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Physical Eye UV Defense SPF 50 is SkinCeuticals first eye-area moisturizer with SPF, and it has some good qualities—as well as those we would consider more mundane than exciting. This contains gentle mineral sunscreen actives zinc oxide and titanium dioxide, so there's little risk of sensitivity or stinging around the eye area. It's also fragrance free, which is always a good thing for skin, but especially so for the delicate skin around the eyes.
A tint was added to the formula to offset the white cast mineral sunscreens tend to have—here it's advertised as a quality to "enhance your skin tone", but the effect is slight. The tint may be a little iffy for some—those with a medium to deep skin tone may find it lends a slight greyish cast, but as the tint is subtle any visible cast is easily fixed by applying a sheer layer of concealer or foundation on top.
The less appealing aspects of Physical Eye UV Defense SPF 50 (and the reason why it earned a GOOD instead of a BEST) are that the formula is almost entirely lacking in antioxidants or reparative ingredients, and it provides little moisture to skin. In fact, this contains more talc than moisturizing ingredients, and as a result the finish is fairly matte. Those with even slightly dry skin around the eyes will find this works best only when applied over their regular moisturizer; otherwise, it might enhance fine lines and wrinkles rather than downplay them.
For the price and size, you should expect more in terms of beneficial anti-aging ingredients like antioxidants (especially important during the daytime to aid in warding off free-radical UV damage) or skin-identical ingredients to help replenish and repair skin.
SkinCeuticals points out that this formula contains ceramides, but in the form of 2-oleamido-1, 3-octadecanediol, a synthetic ceramide that has no research (that we could find) of demonstrated benefit for skin—it's primarily used in shampoos and conditioners. Even if it did have established benefit for skin, there is only a dusting present here.
Bottom line: While the Physical Eye UV Defense SPF 50 does technically earn a GOOD rating, we would nonetheless encourage you to consider any well-formulated daytime moisturizer with a mineral-based SPF instead. In fact, other than a soufflé- like cream texture that quickly sets to a matte finish, this formula is shockingly similar to SkinCeuticals Physical Fusion Defense SPF 50, but at a fraction of the size and for nearly as much money. There's no reason the company's Physical Fusion UV Defense SPF 50 cannot be applied around the eyes, too.
(based on 1 review)
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Very good !
By Anonymous
from undisclosed
Comments about SkinCeuticals Physical Eye UV Defense SPF 50:
The texure is nice, like a cream, not a lotion. It glides on the skin without having to rub, it's really matte and smoothing. No irritation whatsoever - and my eyes usually don't like sunscreens.So far the best I've found, but for the price.
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Delivering a new standard in eye care, this ophthalmologist-tested sunscreen defends, enhances, and optimizes the entire eye area, including the eye lid. Formulated specifically for the unique structure of the thinner and more sensitive skin around the eye, Physical Eye UV Defense provides broad spectrum SPF 50 protection without migrating into and irritating the eyes. A unifying tint enhances skin tone while ceramides nourish, creating a smooth, optimal canvas for makeup application.
Active Ingredients: Titanium Dioxide 9%, Zinc Oxide 4%; Inactive Ingredients: Dimethicone, C12-15 Alkyl Benzoate, Triethylhexanoin, Isohexadecane, Talc, Hydrogenated Jojoba Oil, Dimethicone Crosspolymer, Styrene/Acrylates Copolymer, Styrene/Acrylates Copolymer, C30-45 Alkyldimethylsilyl Polypropylsilsesquioxane, Dimethicone/Vinyl Dimethicone Crosspolymer, Aluminum Stearate, Alumina, Polyhydroxystearic Acid, Iron Oxides, Phenoxyethanol, Silica Silylate, PEG-8 Laurate, Triethoxycaprylylsilane, 2-Oleamido-1,3-Octadecanediol, Disodium Stearoyl Glutamate, Paraffin, Aluminum Hydroxide.
SkinCeuticals At-A-Glance
Strengths: Great line to shop if you're looking for well-formulated vitamin C and retinol products; some outstanding sunscreens (including for sensitive skin), and every one provides sufficient UVA protection; one effective AHA product; good self-tanner; several fragrance-free products.
Weaknesses: Mostly problematic cleansers and toners; fruit and sugar extracts trying to substitute for AHA products when the real deal is much better; ineffective BHA products; jar packaging.
With a strong presence in the professional (meaning spa and aesthetics) skin-care market, SkinCeuticals has a mostly well-deserved reputation for producing serious-minded, research-driven products, several of which are centered on L-ascorbic acid. Company founder Dr. Sheldon Pinnell began the line after a falling out with the folks behind Cellex-C, a company for which Dr. Pinnell once served as spokesperson. The falling out had to do with both Cellex-C and Dr. Pinnell holding patents on L-ascorbic acid; Cellex-C held the patent on a formula with L-ascorbic acid (the original Cellex-C serum) while Dr. Pinnell's patent (now conspicuously absent from SkinCeuticals products) was only for the ingredient. The drama continued as, years later, the doctor who joined Pinnell to work on SkinCeuticals' vitamin C products began his own company, also selling products with vitamin C. Who needs Desperate Housewives when we have desperate doctors racing to be the authoritative word on the anti-aging properties of vitamin C?
The good news is that copious research has demonstrated that L-ascorbic acid (despite its stability issues, which, formula-wise, SkinCeuticals products do address) is a good, potent antioxidant and anti-inflammatory agent. It has also been shown to provide photoprotective benefits when skin is exposed to UV light and is capable of stimulating collagen production - though don't take that to mean it is a cure for wrinkles (Sources: International Journal of Toxicology, 2005, supplement, pages 51–111; Experimental Dermatology, June 2003, pages 237–244; Dermatologic Surgery, March 2002, pages 231–236; Bioelectrochemistry and Bioenergetics, May 1999, pages 453–461; and International Journal of Radiation Biology, June 1999, pages 747–755). Of course, other forms of vitamin C have equally impressive research, and some forms, such as magnesium ascorbyl phosphate, have better stability profiles (Source: Journal of Pharmaceutical and Biomedical Analysis, March 1997, pages 795–801).
As we've mentioned before, vitamin C is but one of many good antioxidants, and it's not the best approach to select any one or two antioxidants and bank on them alone to provide every conceivable skin-rejuvenating benefit. Instead, go for products that offer a cocktail of antioxidants because you'll get a greater range of benefits. Plus, some antioxidants in combination have a synergistic effect that surpasses what occurs when any of the ingredients are used alone. SkinCeuticals clearly knows this, because their vitamin C products also contain the antioxidant ferulic acid, and some add vitamin E to the mix as well. Above all, remember that as multifunctional as antioxidants are, they cannot stop aging, they won't eliminate wrinkles, and they do not replace the need for daily sun protection.
L'Oreal purchased SkinCeuticals in May 2005, and, for the time being, seems to be letting them stay on their course. That's a good thing, because despite L'Oreal's considerable financial reserves and global R&D team, the skin-care products their brands produce consistently lag behind what current research indicates are state-of-the-art options. As long as they continue to let SkinCeuticals retain its stature, there are many good reasons to shop this line; however, that said, this line is far from perfect in terms of being able to assemble a complete skin-care routine. Focusing on what they do best (which is serums, sunscreens, and specialty products) will be money well spent for visible results. Those who find the SkinCeuticals price tags to be a deal-breaker need to know that despite several notable products, they're hardly the only game in town; you can find equally superior products for less money, though not all of them follow the impressive concentration protocols of SkinCeuticals.
For more information about SkinCeuticals, call 1-800-771-9489 or visit www.skinceuticals.com.
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I had my bicycle professionally fitted last week by someone who specializes in said fittings. People come from great distances for a good fitting. I felt perfectly comfortable on the bicycle prior to the fitting, and I feel the same now even though substantial changes were made. I got to watch myself on video prior to the fitting, and I was really askew on the bike, and my right leg was much closer to the top tube than my left when I pedaled. My seat previously was full back, and now it has been moved quite a bit more forward and higher. I also have a shim in my right cleat due to a measured leg length discrepancy. I also went with considerably less rise in the stem than previously, but went from a 100 mm to an 80 mm stem.
It is said that when down in the drops, when you look down, the hubs should be obscured by the handlebars. Prior to the fitting (probably because my seat was well back), the hubs appeared aft of the bars. Now they are forward of the bars.
After all of this BS, what I am trying to get around to is my question, to wit: How important do you think it is to be in a position in which the hubs are obscured when on the drops?

