considerable profit from selling a '40 sedan delivery on this and another set.Curiosity goes hand-in-hand with rarity; case in point this framed poster. On it is a card boasting that this particular design won its creator an award. Whether the advertiser or Gilmore used it as bragging rights is unknown, making it all the more intriguing.A restorer at heart, Alan's pretty much OK with hot rods, too. He bought this A/V-8 in the very early '70s from a fella who bought it at a swap meet in Stockton, California, a few years prior. It has a full-dress Flathead recessed into the firewall, a '39 trans, a Halibrand quick-change axle, juice brakes, and a '40 dash. Like the rest of his collection, it's the real deal.The breadth of Gilmore's catalog is intense: myriad pen styles, matchbooks, point-of-sale merchandise, license-plate toppers ... even oil cans. The newspaper behind all of it is the Gilmore Cub, a newsletter with company specials, factoids, and prior weeks' song winners (it was a promotional contest).Alan bought several heirlooms from Bob Swanson's daughter, Bobbie. Included in that list is this bound volume of the 1935 Coast Auto Racing issues. Publishers Della Rice and her husband cast it in true newspaper format and it was in its day the last word in the racing world. The Rices presented rare volume made rarer by their signatures to the Swanson family.As a disposable society we never think of the vessels that delivered our products. But during the Great Depression they did. These oil barrels and cans survived probably due to someone's uncertainty about what the future could bring. Good thing we don't have that to worry about anymore. Right?Gilmore's star shone brightest in the '30s, a time when tether cars were a novel way for enthusiasts to go racing on modest means. His collection includes McCoys, Doolings, and even a Speed Chief just because Alan liked the dropped axle and white balloon tires. (Tether cars enjoyed the unofficial first race in 1937 at an abandoned lot in Los Angels, as the story goes. The Dooling brothers began building "little" race car engines and the cars themselves for the public in the late '30s and early '40s. They created a famous car design called the Frog, and also a popular engine called the Dooling 61. Doolings will bring $3,000, while a well-used car will still bring $2,000, and the rarer cars can sell for as much as $30,000-$35,000.)Not all that's obsolete is useless. When the bell rang in the corner of his garage, he surprised me by answering the call on this '20s candlestick phone-that's him taking that call (in the photo on the opposite page). He uses it frequently, a testimonial to bygone construction.We're in debt to our friends in one way or another. Alan's in debt to his pal Steve Lemmons who lets him stash a few more cars. Alan's wife, Margaret, is the third and fifth owner of the '39 Mercury (Alan encouraged her to buy it back after they got married). Peter Eastwood built the Deuce tub for Jack Davidson, owner of Sanger Boats. When collector of note Owen Owens commissioned the restoration of the '34 tub, he specified juice brakes, a '39 box, and a later Flathead. Alan added to that a stretched axle and 16-inch Kelsey-Hayes wheels.
They're all but crystalline palaces now but Ford dealers were once little more than garages scattered across the countryside. The widow of a former Ford dealer in Naches didn't even know about the sign on the garage wall that Alan asked about, but when he offered to buy it she told her son, a boom operator for the power company, to take it down.


text:
New Fuel Cell Center dedicated
Gov. Granholm among the hundreds to tour the new Kettering Center for Fuel Cell Systems and Powertrain Integration.
Formal ceremonies at Kettering University may have focused on "a fuel cell vision for the future," but the real story in Flint this week was about Dr. K. Joel Berry's courage to dream.
A grand opening was hosted June 15 to formally open the Kettering University Center for Fuel Cell Systems and Powertrain Integration. The event included tours of the new center and demonstrations of fuel cell vehicles from General Motors, Ford, Toyota and the U.S. Army.
The state-of-the-art fuel cell center has been a three-year mission of Dr. Berry, who is head of Kettering's Mechanical Engineering Department and director of the new fuel cell center. He is a 1979 graduate of Kettering University/GMI.
Hundreds of visitors walked through the new facilities, including Michigan Gov. Jennifer Granholm who received a private tour and an opportunity to ride in a fuel cell powered vehicle. "In an increasingly competitive economy, we must build on our strengths as a state," Gov. Granholm said. "People in Flint know a thing or two about building engines. If we are willing to take action now, we can ensure the technology that powers tomorrow's car is developed and built in Michigan."
