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Herman Cain will never be president of the United States because he doesn't understand the Occupy Wall Street protests and makes such statements as "If you're not rich, it's your own fault."
Millions of Americans played by the rules, worked hard and have no home because bad eggs on Wall Street who got filthy rich created subprime mortgage pots and complicated derivatives they didn't even understand.
These same hotshots fought bitterly against new regulations to make what they had done illegal. The regulations were signed into law by President Obama. Now Wall Street and GOP congressional leaders are fighting to undo or at least weaken them.
Like the protests against the Vietnam War 40 years ago, today's protests are born of growing frustration and resentment over the irresponsible use of business and political power. Like those anti-war protests, the current protests will spread around the nation and will have stunning ramifications.
Of course, an American man or woman can still have a great idea, work hard and become wealthy. But it is also true that 26 million Americans don't have jobs because of the bad economy. Just try getting a loan to start a risky new business today. If you're lucky enough to have a job, just try retiring after the economy has blown a huge hole in your 401(k).
The ill-structured, sort of loopy Occupy Wall Street movement is powered by the young, just as the anti-war movement was in the beginning. But as messy as it was, the anti-war movement begat huge changes in American society and politics and so will this one unless it dies out or is co-opted.
The anti-Wall Street protests, rapidly spreading from coast to coast, are born of the unfairness rampant in America. We Americans have prided ourselves on our insistence on fairness. But there is little fairness today.
Immoral, not illegal
At his latest press conference, Obama was asked why nobody went to jail for causing the economic meltdown, with its huge collateral damage around the globe. He said it was because a lot of what was done was not technically illegal, just immoral. That's why, he said, financial regulations to clean up Wall Street that were passed with great difficulty mere months ago must not be discarded and why the new consumer fiscal watchdog agency must not be weakened. (Even in all this turmoil, what are banks doing? They're imposing new fees.)
Like the amorphous Tea Party, which almost put the country into default, it is difficult thus far to know what the Occupy Wall Street movement wants to accomplish. The Tea Party too sprang from dissatisfaction with the way the country is being run, but along the way it got enmeshed in denial of basic science such as evolution and climate change, abortion, prayer, resentment over bilingualism and a host of unrelated issues.
The fledgling anti-Wall Street movement will not make that mistake because its supporters include many young people less interested in a conservative social agenda than in finding jobs and punishing corporate greed and CEOs who are sitting on huge profits and lack vision. Their hero is not Mitt Romney or Herman Cain or Rick Perry but the entrepreneurial, imaginative, the late, low-key Steve Jobs.
Ann McFeatters, a Scripps Howard News Service columnist, has covered the White House and national politics since 1986.


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How to Break Up with a Long Term Boyfriend
Breaking up with somebody you love is hard, especially if you have been together for a good length of time. However, in a lot of circumstances it can be the best thing to do for both parties involved in the relationship. Here are some tips on how to break up with a long term boyfriend.
This article has been tagged as a stub.
That means it's off to a good start, but still has room to grow into a more helpful resource. Until the article reaches its full potential, it will be hidden from search results. Can you help it flourish? If you think the article offers complete and accurate instructions, feel free to remove this tag.
1It will probably be very hard to do this, but the best thing to do is just say it. Don't just walk up to him and say "i want to break up with you" with no explanation, but don't go beating about the bush, either, as it will just make things worse.
2Make sure that you do it in a place where you can be alone, and where there is nobody else around to interrupt or spread rumors if you are overheard. Also, make sure you are both as comfortable as possible.
3Get yourself into a confident state. Remember that you are doing the right thing-a relationship where one of you isn't happy is hardly a relationship at all.
4Tell him that you think it would be best if you went your separate ways. Make sure that he knows it isn't his fault, tell him why you want this, and also tell him that you want to remain friends.
5Try to remain friends afterwards, but keep in mind that you can't rush things. Just take things slow, and if he doesn't want this or everything is too awkward and doesn't get better, either initiate a friendly conversation or just face it and move on. You are amazing and you're sure to find love again!
Community Q&A
Ask a Question
- Don't feel under pressure from others to find a new guy or get back together with him!
- If you're leaving your boyfriend because he was a jerk to you, explain to him that you were unhappy. Be civil, but you don't have to maintain a relationship as friends after the breakup.
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Streamlined unit reduces muzzle flash with four, 15° helical flutes. Provides Vortex technology for Remington 700 Tactical, Savage, and AR-style .308 rifles. Grooved to accept a Smith Enterprise Direct Connect sound suppressor. Comes with 5⁄8"-24 thread pitch and .735" thread length or .635" thread length to fit Savage 110 FCP bolt action and AR-style .308 rifles with the shorter thread spec, including DPMS and Noveske. Also fits 6.8mm SPC rifles with these muzzle thread specs.
SPECS: 8620 steel. Parkerized, black, matte finish. 5⁄8"-24 tpi. .735" - 215⁄16" (7.5cm) long, .905" (2.3cm) dia. 3.9 oz. (112g) weight. Fits Remington 700 Tactical and AR-style .308 with .735" thread length. .635" - 3" (7.6cm) long, .905" dia., .635" thread length. 4.6 oz. (130g) weight. Fits Savage 110 FCP and AR-style .308 rifles from DPMS, Noveske, and others.
Mfr Part: 1000VG6A3
Caliber: 30 Caliber (.308)
Size: .905
Threads: 5/8-24
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Seniors Special
|Did you know that seniors at the age of 55 and above get 10% discount in all the South American Best Western Hotels?
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A means of transportation gained by asking people, usually strangers, for a ride in their automobile or other road vehicle to travel a short or long distance.
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From which point near the NSW/QLD border does it become legal for pedestrians to walk along the M1 (Pacific Highway)?
Two days ago I was hitchhiking back to Sydney from Queensland. I'm sure it's legal to walk along the M1, Pacific Highway on the NSW side since there were signs about bicycle crossings, no signs ...
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What are the options of getting from Beyneu to Aktau in Kazakhstan?
I'm going by Train from Moscow to the Kazakh village of Beyneu. From there I'll either hitchhike or take a marshrukta to Aktau. How easy is it to find a Driver willing to take you to Aktau at 16:30 ...


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"Port of the Privateers" Liverpool by Cashee
Liverpool Travel Guide: 38 reviews and 95 photos
Reviews (4)
During Privateer Days (end of July), there is s graveyard tour that is fun. Tour guides take you along to tell some... more travel advice
I haven't stayed here but I've spent plenty of time on Summerville beach. I can tell you that this is an upscale place... more travel advice
The rate at this place depends on the type of accommodations you want. You can get a house, a cottage, a cabin, or a... more travel advice
Every year my home town has a festival when we celebrate what our town was built upon... privateering (a leagal form of... more travel advice
Comments (6)
Hmmm Liverpool... how is the european fodball in town ... ? ;-)
Nice pages--you're really moving on here. Keep it up. Hope all's well, Ed.
I think I'll take a cottage there more my style.......Nice work here.
Hello Cathy,thank you for adding me to your friends' list:) Nice photo. Greetings from Poland.
I did not get to see the festival celebrating legalized piracy, but I did get to see the yellow submarine and spend time in neary Kirkby with "me mates"!
I look forward to seeing pictures from your hometown. I bet it is beautiful there.
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Silicone Adhesives and Sealants Information
Silicone adhesives and sealants have a high degree of flexibility and a very high temperature resistance (up to 600° F), but lack the strength of other epoxy or acrylic resins. They are based upon silicone elastomeric technology.
Silicone adhesives and silicone sealants are available in two-component addition or condensation curing systems or single component RTV forms.
Room temperature vulcanizing (RTV) forms cure through reaction with moisture in the air and give off aciatic acid fumes or other by-product vapors during curing.
Technologies or cure systems for silicone adhesives and sealants are usually defined as:
Pressure sensitive
Radiation cured
Moisture cured
Pressure sensitive silicone adhesives and sealants adhere to most surfaces with very slight pressure and retain their tackiness. They form viscoelastic bonds that are aggressively and permanently tacky, and adhere without the need of more than finger or hand pressure.
UV or radiation cured silicone adhesives and sealants use ultraviolet light, visible light or electron beam irradiation (EB) to initiate curing and form a permanent bond without heating or excessive heat generation.
One disadvantage of UV curing adhesives is the requirement that one substrate is UV transparent. Some UV resin systems employ a secondary curing mechanism to complete curing of adhesive regions shielded from the UV light.
EB curable silicone adhesives use electron beam radiation to cure or initiate curing. The electron beam can penetrate through material that is opaque to UV light.
Reactive moisture-cured resins are single-component silicone adhesives and sealants. They are applied like hot melt adhesives until the resin reacts with moisture to crosslink and polymerize, resulting in a cured material. Some silicone adhesives and sealants (cyanoacrylates) also use a reaction with moisture or water for curing.
Technology for Subsea Wet Insulation Systems. Video Credit: Dow Corning Corporation
Thermoset silicone adhesives and silicone sealants are crosslinked polymeric resins that cure using heat or heat and pressure. Cured thermoset resins do not melt and flow when heated, but they may soften.
RTV silicone rubbers are room-temperature vulcanizing materials. The vulcanizing agent is a crosslinking compound or catalyst. Sulfur is the traditional vulcanizing agent used with natural rubber. Silicones use moisture, acetic acid and other compounds as curing agents.
ASTM C1184 - Standard specification for structural silicone sealants.
ASTM F2524 - Standard practice for determination of volatile content for formed-in-place gaskets (FIPG) silicone adhesives and sealants for transportation applications.
FORD ESE-M4G195-C - Sealant, silicone rubber - heat resistant.
MIL-A-46146 - Adhesives - sealants, silicone, RTV, noncorrosive (for with sensitive metals and equipment).
SAE AMS3375 - Adhesive / sealant, fluorosilicone aromatic fuel resistant, one-part room temperature vulcanizing.
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Related Products & Services
Anaerobic Adhesives and Anaerobic Sealants
Anaerobic adhesives and anaerobic sealants cure in the absence of air or oxygen.
Cyanoacrylate Adhesives
Cyanoacrylate adhesives are one-part acrylate adhesives that cure instantly on contact with mated surfaces through a reaction with surface moisture. Cyanoacrylates are often called super glues.
Hot Melt Adhesives
Hot melt adhesives are solvent-free chemical compounds that are used to join materials. They can be repeatedly softened by heat and hardened or set by cooling, allowing parts to be removed or repositioned during assembly.
Plastic and Rubber Balls
Plastic and rubber balls are rolling, spherical elements that have low friction values and require little or no lubrication. They are lighter than metal balls and resistant corrosion and abrasion. Some plastic balls resist high temperatures, but others do not. Rubber balls are characterized by a high degree of flexibility and elasticity.
Polymers and Plastic Resins
Polymers and plastic materials are organic, synthetic or processed polymers that are supplied as raw materials. They typically consist of thermoplastic or thermosetting resins in the form of pellets, powders or liquid resins. These materials can then be molded into a variety of shapes for a wide range of uses.
Rubber Adhesives and Sealants
Rubber adhesives and sealants are highly flexible, natural or synthetic materials that are used to join components or fill gaps between seams or on surfaces.
Thermal Compounds and Thermal Interface Materials
Thermal compounds and thermal interface materials form a thermally conductive layer on a substrate, between components or within a finished product.