subset: commoncrawl


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SailNet Community (http://www.sailnet.com/forums/)
- Pearson (http://www.sailnet.com/forums/pearson/)
- - Sea Quest 28 (http://www.sailnet.com/forums/pearson/57094-sea-quest-28-a.html)
Sea Quest 28
Looking for my first love (in terms of sailboats). I'll never forget her...she was built in 1973, made in St. Louis (only sailaboats ever built there - designed by Phillip Rhodes), and purchased in Sarasota, Fl. Cruised in the Bahamas and lived aboard for 6 years. She had a dark yellow hull with teak decks and was sold in St. Petersburg in 1987. Does anyone have any info on the Sea Quests? Thanks!:)
I have not heard of Sea Quest Yachts. You might do better posting in a more general forum. This section is specific to Pearson sailboats.
There are a couple on New and Used Yachts for Sale - YachtWorld.com for sale ("Sea Quest" in general, I didn't select by L.O.A.)
Boat Design Net - the Boat Design and Boat Building Site has a cached link to them at Seaquest Yachts - cached - the Boat Design and Boat Building Directory The link to www.seaquestyachts.com is listed there but is not functional.
That site includes a contact telephone number in the United Arab Emiretes. +97143384615 Good hunting.
In the mean time - have you considered a Pearson?
Sea Quest 28
If you send me an email I can send you as much information as you want on the Sea Quest 28. You see, my father, Philip Bonzon worked on the design with Philip Rhodes. I currently own a 28, she'll be for sale soon, and have the original plans and sales material.
sea quest 28
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How to clone out item on horizon?
Started Apr 6, 2013 | Discussions thread
Shop cameras & lenses ▾
nealix • Regular Member • Posts: 202
How to clone out item on horizon?
I wish to learn how to clone out or remove a blur right on the horizon of the ocean.
In the attached small cut out section of a much larger photo, there is a blur on the
left edge of the ocean horizon. This was an 80 second time lapse exposure, and the
blur if from a slow moving oil tanker.
My previous retouching was never near a hard line, so I am not sure what method to use
here? Two things I can see is that clone stamp would run into trouble that close to a
hard edge, and additionally, there is a brightness or exposure gradient visible in the
clouds near that blur.
Does anyone have some ideas or tutorial on how I can deal with this one?
Sincere thanks,
nealix's gear list:nealix's gear list
Nikon D300 Nikon D750
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Contact Us
The Newton track and field team has made its way into the history books.
Jaquan Simms moved higher and higher through the Newton High School boys' basketball program until he reached his dream Tuesday.
After a successful year, the Newton baseball season came to an end this week.
The regular season has officially ended for Region 2-AAAAA baseball. Newton High School joins Rockdale, Lakeside and Tucker as the four teams from the region ...
Former Newton High School basketball standout Stephen Croone has been named an Honorable Mention All-American by the Associated Press for his efforts with the Furman ...
Page 1 of 1
The Newton Rams take the road tonight for a region contest with a little rivalry flair, as Newton travels to Reid Stadium to take on Rockdale County at 7:30 p.m.
After catching a pair of touchdown passes to lead Newton High to a 32-21 victory over Druid Hills last Friday, the Rams' Davonta Jones was named Newton's Athlete of the Week.
The Newton Rams earned their second region win of the season Friday night, getting back to .500 with a 32-21 victory over Druid Hills at Sharp Stadium.
After recording four hits in back-to-back games against Luella and Alcovy in the Region 2-AAAAAA softball postseason tournament, Newton shortstop Ciara Bryan has been named Rams Athlete of the Week.
The Newton Rams enter their sixth game of the season Friday night at Sharp Stadium against Druid Hills with one goal on their mind.
The Newton Rams will join Alcovy in the second round of the winner's bracket in the Region 2-AAAAAA postseason tournament, outlasting the Luella Lions 5-3 Tuesday night at Alcovy.
After falling in the first match of a tri-match against Eastside on Thursday, the Newton Rams rebounded with a straight set win over Alcovy.
The Newton Rams won their region opener, while grabbing their second win of the season, against the Alcovy Tigers on Friday night 17-14 at Sharp Stadium, spoiling the Tigers' hopes of obtaining the Newton Cup.
For his efforts on the gridiron, Newton High sophomore running back Artice Hobbs has been named Rams Athlete of the Week.
While its 1-3 record may not be what the Newton High varsity football team would like to carry into Sharp Stadium Friday night, a new season for the Rams begins as they take on rival Alcovy in their first region game of the season.
The Newton High School varsity volleyball team dropped a non-region contest to Heritage Tuesday night, falling in straight sets to the Patriots on the road.
The Lady Rams 1963 regional champion and state runner-up varsity basketball team reunited this past weekend, celebrating their 33-1 overall record. Members of the region championship team include, first row: Sandra Lester Needham, Day Morcock Kennon, Betty Jaynes, Rosemary Laster Powell and Lynda Satterfield LaFollette. Second row: Diane Carter Dickson, Donna Dooley Tomlin and Ameila Spillers Moseley. Third row: Carlyn Maloy McConnell, Kay Shaw Coggin, Carolyn Strange Ariail and Susan Cooper Wilson.
Freshman starting pitcher Maddie Cronic threw a no-hitter for the Newton Lady Rams on Senior Night, as the varsity softball team ended their regular season Thursday night with a 12-0 win over the Lovejoy Wildcats.
The Newton Rams suffered their second consecutive road loss Friday night at Langston Hughes, falling to the Panthers 44-7 at Langston Hughes Stadium.
The crash came hard for Newton coach Terrance Banks after the fall.
Page 22 of 37