And despite speeches from the elite of today's fuel cell and automotive industry, it was Dr. Berry's words that moved the large crowd the most. "I am extremely humbled and appreciative of your words and the hard work it has taken to get us to today," Berry said. "This has been a long journey with many lessons learned. The most important is that it takes a lot of collaboration with many players and partners to get to this point."
Ed Donovan, president of the Flint Genesee Economic Growth Alliance, served as the master of ceremonies for the dedication ceremony. Donovan declared it a "great day" at Kettering and in Flint. He said the new fuel cell center will conduct world class research and development and improve manufacturing capacity.
- A distinguished list of experts offered comments, including:
- Kettering University President James E.A. John, who congratulated Dr. Berry and said it was a wonderful day for Kettering. "This is important for us as we move forward."
- Lawrence Burns of General Motors reminded the crowd that the most important part of the growing hydrogen infrastructure is "knowledge."
- Jean Botti of Delphi Corp. said "we think something is going to happen here. You don't transform an industry one day to the next - but (fuel cell) cars are part of the environmental equation."
- Jim Croce, CEO of NextEnergy, said the new center is a demonstration of Kettering and its stakeholders' commitment. "It is difficult to overstate the significance of this effort as a critical element in Michigan's quest for international leadership in the emerging fuel cell industry."
- State Rep. Brenda Clack congratulated Dr. Berry and said "your baby has been born! Kettering is a tremendous asset in our city."
- John Peck, of the U.S. Economic Development Administration, said the new center is an important project that builds on Flint and Kettering's heritage. "The great work lies ahead of Kettering, building partnerships and taking advantage of the potential here."
- Vince Nystrom, of the Michigan Economic Development Corp., applauded Kettering's research investment and called the new center "a proven model." He said the real product of the center will be its ability to guide technology while supporting innovation and long-term job growth.
- Robert Foy of Flint MTA talked about the recent partnership forged with Kettering that will put Michigan's first fuel-cell powered bus on Flint streets. "Within a year, we will fund the development of a hydrogen refueling station here at Kettering," he said. "Kettering will evaluate and improve - and take the lead for us to prepare our workforce of the future."
- Herb Dobbs, TARDEC/NAC, team leader, fuel cells and alternative fuels, spoke of the importance of the U.S. Army's partnership with Kettering. "As the Army moves forward," he said, "we need new energy sources. The research here will be vital for the Army to reach its goals."
- Kathleen Czajkowski, CEO of Convergence Technologies, said she was proud that her company was in final negotiations to be the first business in the new incubator. "We thought we were a voice in the wilderness before we met Dr. Berry," she added.
About the Kettering University Center for Fuel Cell Systems and Powertrain Integration:
The center is approximately 10,000 square feet in the University's new science and engineering building. It houses specialized equipment, instrumentation and infrastructure required to meet the vision, mission and goals of the center.
The goals include:
- excellence in fuel cell research, testing and evaluation,
- attracting the world's leading fuel cell developers, manufacturers and suppliers to the region, and
- developing companies for the emerging fuel cell industry.
The center will include state-of-the-art laboratories and other areas for fuel cell testing and research, staff support and an assembly and project display area, and a combined teaching studio and control room. The incubator renovations include basic office cubical support for up to 10 companies. Dr. Berry noted that the center holds promise to accelerate the development and commercialization of fuel cells for stationary and mobile applications. "It will also provide world-class fuelcell engineering education and help Michigan and the Midwest develop a trained workforce," he said.
"Our hope is to provide technological leadership in fuel cell R & D here at Kettering," Dr. Berry added, "leading to product commercialization and incubation for new and emerging companies that will spin-off and help create Kettering's Research and Technology Park."
Written by Patricia Mroczek
(810) 762-9533


text:
SeaFET™ Ocean pH Sensor
The SeaFET™ Ocean pH Sensor was developed by Dr. Kenneth Johnson of the Monterey Bay Aquarium Research Institute (MBARI) and Dr. Todd Martz of the Scripps Institution of Oceanography, University of California San Diego. Satlantic has collaborated with MBARI and Scripps to make the instrument commercially available to the research community.