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this wiki
Bertha is a female customer who made her first appearance as a closer in Papa's Hot Doggeria.
Flipdeck Info
Bertha is the head umpire for Griller Stadium. There, she holds a league record for umpiring 856 consecutive home games. During the winter, Bertha hits the ice as a hockey referee, where the Tastyville Cold Cuts are a crowd favorite. Being somewhat of a celebrity amongst sports fans, she can be spotted at many local events. Bertha has officiated numerous eating competitions, and is a dependable judge for the annual Tastyville Rib Cook-Off.
Bertha is a light-skinned female who has brown curly hair with a grey baseball cap on top.
She wears a dark grey and white striped referee T-shirt and grey pants held with a grey belt. She also wears grey shoes with light grey laces.
Bertha also has green eyeliner.
Papa's Hot Doggeria
- Hot Dog on a Chicago Bun
- Ketchup
- Relish
- Onions
- Mustard
- Drink and Popcorn:
- Large Fizzo
- Small Buttered Popcorn
Papa's Cupcakeria
- Liner C
- Vanilla Cake
- White Frosting
- Butterscotch Drizzle (Chocolate Drizzle in other holidays)
- Cupcake 1:
- Crushed Peanuts (Chocolate Chips in other holidays)
- Pretzel Bat (Nutty Butter Cup in other holidays)
- Marshmallow
- Pretzel Bat (Nutty Butter Cup in other holidays)
- Cupcake 2:
- Chocolate Drizzle (No other drizzle in other holidays)
- Chocolate Chips
- 3 Candy Baseballs (Two Nutty Butter Cups and a Marshmallow in other holidays)
Papa's Freezeria HD
- Large Cup
- Peaches
- Pumpkin Pie Syrup
- Chunky Blend
- Whipped Cream
- Butterscotch Topping
- Nuts
- 3 Hazelnut Swizzles
- Cloudberry
Papa's Pastaria
- Regular Crab Mezzelune (Penne in other holidays)
- Creamy Alfredo Sauce
- Creole Rub (Crushida Pepper in other holidays)
- 7 Tomatoes
- Focaccia
Papa's Freezeria To Go!
- Large Cup
- Peaches
- Pumpkin Pie Syrup
- Chunky Blend
- Whipped Cream
- Mango Topping
- Nuts
- Hazelnut Swizzle, Blondie, Hazelnut Swizzle
Papa's Donuteria
- Pumpkin Long John Donut with Boston Cream
- Chocolate Icing
- Chocolate Banana Drizzle (none in other holidays)
- Crushed Peanuts (none in Big Top Carnival)
- Chocolate French Cruller with Apple Pie Filling (none in other holidays)
- Clear Glaze
- Caramel Apple Drizzle (Caramel in other holidays)
- Candy Jack (Crushed Peanuts in other holidays)
- Pumpkin Long John Donut
- Cinnamon Sugar
- Chocolate Chips
Papa's Wingeria HD
- 3 BBQ Hog Wings
- 6 Red Peppers
- 3 Celeries
- Mango Chili Dip
- Blue Cheese Dip
Papa's Pizzeria To Go!
- 4 Capicola (bottom)
- 4 Red Peppers (bottom)
- 8 Pepperoni (top)
- Well-Done
- 8-Cut
Papa's Cheeseria
- Pumpkin Bread with Cheese Ball Spread (Multigrain Bread with Shredded Cheddar in other holidays)
- Stuffing (Ranch in other holidays)
- Gravy (Bacon in other holidays)
- Stuffing (Ranch in other holidays)
- Gravy (Bacon in other holidays)
- Stuffing (No other toppings in other holidays)
- Regular
- Fries:
Papa's Cupcakeria To Go!
Where's my order!?
This customer's gameria order is missing! Please add this order and then delete this template box.
Papa's Cupcakeria HD
Where's my order!?
This customer's gameria order is missing! Please add this order and then delete this template box.
Papa's Bakeria
- Graham Cracker Crust
- Toffee Filling (1/4)
- Apple Filling (2/4)
- Pumpkin Filling (1/4) (Peach Filling in other holidays)
- Lattice Top
- Candy Corn Drizzle (All Over) (Caramel Drizzle in other holidays)
- Citrus Zest (All Over)
Papa's Bakeria
|Sticker Number
|Sticker Earned
|Serve 20 customers during Halloween wearing any Halloween clothing
|Serve Neapolitan Pie Special to Tony
|Pie Pourables
|Unlock all of the Standard Pourable Toppings
Earn all 3 stickers to get this outfit:
Toppings Unlocked With Her
- In Cupcakeria, she is unlocked with Butterscotch Drizzle.
- In Pastaria, she is unlocked with Creole Rub.
- In Freezeria To Go!, she is unlocked with Mango Topping.
- In Cupcakeria To Go!, she is unlocked with Caramel Apple Drizzle.
Ranks to Unlock Her
- Papa's Cupcakeria: Rank 37
- Papa's Freezeria HD: Rank 50
- Papa's Pastaria: Rank 22
- Papa's Freezeria To Go!: Rank 58
- Papa's Wingeria HD: Rank 58
- Papa's Pizzeria To Go!: Rank 54
- Papa's Cupcakeria To Go!: Rank 38
- She is the final Papa's Hot Doggeria debut to receive a Flipdeck biography.
- She the last customer on Papa's Freezeria To Go! that is unlocked with an ingredient.
- In Papa's Cheeseria, Bertha is the only customer to order all holiday-specific ingredients from her favourite holiday: Thanksgiving.
- Despite the number of characters present in her Flipdeck background, no known customers appear in the background of her Flipdeck.
Order Tickets
Fan Art


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In a program (Java) I'm making I need to check for a specific pin in the parallel port. Whenever that pin goes from logical 0 to 1 (a positive edge clock) I have to read the data on the port and save it. This happens about every 10ms but can vary a little.
To do this I made a separate thread with a while loop that is constantly checking the port, but this makes the processor go nuts and I know it's because of the while loop. My question is, how can I constantly scan the port without using a processor intensive while loop? The program doesn't know precisely when a pin change will happen, only that it happens around every 10ms.


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Sorry, no Free Macdowell, Edward Saxophone Sheet Music available for at present.
Please try another option.
About MacdowellEdward Alexander MacDowell (December 18, 1860 - January 23, 1908) was an American composer and pianist of the Romantic period. He was best known for his second piano concerto and his piano suites Woodland Sketches, Sea Pieces, and New England Idylls. Woodland Sketches includes his most popular short piece, To a Wild Rose. Read More
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------my shield and my very great reward ~ Gen. 15:1
~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~
"Some people are so poor, the only thing they have is money." ~ Seen on a t-shirt worn by a young missionary in India
------"A girl should be two things: classy and fabulous.�
Coco Chanel
Stash Sewn in 2011 148.5 Yds
Stash Sewn in 2012.... counting...
------Carpe diem!
A lot of people are afraid of heights. Not me, I'm afraid of widths.
-Steven Wright
Read more at http://www.brainyquote.com/quotes/authors/s/steven_wright.html#vyUOz6BGb3EYCGGS.99 - Steven Wright
Bernina 830LE - Brother Dreamweaver VQ3000 - Bernina B530 - Janome 6600P - Pfaff 1209 - Babylock Evolution - Janome 644 - Babylock Sashiko2 - Babylock BLCS-2
------I have no idea what Apple thought I was saying so be a Peach and credit anything bizarre to auto correct.
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New Mexico State Board Of Dentistry
The New Mexico Board Of Dental Health Care oversees licensed individuals who provide dental services. You can contact the board if you have questions or need to renew your New Mexico dentist license. The state dental board also accepts complaints against licensed and unlicensed individuals, investigates allegations, and takes disciplinary actions for violations of law. The goal of the New Mexico board of dentistry is to protect the oral health, safety and welfare of citizens. You can visit their site online at rld.state.nm.us.
Board Of Dentistry Office Location
- New Mexico Board Of Dental Health Care
2550 Cerrillos Rd. Second Floor
Santa Fe, New Mexico 87505
Board Of Dentistry Phone Number
- The phone number to call the state board is 505-476-4680. You can fax their office at 505-476-4545.
Board Of Dentistry Email Address
- You can email the state board at email@example.com.


