text:
|Hospital Quality
|Patient Satisfaction
|Appointments & Offices
7 Tips to Prepare for Your Appointment
The key to a successful appointment is communication. To get the most out of your visit, prepare ahead of time so you can lead the conversation with your doctor. These 7 tips will get you ready
Appointments & Offices
Check insurance plans, locations and make an appointment
Is Dr. Ray accepting new patients?
If you are a new patient, please check with Dr. Ray before scheduling an appointment.
What insurance does she accept?*Less
Office Locations
- University Mississippi Ansthlgy
- Jackson Office
- 2500 N State St Ste S108
- Jackson, MS 39216
- (601) 984-1000 (Office)

subset: commoncrawl


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As a community association, your aim is to preserve property values for the safety and harmony of all. And sometimes, this requires aggressive enforcement of rules and regulations. At GADC, we provide the resources and support necessary for you to manage homeowners' and tenants' violations promptly and consistently.
Our team serves as your trusted consultant, helping you to explore the most up-to-date enforcement rights available under your condo/HOA documents and Florida law, such as fines, suspension of use rights, evictions, pre-suit mediation, arbitration and litigation. We also ensure that your board follows proper procedures in covenant enforcement, significantly decreasing your exposure to liability.
It's a critical process and we're glad to make it easier for you. Give us a call today.


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Welcome to the Marietta College Career Center
The Career Center at Marietta College is staffed by professionals who prepare students for successful futures by providing career advising; access to experiential education; state-of-the-art job search and graduate school resources and programs; and the necessary tools to transition from Marietta College to the World of Work.
Check out our 2015 Career Outcomes!
Check out our 2014 Career Outcomes!
Career Center PSA: Hilles Hughes
Students are encouraged to visit the Center for individual advising, and they can also take advantage of the variety of career workshops and events offered throughout the year such as: "Wine, Dine & How To Act Fine" (an etiquette workshop) and "Preparing for Graduate School" – just to name a few.
Get Started Today!
The Career Center is also involved in a variety of career fairs throughout the year including the Teacher Recruitment Consortium, the Ohio Foundation of Independent Colleges' CareerFEST and the Muskingum & Marietta College Interview Day. In addition to these recruitment and networking events, the Center maintains a database of employment and internship opportunities which students and alumni can access free of charge 24/7 through College Central. Through résumé referrals, alumni mentoring, company info-sessions and campus interviews, the Career Center facilitates connections to employers throughout the region and beyond.
Important Campus Recruiting Information for Petro, Geo and Land Management Students
As a Marietta College student majoring in Petroleum Engineering, Land Management or Geology, you have a unique opportunity to work directly with the Career Center. The majority of the campus recruiting occurs in the fall. Please follow the steps below so you can take advantage of the Marietta College recruiting program.
Should you have questions, please do not hesitate to contact Cindy Rogers at firstname.lastname@example.com or by phoning 740-376-4645.
You MUST register in COLLEGE CENTRAL NETWORK (CCN) - www.collegecentral.com/marietta
- Please click the STUDENTS icon
- Please click REGISTER NOW
- Register using your student identification number as your access id and a password that you will remember
- Update your profile – please use your college address (including box number) as the current address, your home address as permanent address, cell phone, Marietta issued email address, class year in which you will graduate from MC, Major, and Bachelor's Degree. You will NOT have a GPA until 2nd semester! DO NOT post your high school GPA!
- If you are a transfer student, you will NOT post your GPA until after your first semester at Marietta College.
- Your profile is of utmost importance! Please take special care to fully and accurately complete. An incorrect profile will prevent your resume from being submitted for consideration of an interview. Please contact Cindy if you've questions or concerns.
You must upload a resume into CCN and then gain approval in order to participate in campus recruiting. Note: you will receive an email once your resume has been approved!
- Resume should be one page in length
- Include the title of your degree, major (if in the Petroleum Engineering program please add ABET Accredited)
- Add GPA if 3.0 or higher
- Make sure the format is easy to read and presents the most important information first. Check for accuracy of spelling and dates
- For sample resumes, see the Helpful Tutorials located on the website or in CCN.
- PLEASE NOTE! Once your resume has been posted in CCN, the Career Center staff will review it. You will receive feedback via campus mail and/or email. Please check both regularly!
- Once your resume has been approved, you will receive an email stating so. Only then will it be made available to recruiters/employers.
- Interviews begin the week of Labor Day of each year. It is imperative that your approved resume and updated profile be available before August 12th of each year you wish to participate in fall campus recruiting.
- Submitting a resume for an interview DOES NOT guarantee you an interview. Most petroleum companies prescreen resumes. Should you be selected to interview, the Career Center will notify you via email and an interview time will be scheduled. Please know interviews are scheduled on a first come, first served basis. It is YOUR responsibility to contact the Career Center in a timely manner to schedule. Please check your email frequently!
- Career Center policy states failure to show for an interview suspends all interviewing privileges until a letter of explanation is written to the recruiter with a copy of the correspondence given to the Career Center prior to sending.
Should you have questions or concerns, please contact me at the email and/or phone number listed below. We look forward to working with you!
Cindy Rogers – Recruiting Coordinator
Fact Sheets
Fact Sheets for Marietta College Majors


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Police Arrest Leader of Right-Wing 'Lehava' Group for 'Terror'Tuesday, December 16th, 2014
Israeli police Monday night arrested Bentzi Gopstein, chairman of the right-wing Lehava group, and nine other Lehava members in a nighttime raid and charged them with incitement and encouraging violence and terror.
Three members of the group already have been indicted for allegedly setting on fire a Jerusalem school promoting coexistence between Arabs and Jews.
Gopstein lives in Kiryat Arba, adjacent to Hebron, and other Lehava members were arrested in Petach Tikva, Jerusalem and Netivot, in the Western Negev.
Gopstein's lawyer and right-wing activists Itamar Ben-Gvir charged that the police and the office of the Attorney General succumbed to pressure form extreme left-wingers by arresting Gopstein while ignoring complaints about leftists stating that "soldiers should be shot at checkpoints."
Ben-Gvir also told Israel Radio that the Israel Security Agency (Shin Bet) tried to frame Gopstein on phony charges during questioning of the suspected arsonist.
"They told one of the suspects to make a deal and say that Gopstein sent them to set the school on fire, but the suspect replied that Gopstein had nothing to do with the arson and also told his group to work within the law."
Ben-Gvir also complained that if police want to close down Lehava because three of its members committed a crime, the life-wing Hadash party also should be banned because the son of Hadash MK Dov Khenin was arrested for attacking a security guard.
Regardless of discrimination, hard-core nationalists who are not associated with incitement may be pleased that Gopstein has been arrested because Israel's establishment media usually lumps all right-wingers with any extremists.
He appeared recently on a television show with an Arab-Israel journalist who has constantly condemned Hamas and told her she "doesn't belong" in the State of Israel."Tzvi Ben-Gedalyahu


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Snag Some Cash with 100.5 The River's Summer Vacation Fund
What would you do with $10,000?
Would you save it? Spend it on something fun like a fancy vacation? Or spend it on something practical like home improvements?
Start planning because 100.5 The River is giving away cash all this month through its Summer Vacation Fund contest.
Win Trip to See Michael Buble in New York
Michael Buble's To Be Loved tour is making a stop at Madison Square Garden in New York City this summer and we want you to go.
Last Chance: Enter 100.5 The River's Million Dollar Bracket Challenge!
There are three more weeks of major-college basketball tournament games, but just one more day to fill out your entry for 100.5 The River's Million Dollar Bracket Challenge...
Join Million Dollar Bracket Challenge Through 100.5 The River for Chance at $1 Million
The brackets have been set and are now open for 100.5 The River's Million Dollar Bracket Challenge!
So, see if you can pick the winning teams in this year's major college men's basketball tournament that ends in April in Arlington, Texas.
Win a Trip to See Katy Perry Live in New Orleans
Katy Perry is roaring back to the stage in her Prismatic World Tour this year and we want you to go!
Meet Our Latest VIP Winners
Congratulations to the some of the most recent winners in our VIP program!
Win a Trip to Napa Valley for Live In The Vineyard 2014
Wine connoisseurs and music fans alike should be excited to hear that Live in the Vineyard is hosting another star-studded lineup in Napa Valley this spring.
President Obama in State of the Union: 'America Does Not Stand Still'
Declaring 2014 a "year of action" as he unveiled a series of relatively meager executive actions, President Barack Obama vowed in his State of the Union address Tuesday night to sidestep Congress "whenever and wherever" he can in order to push through his agenda.
Win a Trip to see Daughtry in Las Vegas on Valentine's Day!
Like love songs that aren't afraid to rock? Looking for a romantic getaway with a little less candlelight and a little more neon light? Then we've got the rock and roll Valentine's Day getaway for you.
Win a Trip to NYC to See Elton John Live – Just in Time for Christmas!
Now who's the rocket man? (Answer: It's you.) We're flying one person and a friend to NYC to see Elton John rock Madison Square Garden on December 4.
September VIP Winners Announced
Congratulations to the most recent winners in our VIP program!
Your Second Shot at Winning a 'Big Game Getaway' to Any Pro Football Game
Are you a die hard fan who never misses a game? A pro-ball amateur who's never seen the pigskin punished in person? Or somewhere in between?
Whichever you are – we're giving you the chance to see any pro football game you want, in any pro football stadium you want.


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Street Law, Inc.
Rating: 5 stars 1 1 review 634
1010 Wayne Avenue Ste 570 Silver Spring MD 20910 USA
Street Law, Inc. creates classroom and community programs that teach people about law, democracy and human rights, worldwide. Our engaging, practical lessons help people develop the skills they need to improve their lives and strengthen their communities.
Target demographics:
Teachers and educators; lawyers, law students, and judges; law enforcement officers/school resource officers; juvenile justice professionals; NGOs
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Promote This Nonprofit
GreatNonprofits badges allow you to raise awareness of your favorite nonprofits on your own web sites!
Reviews for Street Law, Inc.
I participated in the Supreme Court Summer Institute in June of 2000. I have attended a lot of professional development workshops over the years, and this five day program still ranks as the single greatest experience of professional development.
Unlike many other programs, I was treated as an intelligent professional. I was taught information that I still use in my classroom. And, I was inspired to regularly continue to pursue knowledge about the Supreme Court.
More Feedback
I've personally experienced the results of this organization in...
the increase of knowledge about the Supreme Court which I share with my students.
If I had to make changes to this organization, I would...
require them to allow past participants to attend again! Or, require them to create a similar program based on oral arguments.