The sensing element of the SeaFET™ is an ion sensitive field effect transistor (ISFET). This class of device has been used for pH sensing in industrial processes, food processing, clinical analysis and environmental monitoring. The advantages of the ISFET include robustness, stability and precision that make it suitable for ocean pH measurement at low pressure.
The SeaFET™ reports pH determined potentiometrically in two different ways. The ISFET potential is measured against a reference electrode bearing a liquid junction (internal reference) and against a solid state reference electrode without a liquid junction (external reference). This approach provides the user with the ability to quality assess instrument performance and ultimately achieve a greater understanding of the state of acid/base equilibria in seawater.
The SeaFET™ Ocean pH sensor has been used extensively for ocean acidification research, coral reef research, coastal marine biology and environmental monitoring. For more information on recent research, please check out the References tab.
New Satlantic SeaFET™ sensors have been deployed in the US, Canada, France, UK, Australia and China and will be featured in the upcoming pH sensor evaluation being conducted by the Alliance for Coastal Technologies.
Replacing a SeaFET™ Ocean pH Sensor Battery (Note this is an older model)
Click on the Image to Watch the Video
|Measurement Range
|6.5 - 9.0 pH
|Initial Accuracy
|0.02 pH
|Typical Stability
|0.003 pH/month
|0.004 pH
|Internal Memory
|Supply Voltage Range
|Weight (with batteries)
|5.4 kg in air; 0.1 kg in water
|Dimensions (Housing)
|Diameter 508 mm (20") x 114 mm (4.8")
|Maximum Depth
|50 m
|Temperature Range
|0 to 50 deg C
The Satlantic SeaFET™ Ocean pH Sensor comes complete with SeaFETCom, an interactive graphic software application. Connect the SeaFET™ to your computer via the supplied USB programming cable to enjoy these SeaFETCom features:
- Review and modify SeaFET™ operational settings
- Schedule SeaFET™ data collection activity
- Manage and retrieve logged SeaFET™ data
- View SeaFET™ data in real time
- Reprocess SeaFET™ data and graph results
SeaFETCom provides all the tools necessary to configure and operate your SeaFET™pH sensor for any deployment scenario. Manage on-board data storage, processing, and collection modes. Set up real time data streaming via USB or RS-232. Capture and plot data in real time for pre-deployment checks or interactive profiling casts. Re-process logged pH data using ancillary temperature and salinity inputs for improved accuracy.
Download SeaFETCom 1.2.4 1.2.4
SeaFETCom 1.2.4 is compatible with V1.0 SeaFET running firmware 3.6.0 and later.
What is the response time of the SeaFET™ sensor?
The SeaFET™ samples at a rate of approximately one sample every 3 seconds. When in scheduled mode the instrument wakes up from low power sleep and is ready to take the first sample in approximately 3 seconds.
Can the SeaFET™ pH sensor be deployed with a pump?
Yes, the SeaFET™ pH sensor comes with a flow through cell with fittings that can be plumbed with a pump for flow-through operations. For in situ deployments, we recommend the Sea-Bird 5P submersible pump.
Can I integrate the SeaFET™ with a CTD?
The SeaFETTM outputs serial data in real-time that can be integrated with any data logger with a free serial port, such as the new SBE 25. In situations where a free serial port is not available, the SeaFETTM logs time-stamped data internally, that can be matched with CTD data during post processing.
Will the SeaFET™ work in high latitude regions?
Yes, provided the SeaFETTM sensing elements remain ice-free, the instrument works across the broad temperature range of 0 to 50 deg C. The original SeaFETTM prototypes developed at MBARI and SCRIPPS were deployed extensively in the Antarctic for several studies. For example times series data, please see Matson et al. 2011.
Do I need accurate salinity and temperature data to correct the SeaFET™ pH output?
The acquisition of conductivity/salinity data alongside the SeaFETTM is recommended. The acquisition of temperature data is not necessary as the SeaFETTM performs temperature measurements. Typically, conductivity and temperature measurements are combined in standard sensor packages. One can use an external temperature measurement calibrated to a relevant scale to confirm the accuracy of the SeaFETTM temperature measurement. The proximity of the two sensors, as well as, the abruptness of spatial gradients in temperature are both important considerations.
Which pH scale is relevant to the SeaFET™ Ocean pH sensor?
