text:
This study was supported in part through the US Department of Education Carol M White Physical Education Program grant Q215F041121 to the Cambridge Public School Department.
Is There a Relationship Between Physical Fitness and Academic Achievement? Positive Results From Public School Children in the Northeastern United States
Version of Record online: 19 DEC 2008
DOI: 10.1111/j.1746-1561.2008.00371.x
© 2009, American School Health Association
Journal of School Health
Volume 79, Issue 1, pages 30–37, January 2009
Additional Information
How to Cite
Chomitz, V. R., Slining, M. M., McGowan, R. J., Mitchell, S. E., Dawson, G. F. and Hacker, K. A. (2009), Is There a Relationship Between Physical Fitness and Academic Achievement? Positive Results From Public School Children in the Northeastern United States. Journal of School Health, 79: 30–37. doi: 10.1111/j.1746-1561.2008.00371.x
Publication History
- Issue online: 19 DEC 2008
- Version of Record online: 19 DEC 2008
- Accepted on February 4, 2008
- Abstract
- Article
- References
- Cited By
- physical fitness and sport;
- policy;
- academic achievement
OBJECTIVES: To determine relationships between physical fitness and academic achievement in diverse, urban public school children.
METHODS: This cross-sectional study used public school data from 2004 to 2005. Academic achievement was assessed as a passing score on Massachusetts Comprehensive Assessment System (MCAS) achievement tests in Mathematics (fourth, sixth, and eighth grade, n = 1103) and in English (fourth and seventh grade, n = 744). Fitness achievement was assessed as the number of physical fitness tests passed during physical education (PE). Multivariate logistic regression analyses were conducted to assess the probability of passing the MCAS tests, controlling for students' weight status (BMI z score), ethnicity, gender, grade, and socioeconomic status (school lunch enrollment).
RESULTS: The odds of passing both the MCAS Mathematics test and the MCAS English test increased as the number of fitness tests passed increased (p < .0001 and p < .05, respectively).
CONCLUSIONS: Results show statistically significant relationships between fitness and academic achievement, though the direction of causation is not known. While more research is required, promoting fitness by increasing opportunities for physical activity during PE, recess, and out of school time may support academic achievement.


text:
I'm configuring a shared hosting environment for ASP.NET on IIS. I'm looking for a simple, freeware (possibly not dependent on a database) ASP.NET web application for testing purposes. Could you recommend something?
if your just looking for any old .net application to test your server, there are many avialible, heres just a few of the top of my head:
You can find many simple and free ASP.net applications on codeplex for your test. Here is an example:

subset: commoncrawl


text:
ISO: 700c Wheelset--ideally mid 80's and japanese (ukai, araya, wolbers)
I have front wheel (ukai, shimano 600EX)..
but it's surprisingly difficult finding a rear wheel only for a decent price.
A bunch of random stuff--i've listed it elsewhere on this thread but there is more.
I'm in NYC/Brooklyn..i'd prefer to deal locally.


text:
Anti-fracking forces protest at NC gov't building
RALEIGH, N.C. (AP) — Members of a group opposed to a newly legal form of energy exploration in North Carolina shackled themselves to the doors of a state environment building before leaving peacefully with no arrests.
Seven people associated with Croatan Earth First linked themselves together Monday morning to block the front doors to the new headquarters of the Department of Environment and Natural Resources in Raleigh. Two of them also put bike locks through door handles and around their necks.
A few dozen protesters held banners and chanted their opposition to hydraulic fracturing, or fracking. The Legislature agreed to allow fracking this year but it can't occur until regulations are developed.
State Capitol Police Acting Chief Tony Asion said the protesters unchained themselves shortly after noon after talking to the media.


text:
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Possible Causes For Cerebral sensory cortex lesion - Causes
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- BRAIN LESION, Brain Lesions, CEREBRAL LESION, Cerebral Lesions, Cortex (Somatosensory), Cortex Somatosensory, lesion brain, Lesion of brain, Lesion of brain (finding), primary sensory cortex, somatosensory cortex, somesthetic sensory cortex
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By Mt bike chick
from Hilo Hawaii
About Me Casual/ Recreational
See all my reviews
Comments about OnGuard Akita Key Cable 6 ft x 20mm:
I like the thickness. I use it to lock my bike to the rail of my truck. Thieves would need ten years to cut thru this cable. My 3k bike was stolen from the local mall because I had a weenie cable. This cable is not "weenie".I prefer this one because it doesn't self coil. I have a smaller coiling cable. It is a bit difficult to handle but still pretty worthy all in all.
Bottom Line Yes, I would recommend this to a friend
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One Awesome Lock
By sassyswede
from NC
Excellent quality. We use it on our car bike rack. It would be a little much to carry around with you. This may be the ONLY lock we need to buy...ever, for our car's bike rack.
I would buy this product again and again thank you
By Pete
from Newburyport Ma.
For my bike and nobody will take it the best lock around
Big and heavy
By That weirdo on the bike
from Fresno, CA
About Me Commuter
I use this to lock up my bike at work in a relatively crime-free area. I should have realized before but I was surprised at how thick the cable is, nearly an inch. This probably makes it difficult to cut but also difficult to transport. I've left it attached to the lamp post I lock up to for a few months and despite a little surface rust on the lock mechanism it is in good shape. The lock action is smooth and it holds the key in the lock while open which makes it easier to know that it's locked(the key comes out). Carrying it around is an exercise in frustration due to the weight and inflexibility so I'll be getting another, smaller lock for errands and recreational rides when I only need to leave the bike for an hour or less.
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text: We can't save more lives without your help! Join our team by supporting one of SPCA International's Programs to help animals worldwide. Your contribution will go towards helping animals that are suffering, homeless and in overburdened shelters across the world. Please help now and join us in protecting these helpless animals today. To limit your donation to Operation Baghdad Pups, click here. To limit your donation to Emergency and Shelter Aid, click here. Your gift makes a difference! *Required


text:
The Next Chapter for Aastrom
April 4th, 2013
Our recent decision to implement a strategic change in our R&D programs to focus on the development of ixmyelocel-T for the treatment of dilated cardiomyopathy (DCM) and stop enrollment in the Phase 3 REVIVE trial in critical limb ischemia (CLI) reflects the significant opportunity that we see to treat advanced heart failure caused by DCM and the challenges that we faced in enrolling the REVIVE study in a reasonable timeframe. While we believe that ixmyelocel-T has strong therapeutic potential to treat CLI, based on previous clinical results showing that ixmyelocel-T was efficacious and well-tolerated in this patient population, the decision was based on our need to allocate resources to advance ixmyelocel-T toward commercialization as quickly as possible. We believe that the DCM program represents our best near-term opportunity to accomplish this goal.
Our previous results in DCM —in both preclinical and clinical studies — suggest that our patient-specific multicellular therapy can produce a range of clinical benefits for patients with severe heart failure whose limited treatment options include heart transplantation. Read More…
New Year, New Opportunities at Aastrom
January 1st, 2013
Dear Friends of Aastrom,
As the new interim chief executive officer of Aastrom Biosciences, I am honored to lead the company as we continue to advance the clinical research programs for our lead product candidate, ixmyelocel-T. I believe we have a unique opportunity to improve the lives of people with severe, chronic cardiovascular diseases with ixmyelocel-T, and am very pleased to have the opportunity to bring my experience building successful pharmaceutical brands to this development program as we begin to formulate plans related to commercialization. Since I joined Aastrom in August as chief commercial officer, I have seen firsthand the potential of our technology to treat these diseases and the dedication of our team to bring this promising therapy to patients who may benefit from it. Read More…
Investing in Cell Therapy
September 5th, 2012
Dear Friends of Aastrom,
Discovering, developing and launching new medicines is a challenging enterprise, often requiring more than a decade of pre-clinical and clinical research and an investment in the tens or hundreds of millions of dollars. And the harsh reality is that only about one in ten drugs that reach clinical stage development eventually win FDA approval. Despite these long odds, the biotechnology industry has continued to flourish, even though many traditional sources of capital, such as venture firms, are shrinking and new sources of capital are needed. What does all this mean for the future of cell therapy and companies like Aastrom that are focusing on promising but complex cell therapies?
Many of the risks inherent in drug discovery and development are magnified in cell therapy because the field is relatively young, the science behind it is still emerging and few cell-therapy products have been approved. However, with each clinical and regulatory success, the therapeutic potential of cell therapy becomes more apparent and investor sentiment improves. As a result of recent progress, interest in regenerative medicine is now growing steadily, the number of cell-therapy clinical studies is increasing and capital is flowing toward a few companies with the most promising and late-stage development programs.
Aastrom has benefited from these trends and emerged as a leader in cell therapy because we have focused on compelling applications of our proprietary technology in terms of medical need, clinical rationale and commercial opportunity. Read More…