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Key things you need to know aboutDr. Overare:
Dr. Overare's Experience
Research training, expertise and qualifications
Dr. Overare's Specialties
- Family Medicine
More About Dr. Overare's Background
Hospital Quality
The right hospital is as important as the right doctor
- Upmc Hamot
- 201 State Street
- Erie, PA 16550
- Saint Vincent Health Center
- 232 West 25th Street
- Erie, PA 16544
9 Facts About Hospital Quality
Patients' risk of dying during a hospital stay for heart bypass surgery could be 87.4% lower, on average, at a hospital rated 5 stars compared to a hospital rated 1 star for that procedure. Choosing the right hospital is critical to your health. View Slideshow
Patient Satisfaction
Patients' feedback on their experience with Dr. Overare
Likelihood of recommending Dr. Overare to family and friends is 2.5 out of 5 5 1 10
See More Survey Results
8 Facts About Patient Satisfaction Surveys
Patient satisfaction surveys provide a standardized way of reporting about healthcare experiences. But there can be more than meets the eye when reviewing scores. Here's what you should know
Appointments & Offices
Check insurance plans, locations and make an appointment
Accepting new patients?
- Yes
- Hillside Family Medicine
- Hillside Family Medicine
- 3530 Peach St
- Erie, PA 16508
- (814) 452-0158
- Directions
- Prepare for Your Appointment
7 Tips to Prepare for Your Appointment
The key to a successful appointment is communication. To get the most out of your visit, prepare ahead of time so you can lead the conversation with your doctor. These 7 tips will get you ready
Oops, you entered a bad link for Dr. Overare!
The link you entered contains bad characters or identifiers. Please enter the link exactly as it appears in your email or text message.
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This confirms that we have received your survey about Dr. Overare. Please note: Your insights will help other patients make informed decisions. Please note: it may take 1 business day for your survey response to appear.
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Our records show that you have already confirmed your survey for Dr. Overare. Please note: it takes 24 hours for your survey results to show up on the doctor's profile.


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Content Tagged with "dirty"
Amber Hahn Strips by the Window
We've never seen so many requests for a new girl in such a short amount of time. Well it turns out she's just as good in video if not better, she just loves to talk dirty.
Panty-less Dirty Talking Taylor's Valentine's Day Gift for You
Now this is a present every guy would love. She does not hold back either. To see the pictures from this shoot, click here.
Zoey Talks Dirty and Strips for You
Zoey keeps things interactive with some dirty talk and a strip tease. Pretty face, cute body and a dirty mind.. sounds like a winning combination!
Dirty Talking Brett Rossi Takes of All her Clothes
She definitely doesn't hold back, both with her words and her actions. Never realized she had such a nice ass before..
Lexi Talks Dirty While Bouncing on an Exercise Ball Nude
Another one of these 'bonus' videos from DownblouseLoving. Oh my, I hope you're sitting down.
Victoria Lawson Talks Dirty; Takes her Clothes Off
This 24 year old from Michigan is definitely not shy if this video is anything to go by.
Megan Wants You to Eat Her - Hottest Video You Will See Today
Megan Salinas is turning into a star and fast! The 19 year old we first featured a few months ago is really on fire now. Those boobs.
Amber Hahn: American Dream Girl
This girl just oozes sex appeal. I don't think I've seen one 'boring' video of her, she really gets into it. We also get to check out her fine ass in this one..
Dirty Lilly's Christmas Strip
You may remember the gallery we posted a few days ago of the Polish beauty doing a Christmas themed strip. Well, this is a video from that shoot.
Dirty Talking Brett Rossi Strips
She does not hold back with the dirty talk. Unfortunately the same can't be said for her stripping as the video ends with her panties still on.
Dirty Answer from Hot Contestant Shocks Family Feud Host!
I'm not going to spoil it but you'll be able to guess as soon as you hear the question. Also, did I mention that Andi is hot?
Sasha Is A Dirty Girl
Sexy Sasha from Foundry Cams has outdone herself in this video. She's decked out in a black shirt (which she quickly loses) and the tiniest pair of black panties.
Dirty Girl Natali Blond
Natali follows Nessa Devil in being naked out in the woods and getting quite dirty too. Unlike Nessa, Natalil has a fairly standard sized torso.
Merry Christmas from Dirty Lilly
Starting today we're featuring Christmas themed galleries, check them out here. In this one Dirty Lilly has borrowed Santa's coat and spreads a little Christmas cheer of her own!
How To: Watch Girls Get Naked on Cam for Free!
Believe it or not there are still people out there who don't know about this, thus this easy guide. If you're not one of them, you can proceed directly to the site by clicking here.


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"Ojai, California" Top 5 Page for this destination Ojai by soozyd
Ojai Travel Guide: 87 reviews and 162 photos
Ojai is a sweet little town less than 15 miles from the Ventura coast. In the summer, it's a dry and HOT HOT HOT little pocket. Here, you won't find a Wild West museum, or a Wal-Mart supercenter, or suburban-housing tracts, or any of the like. I don't even think there's a Starbucks in town, though correct me if I'm wrong....
Ojai is like Santa Fe and Santa Cruz rolled up into one, condensed, and then sauteed with a hint of the more eclectic spices of Southern California. It's a town with its fair share of families, young people and old people, but what you may notice most are the artsy types, the nomadic wanderers, the dreadlocks, the Harley folk and the occasional massive mustache. And everybody that I've come across is friendly, very friendly. This is a place where people say "Good morning!" enthusiastically while looking you in the eye.
Some are drawn to Ojai Valley for its semi-remote beauty, others for its eccentric flavor, and others for its spiritual attractions -- lots of meditation, yoga, a Krishnamurti center, etc. I like it for all of the above, plus it's a really great place for a daytrip or short weekend away from Los Angeles.
Reviews (4)
This is a mandatory stop for us every time we visit Ojai, and on a hot summer day it's the source of all the heaping,... more travel advice
This is Ojai Central - where you can get a good glimpse of the town and its people (those Ojai folk are early birds so... more travel advice
The bad news is that there used to be a really cool little bookstore in this space, and, well, it's no longer here. But... more travel advice
Formerly the Rose Garden Inn, this is a very pleasant little no-frills inn. The rooms may not be anything fancy, but... more travel advice
Comments (1)
A nice little page about a nice little place. But, I guess the people must be quite big, eating that food!
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- Estado de Baja California Sur Intro, 1 review, 4 photos


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Member Directory
Expand your community of allies for powerful global networking.
Love is the only lesson I am here to learn!
Noor Masannat
Hello! My name is Noor Masannat, I am a Jordanian student at Bryn Mawr College in Pennsylvania, United States. I am studying in Political Science and in French and Francophone Studies. My major concentrations and interests are in International Development, Peace Conflict, and Foreign Affairs. I love learning different cultures and travelling around the world!
Cameroonian passionate about strenghtening women. Human right defender and politician
I was born and raised in Cameroon, West Africa but eventually migrated to the U.S where I attended college and obtained degrees in Nursing and Public Health. My childhood memories include images of my parents who were both healthcare professionals providing food, shelter and medical services to those in need.
A Nigerian, dedicated and hardworking mother, who believes in God. Love to inspire breakthrough. Appreciates family values and relationships.
I am a God fearing woman who loves working with people and helping as much as I can.
i am very sensetive
Mayowa Adegbile
I began my career in the social sector as a student in Lagos when I joined junior chamber international, collegiate chapter where i served in various capacities till the highest capacity as the chapter president for 6 years.