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Determinants of Farm Revenue in Pakistan
Will small farm viability decline with the reduction of average farm size in Pakistan? This paper addresses the determinants of rural household and farm-related income. Using the 2001 PIDE Household Survey, the approach developed captures the potential interactions between farm returns and household, farm, and factor market characteristics (schooling, family size, land tenure and operational size, access to water, credit, and capital). Econometric results show: (a) returns to additional schooling and the revenue elasticity of operated acres increase with farm size; (b) medium and large farm renters would be willing to pay more than observed rents, implying an incentive to increase farm size at the prevailing rental values; (c) owner-operated farms, landowners who also leases in, and fixed rental tenants earn higher revenues than sharecropping tenants. The difference, however, between landowner/fix-renter income and sharecropper income varies with family and farm size, as well as water use. While these results favour farm size increase, the results also show that off-farm and non-farm income sources are relatively more important for small farmers, contributing to their viability.
If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
Volume (Year): 45 (2006)
Issue (Month): 2 ()
Pages: 281-301
|Contact details of provider:
| Postal: P.O.Box 1091, Islamabad-44000
Phone: (92)(51)9248051
Fax: (92)(51)9248065
Web page: http://www.pide.org.pk
More information through EDIRC
References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Diewert, Walter E & Wales, Terence J, 1987.
"Flexible Functional Forms and Global Curvature Conditions,"
Econometric Society, vol. 55(1), pages 43-68, January.
- W. Erwin Diewert & T.J. Wales, 1989. "Flexible Functional Forms and Global Curvature Conditions," NBER Technical Working Papers 0040, National Bureau of Economic Research, Inc.
- Khandker, Shahidur R. & Faruqee, Rashid R., 2003.
"The impact of farm credit in Pakistan,"
Agricultural Economics of Agricultural Economists,
International Association of Agricultural Economists, vol. 28(3), May.
- Khandker, Shahidur R. & Faruqee, Rashid R., 2003. "The impact of farm credit in Pakistan," Agricultural Economics, Blackwell, vol. 28(3), pages 197-213, May.
- Khandker, Shahidur R. & Faruqee, Rashidur R., 2001. "The impact of farm credit in Pakistan," Policy Research Working Paper Series 2653, The World Bank.
- Paul Dorosh & Muhammad Khan Niazi & Hina Nazli, 2003. "Distributional Impacts of Agricultural Growth in Pakistan: A Multiplier Analysis," The Pakistan Development Review, Pakistan Institute of Development Economics, vol. 42(3), pages 249-275.
- Hansen, Bruce E., 1992.
"Testing for parameter instability in linear models,"
Journal of Policy Modeling,
Elsevier, vol. 14(4), pages 517-533, August.
- Tom Doan, . "STABTEST: RATS procedure to perform Hansen's stability test for OLS," Statistical Software Components RTS00199, Boston College Department of Economics.
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Obama didn't follow through on creating transparency in government
In 2008, Barack Obama talked about "opening up and creating more transparency in government." He said government spending plans would be posted on the Internet for days before they were passed into law. But Obamacare was passed so quickly that even members of Congress, much less the general public, didn't have time to read it. Is this the transparency he promised?
Cabinet members nominated by a president are vetted, but Obama has made other appointments — czars — by executive order. These czars weren't vetted. They have vast, unchecked powers, maybe more powers than Cabinet members. We now have unknown and unaccountable rulers placed over us. Transparency?
In his oath of office, Obama swore that he would faithfully execute the laws of the land, but in office he simply waived the enforcement of laws he didn't agree with — for example, failing to get Congress to pass some version of immigration amnesty. Obama issued an executive order exempting certain classes of illegal immigrants from the immigration laws. Transparency?
If Congress doesn't do what Obama wants, he casually does what he wants by himself through executive order. If any president can unilaterally change the law, he can permanently change the very nature of American government. Remember when Obama told Russian president Dmitry Medvedev that, after he is re-elected, he would have the "flexibility" to make a deal with Russia on missile defense systems?
Is our freedom safe with this kind of transparency?
Lee V. Rose, Cushing


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Between 2009 and 2010 fossil fuel combustion was responsible for an increase of over 100 million tonnes of CO2 equivalent in the EU, partly due to an economic rebound in many EU Member States. This is reflected in the new EEA analysis. In 2010, approximately 50% of the net increase in energy-related emissions was driven by higher industrial activity, particularly in the iron and steel sector.
Another reason for the emissions increase in 2010 was a colder winter, resulting in an increase in a demand for heating. The residential sector represented almost 40% of the net increase in energy-related greenhouse gas emissions. In addition, households used more electricity in 2010 compared to 2009, leading to higher emissions.
End-use greenhouse gas emissions from energy use in EU‑27 in 2010
Trends in greenhouse gas emissions by end-use sector in EU-27, 2005-2010
The results in the EEA report are based on the official 2012 greenhouse gas inventory submissions to the United Nations Framework Convention on Climate Change (UNFCCC) and energy balance data reported to Eurostat.
Every year in May the EEA publishes the EU greenhouse gas emissions inventory for the calendar year two years prior to the publication date, or 'year x-2'. This follows the final submission of data to the UNFCCC. In early autumn the EEA publishes the proxy greenhouse gas inventory for year x-1. This report gives an early analysis of emissions trends and allows an up-to-date assessment of actual progress towards emission targets. The end-user report is a more recent addition to the EEA's regular analysis of greenhouse gas trends. This also uses data from year x-2 as the method is based on the official inventory and energy balances, which are only available for year x-2.]]>
Climate change is happening now and will continue over decades and centuries to come, the report states, finding that it is at least "95 % certain" that humans are the dominant cause. Action to reduce emissions of greenhouse gases can limit the amount and pace of climate change, the report says. Without such mitigation action, global mean temperature would likely pass the internationally agreed limit of 2 oC above pre-industrial levels at some point this century, possibly before 2050.
A recent report from the European Environment Agency found that climate change is already evident across Europe, affecting ecosystems as well as human activities. This implies that addressing climate change requires a two-handed approach, simultaneously reducing greenhouse gas emissions and adapting societies to observed and projected changes.
The European Union's total greenhouse gas emissions in 2011 were 18.4 % below 1990 levels, according to the latest official data.
Europe is also reacting to experienced and projected climate change, with adaptation now an important policy area at the EU and national level. So far, 16 EEA member countries have developed national adaptation strategies. Adaptation plans have already led to concrete action in many countries as well as at the transnational, regional and local level. Such actions vary considerably, taking into account to address specific climate conditions as well as social and economic contexts.
Resources such as the European Climate Adaptation Portal, Climate-ADAPT, are important tools for sharing practical experience and other information relevant for those adapting to a warmer world.
The European Commission press release on the IPCC report is available here.]]>
The first 15 EU Member States are also joint signatories to the Kyoto Protocol, with a collective target of 8 % average reduction over the period 2008-2012. This group of countries have reduced emission by an average of 11.8 % during 2008-2012 compared to base year without counting 'sinks' or credits from Kyoto Protocol flexible mechanisms. The emission reduction from 2008 to 2012 in the EU15 was in absolute terms greater than Spain's total emissions in 2012.
Emissions fell by 1.3 % between 2011 and 2012, largely due to reductions in transport and industry and a growing proportion of energy from renewable sources.
Italy alone accounted for 45 % of the total EU net reduction in emissions in 2012, largely due to lower emissions from transport and industry. The second largest reduction, in Poland, was mainly due to a substantial decrease in solid fuel consumption. In contrast to their overall decreasing emission trend since 1990, the United Kingdom and Germany increased emissions in 2012 because of increased use of solid fuels.
The EEA technical analysis of emission trends shows that changes in GDP, for example growth or recession, can explain up to one third of the change in total greenhouse gas emissions since 1990. During periods experiencing recession (including in the 2008-2012 period), changes in GDP can explain less than 50 % of observed emission reductions for the EU as a whole. Other factors and policies have played at least as important a role in reducing emissions, including the sustained and strong growth in renewable energy and improvements in energy efficiency.
Although GDP is a significant factor behind changes in greenhouse gas emissions on an annual basis, GDP and greenhouse gas emissions show an absolute 'decoupling' when compared to 1990, according to the EEA analysis. While GDP has increased 45 % since 1990, emissions have fallen 19 %, halving EU's 'emission intensity', the volume of emissions generated for each euro of GDP. In addition, Member States' emission intensities have been converging. Per capita greenhouse gas emissions in the EU have decreased by almost a quarter since 1990, from 12 to nine tonnes.
Hans Bruyninckx, EEA Executive Director, said: "The EU has demonstrated that there is no conflict between a growing economy and reducing greenhouse gas emissions. Policies have been at the heart of this success. We need to go even further, but this will depend on countries implementing policies which already map a path towards a low carbon, energy secure society."
The downward emission trajectory seems to have continued in 2013, according to emissions data from EU Emissions Trading System and early estimates based on energy statistics from Eurostat. In the autumn the EEA and DG CLIMA will publish official estimates for total EU greenhouse gas emissions for 2013.
The data is published by the European Environment Agency (EEA), which started monitoring the emissions of light commercial vehicles last year.
Emissions levels are very different across Europe – they were lowest among new vans sold in Malta, Portugal and France, while new vehicles in Slovakia, Germany and the Czech Republic had emissions approximately a third higher.
The EEA has also observed a similar trend of increasing efficiency in new passenger cars sold, which also improved by 4 % between 2012 and 2013, meeting their 2015 target two years early.
Member States report CO2 emission levels from the certification test procedure. These levels are measured under laboratory conditions using the new European Driving Cycle specified in EU type approval legislation. This should make the measurements comparable, but not necessarily representative of real-world conditions.
There are several uncertainties in the data. The vans data is more complex than that of passenger cars, due to the relatively high number of vehicles type-approved in multiple stages - for example camper vans, where different parts are built by different manufacturers. In the case of multi-stage vans, the base vehicle manufacturer is responsible for the CO2 emissions of the final vehicle under EU law.
Moreover, as the database is relatively new, the current monitoring system cannot adequately capture these vehicles, which means that the data is not yet fully representative of the new vans targeted by the legislation. From next year onwards, a new data collection method will apply which is expected to improve data quality. The EEA will publish final data on new vans' CO2 emissions in the autumn.]]>
In addition, the long-term reduction of emissions has been influenced by an increasing uptake of diesel cars, an ongoing trend which continued in 2011. The gap between average CO2 emissions of new diesel and petrol vehicles has been narrowing in recent years – in 2011 it was just 3.2g CO2/km. In 2011, 55.2 % of the vehicles registered in 2011 in Europe were diesel vehicles, an increase from 51.3% in 2010.
Jacqueline McGlade, Executive Director of the EEA said: "We can see new cars becoming more efficient year-on-year – a good example of regulation helping industry to make real improvements. It is also encouraging to see sales of electric cars starting to climb."
In the EU, CO2 emissions from road transport have increased by 23 % between 1990 and 2010, becoming responsible for approximately one fifth of the EU's total emissions. In order to cut greenhouse gas emissions from transport, carmakers have a collective target for the average car sold in the EU to emit a maximum of 130g CO2/km by 2015 and 95g CO2/km by 2020. Last year the EEA reported that manufacturers had some distance to go to meet the 2015 target. However, on present trends, the industry as a whole is on track to meeting the 2015 CO2 target.
The preliminary figures will now be verified by car manufacturers before they are confirmed by the European Commission later this year.
Click for larger figure
Source: Monitoring of CO2 emissions from passenger cars
For the second year, EEA has collected Member States' data on passenger cars registrations, in accordance with the Regulation 443/2009, and collated them in a database which covers all passenger vehicles registered in Europe in 2011.
Data collected includes information on CO2 emissions and mass of the vehicles, reported by all Member States in order to evaluate the performance of the new vehicle fleet towards the CO2 emission target (130g CO2/km by 2015).
According to Article 8 of the Regulation 443/2009, Member States must submit information to the European Commission for each new passenger car registered on their territory. There were some late submissions this year, although the EEA has noted improvements in the data submitted for some Member States.]]>