text:
Wednesday, August 28, 2013
0 Comments | Copyright: IANS
Journalist-columnist Nandita Puri, who filed a police complaint of domestic violence against her husband and actor Om Puri, Wednesday claimed he was lying when he said he was out of town when he allegedly beat her.
"All lies... He is lying and he was in Mumbai. After the incident, he left home and I think he stayed in some hotel. Factually, he is wrong. If you accuse someone, they deny it. He has accused the police force and judicial system. You can check his whereabouts, his phones, airline tickets... everything," Nandita told IANS.
Nandita lodged a complaint against him on Aug 23 at the Versova police station. On Tuesday, Om Puri denied the allegations, saying he was in Kolkata when he was alleged to have beaten her.
She added: "He didn't call me after the incident. He was wrong and he was absconding."
The couple had been facing problems in their relationship since Nandita come out with a biography on her husband - "Unlikely Hero: The Story Of Om Puri" in 2009 highlighting some of his most private sexual incidents.
The revelations in the book had upset the 62-year-old Padma Shri awardee, known for his work in films like "Aakrosh" and "Ardh Satya". He has also entertained viewers with his comic timing in "Hera Pheri".
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text:
This post could probably go under Envy but I wanted to share my experience from my ride last night and turn the question around. We know that some envy us and that shows in their negative attitude towards us. But my question is, do you feel pity for those people?
I don't really dwell too much about the negative attitude some people have towards us, I actually pity them because they don't get to experience the sights and sounds that we do.
Yesterday afternoon I went for a mt. bike ride in a Redwood Forest Park near my house. I went through a section of the park that I hadn't been in before I saw the most majestic Redwood tree. Right next to the Sequoi (damn, no spell checker) was a sign giving a few details about the tree.
The tree was estimated to be 1800 years old, had a diameter of 14 feet at the base and stood 235 feet tall. As I stood there in awe, I actually felt sorry for those people who would make fun of me because I rather be out on my bike instead of laying on the couch in front of the TV. They will never get to experience this wonder of nature.


text:
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A Vermont Bed & BreakfastVery Near Okemo Mountain
Jim and Cathy Kubec, Innkeepers
Our South Central Vermont bed and breakfast is your secret romantic New England hideaway in Vermont's Okemo Valley. The Governor's Inn's luxurious Vermont B&B guestrooms provide all the amenities and comforts you could ask for in Vermont Lodging accommodations between Rutland, VT and Springfield, Vermont.
Top rated in Trip Advisor and BedAndBreakfast.com and mentioned in 1000 Places To Go Before You Die, The Governor's Inn is located just east of the town green in the charming Victorian village of Ludlow, VT, one mile from Okemo Mountain. Once the home of Vermont Governor William W. Stickney, The Governor's Inn's Eastlake Victorian features exude an ambiance of a bygone era - delightful afternoon tea in the parlor with it's extraordinary slate fireplace, guest rooms with romantic gas fireplaces and down comforters, scrumptious breakfast served on antique china. (Gluten Free selections are available.)
Step out our front door and enjoy all the fun offered by Okemo Valley Activities and Attractions from Woodstock, VT to Manchester, VT. In Winter, downhill ski at Okemo Mountain Resort, cross-country ski at Okemo Valley Nordic Center, snowmobile through the Coolidge State Forest. In summer,play golf at Okemo Valley Golf Links or Tater Hill Golf Club, hike a nearby trail, enjoy summer theater, or just explore the Okemo Valley from antiques and crafts to natural science centersVermont made products.
No matter why you came to The Governor's Inn bed and breakfast, you'll know you've chosen the perfect bed and breakfast for all seasons.
Call 1 (802) 228-8830 if you have any questions, or would like to check availability or make a reservation. Or click here to Check Rates and Availability or to reserve online.
We look forward to hosting you at our Vermont luxury inn very soon.
Okemo Vermont / Ludlow Valley Regional Chamber of Commerce: Andover, Cavendish, Chester, Ludlow, Mt.Holly, Plymouth, Weston
The Governor's Inn - 86 Main Street, Ludlow, Vermont 05149 - (802) 228-8830
Lodging :
Room Rates,
Tour Guest Accommodations |
Check Availability |
About the Inn : Breakfast |
Area Attractions :
About Ludlow, Vermont,
The Governor's Inn, a Vermont Bed and Breakfast, very near Okemo Mountain
(802) 228-8830 email@example.com


text:
"I'm a local in Sedalia, MO." Sedalia by Dennis1944
Sedalia Travel Guide: 15 reviews and 30 photos
Sedalia, MO. is a medium size town of about 35,000. It's located in West Central Missouri and has a long rich history. It is also the host of the Missouri State Fair which is held every year from mid to late August. It's history dates back to the cattle drives when Sedalia was a main rail head for which it was famous. The old television program "Raw Hide" where Clint Eastwood started his career always mentioned "The Sedalia Trail".
Speaking of trails the MKT trail, hikeing or bikeing trail, extends for about 200 miles. You can hike or bike from Clinton, MO. to Columbia, MO. You can get on the MKT trail here in Sedalia and go in either direction East or West. This trail goes through some very pretty country side.
The State Fair holds a Pow-Wow once a year and a seperate Black powder Buckskin festival. They also have a Blue Grass festival once a year at the Fair grounds.
Otterville a small town about 10 miles East of Sedalia is where Jessie James and his gang used to jump off a bluff on to passing trains in order to rob them. There is a land mark there telling the whole story.
Whiteman Air Force Base the home of the B2- Stelth Bomber is just about 20 miles West of Sedalia. Usually around the middle of June they have an air show and open house.
Also every year down town at the Scott Joplyn Park they have the Scott Joplyn festival.
There are several land marks to visit such as the Bothwell Lodge. It's located just North of Sedalia on 65 highway, the Scott Joplyn Park, the MKT rail road station and the Bothwell Hotel.
There are plenty of hotels & motels to stay in. if you're hungry you've come to the right spot because ther are plenty of resturants here and one is bound to suit everyone.
Fishing and water fun is just a few miles to the South of Sedalia. Truman resivour is a very good spot to relax and do some fishing. There are beaches and picnic areas plentiful.
So come on visit Sedalia!
- Pros:Lots to do and lots to see.
- Cons:Hot & humid in the summer
- In a nutshell:Small town with plenty
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text:
Few days ago I have purchased a HDD. I have the connected to the SATA connector of my MSI P35 Neo2-Fr motherboard. The drive has a capacity of nearly 500GB and the BIOS showing all the storage as it is. The system now booted in Windows 7. I went to take a look into Device Manager to know how the drive is detected over there. Surprisingly there it shows as Volume0 and disk management showing it as a 460GB HDD.
I dont have any other SATA connectors to check this drive. At first I could able to find a cause because all my motherboard components drivers were up to date. So once again I go through the specs of HDD. It was actually a 4K sector drive and I assume that the issue is due to this reason. What can I do now? Is there any solution?