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Congress move to corner Big B 'utter hypocrisy': Swamy May 26, 11:33 am
New Delhi, May 26 (ANI): With the Congress dubbing as illegal, unethical and immoral Bollywood megastar Amitabh Bachchan hosting an event to celebrate the NDA regime's two years in office, Bharatiya Janata Party (BJP) leader Subramanian Swamy on Thursday said this reflected the 'utter hypocrisy' of the grand old party as its top brass is presently out on bail following charges of cheating and conspiracy.
New Delhi, May 25 (ANI): The Congress on Wednesday questioned Centre's decision of selecting super star Amitabh Bachchan to host its show marking two years of the NDA government and said the step might send wrong signals to Multi Agency Group (MAG) probing Panama paper leaks.
New Delhi, May 25 (ANI): Amid news that the Central leadership in the Congress had asked its' newly elected MLAs in West Bengal to sign a written declaration on a stamp paper asserting that they would not leave the party, sources said that no such action has been initiated.
New Delhi, May 25 (ANI): The Bharatiya Janata Party (BJP) on Wednesday aimed potshots at the Congress for asking its newly elected MLA's in West Bengal to sign a written declaration on a stamp paper asserting that they would not leave the party.
New Delhi, May 25 (ANI): The Congress today distanced itself from party general secretary Digvijaya Singh's fresh claims on the 2008 Batla House encounter, saying it was not a fake encounter and, therefore, there was no need to sensationalise the same.
New Delhi, May 25 (ANI): Asserting that the exodus of Kashmiri pundits from Jammu and Kashmir is perhaps one of the saddest chapters in post independent history, the Congress on Wednesday said anybody opposing their return to the home soil is perhaps the greatest anti-national act possible.
U.S. Congress alarmed over supply of Chinese nuclear weapons mobility systems to Pakistan May 25, 8:23 am
By Smita Prakash
Batla House fugitive: Congress demands ISIS video verification May 24, 3:19 pm
New Delhi, May 24^ (ANI): With reports claiming that one of the Jihadis featuring in the latest ISIS video is in fact a suspected Indian Mujaheedin (IM) member who had escaped minutes before the raid on Batla House in 2008, the Congress Party on Tuesday said the authenticity of the footage must first be verified before drawing any conclusions.
New Delhi, May 24 (ANI): The Congress Party on Tuesday condemned the recently concluded annual self-defence camp organised by the Bajrang Dal in Uttar Pradesh's Ayodhya city and said it was an attempt by the Bharatiya Janata Party (BJP) to polarize the situation in the state where assembly polls are scheduled to be held next year.
New Delhi, May 23 (ANI): Taking a dig at the party high command over the crushing defeat in the recent assembly elections in Kerala, Assam, West Bengal, Tamil Nadu and Puducherry, Congress Rajya Sabha MP Satyavrat Chaturvedi on Monday sparked off a row by saying that the party does not need cosmetic surgery but 'cardiac surgery' if it nurtures hopes of delivering electoral wins in the future.
'Irrelevant' Congress will be wiped out in 2019 LS polls: Tomar May 23, 11:25 am
New Delhi, May 23 (ANI): With the Congress failing to make any significant mark in the recently concluded assembly polls in four states and one union territory, Union Mines and Steel Minister Narendra Singh Tomar has said the grand old party has gradually become irrelevant to the nation and will be wiped out in the 2019 Lok Sabha elections as well.
Centre should not try oblique methods to topple Rawat: Congress May 22, 3:50 pm
New Delhi, May 22 (ANI): With the CBI asking Harish Rawat to appear before it on May 24 over a probe into an alleged "sting" video, the Congress Party on Sunday said the BJP-led NDA Government should not try oblique and indirect methods to topple a sitting chief minister after having failed to do so during President's rule in Uttarakhand.
NEET ordinance: Congress in tune with President May 22, 11:56 am
New Delhi, May 22 (ANI): The Congress Party on Sunday welcomed President Pranab Mukherjee's decision to legal advice on the ordinance to keep state boards out of the ambit of the National Eligibility-cum-Entrance Test (NEET), saying there are some pertinent issues with regard to the same.
Congress backs Rajan, says India 'going through a bad shape' May 22, 11:44 am
New Delhi, May 22 (ANI): The Congress Party on Sunday backed RBI Governor Raghuram Rajan's assertion that India has done away with the 'licence raj', but 'inspector raj' continues to some extent, saying the country is going through a bad shape due to the new regulations brought by the BJP-led NDA regime.
Congress demands probe over Khadse's links with Dawood May 22, 11:37 am
New Delhi, May 22 (ANI): The Congress Party on Sunday demanded a thorough investigation into allegations that Maharashtra Revenue Minister Eknath Khadse was in touch with fugitive gangster Dawood Ibrahim.
- Betting on Tendulkar's 100th international century crosses Rs.2 billion mark
- 'Gold-obsessed' Aliens using Earth as 'battlefield'
- Smartphone app allows watching football matches minutes after game commencement
- Oz head cricket coach Arthur confident of win over Kiwis, without star players
- Brit women top obesity league in Europe


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Fixed PriceDelivery by June 11, 2013
Hi I'm looking for a cake php developer. Im just a designer
I have a website in cake php that I need some edit done to the website
Basic stuff removing links and moving pages around.. i just want to update it a little.
Change button around
1. Make side navigation
2. Change color
3. Rename some links
Options needed
1. newsletter form to collect emails to database
Top logos Area:
1.Make a place in admin to change top logos
2. Add social icons. facebok, twitter, youtube
Please only apply if you can work in cake php and Finnish in a few hours. I be on skype for any questions until finished and for help.
I have FTP/C-Pannel info so you can get started ASAP
Client Activity on this Job
Last Viewed: 2 years ago
Hired: 1
About the Client
United States
Santa Rosa 08:06 AM
Jobs Posted
10% Hire Rate, 1 Open Job
Total Spent
22 Hires, 0 Active


text: Everytime when I start Microsoft office I am getting Microsoft End User License Agreement. Each appear everytime when I start it. It does not stop or when I click on OK it does not goes at all. The popup is quiet annoying. I need some help here to disable that. My Office application is activated.


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Tutorial - Simple Bento by sake-bentoWatch
©2008-2016 sake-bento
A lot of people have been asking how I pack bento. Well...really I just put lots of food in a box. You kinda get the hang of it after lots of practice. ^_^;; But here's a simple layout you can follow with some ideas for each of the portions. Hopefully this is helpful. ^-^
Awesome! I wanted to start making bento lunches for my wife, this definitely helps! Was a little intimidated by all the fancy references I've seen so far.
Very helpful for someone who is still trying out the basics ( ^///^ )
That's pretty simple for a bento. Nice work.
Oh, yay, now I can make a bento for lunch! Thank you!
This tut makes me hungry o:
There is a step 0 O_o Lol nice tutorial ^__^
Oh gosh xD Stupid me...you already wrote tutorials about bentos That's great^^ Can't wait to see more (and try it myself x3)
Hm... Maybe I will try this?
you've inspired me to start packing bento boxes :3
oooooo~ im hungry now ~.~ mai bento box is coming in next week * is so excited* dude that looks good- i LUV peanut sause X3
Dude, I never thought it was that simple! Still, I'd like a Hello Kitty (Chococat or Badtz-Maru to be precise) Bento box. The shipping is so expensive, though on Ebay.
And Glad/Tupperware boxes look... bad. I'd have to draw on it. And get tupperware that would fit a Dome lunchbox.
And Glad/Tupperware boxes look... bad. I'd have to draw on it. And get tupperware that would fit a Dome lunchbox.
Nice. Very helpful. I think I might attempt packing bentos again. It's been awhile since I've tried =/ Never quite got the hang of it. Ah well.
It takes some getting used to. The first ones I made were pretty embarrassing. XD
Kya~~thanks so much I would love to this x3 and this looks really helpful. May I ask, what is hoisin sauce?
It's a sweet sauce, sometimes called plum sauce (although there's not always plum in it...). You could easily use something like teriyaki sauce for a similar effect.
I'd like to try making a bento based on this tut...
Thanks for making this
Thanks for making this
i tryd packing bento's before but the problem is i rwally like all those japanese food recepies (<-- didnt spell that one good i know) but the rest of my familie only wants to eat it one a month so i have to make several bento's and all different i get stressed out but this is a really great tutorial nice and simple
Well, my favorite part about bento is the fact that it's a great way to get rid of leftovers that are just hanging around. ::nodnod:: If you do that instead you'll have a lot less cooking to worry about.
I know Tamago is egg...but what is Tamagoyaki?
Does it kinda taste like Inari?
very nice. i'll have to keep this in mind when i plan a lunch on the go


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Watch Arrested Development Season 1 Episode 9 online via TV Fanatic with over 7 options to watch the Arrested Development S1E9 full episode. Affiliates with free and paid streaming include Amazon, iTunes, Vudu, YouTube Purchase, Google Play, Hulu Plus, and Amazon Prime.
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Episode Details
Michael aborts his plan to break up Gob and Marta; a thug magician wants to take Gob's "legs;" Maeby wears all leather to revel; Lucille confronts Buster's relationship with Lucille 2.
- Show:
- Arrested Development
- Season:
- Arrested Development Season 1
- Episode Number:
- 9


text:
Original Article
Pharmaceutical Patents and Prices of Generics in Morocco and Neighboring Economies
Version of Record online: 13 MAR 2012
DOI: 10.1111/j.1747-1796.2012.00435.x
© 2012 Blackwell Publishing Ltd
The Journal of World Intellectual Property
Volume 15, Issue 2, pages 103–132, March 2012
Additional Information
How to Cite
Driouchi, A. and Zouag, N. (2012), Pharmaceutical Patents and Prices of Generics in Morocco and Neighboring Economies. The Journal of World Intellectual Property, 15: 103–132. doi: 10.1111/j.1747-1796.2012.00435.x
Publication History
- Issue online: 13 MAR 2012
- Version of Record online: 13 MAR 2012
- Abstract
- Article
- References
- Cited By
- prices;
- patents;
- generics and pharmaceuticals;
- Morocco and neighboring countries
The objective of this paper is to show the importance of generics in relation to the need to enlarge access to pharmaceuticals in Morocco and its neighbor countries. This is achieved through the introduction of a simplified theoretical market structure model with its pricing implications and its empirical application to available data. The attained results show the effective price decrease of generics relative to the originator drug as means to enlarge access to medicines. This is not the only way for ensuring access to pharmaceuticals, as reduction of the prices of the originals is also important. The study recognizes that the monitoring of pharmaceuticals and their generics are crucial institutional regulatory functions that need to be addressed and emphasized.