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Game Credits
|World of Warcraft: Cataclysm (2010)
|(Web Content Manager)
|World of Warcraft (2004)
|(Sales, Marketing & PR)
Public Relations
|StarCraft II: Legacy of the Void (2015)
|(Community Team)
Creative Services
|World of Warcraft: Wrath of the Lich King (2008)
|(European Online Services Web Editorial Team Leads)
|Diablo III: Reaper of Souls (2014)
|(Web Editors)
|Hearthstone: Heroes of Warcraft (2014)
|(Web Editors)
|Diablo III (2012)
|(Web Editors)
|World of Warcraft: Mists of Pandaria (2012)
|(Web Editors)
|StarCraft II: Wings of Liberty (2010)
|(Web Editors)
|Diablo III: Reaper of Souls - Ultimate Evil Edition (2014)
|(Web Editors)
|StarCraft II: Heart of the Swarm (2013)
|(Web Editors)
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Waterproof Case for iPhone 5/5S - 4 Colors
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March 15 (Reuters) - The Wachovia Bank unit of Wells Fargo & Co <WFC.N> is in talks with the U.S. Justice Department to settle complaints relating to the alleged failure in bank controls that enabled Mexican exchange houses to launder drug money, the Wall Street Journal said, citing people familiar with the situation.
A settlement could come within weeks, the people told the paper. It is not clear whether cash payment will be part of the settlement, the newspaper said.
In a statement, Wachovia said it is cooperating with the probe, which concerns matters predating the bank's takeover by Wells Fargo. It said it is "committed to maintaining compliant and effective anti-money laundering policies and practices, and a strong compliance and risk management culture."
The U.S. attorney's office in Miami began the probe about three years ago, and has focused on the alleged role a Wachovia unit played in processing illegal money transfers for the exchange houses, the newspaper said, citing court documents and people familiar with the matter.
The exchange houses dot the U.S.-Mexican border and serve as a hub in the global remittance business that allow U.S. immigrants to send money back to Latin America to help relatives, according to the newspaper.
However, Federal officials also have identified the money transfer business as a way for drug traffickers to move cash around, the newspaper said.
In an annual filing with the U.S. Securities and Exchange Commission on Feb. 26, Wells Fargo said it "is engaged in discussions to resolve this matter by paying penalties and entering into agreements concerning future conduct." (Reporting by Sakthi Prasad in Bangalore; Editing by Derek Caney and Richard Chang) ((email@example.com; within U.S. +1 646 223 8780; outside U.S. +91 80 4135 5800; Reuters Messaging: email@example.com)) Keywords: WACHOVIA/USDOJ
Keywords: WACHOVIA/USDOJ
Monday, 15 March 2010 23:06:36RTRS [nN15218444] {C}ENDS
from Financial Regulatory Forum:
Wachovia in talks with U.S. to settle probe-WSJ
March 15 (Reuters) - The Wachovia Bank unit of Wells Fargo & Co <WFC.N> is in talks with the U.S. Justice Department to settle complaints relating to the alleged failure in bank controls that enabled Mexican exchange houses to launder drug money, the Wall Street Journal said, citing people familiar with the situation.
from Financial Regulatory Forum:
CFTC's Gensler says unconvinced about CDS ban
BRUSSELS, March 16 (Reuters) - The derivatives market remains a "dark ocean" that needs more transparency but it was unclear if a ban on credit default swap trading would work in practice, a top U.S. regulator said on Tuesday.
"I am not sure how an outright ban would work mechanically," Gary Gensler, chairman of the U.S. Commodity Futures Trading Commission, told the European Parliament.
An outright ban would be difficult to police and the answer was greater transparency and supervisory powers to set position limits, Gensler added.
European Union finance ministers, also meeting in Brussels on Tuesday, were due to discuss calls from Greece to crack down on so-called naked selling of CDS contracts which it blamed for amplifying its debt woes. (Writing by Huw Jones, editing by Mike Peacock) ((Reuters messaging: firstname.lastname@example.com; + 44 207 542 3326; firstname.lastname@example.com))
Keywords: EU USA/DERIVATIVES
Tuesday, 16 March 2010 09:00:08RTRS [nLDE62F0FJ] {C}ENDS
from Financial Regulatory Forum:
Fannie, Freddie to clear interest rate swaps
By Ann Saphir
BOCA RATON, Fla., March 11 (Reuters) - Fannie Mae and Freddie Mac, the mortgage-funding giants that were seized by the government in September 2008, will start using central counterparty clearing this year in a move that could mark a seismic shift in the $400 trillion global swaps market.
The administration, regulators and lawmakers want to shift more derivatives -- seen by some as a cause of the financial crisis that deepened the worst recession since the 1930s -- into clearinghouses, where they may pose less of a systemic financial risk. Clearers stand between trades.
But dealers profit from the system as it stands now, and Commodity Futures Trading Commission Chairman Gary Gensler on Thursday painted them as reluctant to shift from the opaque world of off-exchange derivatives to regulated clearinghouses, such as those run by CME Group Inc <CME.O> and LCH.Clearnet.
The decision to move Fannie and Freddie's combined swaps portfolio -- among the largest in the United States at $3 trillion -- to clearing gave notice the government is putting its money where its mouth is.
"You can't kick and scream anymore because I am buy-side," Martha Tirinnanzi, chairman of the Federal Housing Finance Agency's clearinghouse working group, told reporters after a panel at the Futures Industry Association's annual meeting here. "It will be a signal to the sell-side that this market has changed."
The agency has run the housing lenders since they were made wards of the state, and has been studying central clearing for the last 10 months as a way of mitigating credit risk.
About 75 percent of the combined portfolio of Fannie Mae <FNM.N> and Freddie Mac <FRE.N> is standardized enough to be eligible for clearing, she said.
"We are moving to central clearing," Tirinnanzi told the panel. "We expect to be there within months."
The agencies will begin by moving newly executed swaps -- used to hedge their mortgage portfolios -- into clearinghouses, she said. Eventually all clearing-eligible swaps will be warehoused at a regulated clearinghouse, she said.
The agencies have tested their portfolios with Nasdaq OMX Group Inc's majority-owned clearinghouse, CME Group and LCH.Clearnet, she said, but they have not yet decided which to use. ((Reporting by Ann Saphir; Editing by Gary Crosse)) ((firstname.lastname@example.com; +1-312-408-8592; Reuters Messaging: email@example.com)) Keywords: FANNIE FREDDIE/CLEARING
Thursday, 11 March 2010 23:48:57RTRS [nN11247530] {C}ENDS
from Financial Regulatory Forum:
US FDIC extends protection for securitized assets
By Karey Wutkowski
WASHINGTON, March 11 (Reuters) - U.S. bank regulators extended a policy on Thursday that protects securitized assets in the event that a bank fails and is seized by regulators.
The Federal Deposit Insurance Corp said its board approved an extension of the protection until Sept. 30, 2010, as it tries to craft permanent rules designed to revive the securitization market, but with stronger standards.
FDIC Chairman Sheila Bair said in a statement that the extension will give the agency time to adopt final standards and the industry time to transition to new standards.
"We will continue to seek broad agreement on securitization reforms that can be implemented by all the regulatory agencies," Bair said.
In December, the FDIC proposed a new treatment for so-called "safe harbor" protection for securitized assets.
The new standards, if approved by the FDIC board, would only protect securitized assets - such as those based on mortgages and auto loans - from failed banks under certain conditions.
Those conditions include banks voluntarily retaining an ownership interest in the loans they package into securities, known as keeping "skin in the game."
Banks would also have to tighten underwriting standards and disclose more details about the underlying assets, which could include individual mortgages and other debt backing the bonds.
The proposal is designed to spur responsible securitizations, by offering banks extra protection for the loans.
Industry groups are concerned the proposal threatens to undermine the securitization market and choke off an important source of credit.
They have said that under the FDIC's proposal, investors would bear the burden of the loss of the safe harbor if any of the securitization preconditions are not satisfied.
Comptroller of the Currency John Dugan, who serves on the FDIC board, has criticized the FDIC's proposal as aiming to reform only a portion of the securitization market, potentially creating an uneven playing field.
Securitizations fueled the recent financial crisis because bad loans were packaged and then sliced and diced into securities that widely spread risk through the financial system.
The market for securitizations froze during the crisis and has only recently begun to thaw, largely due to government support. (Reporting by Karey Wutkowski, editing by Leslie Gevirtz) ((E-mail:firstname.lastname@example.com +1 202 898 8374))
Keywords: BANKS SECURITIZATION/FDIC
Thursday, 11 March 2010 23:56:37RTRS [nN11201481] {C}ENDS
from Financial Regulatory Forum:
INTERVIEW-CME's CEO is not anxious about reform delay
By Ann Saphir and Jonathan Spicer
BOCA RATON, Florida, March 10 (Reuters) - Craig Donohue, head of the world's biggest futures exchange operator, said on Wednesday the growing number of months that regulators and politicians are devoting to revamping financial markets is a positive sign -- not something to grow anxious over.
"There's value if the additional time is resulting in the opportunity to more carefully think through what type of legislation is appropriate" to deal with gaps in regulation that may have contributed to the financial crisis, Donohue, CME Group Inc's <CME.O> chief executive, told Reuters.
"That's a positive thing," he said on the sidelines of the Futures Industry Association conference in Boca Raton.
Some 18 months after the mortgage-inspired financial meltdown that sparked a global recession, the United States, the European Union and others are still debating and crafting rules meant to avoid a repeat of the crisis.
Donohue said he welcomes some of the reform proposals being considered. CME Group could benefit as more over-the-counter products are forced through clearinghouses and exchanges, but could suffer if regulators restrict bank proprietary trading or impose steep position limits in commodities markets.
A revised bill on financial regulation is expected very soon from the U.S. Senate's Banking Committee. [ID:nN10137492]
The bill would tighten bank and capital market oversight and is expected to include measures for consumer protection, systemic risk, and an over-the-counter derivatives crackdown -- the issue central to CME Group, which recently launched a credit default swap clearinghouse and wants to clear more swaps.
"We're expecting the Senate bill reasonably shortly," Donohue said. "The process is definitely evolving, but I'm not unhappy with the fact that there's been time to actually meet with legislators."
The European Commission is expected to publish a draft law on derivatives clearing by July.
"It's hard to judge" whether the political will to reform financial markets is waning, the CEO added. "Certainly there is a clear focus on the legislation." (Reporting by Ann Saphir and Jonathan Spicer; Editing by Gary Hill) ((email@example.com; +1-646-223-6253; Reuters Messaging: email@example.com))
Keywords: CMEGROUP/
Thursday, 11 March 2010 01:08:40RTRS [nN10178974] {C}ENDS
from Financial Regulatory Forum:
US senators wrestle with Fed bank oversight issues
By Kevin Drawbaugh and Rachelle Younglai
WASHINGTON, March 8 (Reuters) - The Federal Reserve could retain oversight of large bank holding companies under a scaled-back regulatory reform plan being considered by key senators, but important questions remained unanswered, lobbyists said on Sunday.
In a retreat from a bold proposal to streamline a patchwork bank regulatory system, lawmakers were considering keeping supervision of companies such as Citigroup <C.N> and Bank of America <BAC.N> at the Fed, as Reuters reported in February.
It was still unclear, lobbyists said, if the Fed under the evolving plan would be an "umbrella supervisor," continuing to rely on other agencies for detailed bank exams, and how many companies might be put under the Fed.
One option, they said, was to assign holding companies with assets of $100 billion and up to the Fed, which would include nearly two dozen major firms.
Other, more expansive options were also being considered, with Senate Banking Committee Chairman Christopher Dodd expected to unveil legislation as soon as this week after months of negotiations with fellow Democrats and Republicans.
(For a Factbox on the keys to financial regulation reform in the U.S. Senate, double-click on [ID:nN05256609])