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Speedo Men's Surfwalker Pro 2 Water Shoes
Product Information:
Shred the shore in the Speedo Men's Surfwalker Pro 2 water shoe. Stay dry as you splash around in a stretch upper with pull-on construction, while a breathable interior lining promotes air flow for extra quick-drying performance. You'll grip wet and dry surfaces-poolside to the beach-thanks to S-TRAC™ slip-resistant traction. Don't be afraid to get your feet wet this summer in the Surfwalker Pro 2 shoe.
- Stretch upper with pull-on construction ensures effortless protective wear
- Breathable interior lining increases air flow for quick-drying performance
- S-TRAC™ outsole repels water for increased surface contact, maximizing traction and slip-resistance on a variety of wet or dry surfaces
- Style: 7491152
- Speedo
Country of Origin: ChinaWeb ID: 31568666


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+353 1 2999 200
Comprehensive All Ireland Construction Project Information
CIS is an online database that contains researched, up-to-date information on key building projects for all 32 counties of Ireland. Our highly experienced research team report on key construction projects in great detail to ensure your business can make important decisions quickly and generate the right leads for your pipeline.
CIS Online is compatible with all mobile and tablet devices meaning you'll always have the latest project opportunities with you no matter where you are!
Get timely project updates delivered straight to your inbox
CIS Online contains thousands of construction project opportunities across all sectors and counties. The search alerts facility allows you to tailor your view of these opportunities and set up a regular email alert which lists the latest new and updated project opportunities most relevant to you.
Simply review the project alerts in your email and link directly to those of most interest.
Sector, stage, location, date, value and keywords
Advanced search allows for quick and easy identification of the best project opportunities for your business.
Using the advanced search you can focus your search on a combination of sector, stage, location, date, value and keywords – and more. So, for example, if it's on-site commercial projects in Munster you want to see, advanced search can cater for that in just a few clicks.
Monitor the projects and companies that could help secure your next contract
With our new CIS CRM, customers can track and be alerted to any activity in their tracked projects and companies. You can track competitor activity based on the contracts they've won are are currently working on.
Generate mailing lists in MS excel format
Target the key players in your sector with direct mail. Link the key professionals to the sectors you are most interested in targeting and generate mailing lists in MS excel format.
Ideal for mail merge using MS word or for import into a newsletter database. Full contact details including name, company, address, phone and company email address are exported.
Keep colleagues, management and regional offices up-to-date
Keep colleagues, management and regional offices up-to-date – key projects can be selected for export to both MS Excel and Word format.
Selected projects or entire lists can be exported with a single click - project details can also be printed direct from your web browser.
Who – What – When – Where
Our team specialise in finding the hard-to-get information. It's our high level of research effort that really sets us apart from the rest. Customers rely on CIS to uncover the 'who – what – when – where'.
Our research starts at planning and ends when the project moves on-site. Along the way we make every effort through phone and web research to provide you with as much of the detail as possible.
Comphrensive real-time project opportunities
Export key projects to our bespoke CRM compatible database format. CIS Online can be the ideal channel to feed your internal CRM system with valuable, timely and above all relevant project opportunities. Review your CIS leads online and select the most lucrative opportunities for export to CRM format.
Assign and track projects across teams
With CIS CRM you can create a multi user team who can be assigned projects based on sector, location, value etc. so that your compnay can pursue more leads in less time. Multi-user subscribers will have an administrator who can assign projects across a team. We'll send you email alerts when your tracked projects have been updated.
Ensure future prospects will not be forgotton, no matter how long the timeframe
See what projects have been assigned to what team member and re-name your projects for easier identification. Record company notes to monitor lead progress and add recall dates and compnay value to each project.
Analyse projects won and lost with CIS CRM
There are various options for outputting your CIS tracked projects whether you want to see a report of your projects or use the data for analysis, reporting of in some other system.
3468 construction projects with a total value of €21.5 billion have been added/updated to our comprehensive dataset in the last 100 days.
Gain access to the details of all these projects and more


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You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.
"Great design with a tint of nostalgia. WPD designers are easy to work with - incorporated more wording on the back of the card at my request. Customer service was also top notch. My cards were delayed - WPD happily sent me another batch for next day delivery. Would definitely recommend this design and WPD in general to friends."
"I was so afraid to order my shipment without seeing the exact card proof but I love them! I had ordered the LINEN background because others had recommended it, and instead of the textured I ordered the PEARL WHITE SHIMMER for a more modern look. I couldn't be happier with them. It looks like, from other reviewers, you really have to change the background to linen if you want the shimmer. I hadn't liked the roughness of the original sample. The red is a bit on the pink side but not too much. The designers were able to put the little Ganesh in the top circle for me which I was very impressed with! I definitely recommend!"
"Absolutely love how the cards turned out! We received so many complements from our family and friends. I used one of our engagement shots and added the ceremony details to personalize. The process was simple and shipping was fast. Customer service was excellent too."
"Beautiful cards. I got them printed on the shimmer paper and put them into laser cut envelopes I got from another source. So elegant and clean. Staff is AMAZING. Very kind and attentive, everytime I called them, they were very helpful and patient. My invitations arrived 1 week before scheduled delivery. Fast service! For canadian customers, please remember you will be charged the current exchange rate and duties via UPS (a few little surprises I forgot about when paying)!"
"We are so happy with how our wedding invitations turned out! I can't believe how much we love them. The colors are vibrant and elegant and are perfect for our Dallas rooftop wedding. I give this product 5 stars for sure and nothing less."