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Welcome to the mysterious World Of the Occult. Come and journey into an alternate reality which incorporates Magick; Alchemy; The Kabbalah' UFO technology; ET intelligences; The Psychic Senses and Mediumship; the Paranormal Phenomena; Meditation; alternative healing; Visualisations; Shamanism; The Unknown and The Unseen plus all the Conspiracy Theories and Current Affairs.
Monday, 4 February 2013
The Tower
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Atlanta Symphony Orchestra: A Very Merry Holiday Pops
Fri, Dec 20, 2013 8:00 pm
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Scripting in Essentials 101
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December 15th, 2012 (10:42 PM).
PokemonGDX creator
Join Date: Jan 2009
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Posts: 561
When you are using " $Trainer.party[0]", you are referring to the array party, which lies in the Trainer class "I think", remember computers start from 0, not from one. So when you are programming it is important to know that you always start at 0. But lets say you are trying to initialize an array, in lets say java or c++, what you would do is array_name[number of elements]. So for example pokemon[10], you will have 10 elements which can be used to hold a value. But as I said before to get the first value in the array, you would use pokemon[0].
$Trainer.party.length is the size of the array, so as Luka said before is true.
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The -L argument (short for --intervals) enables you to restrict your analysis to specific intervals instead of running over the whole genome. Using this argument can have important consequences for performance and/or results. Here, we present some guidelines for using it appropriately depending on your experimental design.
- Whole genome analysis: no need to include intervals
- Whole exome analysis: you need to provide the list of capture targets (typically genes/exons)
- Small targeted experiment: you need to provide the targeted interval(s)
- Troubleshooting: you can run on a specific interval to test parameters or create a data snippet
Whatever you end up using -L for, keep this in mind: for tools that output a bam or VCF file, the output file will only contain data from the intervals specified by the -L argument. To be clear, we do not recommend using -L with tools that output a bam file since doing so will omit some data from the output.
-L 20 (for chromosome 20 in b37/b39 build)
-L chr20:1-100 (for chromosome 20 positions 1-100 in hg18/hg19 build)
It is not necessary to use -L in whole genome analysis. You should be interested in the whole genome!
Nevertheless, in some cases, you may want to mask out certain contigs (e.g. chrY or non-chromosome contigs) or regions (e.g. centromere). You can do this with -XL, which does the exact opposite of -L; it excludes the provided intervals.
By definition, exome sequencing data doesn't cover the entire genome, so many analyses can be restricted to just the capture targets (genes or exons) to save processing time. There are even some analyses which should be restricted to the capture targets because failing to do so can lead to suboptimal results.
Note that we recommend adding some "padding" to the intervals in order to include the flanking regions (typically ~100 bp). No need to modify your target list; you can have the GATK engine do it for you automatically using the interval padding argument. This is not required, but if you do use it, you should do it consistently at all steps where you use -L.
Below is a step-by-step breakdown of the Best Practices workflow, with a detailed explanation of why -L should or shouldn't be used with each tool.
|Why / why not
|Faster since RTC will only look for regions that need to be realigned within the input interval; no time wasted on the rest.
|IR will only try to realign the regions output from RealignerTargetCreator, so there is nothing to be gained by providing the capture targets.
|This excludes off-target sequences and sequences that may be poorly mapped, which have a higher error rate. Including them could lead to a skewed model and bad recalibration.
|Output is a bam file; using -L would lead to lost data.
|UnifiedGenotyper/Haplotype Caller
|We're only interested in making calls in exome regions; the rest is a waste of time & includes lots of false positives.
|Next steps
|No need since subsequent steps operate on the callset, which was restricted to the exome at the calling step.
The same guidelines as for whole exome analysis apply except you do not run BQSR on small datasets.
You can go crazy with -L while troubleshooting! For example, you can just provide an interval at the command line, and the output file will contain the data from that interval.This is really useful when you're trying to figure out what's going on in a specific interval (e.g. why HaplotypeCaller is not calling your favorite indel) or what would be the effect of changing a parameter (e.g. what happens to your indel call if you increase the value of -minPruning). This is also what you'd use to generate a file snippet to send us as part of a bug report (except that never happens because GATK has no bugs, ever).
We support three types of interval lists, as mentioned here. Interval lists should preferentially be formatted as Picard-style interval lists, with an explicit sequence dictionary, as this prevents accidental misuse (e.g. hg18 intervals on an hg19 file). Note that this file is 1-based, not 0-based (first position in the genome is position 1).
One relatively easy way to combine your intervals is to use the online tool Galaxy, using the
Get Data -> Upload command to upload your intervals, and the
Operate on Genomic Intervals command to compute the intersection or union of your intervals (depending on your needs).
All analyses done with the GATK typically involve several (though not necessarily all) of the following inputs:
This article describes the corresponding file formats that are acceptable for use with the GATK.
The GATK requires the reference sequence in a single reference sequence in FASTA format, with all contigs in the same file. The GATK requires strict adherence to the FASTA standard. All the standard IUPAC bases are accepted, but keep in mind that non-standard bases (i.e. other than ACGT, such as W for example) will be ignored (i.e. those positions in the genome will be skipped).
Some users have reported having issues with reference files that have been stored or modified on Windows filesystems. The issues manifest as "10" characters (corresponding to encoded newlines) inserted in the sequence, which cause the GATK to quit with an error. If you encounter this issue, you will need to re-download a valid master copy of the reference file, or clean it up yourself.
Gzipped fasta files will not work with the GATK, so please make sure to unzip them first. Please see this article for more information on preparing FASTA reference sequences for use with the GATK.
If you are using human data, your reads must be aligned to one of the official b3x (e.g. b36, b37) or hg1x (e.g. hg18, hg19) references. The names and order of the contigs in the reference you used must exactly match that of one of the official references canonical orderings. These are defined by historical karotyping of largest to smallest chromosomes, followed by the X, Y, and MT for the b3x references; the order is thus 1, 2, 3, ..., 10, 11, 12, ... 20, 21, 22, X, Y, MT. The hg1x references differ in that the chromosome names are prefixed with "chr" and chrM appears first instead of last. The GATK will detect misordered contigs (for example, lexicographically sorted) and throw an error. This draconian approach, though unnecessary technically, ensures that all supplementary data provided with the GATK works correctly. You can use ReorderSam to fix a BAM file aligned to a missorted reference sequence.
Our Best Practice recommendation is that you use a standard GATK reference from the GATK resource bundle.
The only input format for sequence reads that the GATK itself supports is the [Sequence Alignment/Map (SAM)] format. See [SAM/BAM] for more details on the SAM/BAM format as well as Samtools and Picard, two complementary sets of utilities for working with SAM/BAM files.
If you don't find the information you need in this section, please see our FAQs on BAM files.
If you are starting out your pipeline with raw reads (typically in FASTQ format) you'll need to make sure that when you map those reads to the reference and produce a BAM file, the resulting BAM file is fully compliant with the GATK requirements. See the Best Practices documentation for detailed instructions on how to do this.
In addition to being in SAM format, we require the following additional constraints in order to use your file with the GATK:
.bam file extension).
Below is an example well-formed SAM field header and fields (with @SQ dictionary truncated to show only the first two chromosomes for brevity):
@HD VN:1.0 GO:none SO:coordinate
@SQ SN:1 LN:249250621 AS:NCBI37 UR:file:/lustre/scratch102/projects/g1k/ref/main_project/human_g1k_v37.fasta M5:1b22b98cdeb4a9304cb5d48026a85128
@SQ SN:2 LN:243199373 AS:NCBI37 UR:file:/lustre/scratch102/projects/g1k/ref/main_project/human_g1k_v37.fasta M5:a0d9851da00400dec1098a9255ac712e
@RG ID:ERR000162 PL:ILLUMINA LB:g1k-sc-NA12776-CEU-1 PI:200 DS:SRP000031 SM:NA12776 CN:SC
@RG ID:ERR000252 PL:ILLUMINA LB:g1k-sc-NA12776-CEU-1 PI:200 DS:SRP000031 SM:NA12776 CN:SC
@RG ID:ERR001684 PL:ILLUMINA LB:g1k-sc-NA12776-CEU-1 PI:200 DS:SRP000031 SM:NA12776 CN:SC
@RG ID:ERR001685 PL:ILLUMINA LB:g1k-sc-NA12776-CEU-1 PI:200 DS:SRP000031 SM:NA12776 CN:SC
@PG ID:GATK TableRecalibration VN:v2.2.16 CL:Covariates=[ReadGroupCovariate, QualityScoreCovariate, DinucCovariate, CycleCovariate], use_original_quals=true, defau
t_read_group=DefaultReadGroup, default_platform=Illumina, force_read_group=null, force_platform=null, solid_recal_mode=SET_Q_ZERO, window_size_nqs=5, homopolymer_nback=7, except on_if_no_tile=false, pQ=5, maxQ=40, smoothing=137 UR:file:/lustre/scratch102/projects/g1k/ref/main_project/human_g1k_v37.fasta M5:b4eb71ee878d3706246b7c1dbef69299
@PG ID:bwa VN:0.5.5
ERR001685.4315085 16 1 9997 25 35M * 0 0 CCGATCTCCCTAACCCTAACCCTAACCCTAACCCT ?8:C7ACAABBCBAAB?CCAABBEBA@ACEBBB@? XT:A:U XN:i:4 X0:i:1 X1:i:0 XM:i:2 XO:i:0 XG:i:0 RG:Z:ERR001685 NM:i:6 MD:Z:0N0N0N0N1A0A28 OQ:Z:>>:>2>>>>>>>>>>>>>>>>>>?>>>>??>???>
ERR001689.1165834 185 1 9997 25 35M = 9997 0 CCGATCTCCCTAACCCTAACCCTAACCCTAACCCT 758A:?>>8?=@@>>?;4<>=??@@==??@?==?8 XT:A:U XN:i:4 SM:i:25 AM:i:0 X0:i:1 X1:i:0 XM:i:2 XO:i:0 XG:i:0 RG:Z:ERR001689 NM:i:6 MD:Z:0N0N0N0N1A0A28 OQ:Z:;74>7><><><>>>>><:<>>>>>>>>>>>>>>>>
The GATK requires that the BAM file be sorted in the same order as the reference. Unfortunately, many BAM files have headers that are sorted in some other order -- lexicographical order is a common alternative. To resort the BAM file please use ReorderSam.
If you don't find the information you need in this section, please see our FAQs on interval lists.
The GATK accept interval files for processing subsets of the genome in Picard-style interval lists. These files typically have an extension such as
'.list' or more explicitly,.interval_list`, and look like this:
@HD VN:1.0 SO:coordinate
@SQ SN:1 LN:249250621 AS:GRCh37 UR:http://www.broadinstitute.org/ftp/pub/seq/references/Homo_sapiens_assembly19.fasta M5:1b22b98cdeb4a9304cb5d48026a85128 SP:Homo Sapiens
@SQ SN:2 LN:243199373 AS:GRCh37 UR:http://www.broadinstitute.org/ftp/pub/seq/references/Homo_sapiens_assembly19.fasta M5:a0d9851da00400dec1098a9255ac712e SP:Homo Sapiens
1 30366 30503 + target_1
1 69089 70010 + target_2
1 367657 368599 + target_3
1 621094 622036 + target_4
1 861320 861395 + target_5
1 865533 865718 + target_6
consisting of aSAM-file-like sequence dictionary (the header), and targets in the form of
<chr> <start> <stop> + <target_name>. These interval lists are tab-delimited. They are also 1-based (first position in the genome is position 1, not position 0). The easiest way to create such a file is to combine your reference file's sequence dictionary (the file stored alongside the reference fasta file with the
.dict extension) and your intervals into one file.
You can also specify a list of intervals formatted as
<chr>:<start>-<stop> (one interval per line). No sequence dictionary is necessary. This file format also uses 1-based coordinates. Note that only the
<chr> part is strictly required; if you just want to specify chromosomes/ contigs as opposed to specific coordinate ranges, you don't need to specify the rest. Both
<chr>:<start>-<stop> and
<chr> can be present in the same file. You can also specify intervals in this format directly at the command line instead of writing them in a file.
Finally, we also accept BED style interval lists. Warning: this file format is 0-based for the start coordinates, so coordinates taken from 1-based formats should be offset by 1.
The GATK can associate arbitrary reference ordered data (ROD) files with named tracks for all tools. Some tools require specific ROD data files for processing, and developers are free to write tools that access arbitrary data sets using the ROD interface. The general ROD system has the following syntax:
-argumentName:name,type file
name is the name in the GATK tool (like "eval" in VariantEval),
type is the type of the file, such as VCF or dbSNP, and
file is the path to the file containing the ROD data.
The GATK supports several common file formats for reading ROD data:
Note that we no longer support the PED format. See here for converting .ped files to VCF.
If you need additional information on VCF files, please see our FAQs on VCF files here and here.
Hi, I have a problem with joint genotpying a large Exome cohort using GATK 3.5. I am trying to call genotypes on the exonic intervals only, but it appears that in a few locations a long deletion spanning outside of the interval results in a reference sequence mismatch, which trips up GenotypeGVCF, leading to an error message as seen below.