text:
When is comes to form validation, which is the best method to proceed with? With HTML5, you can validate the e-mail address and telephone number but usually I would do this with PHP, so which method is better? Or should I validate the input in HTML5 and PHP?
Rule of thumb:
Always validate with a server side programming language, additionally you could use a client side validation. The reason for this is that everything can be modified client side and thus bypass any client side validation. It's not even hard and there are a lot of tools available for people to modify the html and/or Javascript to submit whatever they want.
The golden rule is, never trust the user. Expect the worst and prepare for that. You can and should use tools such as firebug or other web developer tools to try things out.
You should do both. HTML5 and/or JavaScript validation on the client-side to save the user a page load, and PHP validation because you can never, ever fully trust the client-side.
I prefer both. It is nice when filling out a form to be notified if something doesn't match. However you can't rely on JS validation as it is easily bypassed so server side is required.
The answer both is correct. Not a preference (as some have stated) but a requirement. All HTML (including HTML5) can be edited directly on your page via the browser. Just like using Firebug to edit this page's title, you can edit the HTML input validators and if they don't have server-side validation, it will accept anything you put in there. Handling validation with HTML5 only is like inviting hackers to corrupt all of your db tables. Do you want that?
I found this last comment on this stupid guy's site as a clear example: http://demosthenes.info/blog/462/Goodbye-JQuery-Validation-HTML5-Form-Errors-With-CSS3
Most of the professional programmers have the approach of validating input fields with server side scripting language. Server side form validation using PHP is better than HTML5 and client side form validations in a number of ways:


text:
Below are answers to common questions regarding Mattamy Athletic Centre.
Where is Mattamy Athletic Centre located?
The Mattamy Athletic is located at the site of the former Maple Leaf Gardens, 50 Carlton St. Toronto, Ontario M5B 1J2
Can I book a room at the Mattamy Athletic Centre?
We have a variety of rooms and spaces that can be rented at our facility. For more information on room bookings, contact Victoria Hay at [email protected] or 416 598 5960.
Am I able to rent court space?
To book time on Coca-Cola Court, contact Lauren Maciborka at [email protected]
Are memberships to the fitness centre available to the public?
Yes - to purchase a membership to our fitness centre, visit the reception desk on the second floor of Mattamy Athletic Centre. For more information on our fitness centre click here or call the reception desk at (416) 979-5339
Can I purchase tickets to an event at the Mattamy Athletic Centre in advance?
Yes, tickets for events at the Mattamy Athletic Centre can be purchased in advance through Ticketmaster;
Is the Mattamy Athletic Centre available to host major events?
Yes, our venue can be booked for large scale events. For more information, contact Stefania Simonetta at [email protected] or call (416) 598-5964
What teams play at the Mattamy Athletic Centre?
Mattamy Athletic Centre is home to the Ryerson Rams. Six Ryerson CIS teams play at the Mattamy Athletic Centre: Men's and Women's Hockey, Basketball and Volleyball, as well as the Ryerson Rams Figure Skating Team. Certain Ryerson Rams intramural sports will also be played out of the Mattamy Athletic Centre.
What type of facilities are available at the Mattamy Athletic Centre?
Mattamy Athletic Centre offers an NHL sized rink with seating for 2,796, a multi-purpose court with seating for 1000+, fitness studios, and a high performance gym, numerous meeting spaces, as well as a lounge/banquet room.
Is there public parking available at the Mattamy Athletic Centre?
A public pay lot is located at the North West corner of the venue
Where is Loblaws located?
Loblaws 60 Carlton is located on the first floor of the Mattamy Athletic Centre at the corner of Church and Carlton. More information on the store can be found at http://loblaws.ca/60carlton/.
Can I book ice time at the Mattamy Athletic Centre?
Yes, we have several ice and gymnasium booking available. Please visit our Venue Rental page for more information, or contact Lauren Maciborka at [email protected] or (416) 598-5972


text:
Legal costs mount for former Taylor Bean CEO
Paul R. Allen wants mortgage company's insurance to cover his bill in lawsuit defense
Published: Wednesday, January 6, 2010 at 6:30 a.m.
Last Modified: Wednesday, January 6, 2010 at 12:12 a.m.
The former CEO of bankrupt Taylor, Bean & Whitaker Mortgage Corp. is turning to the Florida courts to try to force the company's insurer to cover his mounting legal defense costs.
As a former board member, Paul R. Allen faces multiple legal proceedings in the wake of the company's meltdown. These include a debarment action by the U.S. Department of Housing and Urban Development and claims filed by the banking departments of New Jersey, North Carolina and New Hampshire.
In a 20-page complaint filed last month in circuit court, Allen argues that the company's insurer, National Union Fire Insurance Company of Pittsburgh, a subsidiary of AIG Executive Liability Inc., should cover his defense costs, but is "stonewalling" despite repeated requests for payment.
That policy, the complaint alleges, agrees to advance defense costs "for any actual or alleged Wrongful Act" leveled against insured individuals "in their respective capacities as Directors, Officers or Employees of the Company."
First brought onto the Ocala-based company in 2003, Allen was one of four executives, including Chairman Lee Farkas, who resigned from the board of directors in early August 2009. This occurred when Taylor Bean, once the nation's 12th-largest mortgage lender, was raided by federal regulators and ceased its lending operations after being barred from the Federal Housing Administration from underwriting any FHA-insured mortgages.
The Government National Mortgage Association also barred the company from issuing mortgage-backed securities.
The company declared Chapter 11 bankruptcy later that month, sending its nearly 2,000 employees into unemployment.
Allen, the sole plaintiff in this lawsuit, now resides in Virginia. He is represented by a litigation boutique firm based in Washington. Attorneys from that firm have asked the court for a declaration that Allen's defense costs - of unknown quantity - be "paid promptly" by National Union.
"Mr. Allen has a bona fide, actual, present and practical need for this declaration in light of the fact that defendants' actions are currently forcing Mr. Allen to fund his own defense despite the fact that he is entitled to a defense under the Policy," states the complaint.
Allen's attorneys did not return calls for comment.
AIG, National Union, and a third named defendant - Chartis Property and Casualty Company, an agent of National Union - have not yet filed a response to the lawsuit. A spokesman from AIG declined to comment.
Allen's attorneys contend that they first reached out to National Union agents in mid-August, even before the company declared bankruptcy, to inform them matters were moving "very rapidly" and advance payment was needed.
By early September, with no word returned from the insurer, Allen's attorneys included invoices for the defense expenses incurred and in a letter, wrote to an agent, "this is a very fast-moving matter and time is of the essence."
The lawsuit claims that on Oct. 9, Allen received a letter advising him that National Union accepted that the HUD action against him "satisfied the definition of a claim as defined by the Policy."
According to the letter, that policy limit was $5 million, "for all Loss combined including Defense Costs and a $500,000 retention."
Allen argues that even despite this acknowledgement from the insurance agent that at least the U.S. HUD action constituted a covered claim, the defendants have refused to advance his costs.
"National Union has refused to pay the reasonable and necessary costs ... purportedly because those costs are subject to a $500,000 uninsured retention under the Policy," the complaint states.
Allen argues no retention applies to his claim for defense costs because Taylor Bean "has not indemnified him for those costs and is not able to do so."
In addition to seeking a declaratory judgment, the complaint alleges breach of contract by the named defendants for failing to reasonably investigate the claim, promptly communicate with Allen, and promptly advance his defense costs.
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Continuum Wedding PhotographyShared publicly -
Hey we are officially on Google +! Thought I'd kick off our new + status with a link to today's blog post featuring our winner from our engagement session contest from last Sunday.
We've selected a winner for our engagement session winner from the Kiss the Brides Expo!
Add a comment...