The SeaFETTM reports pH measurements on the total scale. Values of pH reported on the total scale represent the effective hydrogen ion concentration with contributions from both free hydrogen ions and those which have reacted with sulfate.
How often does the SeaFET™ need to be calibrated?
The stability of the SeaFETTM Ocean pH sensor is expected to be 0.005 pH units on the timescale of weeks to months (Martz et al. 2010). At minimum, the SeaFETTM should be calibrated yearly. The body of data collected by the community of SeaFETTM users generally suggests that the stability of the ISFET-based pH measurement offers an improvement by orders of magnitude when compared to glass electrode based pH sensors.
Wherever possible the SeaFETTM should be deployed in association with a water sampling program in order to collect water for spectrophotometric pH determination or another external measurement technique. Additionally, coincident measurement of multiple carbonate system parameters, allow the stability of the SeaFETTM to be assessed. These approaches have been carried out by a number of researchers over the past several years.
- Philip J. Bresnahan Jr., Todd R. Martz, Yuichiro Takeshita, Kenneth S. Johnson, Makaila LaShomb (2014) Best practices for autonomous measurement of seawater pH with the Honeywell Durafet Methods in Oceanography 9 44-60 Read Now
- Price, N.N., Martz, T.R., Brainard, R.E., Smith, J.E. (2012) Diel Variability in Seawater pH Relates to Calcification and Benthic Community Structure on Coral Reefs PLoS ONE 7(8): e43843 doi:10.1371/journal.pone.0043843 Read Now
- Hofmann, G. E., J. E. Smith, K. S. Johnson, U. Send, L. A. Levin, F. Micheli, A. Paytan, N. N. Price, B. Peterson, Y. Takeshita, P. G. Matson, E. D. Crook, K. J. Kroeker, M. C. Gambi, E. B. Rivest, C. A. Frieder, P. C. Yu, and T. R. Martz. (2011) High-Frequency Dynamics of Ocean pH: A Multi-Ecosystem Comparison PLoS ONE 6(12): e28983. doi:10.1371/journal.pone.0028983 Read Now
- Kroeker, K. J., F. Micheli, M. C. Gambi, and T. R. Martz. (2011) Divergent ecosystem responses within a benthic marine community to ocean acidification Proceedings of the National Academy of Sciences (PNAS) 108(35), 14515-14520 doi:10.1073/pnas.1107789108 Read Now
- Matson, P. G., T. R. Martz, and G. E. Hofmann. (2011) High-frequency observations of pH under Antarctic sea ice in the southern Ross Sea Cambridge Journals Online 23(6) 607-613 doi:10.1017/S0954102011000551 Read Now
- Yu, P. C., P. G. Matson, T. R. Martz, and G. E. Hofmann (2011) The ocean acidification seascape and its relationship to the performance of calcifying marine invertebrates: Laboratory experiments on the development of urchin larvae framed by environmentally-relevant pCO2/pH Journal of Experimental Marine Biology and Ecology 400, 288–295 Read Now
- Martz. T, Connery J.G., Johnson, K.S (2010) Testing the Honeywell Durafet® for seawater pH applications Limnol. Oceanogr 172-184 doi:10.4319/lom.2010.8.172 Read Now
Flow Cell
It is essential that the SeaFET™ sensing elements remain immersed in seawater at all times. For this reason, the SeaFET™ is equipped with a resealable flow cell. The flow cell can be fitted with brass penetrating fittings and copper-nickel tubes to which one can attach flexible tubing or hoses for flow-through applications (Image shows one fitting attached and one not).
Bio-fouling Guard
The SeaFET™ bio-fouling guard is a copper based passive fouling prevention guard. The anti-fouling guard provides a reliable and affordable approach to increase deployment time, decrease operating costs, and collect high quality data for mooring applications.
Internal Battery Pack (For earlier models)
Alkaline Battery Pack (For earlier models)
Satlantic's reliable and user-friendly Alkaline Battery Packs are available in 102 Ah and 51 Ah capacities. The design of the internal battery compartment allows the user to easily change the D-Cell batteries with off-the-shelf replacements. The battery packs consist of an anodized aluminum pressure case, a D-cell battery compartment and a removable end-cap.