Regulatory reform is a top domestic priority of President Barack Obama, who wants to crack down on banks and capital markets following the worst financial crisis in decades.
Dodd in November called the Fed's past performance as a banking supervisor and consumer protection watchdog an "abysmal failure." When he made that remark, he proposed consolidating bank supervision into a super-cop for the industry to be called the Financial Institutions Regulatory Administration, or FIRA.
(For a Factbox on key players in reshaping U.S. financial rules, double-click on [ID:nN02168734])
But the FIRA proposal has unraveled as Dodd has discussed a range of compromises with Republicans and moved closer to embracing regulatory reforms watered down from a sweeping bill approved in December by the U.S. House of Representatives.
(For a Factbox on how U.S. banking regulation is structured today, please double-click on [ID:nN26145675])
The FIRA would have streamlined the bank oversight duties of the Fed, the Comptroller of the Currency, the Federal Deposit Insurance Corp and other agencies.
The Fed in recent weeks has pushed hard to preserve its role as a supervisor. Senators are discussing doing that up to a point, but stripping the Fed of its job as supervisor of a large number of state-chartered banks.
Dodd was said to be leaning toward reassigning those banks to the FDIC, which already examines many other state-chartered banks not in the Fed system, lobbyists said,
Dodd also plans to call for closing the Office of Thrift Supervision, which regulates thrift institutions.
On Friday, Dodd said he was uncertain whether bipartisan support for a compromise reform bill could be achieved. (Editing by Peter Cooney) (For a Scenarios on how the U.S. financial regulation fight might play out, double-click on [ID:nN04129297]) ((firstname.lastname@example.com; +1 202 898 8390;
Fax: +1 202 488 3459 )) Keywords: FINANCIAL REGULATION/FED
Monday, 08 March 2010 06:06:36RTRS [nN07145510] {C}ENDS
from Financial Regulatory Forum:
Kocherlakota: Fed's bank supervisory powers critical
By Ann Saphir
MINNEAPOLIS, March 2 (Reuters) - Supervisory powers over banks are critical for the Federal Reserve to do its job, Minneapolis Fed President Narayana Kocherlakota said on Tuesday.
In comments that largely echoed those made in St. Paul on Feb. 16, Kocherlakota said that a plan under consideration by U.S. lawmakers to remove those powers would be a mistake.
"The improvement in our economic situation is attributable in large part to actions taken by the Federal Reserve, actions that were possible because of the expertise and information that the Federal Reserve had acquired as a supervisor of the nation's banks," he said in remarks to a business group in Minneapolis.
"We avoided an economic depression this time. But stripping the Federal Reserve of its supervisory role would needlessly put a Great Depression on the menu of possibilities for our country."
While the current crisis was fueled by risk-taking at large banks, Kocherlakota said, the Fed needs to have access to information about small banks as well -- a point not included in his maiden speech as Minneapolis Fed president last month.
The government will likely respond to the recent crisis by tightening controls on larger banks, he said.
"Inevitably, these constraints will lead risk-taking to move from large financial institutions to smaller ones, and will increase the probability of a financial crisis in the small institutions," he said.
"Indeed, even now, the collective exposure of many smaller banks to commercial real estate may be exerting a significant drag on the overall economic recovery," he said.
Kocherlakota repeated his view the U.S. economy will likely grow at an annual rate of 3 percent over the next two years, and that unemployment will likely still exceed 8 percent at the end of next year.
Mitigating such trends, he reiterated, is relatively tame inflation -- suggesting he sees a smaller likelihood the Fed will need to raise interest rates to rein in unwanted price increases.
The Fed lowered its overnight bank-to-bank lending rate target to near zero in December 2008 to help fend off the worst U.S. economic downturn since the Depression, and has pledged to keep rates there for an "extended period."
Kocherlakota will rotate into a voting spot on the Fed's monetary policy-setting Federal Open Market Committee next year.
(Editing by Chizu Nomiyama)
((firstname.lastname@example.com; +1-312-408-8592; Reuters Messaging: firstname.lastname@example.com))
Keywords: USA FED/KOCHERLAKOTA
For Related News, Double Click on one of these codes:[M] [T] [NAT] [D] [E] [U] [MNI] [NAW] [PSC] [RNP] [DNP] [PTD] [US] [WASH] [FED] [MCE] [PLCY] [GVD] [DBT] [INT] [MTG] [FIN] [BNK] [LOA] [LEN] [RTRS] [REGS] [CEN] [MMT] [CDM] [BACT]
Tuesday, 02 March 2010 19:00:32RTRS [nNYS007815] {EN}ENDS
from Financial Regulatory Forum:
US Sen Shelby: financial watchdog powers paramount
WASHINGTON, March 2 (Reuters) - The top Republican on the U.S. Senate Banking Committee said on Tuesday that the powers granted to a new financial government consumer watchdog are more important than its location in the federal bureaucracy.
"I don't think it's a question of where it's housed. I'm going to say it again, it's what it does," Senator Richard Shelby told reporters in a Capitol hallway.
President Barack Obama's plan to set up an independent Consumer Financial Protection Agency to regulate mortgages and credit cards has been the main obstacle for weeks to a bipartisan Senate compromise on financial reform. (Reporting by Kevin Drawbaugh; Editing by Leslie Adler) ((firstname.lastname@example.com, +1 202 898 8390, +1 202 488 3459 (fax)))
Keywords: FINANCIAL REGULATION/SHELBY
For Related News, Double Click on one of these codes:[C] [D] [E] [M] [O] [T] [U] [MTL] [NAT] [GRO] [SOF] [OIL] [NAW] [PSC] [RNP] [DNP] [PTD] [PCM] [PEN] [GVD] [DBT] [BNK] [FIN] [MTG] [AGN] [REGS] [NEWS] [MMT] [FED] [CEN] [PLCY] [FUND] [INT] [MCE] [US] [WASH] [LEN] [RTRS] [DRV] [HEDGE] [CDV] [BANK] [POL] [INS] [PIL] [BISV] [FINS] [INVM] [INVS] [CDM] [EUROPE] [WEU] [G8] [GEN] [BACT] [BSVC] [G7]
Tuesday, 02 March 2010 19:04:01RTRS [nWBT013682] {EN}ENDS
from Financial Regulatory Forum:
U.S. government to enhance municipal market regulation
WASHINGTON, March 2 (Reuters) - The Internal Revenue Service has agreed to work more closely with the Securities and Exchange Commission to regulate the U.S. municipal bond market, the IRS said on Tuesday, adding the two federal agencies had signed memorandum of understanding.
"This memorandum reflects the commitment both agencies have in using all means possible to ensure the municipal bond market operates in accordance with all the laws that govern it," said IRS Commissioner Doug Shulman in a statement.
Under the agreement, the two agencies will identify issues and trends in the municipal securities industry and "enhance performance" in regulating the $2.8 trillion market.
SEC Chairman Mary Schapiro has repeatedly said that she would like to create more investor protections in the municipal bond market, which is uniquely regulated.
Because of a part of securities law known as the Tower Amendment, the U.S. government cannot regulate how states and public entities sell their debt. Instead, it can only directly regulate the market's broker-dealers and underwriters.
The Municipal Securities Rulemaking Board, a self-regulatory organization made up primarily of employees of banks and securities firms, writes rules for the brokers that the SEC enforces. In recent years the SEC has entrusted the MSRB to create and operate a clearinghouse of information on trades and new issues.
The IRS has the power to take away bonds' tax exemption if they are used to commit fraud or generate arbitrage.
Under Schapiro, the SEC has also created a new enforcement division that focuses on misconduct in the municipal securities market and in connection with public pension funds. (Reporting by Lisa Lambert, additional reporting by Dan Margolies; Editing by Kenneth Barry) ((email@example.com; +1-202-898-8328; Reuters Messaging: email@example.com)) Keywords: MUNICIPALS IRS/SEC
For Related News, Double Click on one of these codes:[MNI] [NAT] [NAW] [D] [T] [E] [U] [PSC] [RNP] [DNP] [PTD] [PCO] [PCU] [US] [WASH] [POL] [DBT] [MUNI] [GOS] [GVD] [REVS] [REGS] [GEN] [PIL] [BACT] [LEN] [RTRS]
Tuesday, 02 March 2010 20:06:47RTRS [nN02172741] {EN}ENDS
from Financial Regulatory Forum:
U.S. Senate financial reform snags, no bill Monday
By Kevin Drawbaugh and Rachelle Younglai
WASHINGTON, Feb 28 (Reuters) - Marathon weekend negotiations in the U.S Senate on financial reform failed to result in a bipartisan breakthrough, with disagreement over how much power to give a consumer watchdog office still a key hurdle.
Key lawmakers from both parties were still hopeful for a breakthrough on an issue that is one of President Barack Obama's top domestic policy priorities, but an aide to Senate Banking Committee Chairman Christopher Dodd said no revised bill will be released on Monday.
"We continue to hope for a consensus bill," said Kirstin Brost, spokeswoman for Dodd, a Democrat.
Republican Senator Bob Corker, who has been been continuing talks with Dodd over recent weeks, was also optimistic "that we will be successful in getting a good piece of regulatory reform legislation," said his spokeswoman Laura Herzog.
(For a Factbox on the key issues in the Senate's compromise bill on financial reform, double-click on [ID:nN27194850])
Brost emphasized that consumer protection remains a key area for Dodd.
"Dodd wants a consumer watchdog with teeth," she said. "He will compromise on structure, but he will not accept anything short of real change for consumer protections."
Nearly a year and a half since a severe financial crisis tipped the U.S. economy into its worst recession in decades, financial regulation has changed little, despite repeated assertions that reform is critical to avoiding another crisis.
For Congress, time is running short. Midterm elections are approaching in early November. Between now and then, Congress will be in session for perhaps 23 weeks.
In that timeframe, a bill would have to move out of the banking committee, be debated and voted on on the Senate floor and, if passed, reconciled with a sweeping bill passed by the House of Representatives in December.
Democrats are keen to see legislation sent to Obama and signed into law before the November elections, giving them a clear achievement after disappointing outcomes on other key issue such as health care reform and climate change.
Policy analysts said Republicans increasingly sense political danger ahead of November in blocking reforms and being cast as allies of the army of bank and Wall Street lobbyists who for months have been fighting stricter rules.
"The calendar is starting to become a factor," said Brian Gardner, a policy analyst at investment firm Keefe Bruyette & Woods. "All in all, I think the banking committee is headed toward getting a bill done before the end of the year."
The struggle in the Senate suggested to some that new legislation -- which many still expect from Dodd next week -- may be narrower in scope than Obama's proposals of nine months ago, and the sweeping bill passed by the House in December.
"They're going to push real hard to get something out next week," Gardner said. "There's a chance that it could be a little bit smaller" than the House bill and Obama's proposals.
Provisions that may be dropped could include over-the-counter derivatives regulation, as well as proposals to give shareholders more say in electing corporate directors and determining corporate executive pay, Gardner said.
One of Dodd's boldest proposals from a November draft bill -- to consolidate the patchwork U.S. banking supervision system into one agency -- was unlikely to make it into the committee's final bill, a source familiar with negotiations told Reuters.
Sources told Reuters on Saturday that neither Democrats nor Republicans had embraced Dodd's offer on Friday to scale back Obama's proposed Consumer Financial Protection Agency.
(For a Factbox on key players in reshaping U.S. financial regulation, double-click on [ID:nN17146028])
Dodd had circulated a proposal to make the consumer protection agency a division of the Treasury Department, instead of an independent agency, which Obama recommended. But in a setback for Dodd, his offer was rejected by Corker and Shelby, sources said.
The sources said Shelby and Corker objected to the rule-writing power Dodd proposed for the consumer division, but not necessarily to the idea of the division itself being located in the Treasury Department or another federal agency.
On the opposite side of the consumer watchdog issue, many Democrats were still holding out for an independent agency, said lobbyists and aides close to the talks.
"In our view, this language will change considerably before the bill advances to the floor of the Senate," said Jaret Seiberg, financial services policy analyst at investment advisory firm Concept Capital. (Editing by Leslie Adler) ((firstname.lastname@example.com, +1 202 898 8390, +1 202 488 3459 (fax))) Keywords: FINANCIAL REGULATION/
Sunday, 28 February 2010 23:18:12RTRS [nN28215288] {C}ENDS