Here the relevant region from the interval file, as BED, which I use for the initial HaplotypeCaller in gvcf mode:
chr2 27380091 27380444 chr2 27380460 27380648
Here is the relevant snippet from the single vcf that has the long deletion spanning from the first interval almost up to the second:
chr2 27380323 . A <NON_REF> . . END=27380420 GT:DP:GQ:MIN_DP:PL 0/0:31:60:21:0,60,743 chr2 27380421 . TCCACTGACCCCACCCCCGCTCCTCTCCCCTCAAGG T,<NON_REF> 0 . DP=29;ExcessHet=3.0103;MLEAC=0,0;MLEAF=0.00,0.00;RAW_MQ=104400.00 GT:AD:DP:GQ:PL:SB 0/0:27,0,0:27:79:0,79,6544,81,6546,6548:7,20,0,0 chr2 27380461 . T <NON_REF> . . END=27380461 GT:DP:GQ:MIN_DP:PL 0/0:29:0:29:0,0,595
Since I am calling 18.000 exomes together, I combine them in chunks of 100. The result of CombineGVCF at this region looks like this:
chr2 27380421 . TCCACTGACCCCACCCCCGCTCCTCTCCCCTCAAGG T,<NON_REF> . chr2 27380422 . C *,<NON_REF> . chr2 27380423 . C *,<NON_REF> . chr2 27380424 . A *,<NON_REF> . chr2 27380425 . C *,<NON_REF> . chr2 27380426 . T *,<NON_REF> . chr2 27380427 . G *,<NON_REF> . chr2 27380428 . A *,<NON_REF> . chr2 27380429 . C *,<NON_REF> . chr2 27380430 . C *,<NON_REF> . chr2 27380431 . C *,<NON_REF> . chr2 27380432 . C *,<NON_REF> . chr2 27380433 . A C,*,<NON_REF> . chr2 27380434 . C *,<NON_REF> . chr2 27380435 . C *,<NON_REF> . chr2 27380436 . C *,<NON_REF> . chr2 27380437 . C *,<NON_REF> . chr2 27380438 . C *,<NON_REF> . chr2 27380439 . G C,*,<NON_REF> . chr2 27380440 . C *,<NON_REF> . chr2 27380441 . T C,*,<NON_REF> . chr2 27380442 . C *,<NON_REF> . chr2 27380443 . C *,<NON_REF> . chr2 27380444 . T *,<NON_REF> . chr2 27380460 . T *,<NON_REF> . chr2 27380461 . T <NON_REF> .'
Note the sequence content T at position 27380460. This does not match the actual reference C (second to last base in the call below)
java -jar GenomeAnalysisTK-3.5/GenomeAnalysisTK.jar -R GRCh38/GRCh38.fa -T FastaReferenceMaker -L chr2:27380421-27380461 2> /dev/null \>1 chr2:27380421 TCCACTGACCCCACCCCCGCTCCTCTCCCCTCAAGGCCCCT
This then leads to downstream problems during GenotpyeVCFs which errors out with a message:
ERROR MESSAGE: The provided variant file(s) have inconsistent references for the same position(s) at chr2:27380460, C* vs. T*
This looks to me that the CombineGVCF step somehow mangles the sequence content of the actual deletion into the reference column of the multisample vcf. I have seen this happening at five different occasions in my dataset. Of course I could simply remove those five intervals from my set and be done with it, but I suppose this error will pop up more often with larger datasets, so I am looking for a better solution.
BTW, I noted that the actual deletion is reported with an allele depth of 0 in the initial gvcf ( 0/0:27,0,0). This seems weird to me but I assume that this is just one of the magic tricks that the de-novo assembler in the haplotype caller does. Or maybe that is already the root cause of all this mess.
Thanks for any feedback on this
I'm currently running my first real use of GATK. I was worried about running HaplotypeCaller on whole geneomes given some of the reports I've seen on these forums about how long it can take to run. In contrast, I was pleasantly surprised with the current GATK it is proceeding well (~7 day estimate on dog wgs). But it seems it could be much faster if I divided it up by chromosome with the -L flag.
I see that the advice is to not use the -L flag for whole genome analysis [1]. But the wording in that link seems open: it is not necessary, but if it would help efficiency it might be worthwhile.
I've found a related question on the forums here [2], but it seems the descrepancy discussed in that thread is suspected to be due to downsampling and not actually the result of a chromosome-by-chromosome use of HaplotypeCaller.
Again, I'm content with a ~7 day run time in order to take proper care of our data. I wouldn't want to sacrifice power or accuracy for a shorter runtime, but if there is really no trade-off, a chromosomal approach would be even better. So I'm curious if there is a downside to partitioning the HaplotypeCaller step by chromosome?
[1] http://gatkforums.broadinstitute.org/gatk/discussion/4133/when-should-i-use-l-to-pass-in-a-list-of-intervals [2] http://gatkforums.broadinstitute.org/gatk/discussion/5008/haplotypecaller-on-whole-genome-or-chromosome-by-chromosome-different-results
I hate to put this same error on the GATK forum again, but I went through many of these errors already posted on the forum, but none of the answers shed light on my issue. I have my bam files aligned to GRCh37-lite and am using the same reference genome downloaded from ftp://ftp.ncbi.nih.gov/genbank/genomes/Eukaryotes/vertebrates_mammals/Homo_sapiens/GRCh37/special_requests
I have next performed GATK best practices for pre-processing of these bams using the same ref genome without throwing any error in the process. Currently I'm running MuTect as java -Xmx56g -jar muTect-1.1.4.jar --analysis_type MuTect --reference_sequence ./resources/b37/human_g1k_v37.fasta --cosmic ./resources/Cosmic.b37.vcf --dbsnp ./resources/dbsnp_138.b37.vcf --intervals ./resources/mirna.1.5flank-interval-list.list --input_file:normal $normal.recal_reads.bam --input_file:tumor $tumor.recal_reads.bam --out $sample.call_stats.out --coverage_file $sample.coverage.wig.txt
And getting this error message:
What more tests should I run to troubleshoot this issue? Also, the interval list is what I created from a .bed file. I have restricted my bam files to a limited bed regions using the same file in a command "samtools view -@8 -b -h -L"
Thanks a ton for your help!
Hi, I hope this is a quick question; but does using the 'include intervals' command line option '-L' only include the region specified?
For instance if I have an file that includes reads for chromosomes 1,2,6,X,and Y and I specifiy "-L 6", will the walker only process chromosome 6, or will it include the rest of my data as well?
Thank you for the clarification!
I am running HC3.3-0 with the following options (e.g. GENOTYPE_GIVEN_ALLELES):
$java7 -Djava.io.tmpdir=tmp -Xmx3900m \
-jar $jar \
--analysis_type HaplotypeCaller \
--reference_sequence $ref \
--input_file $BAM \
--intervals $CHROM \
--dbsnp $dbSNP \
--out $out \
-stand_call_conf 0 \
-stand_emit_conf 0 \
-A Coverage -A FisherStrand -A HaplotypeScore -A MappingQualityRankSumTest -A QualByDepth -A RMSMappingQuality -A ReadPosRankSumTest \
-L $allelesVCF \
--interval_set_rule INTERSECTION \
--genotyping_mode GENOTYPE_GIVEN_ALLELES \
--alleles $allelesVCF \
--emitRefConfidence NONE \
--output_mode EMIT_ALL_SITES \
The file $allelesVCF contains these neighbouring SNPs:
I am unable to call these neighbouring SNPs; despite reads being present in the file $BAM, which shouldn't matter anyway. I also tried adding --interval_merging OVERLAPPING_ONLY to the command line, but that didn't solve the problem. What am I doing wrong? I should probably add GATK breaker/misuser to my CV...
Thank you as always.
P.S. The CommandLineGATK documentation does not say, what the default value for --interval_merging is.
P.P.S. Iterative testing a bit slow, because HC always has to do this step:
HCMappingQualityFilter - Filtering out reads with MAPQ < 20
Recently I've been wanting to preform tasks for each interval in a file using the GATK. Are you guys planning to create an IntervalWalker class? (Or is there a workaround?) DiagnoseTargets in gatk-protected seem to work this way, but not in a very straightforward way - also since it's protected I'm not sure how much if any code I could borrow from there.
cheers Daniel
Hi. I ran MuTect using a tumor-normal pair to detect variants from whole genome, and I got 'N' number of rejected variants (R). Then, I reran MuTect using the same tumor-normal pair but on selected intervals defined as follow: one base pair before and after the positions of the rejected variants (R). I thought that the same number of rejected variants (N) will be returned, but the number of rejected variants (based on intervals) increases. Intervals are saved in .bed
Did I do something wrong? Thanks!
p/s: I would like to know the reasons of variants being rejected, but the first iteration was run without enabling the extended output flag. So, to save time, i chose to rerun MuTect only on the sites where rejected variants are detected.
I have a vcf file of indels, and an interval file of single-base positions I am interested in. I would like to select all of the variants in the file that overlap the positions I'm looking at. Using select variants with the interval list I have returns nothing, because the indels are not contained within any intervals. I don't want to just add an arbitrary amount of padding to my intervals because I don't want to include other nearby variants that don't actually overlap my sites.
Is there a way to do this easily in GATK?
Hi team,
This is two separate questions:
Starting with a vcf file, plotting the depth (DP) distribution gives a nice, slightly asymmetrical bell-shaped curve. Given that SNPs with very high and very low coverages should be excluded, how does one decide what is very high and low. e.g. 5% either side ?
Many thanks and apologies if I've missed anything in the instructions.
Is there an existing tool to convert a GATK formatted interval list file (such as the one outputted by FindCoveredIntervals) to a BED file?
Hi there,
this is my interval_list
chr1 762095 762275 LINC00115|NR_024321 chr1 762280 762414 LINC00115|NR_024321 chr1 762420 762565 LINC00115|NR024321 chr1 777259 777349 LOC643837 chr1 777391 777481 LOC643837 chr1 777482 777642 LOC643837_ chr1 783061 783151 LOC643837 chr1 792270 792446 LOC643837 chr1 861266 861496 NM_152486|SAMD11 chr1 865582 865787 NM_152486|SAMD11 chr1 866331 866507 NM_152486|SAMD11
and this is the output from the sample_interval_summary
chr1:762095-762275 ... chr1:762280-762414 ... chr1:762420-762565 ... chr1:777259-777349 ... chr1:783061-783151 ... chr1:792270-792446 ... chr1:861266-861496 ... chr1:865582-865787 ... chr1:866331-866507 ...
why am I missing two exons?
this is my cmd:
java -Xmx32g -jar /local/apps/gatk/2.5-2-gf57256b/GenomeAnalysisTK.jar -I sample.bam -R .../genome.fa -T DepthOfCoverage -o jtn -geneList hg19.tsv -L exons.list --omitDepthOutputAtEachBase --includeDeletions --interval_merging OVERLAPPING_ONLY -l INFO
Thanks for your input!
I am using one of the 1000 Genomes exome data (.bam format) which is called NA12892, aligned to the GRCh37 build. And I just started to use IndelRealigner tool which requires proper .interval_list file to work.
However, I am unable to find/generate *.interval_list file compatible with my data. Where can I download/generate .interval_list (or .bed) file that are compatible with exome data?
Normally, these files are provided by producers for Library Prep. kits (e.g illumina). But, I couldn't find which interval file should be used in 1000 Genomes data.
Thank you.
Hi, I am using FastaAlternateReferenceMaker and have a set of intervals ordered first by chromosome and then by their start positions. I have tried ordering chromosomes alphabetically(chr1, chr10, chr11,..) as well as numerically (chr1, chr2, chr3...) but the output fasta sequence returned is not in the same order as listed in interval file. I find that even the names target_1, target_2 etc are also not used as fasta headers in the output file. I am stuck with mapping the input intervals with the output fasta sequences. Thanks in advance for all the help, Ramya
I got this error message, when trying to use a file to specify at which positions to emit variants:
ERROR MESSAGE: Couldn't read file /lustre/scratch109/sanger/tc9/agv/wgs/pipeline/union4x.positions because The interval file /lustre/scratch109/sanger/tc9/agv/wgs/pipeline/union4x.positions does not have one of the supported extensions (.bed, .list, .picard, .interval_list, or .intervals). Please rename your file with the appropriate extension. Is there a GATK page describing those 5 file formats? Some of them are unknown to me; e.g. .list.
I asked my question here, but please ignore it: http://gatkforums.broadinstitute.org/discussion/2219/l-option
Thanks a lot.
Also, the error message does not mention support for vcf files, but the documentation does. Are vcf files supported?
GATK Queue implements a Scatter/Gather algorithm to create a set of intervals in order to parallelise data alalysis. If -scatter_gather option is issued, a respective number of interval files will be created and the input BAM files will be processed using these intervals. However a question arises what happens if the point of subsequent analysis is at or near the start/end of an interval? Are all the codes which support -l/-L options robust in the respect to interval positions? Since the input files are not actually spliced, all information is available to the processing program which could make the right decisions so that no artefacts are produced. Are there any restrictions on interval creation? Perhaps it should be at least a few read lengths. Anything else? Thanks in advance!
Hello, I want to know how important it is to have the -L target-intervals.intervals option in UnifiedGenotyper, and if it is recommended in VariantCallRecalibrator too.
I have ran the Unified Genotyper tool with 1 input file at a time or the 2 files I want to compare at once. My command-lines are the following:
java -jar -Xmx15g GenomeAnalysisTK.jar -R ./genome.fa -T UnifiedGenotyper -I ./1.bam --dbsnp ./dbsnp_137.hg19.vcf -o ./1-gatk.vcf --min_base_quality_score 25 -stand_call_conf 50 -stand_emit_conf 10 -dcov 200 -L ./intervals-1.intervals
java -jar -Xmx15g GenomeAnalysisTK.jar -R ./genome.fa -T UnifiedGenotyper -I ./2.bam --dbsnp ./dbsnp_137.hg19.vcf -o ./2-gatk.vcf --min_base_quality_score 25 -stand_call_conf 50 -stand_emit_conf 10 -dcov 200 -L ./intervals-2.intervals
java -jar -Xmx15g GenomeAnalysisTK.jar -R ./genome.fa -T UnifiedGenotyper -I ./1.bam -I ./2.bam --dbsnp ./dbsnp_137.hg19.vcf -o ./1vs2-gatk.vcf --min_base_quality_score 25 -stand_call_conf 50 -stand_emit_conf 10 -dcov 200 -L ./intervals-1.intervals -L ./intervals-2.intervals
Thanks, G.