text:
Let's face it — few of us will ever be Jackie O., and if anyone will be, it will be me. But that doesn't mean that the rest of you can't rock just as nice a hat, and that, on the off chance that I am not heralded as her second coming, I can't also summer with my head appropriately adorned. Let's take a look at some of the best options this summer for blocking the sun and retaining the mystery of what your eyes are saying.
Gallery: Hats – How to Adorn Your Dome This Summer
- 6 years ago by Jessica P. Ogilvie
- No Comments »
- Share a Tip


text:
Style #: C07108
For further details regarding our pricavy policies including the use of cookies please click here. For instructions on how to enable cookies please click here. If you need assistance one of our customer service representatives at 1-800-850-7463 would be glad to help.
Color(s): T Moro Calf
Price: $327.95
Sale Price: $229.95 Save 30%
Select Your Size
Then, Select Your Width
Additional Views
Handcrafted Italian driver in Cole Haan signature herringbone weave, eye-catching and iconic in finest hand-burnished calfskin. Concealed NIKE AIR technology in the heel for ultimate cushioning and maximum support. Handsewn on the last moccasin construction. Soft leather lining. Fully padded leather sock lining. Innovative driver sole with durable sidewall stitch. Made in Italy.
No Customers Have Reviewed This Product Yet
Share your thoughts with other customers
Enter email address to join our mailing list


text:
Earlier this month we completed the migration of our Zimbra hosting farm (we are a Zimbra HSP) from a mix of physical and virtual servers to our new private cloud platform.
The downtime was minimal, and if you are going to be in Portland Maine on Wednesday, June 29 and would like to attend an educational seminar we are presenting: "Cloud Hosting Evaluation", please just register on our web site. Our Zimbra hosting farm migration is just one of the case studies we'll review as our private cloud hosts not only our Zimbra hosting farm, but also a number of clients' own dedicated Zimbra servers and a number of clients' non-Zimbra servers. We will also cover migrating an eClinicalWorks EHR server and a Microsoft SQL Server server.
The seminar (free, but you must pre-register) covers cloud hosting in general; how we came to insource our private cloud instead of outsourcing it, what lessons we've applied to our private cloud infrastructure gleaned from all of the cloud outages we've all read about in the trade press, and most importantly; how companies can decide if cloud hosting is appropriate for their business (it isn't always) and if so, how to evaluate cloud hosting providers.
To be clear, this seminar isn't a sales pitch as it's mostly for existing clients. We architected our private cloud infrastructure for a very narrow range of client needs, mostly to help a portion of our current managed services client base migrate end-of-life premises-based systems. (Zimbra hosting is a small, albeit growing percentage of our business...).
Happy to discuss our Zimbra farm migration here too if you can't make the seminar. Please just post some specific questions. (We used the "install.sh -s" method to migrate our servers on a rolling basis so we could end up with all servers on SLES11 SP1.)
And if you do intend to come to the seminar, please put "Zimbra Forums" in the Notes section of the registration page.
All the best,


text:
Out of Stock
Item # RID0058
Don't worry though, we have a lot more Pre-Configured Cyclocross Bikes in stock than that.View Similar Products
Ridley X-Fire Disc / Shimano Ultegra Complete Bike - 2013 $0.00
With five world championships, and even more national titles to its credit, the Belgian Ridley is rightly said to be residing at the center of the cyclocross universe. Never being one to shy away from innovation, for the first time, Ridley's 2013 line incorporates disc brakes. Paving the way for this design is the X-Fire Disc/Shimano Ultegra Complete Bike
Ridley's X-Fire Disc Complete Bike features a frame constructed of 24-ton carbon fiber, and a full-carbon 4ZA Oryx fork. To manage the load forces from the new disc brake, 4ZA now uses a reinforced lower-leg design. This is beneficial in three ways. First, the massive legs guarantee that you won't experience any lurching or torsion from the caliper. Additionally, the larger blades aid in absorbing any chatter, vibration, or shock from nasty terrain. And last, the 1-1/8 x 1-1/2in, oversized design provides unparalleled rigidity. Coupled with the massive head tube juncture, the Oryx fork offers nimble handling and an explosive sprinting prowess -- perfect for the short spurts of power required after barriers.