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WGI and Historic Motorsports Productions Announce Inaugural Vintage Racing and Lifestyle Event
"Bobby Rahal's Legends of Motorsports" Event Takes Place of Watkins Glen Historics in June
By: WGI Staff on 10/13/2009
Bobby Rahal (front in red car) and Historic Motorsports Productions will bring a new vintage and lifestyle event to The Glen in 2010.
One of the primary goals of officials at Watkins Glen International has long been finding ways to enhance the lineup of series that come to the historic road course and a new event in 2010 accomplishes this feat. WGI is proud to announce that it has teamed with Historic Motorsports Productions (HMP), a new vintage racing event promoter, to launch the inaugural HMP vintage racing and lifestyle event June 11-13, 2010. The event is billed as "Bobby Rahal's Legends of Motorsports" and is the first HMP event to be officially announced with additional 2010 vintage racing events due to be unveiled moving forward.
"By hosting world class racing for many years, Watkins Glen International is a perfect host for vintage racing," said Michael Printup, president of Watkins Glen International. "For decades, Bobby Rahal has thrilled our fans behind the wheel of all kinds of race cars. It's an honor to now join with him in creating a great new event at our track."
"We are delighted to partner with Watkins Glen International to bring participants and the public a new era in vintage racing and automotive lifestyle," said Bobby Rahal, partner, Historic Motorsports Productions. "As a racer, any outing at The Glen is special because of the venue itself and its unique history in hosting legendary teams, drivers and cars. It's a privilege to have Watkins Glen International become the first premium venue to commit to an HMP event."
HMP will invite a full complement of vintage racing cars and teams to legendary Watkins Glen International. These include GTP/Group C; 3.0 Liter era Formula One; F.I.A. Championship of Makes; 2.0 Liter Sports Racers; Trans-Am; Can-Am; NASCAR; IMSA GT/Production Cars; BOSS Cars and F5000. This is very similar to the type of line-up vintage racing fans have come to expect during the Watkins Glen Historics; the event that "Bobby
Rahal's Legends of Motorsports" will be replacing in 2010. Ticket prices for the weekend event will be announced at a later date.
"As an authentic international racing legend, Bobby Rahal is applying his knowledge and relationships to make the inaugural "Legends of Motorsports" weekend at Watkins Glen an instant vintage racing classic," said Zak Brown, partner, Historic Motorsports Productions. "Bobby is hands-on in fulfilling his vision of creatively featuring remarkable historic race cars and their passionate owners and drivers. And to do that in an event atmosphere and presentation style offering something for every family member."
Tickets for the entire 2010 season will go on sale to the general public (non-renewal customers) November 14, 2009. For more information, please contact the Watkins Glen International ticket office at 866-461-RACE (7223) or log on to the official website at www.TheGlen.com.
Related Features
- Jaguar to sponsor U.S. Vintage Grand Prix at Watkins Glen International
- INDYCAR Grand Prix at The Glen tickets, camping set to go on sale to general public on Wednesday, May 18
- IndyCar to return to Watkins Glen International on Labor Day weekend
- Taster's Banquet highlights Saturday night at Finger Lakes Wine Festival presented by Yancey's Fancy New York's Artisan Cheese
- Edwards, Logano, Kahne dish on new Watkins Glen International surface


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Couldn't resist ! Apache is a serious money maker with serious assets trading at a serious discount.
You will be losing by 4PM and will not be profitable for months if ever. Just so you know ahead of time.
me too but in the options.
Yes I bought a bunch of puts as well ! Going to 60 at a theater near you.
Sentiment: Sell


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The antivaccine movement and "autism biomed" versus "outgrowing" autism
A commonly misunderstood aspect of autism and autism spectrum disorders (particularly by antivaccinationists and believers in the quackery known as "autism biomed") is that autism is not a condition of developmental stasis. It is a condition of developmental delay. Autistic children can and do exhibit improvement in their symptoms simply through growth and development. However, parents who subject their children to "autism biomed" quackery of the sort championed by Jenny McCarthy and others seem to view autism as a condition of developmental stasis. That's why they so easily and predictably attribute any improvement in their children to whatever quackery du jour they are using on them. It's also why, in order to determine whether a given intervention in autism has any real effect, randomized controlled trials are required. Indeed, it's not so difficult to see why, if you take into account the widespread belief that autistic children do not improve, along with parents' imperfect human memories riddled with confirmation bias, confusing correlation with causation, and other confounders like regression to the mean, so many parents believe that "autism biomed" treatments have actually helped their children. Moreover, improvements observed in autistic children tend to be uneven, with periods of little change interspersed with periods of rapid development. Should such a period of rapid development appear after a "biomed" intervention, guess what gets the credit for the improvement?
But how much improvement is possible? Do autistic children "recover," and, if they do, how much can they recover? The autism biomed movement is rife with stories of "recovered" children, but often, if you investigate these stories, they turn out to be less than convincing, not unlike the way that alternative medicine cancer "cure" testimonials tend not to be so impressive when examined closely. However, in the case of autism, this isn't always the case. There are clearly children who lose their diagnosis of autism or ASD, with observations published as far back as 1970, when Rutter reported that 1.5% of adults who had been diagnosed with autism were functioning normally, while 30 years later Sigman et al reported that 17% of autistic children in their group lost their diagnosis and 10 years after that Kleinman et al reported that up to 19% of autistic children "lose their diagnosis." The reason for this observation is hotly debated, and until fairly recently it was often assumed that these children's recoveries were in fact not true recoveries but children who were either misdiagnosed or overdiagnosed. Such an assumption made intuitive sense because such an outcome is more likely with children diagnosed with Asperger's disorder or pervasive developmental disorder, not otherwise specified (PDD-NOS), both of which are categories that resulted from the expansion of the diagnostic criteria for autism. Be that as it may, when you boil it all down, it is estimated that between 3% and 25% of autistic children "lose their diagnosis." However, few of these studies explicitly address whether the social and communication abilities of these children are fully typical.
Outgrowing symptoms of autism
A recent study might help clarify what degree of recovery is and is not possible. Most of the previous studies before this have been small and did not look specifically at the outcomes people are curious about. Published in The Journal of Child Psychology and Psychiatry by Fein et al and entitled "Optimal outcome in individuals with a history of autism", this study got some news coverage last week under titles such as "Some With Autism Diagnosis Can Overcome Symptoms, Study Finds"; "Scientists seek clues in kids who outgrow autism symptoms"; "Some children outgrow autism: study"; "Health Buzz: Can Autism Fade Over Time?"; and "Children 'may grow out of autism'". The authors set the stage in their introduction after surveying the literature, some of which I've touched on above:
Posted in: Neuroscience/Mental Health, VaccinesLeave a Comment (27) →


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Venezuela's Artistic Upheaval; President Attacks Elitism, and Museum Founder Is a Casualty
By LARRY ROHTER
Published: April 24, 2001
CARACAS, Venezuela, April 20— The museum she built from scratch and directed for more than 25 years continues to bear her name and imprint, at least for the moment. But Sofía Imber herself has become the most prominent victim and symbol of the ''cultural revolution'' that President Hugo Chávez has unleashed as part of his campaign to free Venezuela from a ''rancid oligarchy.''
Ms. Imber, 76, an art critic, founded the Caracas Museum of Contemporary Art in 1971 in a garage and made it into one Latin America's most admired arts institutions, with a strong and wide-ranging collection that includes major works by Picasso, Braque, Botero, Bacon, Chagall, Kandinsky and Rauschenberg. But somewhere along the line she ran afoul of Mr. Chávez, a left-wing populist who took power in 1999 with ideas of his own about the proper role of the arts.
''Culture has become elitist as a result of being managed by elites,'' he complained in January on a weekly radio program of which he is host. ''Princes, kings, heirs, families took over institutions, institutions that have cost the state millions and millions. They wanted to do whatever they wanted. They thought they were autonomous governments, principalities.''
Mr. Chávez has described the subsequent purge of Ms. Imber and others as the start of a ''Bolivarian cultural revolution,'' a reference to Venezuela's national hero, Simón Bolívar. But that term has generated apprehension here, especially in view of Mr. Chávez's declaration ''I am a Maoist,'' made during the visit this month of President Jiang Zemin of China, and the agreements he has signed to bring Cuban advisers and exchange programs to Venezuela.
Cultural affairs in this oil-rich nation of 24 million people are supervised by the same ministry that is responsible for education and sports. Last year Mr. Chávez made Manuel Espinoza, 64, a former Communist Party member and painter whose work has been exhibited, among other places, at the Museum of Contemporary Art, the country's top cultural official by appointing him director of the National Council of Culture.
In an interview here, Mr. Espinoza said Mr. Chávez's summons to a ''cultural revolution'' should be no cause for alarm. ''It is a mistake to tie a word to a particular historical experience,'' he said. ''Revolutions are not defined just by China's deplorable experience, and if you look up the word in the dictionary you will find no reference to China there. What we want is a transformation, a rapid change that liberates the creative potential of all the people.''
As part of that process, Mr. Espinoza said, the government has begun building community cultural centers in rural and provincial areas, each with a price tag ''less than the cost of an apartment here in Caracas.'' The government cultural budget is also being increased by more than $100 million, making spending on culture more than double that under the previous government.
But ''redefining culture,'' as Mr. Espinoza calls it, also involves shifting the focus from the fine arts toward artisanry and other forms of expression with a practical political purpose. ''It is necessary for the state to stimulate the creative powers of the people so as to encourage their participation in the process of social mobilization and integration,'' he said.
Mr. Chávez, 46, is a former Army colonel who in 1992 led an unsuccessful coup attempt here. Little is known about his own tastes in the arts, other than his habit of singing folk songs or quoting the poetry of Walt Whitman during his long speeches, but his views on the relationship between politics and culture could not be clearer.
''Culture needs to be at the service of development, not at the service of elites which have led a distorted cultural process,'' he said in a recent speech. Speaking of his government and its policies, he added that he aspired to ''a culture that is at the service of the human revolution, of creation, of the liberation of the Venezuelan people.''
The purge that Mr. Chávez ordered has affected all 36 government cultural institutions here, from museums and orchestras to theater groups and the state publishing house, Mr. Espinoza said. But the ouster of Ms. Imber as the head of a museum that added her name to its title a decade ago as an homage to her efforts is seen by Mr. Chávez's critics as emblematic of the increasingly sectarian nature of the revolutionary process.
''I think this museum is not to their liking because they only want art that is nationalistic and patriotic,'' Ms. Imber, who was born in Russia and came to Venezuela as a child, said in an interview. ''In a certain way, they are right when they say that the art at my museum is elite and cosmopolitan, because I have always believed that when you give people something good, something that elevates their taste, they like it.''
But under Ms. Imber's stewardship, the museum has also conducted programs to take art to the city's slums and to bring poor children to the museum for art classes. In addition, admission to the museum, as to most other cultural institutions in Venezuela, is free, a legacy of the oil boom of the 1970's, which led to lavish government spending on the arts.