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I read with interest Allen J. Anderson's impassioned Oct. 5 letter, "Right to work is right thing for state," suggesting that Washington's constitution be amended to provide "right-to-work" provisions for companies, permitting them to replace any worker who desires to work for wages and/or benefits higher than those the employer wants to offer. It seems to me that, with any need for collective bargaining removed, the employer could simply post job descriptions, accept closed bids, and hire the lowest bidder for the job. This would be just one more step, along with "corporate personhood," to changing our Constitution to provide for "government of the people, by the companies, for the greedy."
Perhaps we focus too much on the "ills of union representation," while ignoring the votes our elected representatives continue to cast that benefit big business and the 1 percent, and not small (local) business or the other 99 percent.
Russell Williams


text: You are hereHome » Meeting Library » Virtual Meeting » 2013 ASCO Annual Meeting Tailoring Radiation Recommendations Based On Breast Subtype And Other Risk Factors Timothy Joseph Whelan BM, BCh, MSc Optimizing Locoregional Treatment in Early-Stage Breast Cancer Breast Cancer Track More by Timothy Joseph Whelan : Abstracts Recurrence score and clinicopathologic characteristics of TAILORx participants by race and ethnicity. Meeting: 2015 ASCO Annual Meeting | Abstract No: 533 | First Author: Maria M Zlobinsky Rubinstein Category: Breast Cancer—HER2/ER - ER+ The role of PET-CT in treatment decision making for women with locally advanced cervical cancer. Meeting: 2015 ASCO Annual Meeting | Abstract No: 5523 | First Author: Lorraine Margaret Elit Category: Gynecologic Cancer - Other Cancer Evaluation of the adjuvant radiation treatment-effect heterogeneity using genomic signature for locoregional relapse and long-term outcome. Meeting: 2014 ASCO Annual Meeting | Abstract No: 1031 | First Author: Maggie Chon U Cheang Category: Breast Cancer - Triple-Negative/Cytotoxics/Local Therapy - Local Therapy More Presentations NCIC-CTG MA.20: An Intergroup Trial of Regional Nodal Irradiation in Early Breast Cancer Meeting: 2011 ASCO Annual Meeting Abstract No: LBA1003 Session: Breast Cancer - Triple-negative/Cytotoxics/Local Therapy (Oral Abstract Session) Presenter: Timothy Joseph Whelan Radiation Oncology Meeting: 2015 Breast Cancer Symposium Session: Welcome and General Session 1: State-of-the-Art Breast Cancer Care-Past, Present, and Future (General Session) Speaker: Timothy Joseph Whelan More


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Loving the mix of classic lines and intricate patterns in this gorgeous bedroom space. The neutral greys and whites blend so well with the greens and teals and that light is the perfect focal point tying everything together...
Wednesday, February 20, 2013
Bedroom classic...
Posted by Gild and Grace at 8:10 PM
Labels: Bedroom
7 comments:
- Chimmy said...
WOW!!! What a stunning bedroom!
- February 21, 2013 at 10:25 AM
- Vic Bibby said...
Beautiful, love the rug! x
- February 21, 2013 at 11:50 AM
- Claudia and Andrew Lane said...
Stunning image Abbey, I love the colour scheme, very inspirational. Cx
- February 21, 2013 at 1:42 PM
- Marina said...
It looks great!! I would like to have a bedroom like this one :)
- February 22, 2013 at 4:35 AM
- Tania Tdesign said...
Gorgeous, just love grey. Think its such a great base colour and you can always brighten the room with a few little splashes of colour too :)
x Tania
- February 22, 2013 at 10:15 AM
- Amberly said...
That chandelier is stunning! It does work perfectly in this room!
- February 22, 2013 at 6:15 PM
- Selene said...
i need new ideas for my new home!
- February 25, 2013 at 11:52 PM
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More Headlines
Head Coach Spotlight
Mike Bynon was named the head coach of the Coast Guard Academy women's volleyball team on April 20th.
Bynon was an assistant at Williams College for past two seasons as the Ephs posted a record of 55-10 including a record of 24-2 in New England Small College Athletic Confererence (NESCAC) matches and won a pair of NESCAC championships earning back-to-back NCAA tournament berths. The Ephs advanced to the Elite 8 last season and the Sweet 16 in 2013.
A graduate of Carthage College in Kenosha, Wisconsin, Bynon was the libero for a team which made three NCAA Final Four appearances and played in the inaugural NCAA Division III Men's Volleyball Championship Game in 2012.He earned second team AVCA All-America honors in 2012 and is the all-time leader in digs at Carthage.
Upon graduation, he served as a graduate assistant for both the men's and women's teams at his alma mater before moving onto Williams.
He earned a Bachelor of Science degree in Physical Education with a minor in Health and he is currently completing his Master's Degree in Education with a focus on Physical Education and Health at MCLA.