text:
HourlyLess than 30 hrs/week
We need a Email Marketer who has complete access to bulk emailing software or outlook setup for sending out bulk emails. Candidates who do not have such access should not apply. Please note that using trial versions of such softwares is not a sufficient reason to bid for this position.
You should also know how to create email templates, how to embed inline images into email body and send it out.
Kindly bid if this is your area of specialty.
Client Activity on this Job
Last Viewed: 3 years ago
Hired: 1
About the Client
Melbourne 06:11 AM
Jobs Posted
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Over $20,000
Total Spent
241 Hires, 6 Active
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13,056 Hours


text:
Journal of Quantitative Analysis in Sports
An official journal of the American Statistical Association
Editor-in-Chief: Mark Glickman PhD
SCImago Journal Rank (SJR) 2014: 0.265
Source Normalized Impact per Paper (SNIP) 2014: 0.513
Impact per Publication (IPP) 2014: 0.452
Volume 12 (2016)
Volume 11 (2015)
Volume 10 (2014)
Volume 9 (2013)
Volume 8 (2012)
Volume 7 (2011)
Volume 6 (2010)
Volume 5 (2009)
Volume 4 (2008)
Volume 3 (2007)
Volume 2 (2006)
Volume 1 (2005)
Most Downloaded Articles
- Creating space to shoot: quantifying spatial relative field goal efficiency in basketball by Shortridge, Ashton/ Goldsberry, Kirk and Adams, Matthew
- A generative model for predicting outcomes in college basketball by Ruiz, Francisco J. R. and Perez-Cruz, Fernando
- Predicting the draft and career success of tight ends in the National Football League by Mulholland, Jason and Jensen, Shane T.
- Building an NCAA men's basketball predictive model and quantifying its success by Lopez, Michael J. and Matthews, Gregory J.
- openWAR: An open source system for evaluating overall player performance in major league baseball by Baumer, Benjamin S./ Jensen, Shane T. and Matthews, Gregory J.
Adjusted Plus-Minus for NHL Players using Ridge Regression with Goals, Shots, Fenwick, and Corsi
1United States Military Academy
Citation Information: Journal of Quantitative Analysis in Sports. Volume 8, Issue 3, ISSN (Online) 1559-0410, DOI: 10.1515/1559-0410.1447, October 2012
Publication History
- Published Online:
- 2012-10-09
Regression-based adjusted plus-minus statistics were developed in basketball and have recently come to hockey. The purpose of these statistics is to provide an estimate of each player's contribution to his team, independent of the strength of his teammates, the strength of his opponents, and other variables that are out of his control. One of the main downsides of the ordinary least squares regression models is that the estimates have large error bounds. Since certain pairs of teammates play together frequently, collinearity is present in the data and is one reason for the large errors. In hockey, the relative lack of scoring compared to basketball is another reason. To deal with these issues, we use ridge regression, a method that is commonly used in lieu of ordinary least squares regression when collinearity is present in the data. We also create models that use not only goals, but also shots, Fenwick rating (shots plus missed shots), and Corsi rating (shots, missed shots, and blocked shots). One benefit of using these statistics is that there are roughly ten times as many shots as goals, so there is much more data when using these statistics and the resulting estimates have smaller error bounds. The results of our ridge regression models are estimates of the offensive and defensive contributions of forwards and defensemen during even strength, power play, and short handed situations, in terms of goals per 60 minutes. The estimates are independent of strength of teammates, strength of opponents, and the zone in which a player's shift begins.
Keywords: adjusted plus-minus; plus-minus; hockey; NHL; performance analysis


text:
10 Steps to Pick the Right Doctor
Whether you need a primary care doctor or a specialist, these 10 steps will ensure you find the right doctor for you. View Slideshow
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text:
Most of my time has been taken up by this sweet face!
Isn't she cute?!?
I figured it was about time that my older girls get some time with mommy. I wanted to make some play-dough but decided to make this slime when I found the recipe in my grandma's cookbook. I'll share it with a warning: this is really, REALLY messy stuff, but my girl's loved it and had a blast. I would suggest aprons and an outdoor location or at least cover your area in plastic in playing.
Okay so to make the slime you need:1/2 cup of cornstarch 2 cups of water food coloring Mix the cornstarch and water in a sauce pan and bring to a boil stirring constantly.
Once it looks smooth and has thickened move it off the burner and let cool to room temp.
Once it is cool spoon out for the kiddos to play with. Sit back and feel like a rockstar mom cause you made something fun and messy for your kids to play with.
What fun kid recipes do you have?
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This recipe was in your grandma's cookbook?! She must be one cool lady!
Bobbi Says: June 8, 2011 at 7:46 pm
I love it! My girls are going to love this. Thanks for the idea!
Misty Says: June 8, 2011 at 8:41 pm
Ew Gross! Or as my almost 6 year old would say "Wow Mom! That's Awesome! Can I slime my brother?"
Oh yea, I am totally going to become mother of the year in my boys' book!
Thanks for sharing…I think. lol
Marissa Says: June 9, 2011 at 8:52 am
I make this with my third graders- except I call it Oobelek-it's a great science experiment! We read Dr. Seuss's Bartholomew and the Oobelek. My recipe is a little different, though- two cups cornstarch to 1 cup water. It has properties of a liquid and a solid- very cool!
[…] Things that are gooey and messy are incredibly fun to play with. I totally understand the appeal of things like green slime; I am, after all, of the old-school Nickelodeon generation. Here's a Nick-worthy idea from Becky at The Crafting Chicks: using things you most likely already have on hand, she made super-duper messy green slime for her daughter. (Becky recommends playing with it in an outdoor space or putting down a plastic drop cloth in your play area!) The fun quotient will make the cleanup totally worthwhile! [how to make slime] […]
Slime always keeps my kids occupied a long time. Both making it and playing with it is great fun!
yessica Says: February 28, 2012 at 7:49 pm
I have been looking for a slime that didn´t has for ingredient borax! This is great for my kid to play with! Thanks do much!
megan Says: March 28, 2014 at 8:55 am
When do you add the food coloring? Does that go on before it boils or while it's cooling? Thanks, this looks like a lot of fun 🙂