And while the newly redesigned fork is amazing, the frame construction and features bring just as much to the table. For the carbon itself, the 'T' in 24T stands for ton -- meaning that the X-Fire's carbon can withstand 24 tons of pressure per square inch. This level of strength might sound weighty, but the opposite is actually true. Ridley knows that with stronger carbon, less can be used to receive greater results. Accordingly, this application sheds weight while increasing torsional and lateral rigidity. Aside from carbon, Ridley's decades of 'cross experience bred a few frame features that you'll be happy to have when you're running in the mud. For one, the X-Fire has a squared top and down tube for a heightened sense of comfort and grip when you're shouldering the frame. In turn, this feature also stiffens the bottom bracket juncture for power efficiency. For added protection from the elements, and for unencumbered dis/re-mounts, Ridley incorporated internal cable routing for the shift cables and the rear brake line. Ridley even designed the fork shape to shed excess dirt.
Of course, the real stars of the show are the X-Fire's mechanical disc brakes. Hayes CX calipers and 140/160mm rotors provide the best stopping power and braking modulation on the market. Let's face it, cantilevers have never been regarded as the 'ultimate' in power or efficiency, and frankly, we're surprised that it's taken this long to witness the shift. Now, the frame has better mud clearances, and braking is no longer reduced in inclement weather. Also new for the X-Fire is 135mm rear spacing. So now, you can keep your 29er wheelset in the pits as an easy backup or change-out option.
If you can think of it, Ridley has already done it. The X-Fire Disc is the culmination of a long list of Ridley innovations -- the first full-carbon cyclocross frame, the first oversized carbon cross fork, and the first 1-1/8 x 1-1/2in cyclocross head tube. It also plays host to a generous component package. For the shift/brake levers and rear derailleur, the X-Fire uses the impeccable Shimano Ultegra 6700. The drivetrain is driven by a FSA SL-K Lite BB386 46/36t crankset and a Shimano 105 chain, 12/27t cassette, and front derailleur. Ritchey has been used throughout the cockpit with a Pro Carbon seatpost, WCS 4-axix 44 stem, and WCS Evo-Curve handlebars. You rest on a Prologo ZERO II saddle, and roll on the hand-built Velocity AZ3 wheelset, cased in Clement Crusade PDX tires. As you can tell, the X-Fire Disc is ready for the dirt right out of the box.
The Ridley X-Fire Disc/Shimano Ultegra Complete Bike is available in the color Black/yellow and in eight sizes from 41cm to 60cm.


text:
Thursday Night Lights Scholar Athlete 2013 Rules - Presented by Beaman Automotive
Who Can Enter
1. To be eligible to participate in this contest, Scholar Athletes of the Week must 1) reside in the WUXP-MyTV30 viewing area, 2) be a currently enrolled as a senior at one of the High Schools (as defined below), AND 3) be an active member in one or more of the High School's athletic programs or teams (i.e., football, soccer, cheerleading). Participating High Schools: Father Ryan High School, Pope John Paul 11, Dickson County High School, Brentwood High School, Independence High School, Pearl Cohn High School, Blackman High School, Oakland High School, Centennial High School, Beech High School, Lebanon High School, Mt Juliet High School, Franklin High School, Hendersonville High School, Gallatin High School, Montgomery Bell Academy, Antioch High School, Hillsboro High School, Brentwood Academy High School, and Ensworth High School.
2. Employees of Sinclair Broadcast Group, Inc., Sinclair Television Group, Inc., Sinclair Television of Tennessee, Inc., Sinclair Television of Nashville, Inc. and any other company which owns, programs or provides other services to television broadcast station WUXP-MYTV30 (the "Station") WZTV, WNAB, Nashville Licensee Holding, LLC, Nashville Broadcasting Limited Partnership, the High Schools, Beaman Automotive (the "Sponsor"), their affiliated companies, advertising and promotion agencies, any and all local television broadcast and cable stations, local radio and other media companies, and the immediate family members of each are ineligible. The term "immediate families" includes spouses, grandparents, parents, siblings, children and grandchildren.
How to Enter/Win
(a) No purchase is necessary to enter.
(b) Each of the High Schools' athletic directors and/or principals will select one (1) high school senior athlete (either male or female) to be the Scholar Athlete of the Week for the High School. The High Schools' Scholars of the Week must be received by August 22, 2013. Scholar Athletes of the Week must sign appearance releases, which must be received by the Station by August 22, 2013.