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Quotes & Info
|AJG > SEC Filings for AJG > Form 10-Q on 31-Oct-2012
|All Recent SEC Filings
Quarterly Report
The discussion and analysis that follows relates to our financial condition and results of operations for the three-month and nine-month periods ended September 30, 2012. Readers should review this information in conjunction with the unaudited consolidated financial statements and notes included in Item 1 of Part I of this quarterly report on Form 10-Q and the audited consolidated financial statements and notes, and Management's Discussion and Analysis of Financial Condition and Results of Operations, contained in our annual report on Form 10-K for the year ending December 31, 2011.
Information Concerning Forward-Looking Statements
This quarterly report contains forward-looking statements as defined in the
Private Securities Litigation Reform Act of 1995 (which we refer to as the
PSLRA) found at Section 27A of the Securities Act of 1933, as amended, and
Section 21E of the Securities Exchange Act of 1934, as amended (which we refer to as the Exchange Act). Statements contained in this report that are not historical facts are forward-looking statements made pursuant to the safe harbor provisions of the PSLRA and the Exchange Act.
Forward-looking statements may include, but are not limited to, discussions concerning liquidity and capital resources, acquisition strategy, revenues, expenses, earnings, cash flow, capital structure and financial losses, as well as market and industry conditions, premium rates, financial markets, interest rates, foreign exchange rates, contingencies and matters relating to our operations and income taxes (including expectations regarding our clean energy investments). In addition, when used in this report, the words "anticipates," "believes," "could," "should," "estimates," "contemplates," "expects," "intends," "plans" and variations thereof and similar expressions are intended to identify forward-looking statements.
Forward-looking statements made by us or on our behalf are subject to risks and uncertainties that could cause our actual results to be materially different than those expressed in our forward-looking statements, including but not limited to the following:
• Our revenues, which consist primarily of commissions and fees based on insurance premiums, may vary significantly from period to period as a result of the volatility and cyclical nature of insurance premiums;
• The recent recession and the current or any future economic downturn could adversely affect our business in a number of ways, including by causing our clients to purchase less insurance coverage, by leading to a continued reduction in the number of claims we process or by causing insurance companies with which we do business to experience liquidity problems and withdraw from writing certain coverages, or fail;
• Our ability to grow has been enhanced through acquisitions, which may or may not be available on acceptable terms in the future and which, if consummated, may or may not be advantageous to us;
• Our growing international operations expose us to certain risks such as exchange rate fluctuations, geopolitical risk, and risks related to regulatory requirements, including those imposed by the U.S. Foreign Corrupt Practices Act and the U.K. Bribery Act 2010;
• We are subject to regulation worldwide including insurance industry and federal and state employment regulation, and such regulations could change at any time;
• We are subject to a number of contingencies and legal proceedings that would adversely affect our results, if ultimately determined to be unfavorable to us;
• The portion of our revenues consisting of contingent and supplemental commissions is less predictable than standard commissions, and our results could be adversely affected if we are unable to meet insurance companies' thresholds for paying these types of commissions, or for contingent commissions, if insurance companies increase their estimates of loss reserves (over which we have no control);
• An inability to recruit and retain key personnel (including those that manage our interests in our clean energy investments), or a failure in succession planning for key members of management, could adversely affect our operations;
• Rising employee benefits costs (including pension expense) could reduce our profitability;
• Our IRC Section 45-related investments could subject us to environmental and product liability claims and environmental compliance costs;
• We have direct exposure and may incur significant obligations under tax indemnity agreements relating to historically claimed tax credits under IRC Section 29;
• Improper disclosure or theft of our clients' confidential information and the personal data of their employees as a result of a cybersecurity incident or otherwise, could result in legal liability or harm our reputation;
• Our debt agreements contain restrictions and covenants that could significantly impact our ability to operate our business;
• Changes in our accounting estimates and assumptions could adversely affect our financial position and operating results;
• Our success could be compromised if we are unable to keep pace with new technological developments and implement technology solutions for our clients and for internal efficiency purposes; and
• A disaster or significant disruption to business continuity could have a material adverse effect on our operations.
The foregoing and other risks and uncertainties are described in more detail in Item 1A, "Risk Factors," in our Annual Report on Form 10-K for the year ended December 31, 2011.
Readers are cautioned not to place undue reliance on any forward-looking statements contained in this report, which speak only as of the date set forth on the signature page of this report. We undertake no obligation to publicly release the result of any revisions to these forward-looking statements that may be made to reflect events or circumstances after such date or to reflect the occurrence of anticipated or unanticipated events.
Information Regarding Non-GAAP Measures and Other
In this discussion and analysis, we provide information regarding EBITDAC, EBITDAC margin, adjusted EBITDAC, adjusted EBITDAC margin, adjusted EBITDAC margin excluding Heath Lambert, diluted net earnings per share (as adjusted), organic revenue measures for each operating segment, adjusted revenues, adjusted compensation and operating expenses, adjusted compensation expense ratio and adjusted operating expense ratio. These measures are not in accordance with, or an alternative to, the GAAP information provided in this quarterly report on Form 10-Q. We believe that these presentations provide useful information to management, analysts and investors regarding financial and business trends relating to our results of operations and financial condition. Our industry peers provide similar supplemental non-GAAP information related to organic revenues and EBITDAC, although they may not use the same or comparable terminology and may not make identical adjustments. The non-GAAP information we provide should be used in addition to, but not as a substitute for, the GAAP information provided. Certain reclassifications have been made to the prior year amounts reported in this quarterly report on Form 10-Q in order to conform them to the current-year presentation.
Adjusted presentation - We believe that the adjusted presentations of the 2012 and 2011 information presented on the following pages provides stockholders and other interested persons with useful information regarding certain financial metrics of the company that will assist such persons in analyzing our operating results as they develop a future earnings outlook for us. The after-tax amounts related to the adjustments were computed using the normalized effective tax rate for each respective period.
• Adjusted revenues, expenses and net earnings - We define these measures as revenues, compensation expense and operating expense, respectively, each adjusted to exclude net gains realized from sales of books of business, New Zealand earthquake claims administration, workforce related charges, lease termination related charges and acquisition related integration costs, as applicable. Acquisition related integration costs include costs related to transactions not expected to occur on an ongoing basis in the future once we fully assimilate the applicable acquisition. These costs are typically associated with redundant workforce, extra lease space, duplicate services and external costs incurred to assimilate the acquired business with our IT related systems.
Earnings Measures - We believe that the presentation of EBITDAC, EBITDAC margin, adjusted EBITDAC, adjusted EBITDAC margin, adjusted EBITDAC margin excluding Heath Lambert and diluted net earnings per share (as adjusted), provides a meaningful representation of our operating performance. We consider EBITDAC and EBITDAC margin as a way to measure financial performance on an ongoing basis. Adjusted EBITDAC, adjusted EBITDAC margin, adjusted EBITDAC margin excluding Heath Lambert and diluted net earnings per share (as adjusted), are presented to improve the comparability of our results between periods by eliminating the impact of the items that have a high degree of variability.
• EBITDAC - We define this measure as net earnings before interest, income taxes, depreciation, amortization and the change in estimated acquisition earnout payables.
• EBITDAC margin - We define this measure as EBITDAC divided by total revenues.
• Adjusted EBITDAC - We define this measure as EBITDAC adjusted to exclude net gains realized from sales of books of business, earnout related compensation charges, workforce related charges, lease termination related charges and acquisition related integration costs, as applicable.
• Adjusted EBITDAC margin - We define this measure as adjusted EBITDAC divided by total revenues, as adjusted to exclude net gains realized from sales of books of business and New Zealand earthquake claims administration.
• Adjusted EBITDAC margin excluding Heath Lambert - We define this measure as adjusted EBITDAC further adjusted to exclude the EBITDAC associated with the acquired Heath Lambert operations divided by total revenues, as adjusted to exclude net gains realized from sales of books of business, New Zealand earthquake claims administration, supplemental commission timing amounts and the revenues associated with the acquired Heath Lambert operations.
• Diluted net earnings per share (as adjusted) - We define this measure as net earnings adjusted to exclude the after-tax impact of net gains realized from sales of books of business, New Zealand earthquake claims administration, workforce related charges, lease termination related charges, acquisition related integration costs, adjustments to the change in estimated acquisition earnout payables and effective income tax rate impact, divided by diluted weighted average shares outstanding. The effective income tax rate impact represents the difference in income tax expense for tax amounts derived using the actual effective tax rate compared to tax amounts derived using a normalized effective tax rate.
Organic Revenues - Organic change in commission and fee revenues excludes the first twelve months of net commission and fee revenues generated from acquisitions accounted for as purchases and the net commission and fee revenues related to operations disposed of in each year presented. These commissions and fees are excluded from organic revenues in order to help interested persons analyze the revenue growth associated with the operations that were a part of our business in both the current and prior year. In addition, change in organic revenues excludes the impact of supplemental and contingent commission revenues and the period-over-period impact of foreign currency translation. The amounts excluded with respect to foreign currency translation are calculated by applying current year foreign exchange rates to the same prior year periods. For the risk management segment, organic change in base domestic and international fees excludes international performance bonus fees and New Zealand earthquake claims administration, to improve the comparability of our results between periods by eliminating the impact of the items that have a high degree of variability or due to the limited-time nature of these revenue sources.
Reconciliation of Non-GAAP Information Presented to GAAP Measures - This quarterly report on Form 10-Q includes tabular reconciliations to the most comparable GAAP measures for adjusted revenues, adjusted compensation expense and operating expense, EBITDAC, EBITDAC margin, adjusted EBITDAC, adjusted EBITDAC margin, adjusted EBITDAC margin excluding Heath Lambert, diluted net earnings per share (as adjusted) and organic revenue measures.
Other Information - Allocations of investment income and certain expenses are based on reasonable assumptions and estimates primarily using revenue, headcount and other information. We allocate the provision for income taxes to the brokerage and risk management segments as if those segments were computing income tax provisions on a separate company basis. As a result, the provision for income taxes for the corporate segment reflects the entire benefit to us of the IRC Section 45 credits generated in 2012, because that is the segment which produced the
credits. The law that provides for IRC Section 45 credits expires on December 31, 2019 and 2021 for different portions of our related investments. We anticipate reporting an effective tax rate of approximately 38.0% to 40.0% in both our brokerage and risk management segments for the foreseeable future. Reported operating results by segment would change if different allocation methods were applied.
Overview and Third Quarter 2012 Highlights
We are engaged in providing insurance brokerage and third-party property/casualty claims settlement and administration services to entities in the U.S. and abroad. Throughout 2012, we have expanded and expect to continue to expand our international operations through both acquisitions and organic growth. We generate approximately 80% of our revenues domestically, with the remaining 20% derived in Australia, Bermuda, Canada, New Zealand and the U.K. (based on third quarter 2012 reported revenues). We expect that our international revenue will continue to grow as a percentage of our total revenues in 2012 compared to 2011. We have three reportable segments: brokerage, risk management and corporate, which contributed approximately 72%, 23% and 5%, respectively, to revenues during the nine-month period ended September 30, 2012. Our major sources of operating revenues are commissions, fees and supplemental and contingent commissions from brokerage operations and fees from risk management operations. Investment income is generated from our investment portfolio, which includes invested cash and fiduciary funds, as well as clean energy and other investments.
We have generated positive organic growth in the last seven quarterly periods in both the brokerage and risk management segments. Based on our experience with customers, we are seeing further evidence of market firming and our customers' businesses are showing growth. The first quarter 2012 Council of Insurance Agents and Brokers (which we refer to as CIAB) survey indicated that rates were up, on average 4.4% across all sized accounts. The second quarter 2012 CIAB report indicated that rates were up, on average 4.3% across all sized accounts. The third quarter 2012 CIAB report was not published as of the filing date of this report, but we anticipate similar rate trends in third quarter 2012 as those of the first and second quarters of 2012. If the third quarter report does show a similar trend, it will be the fifth quarterly survey in a row showing rate increases. Rates are continuing to rise as insurance carriers tighten their underwriting standards. However, the demand for insurance continues to be restrained due to the sluggish economic recovery, which could offset the favorable pricing trend. The CIAB represents the leading domestic and international insurance brokers, who write approximately 80% of the commercial property/casualty premiums in the U.S.
Our operating results improved in third quarter 2012 compared to the same period in 2011 in both our brokerage and risk management segments:
• In our brokerage segment, total revenues and adjusted total revenues were both up 14%, base organic commission and fee revenues were up 4%, net earnings were up 7% and adjusted EBITDAC was up 20%. In addition, we completed eleven acquisitions with annualized revenues totaling $56.6 million in third quarter 2012.
• In our risk management segment, total revenues and adjusted total revenues were up 2% and 5%, respectively, base organic fees were up 5%, net earnings were up 34% and adjusted EBITDAC was up 6%.
• In our combined brokerage and risk management segments, total revenues and adjusted total revenues were up 11% and 12%, respectively, organic growth in base commissions and fee revenues was 4%, net earnings were up 11% and adjusted EBITDAC was up 18%.
In our corporate segment, our clean energy investments contributed $11.0 million to net earnings in the third quarter of 2012.
The following provides non-GAAP information that management believes is helpful when comparing 2012 revenues, EBITDAC and diluted net earnings (loss) per share with the same periods in 2011:
For the Three-Month Periods Ended September 30, Diluted Net Earnings Revenues EBITDAC (Loss) Per Share Segment 2012 2011 Chg 2012 2011 Chg 2012 2011 Chg (in millions) (in millions) Brokerage, as adjusted $ 479.0 $ 421.1 14 % $ 122.0 $ 101.3 20 % $ 0.43 $ 0.40 8 % Net gains on book sales 0.7 0.8 0.7 0.8 - - Heath Lambert integration costs - - (4.2 ) (5.5 ) (0.02 ) (0.03 ) Workforce & lease termination - - (1.1 ) (0.3 ) (0.01 ) - Acquisition related adjustments - - - (0.6 ) - 0.03 Effective income tax rate impact - - - - - 0.01 Brokerage, as reported 479.7 421.9 117.4 95.7 0.40 0.41 Risk Management, as adjusted 140.3 133.2 5 % 22.6 21.4 6 % 0.09 0.09 - % New Zealand earthquake claims administration 1.9 5.8 0.3 1.4 - 0.01 GAB Robins integration costs - - - (4.1 ) - (0.02 ) Workforce & lease termination - - (0.1 ) (1.0 ) - (0.01 ) Risk Management, as reported 142.2 139.0 22.8 17.7 0.09 0.07 Total Brokerage & Risk Management, as reported 621.9 560.9 140.2 113.4 0.49 0.48 Corporate, as reported 28.5 1.9 (13.0 ) (7.0 ) 0.01 (0.07 ) Total Company, as reported $ 650.4 $ 562.8 $ 127.2 $ 106.4 $ 0.50 $ 0.41 Total Brokerage & Risk Management, as adjusted $ 619.3 $ 554.3 12 % $ 144.6 $ 122.7 18 % $ 0.52 $ 0.49 6 % For the Nine-Month Periods Ended September 30, Diluted Net Earnings Revenues EBITDAC (Loss) Per Share Segment 2012 2011 Chg 2012 2011 Chg 2012 2011 Chg (in millions) (in millions) Brokerage, as adjusted $ 1,337.1 $ 1,138.7 17 % $ 309.8 $ 253.9 22 % $ 1.07 $ 0.97 10 % Net gains on book sales 1.4 4.4 1.4 4.4 0.01 0.02 Heath Lambert integration costs - - (12.3 ) (8.5 ) (0.06 ) (0.04 ) Workforce & lease termination - - (4.7 ) (2.2 ) (0.02 ) (0.01 ) Acquisition related adjustments - - - (6.4 ) 0.03 0.03 Brokerage, as reported 1,338.5 1,143.1 294.2 241.2 1.03 0.97 Risk Management, as adjusted 419.3 389.6 8 % 67.3 59.8 13 % 0.27 0.26 4 % New Zealand earthquake claims administration 7.6 13.5 1.5 3.6 0.01 0.02 GAB Robins integration costs - - - (11.3 ) - (0.06 ) Workforce & lease termination - - (0.1 ) (5.2 ) - (0.03 ) Risk Management, as reported 426.9 403.1 68.7 46.9 0.28 0.19 Total Brokerage & Risk Management, as reported 1,765.4 1,546.2 362.9 288.1 1.31 1.16 Corporate, as reported 81.7 10.1 (26.2 ) (22.0 ) 0.02 (0.23 ) Total Company, as reported $ 1,847.1 $ 1,556.3 $ 336.7 $ 266.1 $ 1.33 $ 0.93 Total Brokerage & Risk Management, as adjusted $ 1,756.4 $ 1,528.3 15 % $ 377.1 $ 313.7 20 % $ 1.34 $ 1.23 9 %
Results of Operations
The brokerage segment accounted for 72% of our revenue during the nine-month period ended September 30, 2012. Our brokerage segment is primarily comprised of retail and wholesale brokerage operations. Our retail brokerage operations negotiate and place property/casualty, employer-provided health and welfare insurance and retirement solutions, principally for middle-market commercial, industrial, public entity, religious and not-for-profit entities. Many of our retail brokerage customers choose to place their insurance with insurance underwriters, while others choose to use alternative vehicles such as self-insurance pools, risk retention groups or captive insurance companies. Our wholesale brokerage operations assist our brokers and other unaffiliated brokers and agents in the placement of specialized, unique and hard-to-place insurance programs.
Our primary sources of compensation for our retail brokerage services are commissions paid by insurance companies, which are usually based upon a percentage of the premium paid by insureds, and brokerage and advisory fees paid directly by our clients. For wholesale brokerage services, we generally receive a share of the commission paid to the retail broker from the insurer. Commission rates are dependent on a number of factors, including the type of insurance, the particular insurance company underwriting the policy and whether we act as a retail or wholesale broker. Advisory fees are dependent on the extent and value of services we provide. In addition, under certain circumstances, both retail brokerage and wholesale brokerage services receive supplemental and contingent commissions. A supplemental commission is a commission paid by an insurance carrier that is above the base commissions paid, is determined by the insurance carrier and is established annually in advance of the contractual period based on historical performance criteria. A contingent commission is a commission paid by an insurance carrier based on the overall profit and/or volume of the business placed with that insurance carrier during a particular calendar year and is determined after the contractual period.
Financial information relating to our brokerage segment results for the three-month and nine-month periods ended September 30, 2012 as compared to the same periods in 2011, is as follows: (in millions, except per share, percentages and workforce data):