text:
New Colorado law could bring more drivers with marijuana through Oklahoma
Know someone thinking about traveling to neighboring Colorado to pick up a small stash of newly legalized marijuana?
Consider a bit of advice from Cimarron County Sheriff Kevin McIntire, whose Oklahoma Panhandle county sits hard against the Colorado border.
"Don't speed."
McIntire expects to see a boost in the number of buzz seekers passing through his county after 53 percent of Colorado voters last week voted in favor of Amendment 64. When it takes effect in 2014, the new law will allow anyone over 21 to buy up to an ounce of marijuana from specialty retail stores in the state.
U.S. 287 comes straight out of Denver through Cimarron County and on toward the Dallas area. McIntire said the easy availability of marijuana in Colorado is sure to create a steady flow of customers traveling through his rural county of about 2,500 residents in farthest western Oklahoma.
McIntire speaks from experience. During his two years as sheriff, he said about a quarter of his department's marijuana arrests involved state-authorized medical marijuana users from Colorado. Most are the result of traffic stops on U.S. 287.
"Most of the time they either believe it's perfectly fine to have it because of their card from Colorado," McIntire said. "Once it's explained to them, they're not usually happy with the fact they're going to go to jail."
New markets opened
Agents for the Oklahoma Bureau of Narcotics and Dangerous Drugs Control have seen a steady flow of drugs out of Colorado since passage of a 2010 law involving medical marijuana dispensaries in the state, spokesman Mark Woodward said.
A similar pipeline opened across the state about a decade ago when California approved marijuana for medical use.
"We have seen large loads of high-quality, bulk-processed marijuana coming across Oklahoma highways to the East Coast for sale," Woodward said.
Passage of the new recreational use law in Colorado opens up the availability for new markets all over the country, Woodward said.
He pointed out the strong demand for the high-potency, medical-grade marijuana, which he described as "some of the most powerful grown on the planet."
"There's going to be people willing to step in and try to profit off it … knowing that I don't have to do a back-alley deal to get Mexican marijuana, I can simply drive to Colorado and get some of the best there is," Woodward said.
As more states legalize marijuana use and availability increases, so will illegal trafficking, Woodward said. Eighteen states and Washington, D.C., now allow medical marijuana, while Colorado and Washington last week became the first two states to legalize recreational use.
Federal law, as well as Oklahoma law, still says marijuana is illegal.
"Whether it's coming from Chihuahua, Mexico, or Colorado or Sacramento, (Calif.), we're going to deal with it the same way," Woodward said. "It's illegal here, and if they bring it through the state, they're going to get the same punishment as any other trafficker or distributor."
Changing attitudes?
Norma Sapp, Oklahoma state director for the National Organization for the Reform of Marijuana Laws, agreed some will try to take advantage of Colorado's new law.
"I'm assuming there probably will be stupid people that will try to bring it back in to Oklahoma," she said.
Still, she believes that more and more, attitudes about marijuana use are changing. A 2011 Gallup poll found that 50 percent of Americans favored legalizing marijuana use while 46 percent were opposed.
Sapp, of Little Axe, said she's been fighting for legalization of medical marijuana in Oklahoma since 1990. She believes average Oklahomans, for the most part, are indifferent to the issue. Her challenge, she said, is convincing lawmakers subjected to decades of drug war rhetoric. Sapp thinks this could be the year. She's hoping a legislative study on medical marijuana use will provide the evidence needed to convince legislators.
"I think they're just ignorant," she said. "They don't know the truth."
Until lawmakers are swayed, McIntire's four-man sheriff's department out in Cimarron County expects to keep busy with those seeking to get high. On any given day, about 95 percent of the county jail's occupants are out-of-towners who were just passing through. As for those found with small amounts of marijuana? Expect a fine and consider bringing a good book. Simple possession of marijuana is usually a misdemeanor in Oklahoma.
"They usually have to spend a night or weekend in jail," McIntire said.


text:
Arrive in Valparaiso. Embrak Le Boreal between 3:30 and 4:30 this afternoon. Settle in to your cabin and familiarize yourself with the ship and her crew.
As your ship sails southward, continue to explore your ship and discover her amenities. Take a moment to enjoy the sea breeze from the deck and keep an eye out for marine life and birdlife that may be following you on your journey.
Today, join an optional excursion to discover Castro and its remarkable churches by coach. Leave the pier, crossing the Gamboa River. Look out for the palafitos, wooden houses built on stilts that characterize the island. Continue to Vilupulli Church, a National Monument; then its on to Chonchi, the "three-story town" whose houses are arranged in steps on a hillside. Stop at the Museum of Traditions before returning to Castro and making a visit to the San Francisco Church and the city's main plaza. Make one final stop at the colorful craft market on your way back to the ship.
Choose from a full-day or two half-day optional excursions when you call at this port. Make a day out it when you go to the Petrohue Waterfalls and Todos Los Santos Lake. First, take a motorboat cruise on the Lake, also known as Emerald Lake, and enjoy views of the surrounding forest and snow-capped peaks. From here, travel to the Petrohue Rapids by coach and take a nature walk to get a better look. Finally, stop at Puerto Varas for breathtaking views of Lake Llanquihue and Mount Osorno. A shorter, half-day excursion also takes you to the Petrohue Rapids, where you can enjoy the spectacle of the inky-green waters as they crash through lava channels formed after the eruption of the Osorno in 1850.
Alternatively, enjoy a pleasant half-day city tour of Puerto Montt, the Lake District capital, and nearby towns. A coach brings you through several scenic ares, providing stops to explore along the way.
Enjoy the views from the deck as your ship enters into a vast network of fjords. The scenery continues to change as you make your way south.
Call early this morning in Tortel, Chile. Located between the Northern and Southern Patagonia Ice Fields, Tortel enjoys a unique position and provides and excellent entry point for your Chilean Fjord explorations.
There are no port calls scheduled on these day, as your time is spent navigating the fascinating system of fjords along the Chilean coast. Be sure to have your camera on hand for the spectacular views that are yours to behold.
Puerto Natales offers direct access to the remarkable Torres del Paine National Park, where you can appreciate a variety of natural beauties here at the end of the world. Choose from two full-day optional excursions to discover more. Join a panoramic coach tour that brings you to Sarmiento and Norenskjold Lakesm as well as to the Salto Grande, a grand waterfall. Here you habe time to walk around and get a closer view for photos. Enjoy lunch at a hosteria in the park before a relaxing ride back to the ship.
Alternatively, choose to join a trekking tour of this UNESCO World Heritage site. Leave your coach at Grey Lake to walk through forest and sandy terrai to reach Grey Beach. From here, observe iceflows in the distance. Continue trekking along the lake to get closer to the glacier. Enjoy lunch in the Serrano area. After, start heading back but along the way there are plenty of opportunities to take in the incredible landscape around you.
As you round Cape Horn, you have reached the southernmost tip of the continent! Take in the scenery, crack open your book, or take advantage on onboard amenities while your ship sails these historic water ways.
Following breakfast on board, disembark your ship. Transfer to the airport for your homeward flights.


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UPDATE: Please click here to enter the Super Bowl Raffle: http://dkfightsals.com/I was diagnosed with ALS in September 2011. I am thankful and fortunate to receive incredible support from Boston College, family and friends. Yet, going forward, I face expenses beyond my means. Chief among them are the cost of personal care assistants and of a handicap-accessible van. Thus, I humbly seek your help. My story has been written about by some wonderful writers. I would like to share some of those stories with you.Sports Illustrated
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Spectators brave the rain at Pan Pacs on the Gold Coast. Photo: Chris Hyde
The Pan Pac "test run" for the Gold Coast aquatic centre ahead of the Commonwealth Games may have been marred by rain.
But Minister for the Commonwealth Games Jann Stuckey believes wet weather won't be a problem for the 2018 event because it is due to be held in April, which she said was a drier month.
Queensland's coastline was lashed by unseasonable rain over the last two weeks. August is traditionally one of the drier months of the year, but two rain depressions moved across the state bringing more than a month's worth of rain in a couple of days.
Crowds at the Pan Pacs copped a drenching in the un-roofed swim centre. Photo: Matt Roberts
Pan Pac fans and athletes were forced to sit through the deluge, as the $41 million Gold Coast Aquatic Centre does not have a roof. The wet weather also led to the cancellation of the open water events, which will now be held in Hawaii during the junior Pan Pacs.
Outside cabinet, Ms Stuckey said the event was a success.
"What we saw over the last few days were some fantastic records being broken, a bag full of medals from the Aussies and a facility that showed that it can work under extreme pressure," she said.
The Gold Coast aquatic centre, where swim events will be hosted at the 2018 Commonwealth Games. Photo: Chris Hyde
"There will always be a risk of rain, but it is a small risk on the Gold Coast the Pan Pacs are held during August, that time cannot be changed and we will be holding our Commonwealth Games, of course, in April, which offers a lot better weather.
"What we saw was unseasonable weather but we also saw some fantastic records being broken. You have to say the pool has really given up some great times the athlete found the facility to be a really state of the art one and as far as we are concerned, the Pan Pacs were a success.
"The contingencies in the original plans will allow for considerations in the future. It has been a great test run and I congratulate, particularly our Aussies for their fantastic effort."
Fellow Gold Coast MP and education minister John-Paul Langbroek said the weather was something "we can't control" and putting a roof on the aquatic centre was something the government "would look at in the wash up".
"There is a trend to have outdoor swimming competitions, and I am confident that whilst we can't control the weather, we'll make every plan to make sure that the Games are successful in 2018, just as the Pan Pacs were actually successful as well," he said.