(c) Each Thursday from August 22, 2013 to November 1, 2013, two of the High Schools will participate in the "Thursday Night Lights" high school football game which airs on the Station (WUXP MyTV30) at 7:00 p.m. CT. The Scholar Athletes of the Week from each of the High Schools playing that week will be featured as the Scholar Athletes of the Week for their respective school, and will appear in a vignette which will air on WUXP throughout the week.
(d) Each Scholar Athlete of the Week will be eligible to win the Scholar Athlete of the Year Scholarship (the "Scholarship"). To qualify to win the Scholarship, each Scholar Athlete of the Week must submit a two minute (2:00) video ( DVD format only) produced solely by the Scholar Athlete of the Week outlining the following four topics: (i) Grade Point Average/Academic standing, (ii) Athletic Achievement, (iii) Community Activities, and (iv) Why they deserve the Scholarship. If any Scholar Athlete of the Week does not complete and submit the video portion of the entry to the Station by November 8, 2013, then the Scholar Athlete of the Week will be disqualified. DVD entries shall be mailed to WUXP-MyTV30, Attn: Mary Blair Johnson, 631 Mainstream Drive, Nashville, TN 37228. Station is not responsible for lost, late, or misdirected mail/entries or for printing errors.
(e) By entering, Scholars of the Week i) represent and warrant that the video submitted is their own original work and does not violate the rights of any third parties, ii) agree that the Station has the right to use his/her appearance, likeness and voice, iii) agree that the Station may use the DVD submission in any and all media, and iv) agree that the Station may edit or crop the DVD submission without such Scholar Athlete's advance permission.
(f) All DVD entries will be judged by a panel of three (3) judges comprised of representatives from the Station and Sponsor based on the following criterion: i) academic achievement (25%); ii) athletic achievement (25%); iii) need of scholarship; and iv) community activities (25%). In the event of a tie a random selection of the will decide the winner. The decisions of the judges shall be final. The Station, Sponsor and judges reserve the right in their sole and absolute discretion to disqualify any entry. All decisions of the Station, Sponsor, and judges relating to the judging of this contest or the compliance and/or interpretation of these rules are final.
(g)On or about November 8, 2013, one (1) Scholar Athlete of the Year will be selected from among the Scholar Athletes of the Week based on the judging criterion set forth in subparagraph (f) above. The Scholar Athlete of the Year will be notified by November 15, 2013, and will be required to appear live on TENNESSEE MORNINGS on FOX17 on November 22, 2013.
(e) All entries (including videos) received that are mutilated, tampered with, illegible, or from ineligible entrants will be void. All entries (including videos) become the property of Sinclair Broadcast Group, Inc., Sinclair Television Group, Inc. and the Station and will not be acknowledged or returned.
The Prize(s)
(a). Each of the twenty two (22) Scholar Athletes of the Week will receive a plaque valued at $25.00 and will be featured in a vignette which will air on WUXP. The value of the vignette cannot be determined. One 2013 Beaman Automotive Scholar Athlete of the Year will receive a trophy, and receive a five-thousand dollar ($5,000) scholarship to the college or university he/she plans to attend. The check for scholarship will be made payable to the school of choice of the winner.
(b). Winners will be notified by phone. Winners must sign and return a release and affidavit of eligibility, which must be received within five (5) days of notification. If a winner is a minor, then the winner's parents or guardian must sign a release and affidavit of eligibility before the winner receives his or her prize. Winners must show picture identification to claim prizes. Station reserves the right to examine additional identification and may choose to accept or deny awarding the prize based on the identification presented.
(c). If a winner cannot be notified within five (5) days or does not timely return the affidavit of eligibility, the prize will be awarded to an alternate winner with the next highest score as determined by the judges in their sole and absolute discretion.
(d). There will be no substitutions or cash alternatives for prizes.
(e). The winner is responsible for paying all local, county, state and federal taxes on prizes based on the estimated retail value of the prizes as set forth in these rules.
(f). Contestants are eligible to win only one prize within any one-hundred and eighty (180) day period, regardless of the number of contests entered.
(g). Sinclair Television of Tennessee, Inc., Sinclair Television of Nashville, Inc., Sinclair Broadcast Group, Inc. and Sinclair Television Group, Inc. are not liable if the provider of any part of the prize fails to satisfy its obligations to furnish its portion of the prize.