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Santa Cruz Group
Update on Santa Cruz GroupFelix is a 45-year-old single mother of a 19-year-old daughter who finished high school last year, and though she does not have the opportunity to continue her education, she states that she will take advantage of one if she ever gets it. Felix is a businesswoman who sells soda, juice, chips, and vegetables. She will invest her loan in purchasing these products, and vegetables like tomatoes, chili peppers, onions, etc. She has been in business for 3 years, and she says that it is expanding little by little. Ms. Felix would like for her business to grow, and she is helping it progress. She hopes to convert it to a bigger store, and she is happy because the loan is a great help.
Felix is a member of the Santa Cruz group, which consists of the following 11 enterprising women: Leonarda, Guadalupe, Reyna, Hortensia, Lucila, Carolina, Suleyma, Graciela, Alili, Hermas. They all own businesses and sell things like bread, soft drinks, vegetables, candy, pigs, food, beans, perfume, groceries, mangoes, fish, etc.
Félix pertenece al grupo santa cruz el cual esta integrado por 11 personas las cuales todas son mujeres trabajadoras a continuación serán mencionadas: Leonarda, Guadalupe, Reyna, Hortensia, Lucila, Carolina, Suleyma, Graciela, Alili, Hermas. Todas realizan actividades comerciales como son: venta de pan, refrescos, verduras, dulces, puercos, comida, Fríjol, perfumes, abarrotes, mangos, pescados, etc.
Previous Loan DetailsHortencia is 35 years old, married, and has 3 children who are in school: José Manuel is in his 3rd year of high school, Isidro is in his 2nd year of high school, and Rosa Isela is in her 2nd year of middle school. Hortencia's husband is named José Luis and he makes a living in agriculture. H... More from Santa Cruz Group's previous loan »
Additional Information
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva's lenders.
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 Mexico
46View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 6 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Feb 10, 2012
- Listed
- Feb 29, 2012
- Currency Exchange Loss:
- Possible
- Ended:
- Jul 15, 2012


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There is a bug that doesnt allow to load game after I finished the mission.
Basically it crashes the game on load or soon after.
As for the mission:
- I didnt use hunter
- two soldiers were wounded
- played on veteran lv
- didnt pickup any alien stuff on my sodiers
- killed all on mission
- used only rifles, shotguns, precision rifles, pistol
If I load a save I did after the mission (when chinook is still airbourne) then it loads but the mission I finished is still there and when I land at the base it crashes.
If I load a save I did after return to base then it crashes on load.


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Hey! Register Today for Runner's World 50K in Hebei!!
Congrats again!! HeyRunning becomes one of the offical partners with the Runner's World China 50K Trail Running Grand Prix!
Race info for Wuyuezhai:
- Date: 3rd – 5th Sep 2015
- Start/Finish: Wuyuezhai
- Category: Trail 50K
- Time limit: 12 hours
- Highest point: 2281m
- Accumulated elevation: 2650m
- Fee: 850rmb, which includes race bag & bibs, insurance, medal, transportations, and hotel accomendations and meals for two nights (4 meals included).
- Register Deadline: 14th, August
Thursday 3rd September
* Transport departs Dafang Hotel (MAP) at 08.30 (be there for 08.00), estimated 5-6 hours journey time
* 13.00 – 14.00 check in to race hotel & lunch + race pack pick-up (includes number, timing chip, gifts from sponsors)
* 18.30 – 19.30 pre-race meal and safety + course briefing
Friday 4TH September
* 05.00 – 06.00 Race registration, check in and warm-up
* 06.00 Race start (12 hours cut-off time)
* 19.00 Post Race Banquet
Saturday 5TH September
* Depart race hotel at 8AM for sightseeing and return to Beijing
If you are interesed in this chance to race and explore the idyllic beatuty of Wuyuezhai, or have any questions about the race, feel free to contact us via email ([email protected]) or Wechat (ddddiana) for more information.


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in lieu of
Can't write; busy celebrating.
Greens. You envy? [mealplan monday]
OhmyGod Harmony Valley, you fill my life with awesome.
At the moment, I am noshing down a giant salad filled with overwintered spinach (sweet and like no other spinach you'll eat), mixed salad greens, arugula and romaine (and only the romaine doesn't hail from the farm). To that, add radishes from the farmers market and a healthy handful (or three) of leftover crudite (peppers, cucumber, broccoli and cauliflower), a little vinaigrette, and a sprinkling of candied walnuts and craisins — can I please have a giant salad every day for lunch? The only thing it's really missing is gorganzola. That would make it PERFECT.
Anyway… that's not what I am here to talk about — only a brief plug to say, farmer's market and CSAs are brimming with greens and if you aren't already doing so, get yourself out and get yourself some. You'll ask how you ever ate iceberg lettuce.
That being said, greens are a big part of this week's meal plan:
Tonight: chicken stir-fry. It seems boring, but it's a staple of our spring and summer cooking — and with the variety of veggies available to us, it's really something different every time we make it. Plus, both girls love it.
Tuesday: grilled steak, ramp and morel sautee, asparagus, roasted parsnips, side salad. 'Nuff said.
Wednesday: spring quiche (spinach, bacon and cheddar), mixed green salad and burdock/sunchoke chips (I haven't had a chance to figure out what to do with our burdock and sunchokes, and making them into chips seems like a fun little experiment).
Thursday: arugula & pesto flatbread pizza with fresh mozzarella, tomato, grilled chicken; side salads. Anyone have a good recipe for flatbread?
This weekend we're sticking close to the home front, for once — which will be nice, as we'll be able to catch up on some projects and do a bunch of grilling. I'm thinking: gourmet burgers (maybe a stab at a Nordeast Jucy Lucy?) one night, grilled cornish game hens another night, and BBQ, perhaps, on Monday? Who doesn't love a good BBQ!
When they ask how far love goes…
First Birthday:
|From Paige
Second Birthday:
|From Paige
Third Birthday:
Fourth Birthday:
|From My Summer 2007
…When my job's done, you'll be the one who knows.
(Dar Williams)
Happy 6th birthday, eldest daughter, my beautiful ray of sunshine, young lady who teaches me daily about the world and myself and life and love and just how big and full and perfect it all can be. Amidst the darkest hours of my adult life, you gave me all the reasons to be a big, strong girl. My life is forever changed for the better because you are here. Thanks for letting me be your mom, and thanks for teaching me all you do. I am bursting at the seams with pride; I love you more than anything I write could ever say.
In which she realizes why she hates politics [The Restless Native]
So I just read Surly's newsletter, which was chock-full of delightful news and bits (like Art-a-Whirl this weekend! Yay!)
But some not-so-delightful news: Apparently the state legislature is looking to make up for the state budget deficit by raising the taxes on MN breweries.
Grr. As if I don't already pay enough for my beer. Do you know (already) pay more tax on a glass of beer in Minneapolis than you would in Manhattan? No wonder Dave brews his own.
But seriously: I realize budget deficits are bad, the collective populus has to find a way for all these oh-so-meaningful and not-at-all wasteful public service programs to continue (whoops, you may have gotten a little peek at my politics there), but really, Minnesota: let's make it HARDER on local businesses to survive. Yes, that's certainly the best way to make it out of the economic debacle.
So, I tend to be pretty apathetic about politics (I have opinions, I vote — but I don't align with a party and I'm not active about issues or whatever; it's just not for me) — but two things I will advocate for vehemently: local businesses and beer.
So — why not? I'll get in touch with whoever represents me.
State representative: check. Easy as pie. She even has an e-mail list. Yay.
State senator: D-bag alert. First of all, cpmpared to our state rep, his internet presence is absolutely pitiful. AND — I can't get the email form he has on his web site to work. And even if I could — come on: you really think I'm going to trust some information that I send off into a web page form is going to grace your desk? Honestly. And, lo and behold, no one wants to answer the phones in your office, either. Nice. Glad to see my tax dollars are hard at work paying for you to represent my interests. Also — something seems fishy here (and yes, I probably do have more than my fair share of skepticism about politicians) but his home address on Google Maps looks suspiciously like a cheap rental maintained specifically to stay "in district". Hrm.
Anyway — you probably don't care about ANY of that unless you live in Northeast. BUT — what you should care about is higher taxes on beer. I'd encourage you to send a strongly-worded letter to your state representatives as well. Lord knows I did
insert motivation here. [Writer's Block Wednesday]
It is Wednesday and I should write something. Except that I am sleepy and don't want to write. I also don't want to work out, or clean my house, or really do much of anything save lay on the couch and watch old episodes of Six Feet Under.
How to motivate myself…? Why am I in this cycle in which I resist doing anything (especially prominent when there is a birthday party coming up Sunday and a to-do list a mile long)? How can I break out?
I know. I could go hop on the treadmill (and I might, later) and probably wake myself up a bit. I could just force myself to put away the clean laundry (which frankly, is probably dirty again since it's been sitting on the floor since Sunday — I wasn't going to put it away on Mother's Day!), and pick up the house, and order the stain for the new front door — ooh, but I can do that online so I will probably do that.
I think both Dave and I had a knee-jerk reaction to looking at a summer calendar that is essentially fully booked already. When I am this busy, all I want to do is pull inside myself and hibernate.
Thankfully, yoga starts this coming Tuesday. I need something to get me out of the house and out of this rut. I need an outlet for relaxation (and not just slovenliness, which is my current coping mechanism for stress).
Also: I am taking next Wednesday off to spend it with Alice, who will officially be one year old that day. How did that happen? How has she been here a year already? Holy crap.
I can't tell you how much I am looking forward to some quality time with my youngest daughter — and honestly, for a day in which I do not have to stress out about office-appropriate hair or an hour-long commute (which, oh.my.god is THAT getting old already).
In other news, there was a hint of sunshine over lunchtime today but it now looks like Perpetual Napland out again. Damnit. Will I never get a bike ride in again?
Blah. This has been your random writer participating in an exercise of meaninglessness. Hope you're not in a giant funk like mine.
Procrastination: it's just a label [Tuesdays from the Craft Hovel]
I'm a born procrastinator. When my dance card gets full, what do I do? Find something with which to distract myself. I don't know why I do this, really, only that I do and that the creative pressure it adds is either a strange rush or actually enhances the creative process.
Whatever. All that to say I have sort of ignored the baby gifts and porch and kitchen curtains to figure out how to make a fabric label for crafts. (Thanks, Diana for providing me with this distraction).
- Craft: links to a how-to-make-your-own-fabric-label tutorial
- I make myself a logo:
and: voila. A new project for me to try out. Hey — it's useful. I can attach my new labels to all those nifty gifts I am making!
tastes like spring [meal plan monday]
For the record, we've switched to planning the week's meals on Thursday (as that's CSA day!), but whatever. Monday is still a good day of the week to think about food (OK, really — what day isn't?)
This week tastes like spring. Seriously, we've had so much asparagus over the last week, I smell it when I sweat. It's not a bad thing. I also have approximately 5 gallons of rhubarb to eat — so you know, anyone interested in rhubarb-baked anything, just holler. The menu this week includes:
- Quiche with spinach, ramps, and leftover crab. OMG.
- Cleaning out the fridge from mother's day dinner — a seafood fest with amazing sauces and salads and yum, french fingerling potatoes
- Pie dough (no we're not just going to eat pie dough — we make big batches and then freeze it for pies, quiche, etc. Silly.)
- Quinoa salad with black radish and carrot (we try to experiment with one new thing per week, especially when we get awesome recipes from Harmony Valley…
- I think we're also going to try and make sunchoke and burdock chips this week. Mmm. And why not? The potato chip is so, done. Plus we have this bitching mandolin with which to cut up stuff.
- We don't have the plan for the end of the week (yet), but I have a feeling a stir-fry is on the docket. We do so much more stir-fry in the summer…
- I'm also thinking about soba noodles someday this week… though not necessarily on the menu, I'm totally craving them.