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Evergreen Highlands — Second-graders at St. Joseph Catholic School should be able tell you anything you want to know about native Southwest Washington bats after Oct. 25 or "Bat Tuesday."
Every year, the day is devoted to studying the nocturnal creatures. This year, thanks to donations from local businesses Arciform LLC and Parr Lumber, each student constructed a bat house to take home.
Bat house kits were assembled by students with the help of parents and volunteers.
"There is a lot of misconception about bats," said Sara Phillips, second-grade teacher. "Our intent is to demystify the critters and celebrate them as part of our local habitat."
Second-grade teacher Gina Houser started the program 10 years ago. "Most people don't know that 50 percent of bat species are endangered species. Building the bat houses literally gives every child the hands on experience to help the environment," Houser said.
You can view photos of the students building bat houses at http://www.columbian.com/photos/galleries.


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Re: Want to be debt free with min. Cards
Would you close any? I'm mostly worried about not noticing a fee/ fraudulent use with so many cards... I had suspected that cutting/ closing would hurt us, but I think the temptation of a bored Sunday afternoon shopping trip is also scary. Do you think if we did some paying off/credit limit increases it would help to balance out the closing? Even just to take in down to a few cards each, sad thing is I'm a fairly organized person but the Baggie of cards and their balances have always been my downfall.
(1,239 Views)


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About Alchemy
Alchemy is the global leader of innovative solutions that help food companies engage with their workforces to drive safety and productivity. Over two million food workers at 15,000 locations use Alchemy's tailored training, coaching, and communications programs to safeguard food, reduce workplace injuries, and improve operations.
From farm to fork, Alchemy works with food growers, manufacturers, processors, packagers, distributors, restaurants, and retailers of all sizes to build a culture of operational excellence.
Our Vision
Alchemy's vision is to ensure a safe, high quality global food supply through a food industry workforce that is highly productive, always safe, and positively engaged.
Our Mission
Alchemy's mission is to help food companies optimize their front-line workforce performance through training, coaching, and communications programs to meet their safety, quality, and productivity objectives.
Our Values
We Are Customer Driven
- Delight customers with adaptable solutions that create cultures of excellence
- Deliver on commitments and aim to exceed expectations
- Strive for superior quality in our products and services
We Value Each Other
- Multiply our effectiveness by fostering a culture of empowerment and collaboration
- Act ethically, treat people fairly, and communicate open and honestly
- Acknowledge and celebrate exemplary performance
We Are Focused on Growth
- Sales, Quality and Innovation are everyone's job
- Do things right, every day, to provide quality solutions
- Always look for opportunities to create and provide value
We Are Transformative
- Anticipate opportunities and be proactive with creative solutions
- Promote and encourage innovation with a sense of urgency to solve customer problems
- Develop superior skills and excel at everything we do
We Are Passionate About What We Do
- Passionate about our ability to help save lives and impact our community
- Demonstrate enormous energy towards excellence with rigor and speed
- Never be satisfied and challenge the status quo
We believe our people are our greatest asset. It is the teamwork of "Alchemists" (Alchemy employees) that makes our company successful. An environment of innovation and collaboration is strongly encouraged, making Alchemy a very dynamic and progressive workplace.
Management Team
Jeff Eastman
Chief Executive Officer
Rick Hoffman
Chief Operating Officer
Perry Barth
Chief Financial Officer
Archie Barrett
Chief Technology Officer
Raj Shah
Chief Marketing Officer
Steve Best
EVP of Sales
Michael Holland
EVP, Ontrack Solutions
Erin Silver
VP of Customer Operations
Laura Dunn Nelson
VP of Business Development
Ric Agostini
VP of Communications Programs
Jeff Chilton
VP of Professional Services
Jeff has over 30 years of experience in the food industry, specializing in food safety, quality assurance, and plant management. Prior to Alchemy, Jeff was the founder and President of Chilton Consulting Group for 18 years assisting clients achieve GFSI certification under the SQF, BRC, or FSSC 22000 standards along with HACCP and Regulatory Compliance services. Jeff is a certified SQF Auditor, SQF Consultant, SQF Trainer and International HACCP Alliance Lead Instructor. Prior to starting CCG, Jeff was a Plant Manager at two large food processing companies and the Director of Quality Control. Jeff earned his Bachelor of Science degree in Marketing and Management from Tampa College, Tampa FL.
Jeff Eastman
Chief Executive Officer
Rex Niles
Robert McCarthy
William White
Brian Sauer
The Alchemy Story
In 2003, Alchemy Systems was formed to address key food industry issues such as employee turnover, regulatory compliance, and crisis management. Our business model created an interactive training experience that would engage large, diverse workforces, while providing the documentation needed for critical audits.
Fast forward a decade later and we are proudly working with over two million workers at more than 15,000 locations worldwide. We continue to focus on ensuring a safe, high quality food supply through a food industry workforce that is highly productive, always safe, and positively engaged.
In January 2013, Riverside Company, a global private equity firm, acquired Alchemy.
"I love working for Alchemy because of all the positive changes we are creating and developing as a company. I take pride in the work we do – the potential for growth as a company and individually are very exciting."
Marnie, Creative
"I love working at Alchemy because the team spirit is very positive, cooperative, and anxious to achieve bigger goals."
Carlos, Technical Services


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A Problem with Aristotle's Ethical Essentialism
Machan, Tibor R., Libertarian Papers
This discussion is motivated by both my sympathy with Aristotle's meta-ethics and my problems with certain elements of his ethics. I consider naturalist cognitivism sound. Ethics has to do with the nature of the being to which the principles, virtues, guidelines to action or what have you, apply. When we judge something good, we do so because we know what kind of thing it is and then check whether it is fully consistent with the implications of its nature. So a tomato is a good one if it is as fully developed in its essential respects as possible. With human beings, too, they are good ones of their kind if their essential or central potentialities are fully realized in their particular circumstances. That seems like a very promising way to tell whether something is good or bad or mediocre, despite a good deal of derision the approach has received throughout the history of ideas.
Though Aristotle's meta-ethics has much going for it, there are some liabilities that arise from how he establishes the nature of the human good, namely, by reference to the distinctive human essence, not human nature itself. Because of this Aristotle stresses rationality, not being a rational animal, as normatively central in his philosophy. In consequence, he can favor at least a certain type of slavery and entertains certain misguided notions about the proper place of women. And there is also his conception of wealth seeking as of merely instrumental value, not capable of being a virtuous pursuit.
So I am trying to figure out if there is some way to rescue the naturalism without throwing out the baby with the bath water, as it were. I believe the problems in Aristotle can be fixed and that's what I want to address.
To start with, even though naturalism may well be sound, essentialism might not be, given a certain way of understanding the essence of something--namely what differentiates it from its genus. It is quite possible for one to arrive at a misconception of the nature of something by focusing only on the differentia and neglecting the genus. Such a misunderstanding can result in the distortion of standards, very likely leading to misjudgments as to what is good or bad, right or wrong.
This discussion is motivated, as noted before, by my concern with another area, namely, professional--in particular business--ethics. I am very concerned, in my scholarship and teaching of business ethics over the years, that there is a basic bias against the professional of business. There has always been this problem of where the idea comes from that business somehow does not manage to be as honorable a profession, akin to education, medicine or even law. In my view some elements in Aristotle's ethics contribute to this bias and I think that some corrective adjustment in Aristotle's conception of human nature would also help to see business as every bit as honorable a profession as many of these others are. One often hears the response when one tells of teaching business ethics, "Well, isn't that an oxymoron?" Nobody says that with medical ethics. They do say that with military intelligence, and people in the business world are often denigrated in literature. In works such as Death of a Salesman people who are in sales and marketing and business in general, from top to bottom, come out looking pretty bad.
Generally, the culture is ambivalent about business so that as much as we depend upon the works of people in this profession, they are morally evaluated mainly on the pro bono work they do or do not do. In short, whether they are socially responsible. While few ask a teacher, "Have you taught the poor lately?" because teachers are morally upstanding by virtue of being teachers, that's not so with people in business.
Where does the intellectual support for this come from? You can find it certainly, first of all, in Plato's Socrates--or, let me say in deference to certain specialists in Plato's philosophy, a certain prominent rendition of Plato's Socrates. …