(h). Sinclair Television of Tennessee, Inc., Sinclair Television of Nashville, Inc., Sinclair Broadcast Group, Inc. and Sinclair Television Group, Inc. are not responsible for any liabilities arising directly or indirectly from the award or use of the prize.
(i). In claiming your prize, you acknowledge that Sinclair Television of Tennessee, Inc., Sinclair Television of Nashville, Inc., Sinclair Broadcast Group, Inc. and Sinclair Television Group, Inc. have the right to publicize your name, character, likeness, photograph, voice and the fact that you are the winner for promotional purposes without financial remuneration.
Odds of Winning/Miscellaneous
(a). Odds of winning depend on the number of entries received.
(b). Complete contest rules are available Monday through Friday during normal business hours at WUXP-MyTV 30, 631 Mainstream Drive, Nashville, TN 37228 and on the Station's websites at www.mytv30web.com. Station reserves the right in their sole and absolute discretion to disqualify any entry.
(c). For a list of prize winners, send a separate, self-addressed, stamped envelope to WUXP-MyTV30, c/o "Prize Winners-Scholar Athlete" 631 Mainstream Drive, Nashville, TN 37228 by November 26, 2013. Names of minors will not be fully disclosed.
(d). This contest is subject to all applicable laws and regulations and is void where prohibited. Sinclair Broadcast Group, Inc., Sinclair Television Group, Inc., Sinclair Television of Tennessee, Inc., Sinclair Television of Nashville, Inc., Beaman Automotive Group, Nashville License Holding, LLC, and Nashville Broadcasting Limited Partnership accept no responsibility or liability in connection with any injuries, losses or damages of any kind caused by or resulting from the acceptance, possession or use of any prize awarded hereunder.
(e). Stations cannot be held liable for any lost or stolen entries, prizes or contest information.
(f). Station & sponsor reserve the right to make rules and contest changes and change the aforementioned contest dates.


text:
As employers scrambled to meet looming deadlines under the health care reform law in hopes of averting a predicted disaster, the Obama administration hit the brakes on a key provision of the law.
In a surprise announcement on July 2, the U.S. Treasury Department said on its blog that enforcement of the employer mandate requiring employers to provide their workers with affordable health insurance is postponed until 2015.
"I was somewhat surprised, but it clearly looked like we were heading toward what Sen. [Max] Baucus called a train wreck," said Helen Darling, president of the National Business Group on Health. "When large employers institute any kind of change, even minor ones, they need at least a year's lead time and sometimes two. We've been feeling a growing anxiety that this wasn't going to happen. It's an enormous relief."
The employer mandate, also called the "pay or play" provision, was supposed to go into effect Jan. 1, 2014. The individual mandate requiring most Americans to purchase health insurance is still in effect for 2014.
Under the Affordable Care Act, companies with 50 or more workers face a fine of up to $3,000 per employee if they don't offer health insurance to full-time workers. But many employers say that determining who is a full-time employee and therefore eligible and whether their plans meet the law's affordability requirements is a complex and time-consuming process.
"There are a lot of steps to this," said J.D. Piro, a senior vice president at Aon Hewitt in Lincolnshire, Illinois. "The law was passed in 2010, but the nuts and bolts of it have only come down in the past six to eight months."
Indeed, the lack of guidance from the federal agencies responsible for implementing reform—namely the Treasury Department, Internal Revenue Service and Department of Health and Human Services—has been a chief complaint among employers.
"The irony is that employers don't know what they're grappling with because the government hasn't really been clear," Darling said. "They were not getting the details out of what the reporting requirements are."
She urges human resources practitioners and benefits managers to use the extra time to review any changes they were planning to make to their benefit plans for 2014 and determine if any modifications are needed.
While the delay gives employers some breathing room, they still need to figure out what to communicate to employees and what to report to the federal government, she said.
In addition to the individual mandate, the deadline for the establishment of state health exchanges remains on track. Starting Oct. 1, the health insurance marketplaces will be open for business, and employers are required to give workers information on where to go to sign up.
Rita Pyrillis is Workforce's senior editor. Comment below or email email@example.com. Follow Pyrillis on Twitter at @RitaPyrillis.