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- CambodiaAgricultureFunding via KREDIT Microfinance Institution Plc.
Ky GroupCambodiaAgricultureFunding via KREDIT Microfinance Institution Plc.
Srey's GroupCambodiaAgricultureFunding via VisionFund Cambodia
Sokhorn's Group
To make a living, Sokhorn operates a business, selling noodle with soup, which is known as Kuyteav in Cambodia. Sokhorn's husband supplements their income by raising pigs. This industrious couple earns around 60,000 KHR per day and saves approximately 28,000 KHR after offsetting the daily cost of living.
Sokhorn has been with VisionFund, Kiva's partner, for four loan cycles. With her previous loans, she succeeded in increasing her working capital and meeting her family's food needs. Now, to support her husband's pig-raising business, Sokhorn is leading a group with one other member who has been with VisionFund for just one loan cycle to take out a new loan in the amount of 1,200,000 KHR in total. Sokhorn will spend her portion of the loan to buy pig feed. She hopes to earn more income from the pig-raising business and better support her family after receiving the loan and effectively using it.
Additional Information
About VisionFund CambodiaVisionFund Cambodia is a Christian organization and microfinance institution that provides small loans and other financial services to improve the lives of children, empower poor women and their families, and grow successful businesses. The organization works primarily in rural parts of Cambodia and has distinguished itself by targeting the very poor who require smaller loan sizes, regardless of religious beliefs, gender or ethnic background.
Kiva lenders' funds will help the organization to expand into the northeastern provinces of the country, which have historically been underserved and difficult to reach with financial services.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Cambodia
92View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Irregularly
- Pre-Disbursed:
- Nov 16, 2012
- Listed
- Jan 1, 2013
- Currency Exchange Loss:
- Possible
- Ended:
- Oct 17, 2013