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Towards a Stable Afghanistan?
Habig, Cornelia, Hampton Roads International Security Quarterly
There is no question that the military commitment in Afghanistan must come to an end at some point. Yet how to achieve the country's permanent stabilization is an issue not yet resolved. The debate centered on a regional approach.
While Saturday's agenda focused on the changes in the Arab world, Afghanistan was the key issue of the speeches and debates on the last day of the conference. Germany's Foreign Minister Guido Westerwelle stressed the importance of a change of strategy while Afghan President Hamid Karzai put forward a surprising argument, saying that from his point of view, 'parallel structures' had emerged in his country, which slowed down a more rapid progress in nation building. With this term, Mr. Karzai did not refer to the narcotics industry or a similar issue, for instance, but to the NATO member states' Provincial Reconstruction Teams (PRT), the presence of private security companies, and funding channels that bypassed the Afghan authorities (and directly sponsored specific projects instead). The transition to Afghan responsibility had to be accelerated, the Afghan President suggested. He did not, however, go into detail on the issue of the Afghan institutions' present ability to fulfill these roles.
Afghans will have to find their own way
The second panel discussion on Afghanistan started late in the morning. Among others, the debate featured NATO's Supreme Allied Commander Europe Admiral James Stavridis, U.S. Undersecretary of Defense for Policy Mich le Flournoy and Afghan National Security Advisor Rangin Dadfar Spanta. Mr. Karzai's theses played an important role but were put into perspective. According to Mr. Spanta, the President intended to encourage the transfer of responsibility from the PRTs and operational forces to the Afghan government forces. Afghans were a proud people and wanted to find their own way.
Regional approach for authority transfer to Afghan forces
The participants agreed that a permanent military mission did not make sense in the long run. It was the Afghans' job to ensure the country's sustainable stabilization whereas NATO and its partners were limited to rendering support. The districts had to examine individually which strategy to choose in order to effect a transfer of responsibilities to the Afghan government and its security personnel. People had to become confident with the local sytem represented by their government, Ms. Flournoy explained. NATO Supreme Allied Commander Europe Admiral Stavridis reported from his visit to the trouble spot provinces of Kandahar and Helmand in Southern Afghanistan one week ago, where he encountered significant progress. …


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"Château du Haut-Kœnigsbourg" Top 5 Page for this destination Orschwiller by JLBG
Orschwiller Travel Guide: 29 reviews and 111 photos
Though Haut-Kœnigsbourg is one of the most visited sites in France outside Paris, it is not in VT location database. I have built my page under the nearby village of Orschwiller as Haut Kœnigsbourg castle stands on the territory of this community.
The Haut Kœnigsbourg castle stands on the Staufenberg, a rocky spur of the Vosges mountains and overhangs the plain of Alsace. It can be seen from far away and once you have seen it from the plain, you want to visit it.
Several web sites are dedicated to the Haut Kœnigsbourg castle. I will mention two, The official Haut Kœnigsbourg site and the school children's Haut Kœnigsbourg site built by the children of a scool in Sélestat that have dedicated one year to study the castle and build this site.
Reviews (14)
The Haut-Kœnigsbourg is seen from far away in the Alsace plain, then, no wonder that the sight is wide! The first photo... more travel advice
We soon saw among the trees the silhouette of a ruin (first photo). When we were closer (second photo), the ruin looked... more travel advice
When we left the Haut-Koenigsbourg, we found that besides the path that went down to where we had parked the car, there... more travel advice
This carved stone stands by the side of one of the path that lead to the castle. What is it? At first, I felt that might... more travel advice
Comments (10)
What a wonderful Castle, love it !
What a wonderful castle with a great view of the area. And you even discovered another smaller one nearby! Great page with beautiful photos.
Enjoyed the mysterious forest path photo. Your history of castle was terrific. Would you go back [without the dog] to see the inside?? The smaller castle above was a nice "find". Great work.
What impressive castle! Excellent photos and good text.
Très belle page. Felicitations!
Impressive castle with wonderful views of the countryside.
Wow, I didn't know that Haut-Koenigsburg has a little village inside! Looks fascinating!! Oh, the bull's eye, can this be a murder hole? And your stone could be your next mysterious question, but why not ask the forum?
Château du Haut-Kœnigsbourg looks like an interesting castle to visit and the walks in the woods around sounds to be very nice. I would defenitly enjoy visiting this place!
What a beautiful countryside. Although you can't tell by looking at me, hiking is one of my favorite activities. A walk through the forest path would have been reason enough for me to make this trip.
Wow J-L, this castle that seems to have 9-lives is truly spectacular!! Very impressive battlements, towers and gates located in a scenic environment. I like the looks of your walk through the beautiful forest too.
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Rosslyn Academy
Lorenzo Mendoza
A quick look into Rosslyn Academy in Nairobi, Kenya. Rosslyn is a Christian school based off the American schooling system. Although a short book like this can not and could provide a comprehensive look into Rosslyn, hopefully it will give a good taste.
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Perfect Eyelet Placement-Great for Paper Piercing Too
I bought a large piece of plastic canvas at a craft store for less than 50 cents. I cut a piece 12 x 12 as a template for an entire page - can use it around the page edges, across the top, or bottom, or sides, really whatever you want on your page and my eyelets are always perfectly spaced. I also use this same template to pierce my paper for hand stitching. I cut some smaller templates out of the remainder of the piece to use on smaller things like tags, frames, titles. You can also purchase (again very inexpensive) plastic canvas shapes (hearts, squares, stars, circles) and use them to mark shapes for eyelet setting or paper piecing. Also same technique can be used to mark placement of photos, embellishments , etc (I use a pencil for this). Very inexpensive, no need for allot of different eyelet templates, layout templates, paper piercing templates, etc.


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Re: Pre screened offers continue
astritaho1979 wrote:
jake619 wrote:
astritaho1979 wrote:
Dont pay attention when they tell you 700 is a good score.Yea ok you can get credit like 2k limit and all that but if you had like 740 you could get more like 15k limits.Now thats the difference.Now my friend i dont wanna be hursh on you but thats the honest truth
You are aware more goes into a CL assignment than FICO, right? BTW - you're about to start a flame war...
are you refering to me or its just what you just said dont make any sense for real
You might want to read your sentence before you try to rip on someone else's grammar.
FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
(858 Views)


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Welcome to MountainBikeTx.com
"Your Texas Mountain Bike Resource"
It should go without saying, but in light of recent rains, snow, and tornadoes, many trails are not rideable. Do your part and avoid riding wet or damaged trails...better yet, get out there and lend a hand getting them back in shape.
Our thoughts go out to those most affected by this wide range of weather that Texas has experienced and continues to experience.
You may not realize it, but Texas is arguably the greatest state to be in when it comes to mountain biking. We may not have the classics, such as Crested Butte or Moab; however, we do have an IMBA Epic trail and when a single state offers the diversity that Texas does...well, you be the judge.
From sandy beaches with nearby crashing surf, to true mountain descents amid large desert lizards; singletrack laced with an intricate web of slick roots as you barely scrape by an unforgiving hardwood, to singletrack covered by so many loose rocks that you struggle to keep your rear tire from losing grip while your legs curse at your desire to reach the next crest.
This is Texas mountain biking, and you wouldn't want it any other way.
Access to all of our content is completely FREE! We do not charge a dime for access to the information we provide or have collected, nor will we ever. More importantly, the information on these pages is regularly updated and completely accurate 99.9% of the time. In other words, our information is of actual use to you. Better yet, all of this without being inundated by advertisements!
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Angels Fall First by PauBuenoZWatch
©2011-2016 PauBuenoZ
Congrats! your artwork: 'Angels Fall First' Has been chosen to represent Watttpad's Dragoncherry book: 'The Butterfly Orb'
Other works feature 'Storm Breaker' and 'Eye for a Crystal' by Capricorns on Fanfiction PRESS.
thank you for being our tribute and consulting Quotev!
I just love angels. They're so beautiful. Amazing artwork!
This art is so wonderful! The angel has so much beauty and is so adorable! This art is one of the most magnificient I've ever seen on DeviantArt...probably it's the most gorgeous
Really really nice work !
I love it!
Nice work .
beautiful !!!
Great concept .
sorry for the late comment.but this is beautiful
amazing painting
...beautiful <3
Amazing! I love it
This is stunning
Magnifique !! Wow!
Esto esta brutal
Love the lighting here - it's great!
Vraiment très beau j'adore.
wow!!!!!!!! i love it!!!!!!
gorgeous work dear
very very beautyfull!! fav!!
wonderful work
Great lighting, Beautiful artwork.
Beautiful work..
this is amazing
This is so beautiful, I love it!
wowwwwwwwwwwwwwwww amazing


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hired 1 time on Thumbtack
We repair, replace and install garage doors and openers valley-wide. We specialize in service and carry a wide array of parts on our trucks.
We are a family-owned and -operated business. We are licensed, bonded, insured and BBB accredited with an A+ rating.
Glendale, AZ 85308
- Email verified
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You are a fan of whatever driver ? Come to discover the best forums whatever driver on the internet and share your experience with a community fan of whatever driver . You can also build a forum whatever driver and create your online discussion.
hear from the driver throughout the season about all issues from results to the "behind-the-scenes"
racing, hear, from, #driver, throughout, season, about, issues, results


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My name is Ryan Richardson and I offer a blend of photojournalistic and traditional photography for you special day. Whether you want to elope on the (more)
Wedding photography covering New England, Cape Cod and the Islands. Packages are available along with customized coverage using one or multiple photographers. (more)
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Posted on September 9, 2011 in Running Apparel
The advent of packable, lightweight running jackets isn't an entirely new concept, but the Sugoi Hydrolite Jacket is absolutely original. Sheer and intriguing, it features an "intelligent fabric" that reacts with water to create a moisture-blocking membrane. The film-like surface visibly activates as beads of water roll off of it, leaving a trace of "lifted" […]
Tags: Hydrolite, Intelligent fabric, lightweight running jackets, Sugoi, Sugoi Hydrolite Jacket, weather-resistant shells
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