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The Green Party is calling on Food Safety Minister Annette King to veto a recommendation from Food Standards Australia New Zealand (FSANZ) to approve a genetically engineered corn for animal and human use, given the evidence that the corn could pose a significant health risk to New Zealanders.
The corn, High-Lysine Corn LY038, is produced by seed giant Monsanto, who have applied for its release in New Zealand to be used in animal feed. They are also applying for approval for use of the corn in human food. The corn has been genetically modified to contain levels of the amino acid lysine at substantially higher levels than found in other corn varieties.
"It is alarming that this corn variety is so close to being approved for release in New Zealand. While Monsanto insists it will only be used for animal feed, they concede that this corn may also indirectly enter the human food chain and are therefore applying for its approval as a human food so that they don't have to keep it separate," Green Party Co-Leader Jeanette Fitzsimons says.
"Lysine itself is not a health risk, but when high levels are cooked in combination with sugars, which are also present in the corn, compounds called AGEs are produced which have been implicated in causing Alzheimer's disease, diabetes and several other serious health conditions.
"Despite the fact that the food risks of cooking lysine and sugars are well known, FSANZ made no effort to evaluate what the health impacts would be if LY038 were to enter the human food supply and be cooked," Ms Fitzsimons says.
"In its submission on the draft report, the Centre for Research in Biosafety at Canterbury University identifies numerous ways that animal feed could either inadvertently or deliberately end up being consumed by humans. Given these risks, FSANZ's assessment is totally inadequate," Greens' Health and Food Safety Spokesperson Sue Kedgley says.
"New Zealand is already struggling with epidemic levels of diabetes. To approve the release of a substance that could end up in the human food chain, and once there, could contribute to this condition, runs counter to basic common sense.
"The Greens are demanding to see thorough and independent testing of the impact of this GE corn on human health. The Centre for Research in Biosafety reports in its submission that the testing procedure for this corn deviated from the recommendations of international food safety bodies, including the World Health Organisation - and failed to meet FSANZ's own declared standards," Ms Kedgley says.


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Shipwrecks of the Black Sea
Oct. 27, 2008
Find out why ancient shipwrecks remain preserved and intact in the basement of the Black Sea unlike any other place in the world. Travel deep into the sea's dead zone using remote operated vehicles.Read more
Archaeologists unearth a graveyard of ancient shipwrecks in the Black Sea
Oct. 27, 2008
Phantoms of the Deep: In the depths of the Black Sea lies a landscape of eternal darkness. With no light and no oxygen in the sea's anoxic layer, no life can survive, except perhaps the ghosts of ancient mariners whose ships foundered thousands of years ago.Read more


text: Organic Knitted Merino Baby Sleeping Bag by Lana Bambini £32$61.64€41.19$46.28 In stock free gift wrap £6.95$13.38€8.94$10.05 delivery to United States Receive this item 5-10 working days from dispatch International delivery available sizesize (required)0-6m 6-18m (+ £6)18-36m (Green and Navy only) (+ £12)size (required)0-6m 6-18m (+ $11.55)18-36m (Green and Navy only) (+ $23.11)size (required)0-6m 6-18m (+ €7.72)18-36m (Green and Navy only) (+ €15.44)size (required)0-6m 6-18m (+ $8.67)18-36m (Green and Navy only) (+ $17.35) colourcolour (required)Natural Red (Out of stock)Berry Pink Cornflower blue OrangeNavyGreenNavycolour (required)Natural Red (Out of stock)Berry Pink Cornflower blue OrangeNavyGreenNavycolour (required)Natural Red (Out of stock)Berry Pink Cornflower blue OrangeNavyGreenNavycolour (required)Natural Red (Out of stock)Berry Pink Cornflower blue OrangeNavyGreenNavy quantity by Lana Bambini Location: bristol, GB read seller's profile see seller's complete range more items from this seller Organic Merino Wool Baby Dungarees by Lana Bambini £24$46.23€30.89$34.71 Organic Merino Wool And Silk Baby Trousers by Lana Bambini £21$40.45€27.03$30.37 Fine Organic Merino Wool Baby Top by Lana Bambini £21$40.45€27.03$30.37 Organic Merino Wool Baby Blanket by Lana Bambini £39$75.12€50.20$56.40 Striped Organic Merino Wool Baby Blanket by Lana Bambini £39$75.12€50.20$56.40 Baby Blanket In 100% Merino Wool by Lana Bambini £36$69.35€46.33$52.06 view all you may also like PRODUCT DETAILS CUSTOMER REVIEWS DELIVERY RETURNS free gift wrap eco-friendly ask seller a question save for later A beautiful medium-lightweight knitted sleeping bag in organic merino wool. These wonderful knitted sleeping bags are one of our most beloved items. They are very stretchy and non-restrictive in a way that cotton bags are not, and so are perfect for babies who like to wriggle and travel around their cots during the night. It's designed to be snug around the chest for warmth and to ensure it stays in place, and loose at the bottom to allow your little one to kick freely. The natural wood buttons have two positions which allows for growth and the organic merino wool is extremely soft and light and will not itch. Wool has wonderful temperature regulating properties and feels wonderfully comforting so it can help you little one sleep through the night. These are a light - medium weight and can be used all year round, alone in summer or with an extra blanket in winter. Available in Natural (size 1 and 2 only) or Red (size 3 only) made from: 100% organic merino wool. Made in Germany and certified by the Global Organic Textile Standard. They won't need much washing compared to cotton bedding but can be washed on a wool or delicate cycle at 30deg with a specialist detergent for wool. dimensions: Size 1 (2-6m) approx 65cm from shoulder to bottom Size 2 (6-18m) approx 80cm from shoulder to bottom Size 3 (18m - 3.5y) (approx 95cm from shoulder to bottom) product code: 221271 2 customer reviews read about our product rating system ratings guide trusted independent customer feedbackforum excellent bad good poor This product is dispatched to you by Lana Bambini. MAINLAND UK order now and receive this item by price Free Delivery Thursday 2 June FREEFREEFREEFREE Tracked Next Day Delivery Tuesday 31 May £4.95$9.53€6.37$7.15 Tracked Next Day 1pm Delivery Tuesday 31 May £6.95$13.38€8.94$10.05 Saturday Delivery Saturday 28 May £12.95$24.94€16.66$18.72 NON-MAINLAND UK estimated delivery price Highlands & Islands of Scotland 2-5 working daysfrom dispatch FREEFREEFREEFREE Northern Ireland 2-5 working daysfrom dispatch FREEFREEFREEFREE Other UK Islands 2-5 working daysfrom dispatch FREEFREEFREEFREE INTERNATIONAL DELIVERY estimated delivery price Western Europe 2-5 working daysfrom dispatch £5.00$9.63€6.43$7.23 Rest of Europe 5-10 working daysfrom dispatch £5.00$9.63€6.43$7.23 USA & Canada 5-10 working daysfrom dispatch £6.95$13.38€8.94$10.05 Asia & Australasia 5-10 working daysfrom dispatch £7.25$13.96€9.33$10.48 Rest of the world 5-14 working daysfrom dispatch £7.25$13.96€9.33$10.48 You have 28 days, from receipt of cancellable goods, to notify the seller if you wish to cancel your order or exchange an item. Please note: goods that are personalised, bespoke or made-to-order to your specific requirements, perishable products and personal items sold with a hygiene seal (cosmetics, underwear) in instances where the seal is broken are non-refundable, unless faulty. Read more about our returns policy.Should you choose to return or exchange your order you will need to deliver the item(s) to the UK, where this seller is based. Lana Bambini's return policy Please see notonthehighstreet.com's returns policy.