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Police say the investigation was stalled until the federal government could produce the cashed check.
Back in December the elderly woman was lying in her own feces on the floor of her bathroom. Police say Hodges, who was hired as the woman's caregiver, had refused to come help the elderly woman to the bathroom, and left her there for over an hour.


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Gulfstream: Record $1.2B in Wagering in 2014
Gulfstream Park said Jan. 1 its total pari-mutuel handle on live racing in 2014 was a record $1.2 billion for one year.
Gulfstream Park said Jan. 1 its total pari-mutuel handle on live racing in 2014 was a record $1.2 billion for one year.
Hawthorne Race Course reported increases in average daily pari-mutuel handle for its 2014 fall/winter meet, which ended Dec. 31.
Hollywood Gaming at Mahoning Valley Race Course ended its inaugural meet Dec. 30 with record total pari-mutuel handle of $1,102,566.
A war of words in a dispute between two cooperatives that negotiate simulcast fees continued Dec. 8 when the MidAtlantic Cooperative, which represents 23 racetracks, said Monarch Content Management misstated facts.
Historical race wagering at two Kentucky racetracks registered healthy increases in October versus the same month in 2013, according to statistics released by the Kentucky Horse Racing Commission.
Officials at Turfway Park, which begins its four-month run of live racing Dec. 1, are hoping response at the entry box for the first two programs continues through December and into next year.
The first of six programs Yonkers Raceway is sending to France for wagering purposes generated solid pari-mutuel handle and could be used to spark similar racing industry endeavors.
The Friday, Oct. 31, program of the Breeders' Cup World Championships helped lead to a 2.72% increase in total commingled pari-mutuel handle on United States racing in October compared with the same month in 2013.
Breeders' Cup reported a 4% bump in attendance and a 3% decrease in total pari-mutuel handle for its Nov. 1 program at Santa Anita Park compared with the Saturday card in 2013.
Breeders' Cup for its Oct. 31 program reported a gain in attendance but a decline in total pari-mutuel handle compared with the first day of the 2013 World Championships.
After a 10.49% increase in total pari-mutuel handle in 2013 compared with 2012, Breeders' Cup officials are hoping for more gains this year. But they'll have to come in another year of depressed wagering.
Delaware Park officials reported a decline in pari-mutuel handle for the 2014 racing season that ended Oct. 22 but said they will continue to explore ways to strengthen the product in a gambling-congested Mid-Atlantic region.
Keeneland and The Red Mile, a Lexington harness track, have officially agreed to consolidate historical racing machines in one facility that will be built at The Red Mile.
Wagering on United States Thoroughbred races for September was down 10.55% from the corresponding month in 2013, according to the Thoroughbred Racing Economic Indicators released by Equibase Oct. 4.
Monmouth Park reported increases in on-track and export pari-mutuel handle, as well as attendance, for its 57-day meet that ended Sept. 28.
Kentucky Downs closed out its highly successful 2014 live racing season Wednesday, Sept. 24, and the track established new records for wagering handle and starters per race during the five race-date season.
California Chrome may have lost the Belmont Stakes (gr. I), but the potential for a Triple Crown winner helped to drive up the New York Racing Association's overall pari-mutuel handle in the first half of 2014.
EquiLottery, a game based on the results of live races, has picked up support from leading Thoroughbred breeding farms in Kentucky, president and chief executive officer Brad Cummings said Sept. 11.
Equibase reports pari-mutuel wagering on United States Thoroughbred races in July was down 3.47% and purses fell 5.67% from the same month a year ago with 13 fewer race days.
Los Alamitos Race Course officials July 13 said the eight-day summer Thoroughbred meet generated average daily total pari-mutuel handle of $5,070,966.
A new game that links state lotteries with pari-mutuel pools is billing itself "the greatest two dollars in sports." EquiLottery, a lottery quick-pick game, was officially announced July 9.
Wagering on races in the United States took was slightly off in June compared to the same month in 2013 as handle nationally continued to lag for the year to date.
Growth in out-of-state wagering on its product helped Pimlico Race Course record an increase in average daily pari-mutuel handle for the 2014 spring meet.
The National Thoroughbred Racing Association June 5 reported growing support for its effort to change the way pari-mutuel winnings are calculated for tax purposes.
Though boosted by major racing days May 2-3 and a fifth Saturday in the month, worldwide commingled wagering on United States Thoroughbred races increased only 0.92% for May versus the same month in 2013.
The NTRA said June 3 members of Congress have asked the U.S. Department of Treasury to clarify regulations on the taxing of pari-mutuel wagers. The trade organization also is asking bettors to support an online petition.
The Maryland Jockey Club reported record attendance for the May 17 Preakness Stakes (gr. I) program as well as an increase in total wagering from 2013.
Weather conditions impacted the Black-Eyed Susan Stakes (gr. II) program at Pimlico Race Course May 16. Total wagering on the card was down more than 13% from last year.
TVG said it posted significant gains in wagering for the May 3 Kentucky Derby Presented by Yum! Brands (gr. I) program.
A decline in commingled pari-mutuel handle on United States racing in April versus the same month last year left total wagering down 3.08% for the first four months of 2014, according to Equibase statistics.
Atlantic City Race Course registered an 11.69% increase in average daily pari-mutuel handle during its rain-shortened meet from April 24-29.
Churchill Downs reported a 1.08% increase in all-sources wagering for this year's Kentucky Derby (gr. I) program May 3, but an overall 1.81% decrease in total pari-mutuel handle for the six days that make up Derby week.
In what it says is an effort to maintain daily purses and its stakes schedule, Churchill Downs plans to increase its takeout rate on win, place, and show bets as well as exotic wagers in 2014.
Total purses generated by slot machines in Pennsylvania in 2013 dropped 6.57% from the previous year according to a benchmark report released April 9 by the Pennsylvania Gaming Control Board.
Ellis Park in Henderson, Ky., is seeking to make changes in its historical racing operations, including removal of 50 terminals that will be sent to Kentucky Downs in Franklin.
If the monthly average holds, total wagering on historical races in Kentucky will top $600 million by the end of February. The devices have been operating in the state for 29 months.
Overnight purses at Fair Grounds Race Course & Slots have been reduced 10% for the rest of the current race meet, track officials said Feb. 20.
Unless serious talks resume soon and quickly produce a settlement, Gulfstream Park and Calder Casino & Race Course appear to be headed toward another 12 months of bitter head-to-head weekend racing.
Total on-site pari-mutuel wagering at Delaware Park in 2013 totaled $149.2 million, down 4.1% from $155.5 million in 2012, according to the annual report released Feb. 6 by the Delaware Thoroughbred Racing Commission.
An economic impact study shows the Thoroughbred and Greyhound racing and breeding industries account for at least $321 million a year in total business volume in West Virginia.
An agenda for the Jan. 15 New Jersey Racing Commission meeting lists the following item for discussion and information: a shutdown of four Atlantic City casino race books.
Citing an overall decline in wagering, Fair Grounds Race Course & Slots has canceled four stakes and cut purses for a dozen others, including the Fair Grounds Oaks (gr. II), which went from $500,000 to $400,000.
Wagering on harness races in the United States increased 6.07% in 2013, while purses paid were up 4%, according to statistics released Jan. 6 by the United States Trotting Association.
United States race dates declined by 3.15% in 2013 when compared to the previous year, yet total wagering and purses held steady, according to the Thoroughbred Racing Economic Indicators released by Equibase Jan. 5.
The Maryland Jockey Club reported average daily pari-mutuel handle on live racing was up 4.1% in 2013 versus 2012 thanks to growth in export wagering. Purses, meanwhile, continued to increase in Maryland.
Hollywood Casino at Penn National Race Course posted a record daily average pari-mutuel handle for its 197-night meet in 2013, a track official said Dec. 30.
With New Year's Eve approaching, it's time for Gulfstream Park and Calder Casino & Race Course to fire the first shots in their next battle over racing dates.
The Ohio State Racing Commission Dec. 19 postponed granting a new racetrack gaming facility a 2014 racing permit because its owners have decided not to have pari-mutuel clerks for live or simulcast racing.
Buoyed by an 11% increase in total commingled pari-mutul handle for the Breeders' Cup World Championships, wagering on U.S. races improved 4.37% in November compared with the same month last year.
New York Gov. Andrew Cuomo has signed legislation to create a statewide standard for rebate programs at racetracks and off-track betting corporations.