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Education Programs
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New York Hotel Options
Fall weekends in the Finger Lakes region tend to be busy tourist times, so we recommend booking your room as far in advance as possible. The Wells College website has a list of recommended lodging options in Aurora and surrounding communities.
In addition to lodgings in Aurora itself, hotels and inns are also available in Auburn (about a 20-minute drive away), Seneca Falls (about a 30-minute drive) and Ithaca (about 40 minutes away).
The Dream Award
Scholarship America's Dream Award is a renewable scholarship fund targeted toward completion. These annually-increasing awards will be given to students selected from across the nation who are entering their second year of education beyond high school.
2014 Annual Report
In 2014, more than 125,000 students received over $236 million in scholarship support and assistance from Scholarship America – a record-breaking year for the nation's largest provider of private scholarships.
Visit our 2014 annual report to learn more about our successes, our students and our future.
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Scholarship America's blog, Success By Degrees, covers items of interest to parents, volunteers, educators and anyone interested in the big issues surrounding education, financial aid and postsecondary success. You'll find policy announcements, news releases and more, every week!


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We never stop improving and that's why we're successful. See how we're improving facilities, programs, patient safety and patient satisfaction.
We're the most recognized community hospital in the state and it's our people who make us great. See hospital and staff awards.
Winchester Hospital was the first community hospital in the state to achieve Magnet designation, recognition for nursing excellence. Learn why.
Our tremendous staff gives back to our community by coordinating free health screenings, educational programs, and food drives. Learn more.
A leading indicator of our success is the feedback we get from our patients. See what they're saying about their experiences.
Telangiectasias are small blood vessels just below the surface of the skin. The blood vessels are very visible through the skin. They may appear as a single vessel or as many vessels in clusters.
They may also be seen in the mouth or whites of the eyes. The may also be in other locations, such as the brain and the back of the eyes.
Telangiectasias are caused by small blood vessels that are stuck in a wide open position. There is no clear reason for why this happens in many cases.
Some telangiectasias are due to conditions like:
Factors that increase your risk for telangiectasias are based on the underlying condition.
Symptoms may include:
You will be asked about your symptoms and medical history. A physical exam will be done.
Depending on the cause of the lesion, your doctor may take a
of the area. You may be referred to a skin specialist.
Talk with your doctor about the best treatment plan for you. Often, treatment is not needed for the telangiectasias itself. Treatment depends on what is causing the telangiectasias.
Make-up can be used to cover the red patches. Depending on the type and location of telangiectasia, laser therapy or chemicals may be used to destroy the vessels.
There are no current guidelines to prevent telangiectasias.
American Academy of Dermatologyhttp://www.aad.org
Family Doctor—American Academy of Family Physicianshttp://www.familydoctor.org
Canadian Dermatology Associationhttp://www.dermatology.ca
The College of Family Physicians of Canadahttp://www.cfpc.ca
Generalised essential telangiectasia. DermNet NZ website. Available at:
http://dermnetnz.org/vascular/essential-telangiectasia.html. Updated May 19, 2014. Accessed June 8, 2015.
Rosacea. DermNet NZ website. Available at:
http://dermnetnz.org/acne/rosacea.html. Updated May 24, 2015. Accessed June 8, 2015.
Rosacea. EBSCO DynaMed website. Available at:
http://www.ebscohost.com/dynamed. Updated June 8, 2015. Accessed June 8, 2015.
Spider telangiectasias. Boston Children's Hospital website. Available at:
http://www.childrenshospital.org/az/Site2926/mainpageS2926P1.html. Accessed June 8, 2015.
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These brilliant booze carriers are the perfect way to carry alcohol to a party. When I say booze carriers, I don't mean a puny flask; the designs in this list are all about holding six-packs and other beverages in large quantities.
While six-pack cases are fairly sturdy, there are better options out there. Between suitcases designed to carry numerous bottles of liquor and bikes with beer holders, it's become easy to transport a ton of booze to a house party with little or no hassle. Having these items in your possession will have you outdo Duffman in no time.
If you're looking for convenience and portability when it comes to alcohol transport, look no further. Any of these brilliant booze carriers will help you become the party itself.
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By: Matt Ho - Published: Apr 3, 2011