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Living Under Islam
Marshall Sana of the Barnabas Fund tells George Thomas about what life is like for Christians living in Muslim...
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Watch CBN News Tonight with Mark Martin. Top Stories: CIA investigation of terrorist interrogations, Afghanistan's election, Ramadan celebrations, and more.
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Mental and growth deficiency, nail onychodysplasia or aplasia (usually of the fifth finger or toe), short distal phalanges, coarse facies (usually bushy eyebrows, scant scalp hair, full lips, and microcephaly, and other abnormalities------------------------------------------------------------
Coffin Siris Syndrome; Dwarfism-Onychodysplasia; Fifth Digit Syndrome; Mental Retardation with Hypoplastic 5th Fingernails and Toenails;Short Stature-Onychodysplasia
This is a rare genetic disorder that may be evident at birth (congenital); The disorder may be characterized by feeding difficulties and frequent respiratory infections during infancy, diminished muscle tone (hypotonia), abnormal looseness (laxity) of the joints, delayed bone age, and mental retardation; In addition, affected infants and children typically have short fifth fingers ("pinkies") and toes with underdeveloped (hypoplastic) or absent nails; other malformations of the fingers and toes; and characteristic abnormalities of the head and facial (craniofacial) area, resulting in a coarse facial appearance; Craniofacial malformations may include an abnormally small head (microcephaly); a wide nose with a low nasal bridge; a wide mouth with thick, prominent lips; thick eyebrows and eyelashes (hypertrichosis); and sparse scalp hair;.
The underlying cause of Coffin-Siris syndrome is unknown; In most cases, the disorder is thought to result from new genetic changes (mutations) that appear to occur randomly for unknown reasons (sporadically); Familial cases have also been reported that suggest autosomal dominant or autosomal recessive inheritance [NORD 2005]---------------------------------------
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- Bob Vila TV Shows >
- Manhattan Remodel and Cape Cod Affordable > Episode 9: Paneling the Kitchen, Installing Hot Water, and Hanging Doors
Space Savings and Increased Effeciency With a Tankless Hot Water Heater
Project: Manhattan Remodel and Cape Cod Affordable, Episode 9, Part 2
Bob joins Jason Hill of New England Classic as the paneling is installed in the kitchen and living area of the Manhattan Brownstone floor-through apartment. This ready-to-assemble Shaker-style flat panel is paint-ready, medium-density fiberboard faced with a wood veneer. The baseboard is applied first with panel adhesive, checked for level, and nailed in place. Each panel and vertical stile is then set and checked to be sure it?s level and plumb. Panels fit snugly into the rabbeted stiles and are tapped into place. Top rails and caps complete the profile. Bob then meets with Chris Vila, the project manager, and Robert Kirkpatrick of Rinnai to preview the tankless water-heating system. These compact units are wall-mounted and self-contained, have a copper heat exchanger inside, and flow valves with sensors to determine flow rate and temperature of the incoming water. These systems save 70 percent over traditional electric hot-water systems, provide significant space savings, and produce an endless supply of hot water. Bob wraps with the installation of Woodport historically accurate, five-panel doors. The Thorough Construction crew cuts mortises for the brass hinges, builds a jamb, installs it and sets it to level using shims, then trims the door before hanging it.
- Part 1: Installing the Pre-Cut Paneling System
- Part 2: Space Savings and Increased Effeciency With a Tankless Hot Water Heater
- Robert Kirkpatrick from Rinnai joins Bob to explain the tankless hot-water system being installed in the Manhattan Brownstone. Kirkpatrick explains that there are three key advantages to the tankless system. There's a huge space savings since the unit mounts on a wall, sparing the 12 to 16 square feet of floor space typically dedicated to the water tank. These tankless systems are also 70 percent more efficient than electric hot-water tanks. Most impressive of all, they provide an endless supply of hot water since the water is heated on demand rather than kept in storage. Kirkpatrick shows Bob the flow sensors that receive the water, generate the demand for heat, and gauge the amount of energy necessary to heat it to the desired temperature. The water is heated as it passes through the copper heat exchanger at the top of the unit. A double-wall pipe serves as the combustion air intake and the exhaust for the system, with a vent chamber up the middle surrounded by air intake along the perimeter of the pipe. This system is cost efficient as well, with payback of the initial investment in two to four years.
- Part 3: Choosing a Historically Appropriate Door and Creating the Jambs and Hanging a Door
This project deals with two very different notions of home. Bob begins on New York City's Upper West Side, where an 1890s Brownstone is revitalized through high-quality craftsmanship and sensitive design. New York's past meets its present, as the entire floor is recaptured and refurbished to create a spacious urban apartment on the doorstep of Central Park.
At the same time, Bob works with a Cape Cod developer to apply Massachusetts land use statute 40B to create affordable housing, and a neighborhood of homes in Mashpee, MA. These Energy Star certified homes show how quality building practices and reasonable asking prices can work together to provide livable, affordable homes and neighborhoods to those who work in our communities.
At the same time, Bob works with a Cape Cod developer to apply Massachusetts land use statute 40B to create affordable housing, and a neighborhood of homes in Mashpee, MA. These Energy Star certified homes show how quality building practices and reasonable asking prices can work together to provide livable, affordable homes and neighborhoods to those who work in our communities.
Managing Construction
Any suburbanite with a driveway knows the drill: A couple of guys arrive in a beat-up truck with a bucket of asphalt in the bac...
Before you dive headfirst into that renovation project, make sure to assess the full scope of the job—from budgeting to sourcin...
If your designer has specified all the fixtures, appliances, and home building materials needed for the job, you may ...
If there's one thing that can mar the excitement of a home remodeling project it's the nightmare of living through it...