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Quotes & Info
|SLM > SEC Filings for SLM > Form 10-Q on 2-Nov-2012
|All Recent SEC Filings
Quarterly Report
The following discussion and analysis should be read in conjunction with our Consolidated Financial Statements and related Notes included elsewhere in this Quarterly Report on Form 10-Q.
This report contains "forward-looking statements" and information based on management's current expectations as of the date of this document. Statements that are not historical facts, including statements about the Company's beliefs or expectations and statements that assume or are dependent upon future events, are forward-looking statements. Forward-looking statements are subject to risks, uncertainties, assumptions and other factors that may cause actual results to be materially different from those reflected in such forward-looking statements. These factors include, among others, the risks and uncertainties set forth in Item 1A "Risk Factors" and elsewhere in the Company's Annual Report on Form 10-K for the year ended December 31, 2011 (the "2011 Form 10-K"), in the first and second Quarterly Reports on Form 10-Q, this Quarterly Report on Form 10-Q and subsequent filings with the SEC; increases in financing costs; limits on liquidity; increases in costs associated with compliance with laws and regulations; changes in accounting standards and the impact of related changes in significant accounting estimates; any adverse outcomes in any significant litigation to which the Company is a party; credit risk associated with the Company's exposure to third parties, including counterparties to the Company's derivative transactions; and changes in the terms of student loans and the educational credit marketplace (including changes resulting from new laws and the implementation of existing laws). The Company could also be affected by, among other things: changes in its funding costs and availability; reductions to its credit ratings or the credit ratings of the United States of America; failures of its operating systems or infrastructure, including those of third-party vendors; damage to its reputation; failures to successfully implement cost-cutting and restructuring initiatives and adverse effects of such initiatives on its business; changes in the demand for educational financing or in financing preferences of lenders, educational institutions, students and their families; changes in law and regulations with respect to the student lending business and financial institutions generally; increased competition from banks and other consumer lenders; the creditworthiness of its customers; changes in the general interest rate environment, including the rate relationships among relevant money-market instruments and those of its earning assets vs. its funding arrangements; changes in general economic conditions; and changes in the demand for debt management services. The preparation of the Company's consolidated financial statements also requires management to make certain estimates and assumptions including estimates and assumptions about future events. These estimates or assumptions may prove to be incorrect. All forward-looking statements contained in this report are qualified by these cautionary statements and are made only as of the date of this document. The Company does not undertake any obligation to update or revise these forward-looking statements to conform the statement to actual results or changes in its expectations.
Definitions for certain capitalized terms used in this document can be found in the 2011 Form 10-K.
Certain reclassifications have been made to the balances as of and for the three and nine months ended September 30, 2011 to be consistent with classifications adopted for 2012, and had no effect on net income, total assets, or total liabilities.
Through this discussion and analysis, we intend to provide the reader with some narrative context for how our management views our consolidated financial statements, additional context within which to assess our operating results, and information on the quality and variability of our earnings, liquidity and cash flows.
Selected Financial Information and Ratios Three Months Ended Nine Months Ended September 30, September 30, (Dollars and shares in millions, except per share data) 2012 2011 2012 2011 GAAP Basis Net income (loss) attributable to SLM Corporation $ 188 $ (47 ) $ 591 $ 122 Diluted earnings (loss) per common share attributable to SLM Corporation $ .39 $ (.10 ) $ 1.18 $ .21 Weighted average shares used to compute diluted earnings (loss) per share 471 511 490 526 Return on assets .42 % (.10 )% .43 % .09 % "Core Earnings" Basis(1) "Core Earnings" attributable to SLM Corporation $ 277 $ 188 $ 804 $ 708 "Core Earnings" diluted earnings per common share attributable to SLM Corporation $ .58 $ .36 $ 1.61 $ 1.32 Weighted average shares used to compute diluted earnings per share 471 517 490 526 "Core Earnings" return on assets .62 % .39 % .59 % .49 % Other Operating Statistics Ending FFELP Loans, net $ 127,747 $ 140,659 $ 127,747 $ 140,659 Ending Private Education Loans, net 37,101 36,157 37,101 36,157 Ending total student loans, net $ 164,848 $ 176,816 $ 164,848 $ 176,816 Average student loans $ 167,166 $ 178,620 $ 171,499 $ 181,242
(1) "Core Earnings" are non-GAAP financial measures and do not represent a comprehensive basis of accounting. For a greater explanation of "Core Earnings," see the section titled "'Core Earnings' - Definition and Limitations" and subsequent sections.
Our primary business is to originate, service and collect loans we make to students and/or their parents to finance the cost of their education. The core of our marketing strategy is to generate student loan originations by promoting our products on campus through the financial aid office and through direct marketing to students and their families. We also provide servicing, loan default aversion and defaulted loan collection services for loans owned by other institutions, including ED. We also provide processing capabilities to educational institutions, 529 college savings plan program management services and a consumer savings network. In addition, we are the largest holder, servicer and collector of loans made under FFELP, a program that was discontinued in 2010.
We monitor and assess our ongoing operations and results based on the following four reportable segments:
• Consumer Lending Segment - In this segment, we originate, acquire, finance and service Private Education Loans. The Private Education Loans we make are largely to bridge the gap between the cost of higher education and the amount funded through financial aid, federal loans or borrowers' resources. In this segment, we earn net interest income on the Private Education Loan portfolio (after provision for loan losses) as well as servicing fees, which are primarily late fees. As of September 30, 2012 and December 31, 2011, we had $37.1 billion and $36.3 billion, respectively, of Private Education Loans outstanding.
• FFELP Loans Segment - Our FFELP Loans segment consists of our $127.7 billion FFELP Loan portfolio at September 30, 2012 and the underlying debt and capital funding these loans. Because we no longer originate FFELP Loans, the portfolio is in runoff and is expected to amortize over approximately the next 20 years with a weighted average remaining life of 7.7 years.
We actively seek to acquire FFELP Loan portfolios to leverage our servicing scale and expertise to generate incremental earnings and cash flow. Of our total FFELP Loan portfolio at September 30, 2012, 95 percent was funded with non-recourse, long-term debt; 80 percent of our FFELP Loan portfolio being funded to term by securitization trusts, 10 percent funded through the ED Conduit Program which terminates on January 19, 2014, and 5 percent funded in our multi-year ABCP facility. This segment is expected to generate a stable net interest margin and significant amounts of cash as the FFELP Loan portfolio amortizes.
• Other - Our Other segment primarily consists of the financial results related to activities of our holding company, including the repurchase of debt, the corporate liquidity portfolio and all overhead. We also include results from smaller wind-down and discontinued operations within this segment.
Recent Developments
Many aspects of our businesses are subject to federal and state regulation and administrative oversight. This year, as the Consumer Financial Protection Bureau (the "CFPB") becomes fully operationalized and various other regulatory agencies continue developing new rules under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the probability of new or additional regulatory requirements or oversight being applied to our various businesses (most notably, private student lending, default aversion and debt collection) or, generally, to large non-bank financial services companies will likely increase.
CFPB Supervision of Large Debt Collectors
On October 24, 2012, the CFPB issued its final debt collection larger participant rule and examination procedures that will allow the agency to federally supervise larger consumer debt collectors for the first time. The rule defines larger participants as third-party debt collectors, debt buyers, and collection attorneys with more than $10 million in annual receipts resulting from consumer debt collection. Under the rule, certain of our collection subsidiaries would be classified as larger participants. The rule is effective January 2, 2013.
Key Financial Measures
Our operating results are primarily driven by net interest income from our student loan portfolios (which include financing costs), provisions for loan losses, the revenues and expenses generated by our service businesses, and gains and losses on loan sales and debt repurchases. We manage and assess the performance of each business segment separately as each is focused on different customers and each derives its revenue from different activities and services. A brief summary of our key financial measures (net interest income; provisions for loan losses; charge-offs and delinquencies; servicing and contingency revenues; other income (loss); operating expenses; and "Core Earnings") can be found in Item 7 "Management's Discussion and Analysis of Financial Condition and Results of Operations" in our 2011 Form 10-K.
First Nine Months of 2012 Summary of Results
We continue to operate in a challenging macroeconomic environment marked by high unemployment and financial uncertainty which contributes added uncertainty to Private Education Loan repayment and default patterns. Our business has changed significantly over the past two years as we no longer originate FFELP Loans. A detailed discussion of these changes can be found in Item 1 "Business" and in Item 1A "Risk Factors" in our 2011 Form 10-K.
Nonetheless, we were able to achieve significant accomplishments during the third quarter of 2012 as discussed below.
We report financial results on a GAAP basis and also present certain "Core Earnings" performance measures. Our management, equity investors, credit rating agencies and debt capital providers use these "Core Earnings" measures to monitor our business performance. See "'Core Earnings' - Definition and Limitations" for a further discussion and a complete reconciliation between GAAP net income and "Core Earnings."
Third-quarter 2012 GAAP net income was $188 million ($.39 diluted earnings per share), versus a net loss of $(47) million ($(.10) diluted loss per share) in the third-quarter 2011. The changes in GAAP net income are driven by the same types of "Core Earnings" items discussed below as well as changes in "mark-to-market" unrealized gains and losses on derivative contracts and amortization and impairment of goodwill and intangible assets that are recognized in GAAP but not in "Core Earnings" results. Third-quarter 2012 and 2011 GAAP results included losses of $140 million and $371 million, respectively, resulting from derivative accounting treatment which is excluded from "Core Earnings" results.
"Core Earnings" for the quarter were $277 million ($.58 diluted earnings per share), compared with $188 million ($.36 diluted earnings per share) in the year-ago quarter. Earnings improvement was primarily due to a $139 million lower loan loss provision largely attributable to the adoption of new accounting guidance for troubled debt restructurings ("TDRs") in the year-ago quarter. Also, debt repurchase gains were $44 million higher and operating expenses were $41 million lower. Net interest income was $40 million lower primarily due to higher funding costs which were partly due to refinancing debt into longer-term liabilities and lower federally guaranteed student loan balances.
During the first nine months of 2012, we:
• issued $6.9 billion of FFELP asset-backed securities ("ABS"), $3.2 billion of Private Education Loan ABS and $2.65 billion of unsecured bonds;
• repurchased $520 million of debt and realized "Core Earnings" gains of $102 million, compared with $894 million of debt repurchased and $64 million of gains in the first nine months of 2011;
• amended our FFELP asset-backed commercial paper facility to increase the current amount available to $7.5 billion and extended the final maturity date by one year to January 9, 2015;
• repurchased 48.2 million common shares for $730 million on the open market as part of our previously announced share repurchase program authorization of up to $900 million; and
• increased our regular quarterly common stock dividend to $.125 per share, up from $.10 per share in the fourth quarter of 2011. We paid our quarterly dividends on March 16, 2012, June 15, 2012 and September 21, 2012.
2012 Management Objectives
In 2012 we have set out five major goals to create shareholder value. They are:
(1) prudently grow Consumer Lending segment assets and revenue; (2) sustain Business Services segment revenue; (3) maximize cash flows from FFELP Loans;
(4) reduce our operating expenses; and (5) improve our financial strength. Here is how we plan to achieve these objectives and the progress we have made to date:
Prudently Grow Consumer Lending Segment Assets and Revenues
We will continue to pursue managed growth in our Private Education Loan portfolio in 2012, currently targeting at least $3.2 billion in new originations for the year compared to $2.7 billion in 2011. We will also be increasing our efforts to improve our return on these assets. We expect further improvements in our charge-off rates and provision for loan losses as the quality of our Private Education Loans continues to improve. Originations were 25 percent higher in the third quarter of 2012 compared with the year-ago quarter. Charge-offs decreased to 3.23 percent (annualized) of loans in repayment from 3.74 percent in the year-ago quarter. Provisions for loans losses decreased to $252 million in the third quarter of 2012 compared to $384 million in the third quarter of 2011.
Sustain Business Services Segment Revenue
Our Business Services segment generates the vast majority of its revenue from servicing and collecting on our FFELP Loan portfolio and FFELP Loans for others. As a result of the elimination of FFELP in 2010, servicing and collection revenues derived from FFELP-related sources are in decline. In 2012 we will work to offset these declines through two primary means - pursuing additional growth and expansion of our non-FFELP-related servicing and collection businesses and seeking to increase the FFELP-related loan servicing and collection work we do for third parties. In 2012 we are targeting significant growth in the number of customers we service for ED under our ED servicing and collection contracts, as well as in the total assets under management in our 529 college savings plans. We will explore both complementary and diversified strategies to expand demand for our services in and beyond the student loan market. We will also more aggressively seek to leverage our existing FFELP servicing platforms to be able to provide lower cost FFELP servicing to others while increasing segment revenues from these sources. For the nine months ended September 30, 2012, our Business Services segment revenue is down one percent from the year-ago period primarily due to the amortization of our FFELP Loan portfolio. We are continuing our efforts to offset this decline by growing other sources of revenue. Below are examples of growth in other Business Services activities:
• We are currently servicing approximately 4.1 million accounts under the ED Servicing Contract as of September 30, 2012 compared to 3.4 million accounts at September 30, 2011. Market share under the ED Servicing Contract is set annually based on the performance rankings of the four servicing companies that are parties to the contract. For the current contract year ending August 15, 2013, our allocation of new customer loans awarded under the ED Servicing Contract was 15 percent. We must remain focused on improving our performance relative to other servicers to increase our allocation for the next contract year.
• Campus Solutions added 19 new refund disbursement clients in the first nine months of 2012.
• Assets under management in 529 college savings plans totaled $43.1 billion at September 30, 2012 and grew 25 percent over the year-ago quarter.
Maximize Cash Flows from FFELP Loans
In 2012 we will continue to focus on opportunistically purchasing additional FFELP Loan portfolios from other lenders. As cash flows from our existing FFELP Loans decline over coming years, it also becomes increasingly important that we actively manage and continue to reduce operating and overhead costs attributable to the maintenance and management of this segment. Continuing to reduce these operating and overhead costs will also increase net income for our Business Services segment. During the first nine months of 2012, we purchased $3.1 billion of FFELP Loans. We expect to make additional purchases during 2012. These acquisitions helped partially offset the approximately $5 billion of loans that were consolidated to ED in 2012 as part of the Special Direct Consolidation Loan Initiative. See "FFELP Loans Segment" for further discussion regarding the effect of the Special Direct Consolidation Loan Initiative. The Special Direct Consolidation Loan Initiative impact will not be material to future earnings or cash flows. We will continue to actively and aggressively seek to acquire additional portfolios.
Reduce Operating Expenses
We achieved our 2011 management objective of having a quarterly operating expense of $250 million or less in the fourth quarter of 2011. We will remain focused on reducing operating expenses in 2012 and expect to improve on the $1.1 billion of operating expenses incurred in 2011. Third-quarter 2012 operating expenses were $244 million, down from $285 million in the year-ago quarter primarily due to the current-year benefit of the cost-cutting efforts we implemented throughout 2011. For the nine months ended September 30, 2012, our operating expenses were $743 million.
Improve Our Financial Strength
It is management's objective for 2012 to provide increased shareholder distributions while at the same time ending 2012 with a balance sheet and capital position as strong as or stronger than those with which we ended in 2011. We increased our regular quarterly common stock dividends to $0.125 per share in the first, second and third quarters of 2012, up from $0.10 per share for the last three quarters of 2011. During the second quarter of 2012, we authorized an additional $400 million to be utilized in our ongoing share repurchase program; we previously authorized $500 million in January 2012. During the first nine months of 2012, we repurchased 48.2 million shares of common stock at an aggregate price of $730 million. At September 30, 2012, we had $170 million of remaining share repurchase authorization.
We present the results of operations below first on a consolidated basis in accordance with GAAP. Following our discussion of consolidated earnings results on a GAAP basis, we present our results on a segment basis. We have four business segments: FFELP Loans, Consumer Lending, Business Services and Other. Since these segments operate in distinct business environments and we manage and evaluate the financial performance of these segments using non-GAAP financial measures, these segments are presented on a "Core Earnings" basis (see "'Core Earnings' - Definition and Limitations").