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Below is the middle third of Hockey's Future NHL Organizational rankings as voted by the Hockey's Future staff. To determine the ranking, each team's entire prospect pool was taken into consideration. For reference, just the top five prospects are listed. To be eligible, a prospect must meet HF's prospect criteria. The rankings are done twice each season, in the fall and spring.
Los Angeles Kings
Team Depth Chart of NHL Prospects
- Deep and talented group of wingers
- Quality goaltending prospects
- Defense mixes grit and skill
- Center position lacks depth and upside
About Prospect Scores and Probability
Legend of Players' Leagues
- Pro
- Playing in N.A. Pro (NHL, AHL, ECHL, etc.)
- Playing in CHL (OHL, QMJHL, WHL)
- Playing in NCAA
- Europe
- Playing in Europe
- Junior
- Playing in Junior 'A' (USHL, BCHL, AJHL, etc.)
- Not Categorized Yet
Small collegiate prospect pool signals philosophical shift for Los Angeles
The Kings' farm system has been thinned rapidly via graduations, trades, and a shift from stockpiling to readily dealing draft picks and assets. Their holdings at the collegiate level are somewhat limited, although they include a pair of the organization's more promising prospects. Overseas, they have just two players, one of whom may be extremely unlikely to return to the organization. Still, the Kings have plucked some outstanding players recently from both talent pools, such as European trained Anze Kopitar and Slava Voynov as well as former collegian Jonathan Quick.
Michael Mersch, LW, Wisconsin Badgers (WCHA)
Change in Kings top 20 a reflection of young NHL roster
While the Kings are still among the youngest rosters at the NHL level, a shift in their organizational outlook has caused their prospect system to go from top-ranked to also-ran in short order. Still, the Kings have a strong identity throughout their organization and as many talented players as most NHL organizations, headed by some of players who have already spent some quality time at the top level.
Kings System in 2002-2003- The Good, The Bad and The Ugly
The Kings are about to end a nightmarish season. Here's a look at the highs and lows so far this season:
The Good:
Alexander Frolov's development has been encouraging. He has shown that when he is on a scoring line, he can score. This guy is destined for great things.
Joe Corvo has shown that he can be a top offensive defenseman. Corvo will undoubtedly take the reigns as the power play pointman for the Kings next season. It's hard to believe he was out of hockey a few years ago.
Lubomir Visnovsky has had a solid season for the most part. Lubo played solidly when healthy this season.
Ziggy Palffy has stepped up his play and will only be better for it next season when his linemates return.
Kip Brennan, Brad Norton and Ryan Flinn all benefited from increased ice time and saw their games evolve. Norton was particularly impressive and has a bright future as a fourth line enforcer who can take a regular shift.
Jerrod Smithson and Chris Schmidt both played well during their turns with the Kings. While the fourth line is not the problem, both of these players have potentially worked their way back into the Kings' future plans.
Prospects Denis Grebeshov, Petr Kanko and Greg Hogeboom have all had solid seasons. Noah Clarke had a huge year for Colorado College and Jens Karlsson has looked like the player the Kings thought they drafted during his league playoffs.
Cristobel Huet has at worst shown that he is an option at goalie for the future. That future is likely as a backup, but he has shown flashe Read more»
Kip Brennan Re-Post
Kip Brennan- The Most Promising King?
There has been a steady path beaten from Manchester, New Hampshire to Los Angeles, California. King prospects have been back and forth the entire season due to a multitude of injuries on the NHL level. While King fans have been able to see some of the top prospects in NHL action, perhaps no minor leaguer has taken advantage of his chance more than winger Kip Brennan.
This trip to the NHL was not the first for Kip Brennan, but probably the most important. After toiling in Sudbury, then spells in Lowell and Manchester, Brennan was recalled last season during one of Ken Belanger's injuries. Brennan played fairly well, but was unable to make headway in fighting two of the league's perennial huggers- Steve McKenna and Andre Nazarov- and was unable to have any memorable impact. After four games, Brennan was returned to Manchester and Ryan Flinn was called to Los Angeles. Flinn's feats were the stuff of legend- a knockout against Brad Brown and a broken nose to one of the league's toughest- Scott Parker. Belanger eventually returned and Flinn went back to Manchester, but King fans had seen their enforcer of the future and his name was Ryan Flinn.
Flinn's size makes him a more attractive enforcer- he is an inch taller and is heavier than Brennan. While both have fought all comers in the AHL, Brennan knock was his lack of girth and the consequent weight differences he might see in the NHL. Brennan put on weight in the offseason, but headed into the season as the third option at enforcer in training camp. Read more»
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COOLA MineralFace SPF 20 Tint is a sheer, hydrating, chemical free sunblock designed for all skin tones. Perfect for everyday use and great under make-up. MineralFace SPF 20 Tint absorbs quickly and keeps facial skin even and toned. Our noncomedogenic formula combines the powerful anti-aging and antioxidant benefits of xylinum black tea and organic grape seed extract with the skin smoothing and aromatherapeutic qualities of 100% natural rose essence. This skin perfecting lotion is long lasting and provides UVA/UVB broad-spectrum protection immediately upon application.
Made of the best ingredients and very effective for everyday wear! The tint is great for my skin type (I am fair) and the color really helps titanium dioxide and zinc oxide better blend with the skin. The reason I didn't give it 5 stars is that it goes on very shiny, nothing I haven't been able to fix with a few swipes of colorless powder but it does require an extra step. I'm also not in love with the pump dispenser and wish they had just made a simple tube: getting out just the right amount is challenging and I've had trouble with air pockets blocking the pump (if this happens, just squeeze the tubing hard until you hear the air bleed out). I'm not completely sold on the rose scent either, I rather wish it were unscented.
All of that aside, its a great product that I will continue to purchase whenever there's a sale (its quite expensive for 1.7 oz). Facial sunscreen is a must in my everyday regiment and this is a great organic alternative!
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deal over
deal over!
76% recommendedin LivingSocial customer ratings
If you'd love to learn how to become a forex trader but yells of "buy, buy, buy!" and "sell, sell, sell!" are all Greek to you, stock up on your knowledge of the industry with Forex 121 - Learn to Trade Forex for just €8 (a €602 value).
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With a stay at Hotel Hermes in Santorini (Kamari), you'll be convenient to Wine Museum and Ancient Thira. This 4-star hotel is within close proximity of Prophet Elias Monastery and Panagia Episkopi.
Make yourself at home in one of the 44 air-conditioned rooms featuring minibars. Rooms have private furnished balconies. Complimentary wireless Internet access keeps you connected, and satellite programming is available for your entertainment. Bathrooms have complimentary toiletries and hair dryers.
Rec, Spa, Premium Amenities
Be sure to enjoy recreational amenities, including an outdoor pool, a spa tub, and a fitness center. This hotel also features complimentary wireless Internet access, concierge services, and babysitting/childcare (surcharge).
Enjoy a satisfying meal at a restaurant serving guests of Hotel Hermes. Relax with your favorite drink at a bar/lounge or a poolside bar.
Business, Other Amenities
Featured amenities include complimentary high-speed (wired) Internet access, a computer station, and complimentary newspapers in the lobby. Free self parking is available onsite.


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Better then TV speakers
This review is from: ILIVE IT302B 2.1 Channel Stereo Sound Bar with FM Radio(Black)
Pros: Good sound in my opinion, allot better then the cheap original TV speakers. Comes with mounting hardware.
Cons: The remote is the cheapest in town, and the cable that comes with it will be too short. Unless both connections are on the same side (right), you will need to order another cable.
Other Thoughts: I like the speaker though, after you get another cable, and change the remote to work from your main, it ain't bad. I haven't tried mounting it, that, I'm sure would be nice, it comes with the hardware.
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County Galway - IE
Property ID: 0385
Print Page
Situated on a hillside in a remote and beautiful area, there are no facilities on-site and the area attracts lovers of peace and quiet. Owing to the remoteness of the cottages which are some 5 miles from the nearest village of Oughterard, use of a motor vehicle is essential for access and to enjoy ConnemaraCheck-in Time: 16:00Check-out Time: 10:00Check-in Days: SaturdayImportant InformationFees charged for some utilities.Occupancy limits are strictly enforced: could result in forfeiture of the unit and/or other penalties.Note: The address at Leam East , Recess, may mislead as the nearest substantive village is Oughterard, whilst Recess is only a row of retail units some three miles further on from the junction of the lane to the cottages on the N59, towards ClifdenAlso available trips to Lough Corrib. Connemara Cooks catering company available to cook for guests in cottages, please contact Resort prior to arrival to arrange details.Pet Information: Animals are not permitted; could result in forfeiture of the unit and/or other penalties.


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Boxford White Horse
45 Swan St
grid reference TL 960 406
listed building grade II
View in Google Earth
CAMRA West Suffolk & Borders branch.
last updated 12/04/2016
The façade is from the 18th century, but the structure of the building is much older.
A notice in the Bury & Norwich Post** on 11 Nov 1839 states that :
died at Groton: Thomas Rice a brewer aged 36 who descended into a beer vat at the White Horse Inn in Groton in search of a candlestick, it is supposed he was suffocated by the foul air.
A report in the Ipswich Journal*** on 13 March in 1857 states that :
Auction of the White Horse Beer House, Boxford Street, now in full trade, containing parlour, tap-room, the usual offices & 3 bed-rooms, occupied by Miss OLLEY, at the low rent of £10 per annum.
(Most pub, location & historic details collated by Nigel, Tony or Keith - original sources are credited)
(** historic newspaper information from Stuart Ansell)
(*** historic newspaper information from Bob Mitchell)