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Participant Media will release Marc Silver's timely documentary in select theaters this June.Read More »
2013 Sundance Film Festival alumnus Marc Silver returns to Park City with his latest documentary.Read More »
Over the past week we have published 5 interview with the directors of some of the most interesting films currently playing in theaters. Check them all out hereRead More »
British documentary filmmaker Marc Silver brings a riveting and touching vision to the immigration subject in his outstanding and heartbreaking documentary "Who Is Dayani Cristal?". The story of a dead body found in the desert and the investigation to find the the man behind the mystery. Helped by G...Read More »
Kino Lorber has acquired Marc Silver's feature-length documentary "Who is Dayani Cristal?"Read More »


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So popular were his columns that he wrote a book last year, The Soloist, about the relationship.
It has been adapted into a movie starring Robert Downey Jr. and Jamie Foxx that will be released in April.
The Public Library of Cincinnati & Hamilton County has chosen Lopez's The Soloist for this year's On the Same Page Community-Wide Reading Program. Lopez will be present for a launch and reception 2-4 p.m. Sunday at downtown's Main Branch. He'll also appear 6 p.m. Sunday at Joseph-Beth Booksellers and 7 p.m. Monday at UC's Great Hall.
Read Steve Rosen's interview with Lopez here.
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Mortgage Rate Trends: Weekly Market Commentary & Forecast
51 Route 23 South, Riverdale NJ 07457 | 973-617-8700 | Toll-Free: 1-800-UPDATES | www.HSH.com
Keith Gumbinger HSH.com
Check archives.
Firmer Rates Now, More In The Summer?
May 27, 2016 -- In recent weeks, the Fed's message to the markets has become a little more clear and strident: Prepare yourself for higher short-term rates. What's been missing from those exhortations is any indication of when the markets should expect a change. For investors, a vague "sometime soon" is harder to prepare for then something more concrete.
Although perhaps not yet cast in stone (or even hardened, to follow the concrete metaphor above) Federal Reserve Chairwoman Yellen at the very least revealed a bag of mortar mix and masonry tools this week, noting at a panel discussion at Harvard University that "probably in the coming months" an increase in short-term interest rates would "be appropriate."
June is a coming month, as is July... and August, and from the Chairwoman's perspective, "growth looks to be picking up." Warmer growth, solid labor markets and perhaps stronger price pressures are all conditions which will cause mortgage rates to rise; if those conditions are happening or even are expected to occur, mortgage rates will rise, and well before the Fed makes any move.
HSH.com's broad-market mortgage tracker -- our weekly Fixed-Rate Mortgage Indicator (FRMI) -- found that the overall average rate for 30-year fixed-rate mortgages rose by five basis points (.05 percent), firming to an average rate of 3.75 percent. The FRMI's 15-year companion managed a seven basis point increase, moving up to an average rate of 3.13 percent for the period. Popular with first-time homebuyers, rates on fully-insured FHA-backed 30-year FRMs remain considerably below their Fannie and Freddie counterparts and increased by just a single basis point to lift the average interest rate to 3.54 percent, just above a 2016 low. Meanwhile, the overall 5/1 Hybrid ARM, more sensitive to any Fed move, rose by another six one-hundredths of one percent to increase to a flat 3 percent for the week, it's highest value in about eight weeks.
See this week's Statistical Release and Mortgage Trends Graphs.
Want to get Market Trends as soon as it's published on Friday? Get it via email -- subscribe here!
If the economy is picking up steam, as it did in the second quarter of each of the last two years, it will be doing so from a stronger point than seen in either of those two periods. The preliminary estimate of first quater Gross Domestic Product growth was revised upward, from 0.5 percent in the initial review last month to 0.8 percent now. Of course, this is still very weak, but the first quarters of each of the last couple of years have seen a decline of 0.9 (2014) and a positive 0.6 percent (2015). It is believed that there are a number of adjustment errors that make the first quarter period hard to accurately reckon, so the softness in each of these periods may be overstated to an unknown degree. Regardless, growth was revised upward, and if the pattern holds may be firming much more quickly right now. The updated GDP report showed no change in the Fed's preferred inflation measures -- headline PCE is 0.3%, but core PCE remained at 2.1 percent, just above the Fed's stated speed limit.
In signs that the long run of low rates and labor market improvement is having at least one desired effect, sales of new homes rose to their best annualized rate since 2007. April's 16.6% leap to a 619,000 pace was far better than markets expected, and came despite a jump in new home prices (plus 9 percent month over month). If it holds, the spike in sales means homebuilders will simply have to build more inventory, which fell to just 4.7 months of stock at the current pace. Presently, there are 243,000 built and available units for sale, down by 1,000 over March, the first actual drawdown of stock from month-to-month since last July.
If HSH's weekly MarketTrends newsletter is the only way you know HSH, you need to come back and check out HSH.com from time to time. You'll find new and changing content on a regular basis, unique calculators, useful insight, articles and mortgage resources unlike anywhere else on the web.
Orders for durable goods rose by a stout 3.4 percent in April, fast on the heels of a 1.9 percent gain in March. This was the first back-to-back increase in orders since June-July of 2015 and certainly gives the second quarter a running start. That said, the headline figure did appear to overstate the strength of the report, as much of the increase was concentrated in transportation-related orders; without them, just a 0.4 percent rise was tallied. Also, the so-called "core measure" of durable goods orders (a proxy for broader spending by businesses) actually declined by 0.8 percent, and hasn't posted a gain since January. Despite that, the report was pretty fair.
It may be that next week's Institute for Supply Management report for May will show lackluster gains (if any) in the nation's manufacturing sector. Last week we learned of weaker May factory activity in two regional Federal Reserve districts (New York, Philadelphia). This week we discovered that conditions aren't great in two others, as the Richmond Federal Reserve Bank's barometer slumped from a positive 14 in April to a negative 1 in May; new orders flatlined and employment gains were muted. Out in the heartland, the Kansas City Fed's local gauge also lost momentum as it dipped by one tick to minus 5 for the month. The KC Fed's tool hasn't showed a positive reading in well over a year, but the recent trend was at least heading in the right direction until this stumble. April's ISM was just a hair over the breakeven level of 50, and there doesn't appear to be a reason to expect much by way of improvement at the moment. We'll find out next Wednesday.
|Find these only at HSH.com!
|Mortgage data:
|Today's Surveyed Rates
|Historical Mortgage Rates
|Mortgage Trend Graphs
|Downpayment Decisioner
|Tri-Refinance Calculator
|PMI Cost Calculator
|Housing & Salary Study
|Mortgage Rate Surveys
|Home Value Estimator
If the employment report for May shows a rebound in what has been a moderating pattern for hiring, it would make a move by the Fed in June much more likely. After a near-term monthly peak of almost 300,000 new hires last November, the trend has mostly been a cooling one, easing to just 160,000 new hires last month. That said, 0.8 percent GDP growth in the first quarter may not have required much by way of new workers to meet production goals, but if the economy is warming up we may see hiring start to trend upward again. To the extent that weekly initial unemployment claims can provide clues, it would appear that we might actually see low-end figure, as claims numbers in May have been rather above those posted in April. However, initial claims have been slipping back to trend after a couple of week spike that closed April and begin May. New claims for benefits fell by 10,000 to 268,000 in the week ending May 21.
Consumers seem to feel better about their situations. The final May reading of the University of Michigan survey of Consumer Sentiment sported a 5.7 point gain for the month, with increases in assessments of current conditions and expectations for the future both contributing to the rise. The increase this month was the first gain of 2016 and puts us on par with levels seen last June and July. It's interesting to note that this is also occurring at a time when gas prices have been generally firming, trimming purchasing power to some degree, which often seems to temper enthusiasm, but the assessment of present conditions is now at a level last seen in 2007, so the effect must be limited at today's relatively reasonable prices.
See fresh mortgage rates every day at HSH.com Follow us on Twitter for even more need-to-know news!
Does mortgage history repeat? Usually. Find out what happened last week/month/year with MarketTrends archives!
HSH's Statistical Release features charts and graphs
for eleven mortgage products, including Hybrid ARMs.
Our legacy state-by-state statistics are now here.
In the week (and weeks) ahead, we're going to learn a lot about where mortgage rates will go this year. The Fed seems on a path to get at least one rate increase under its belt in 2016, and there are reasonable chances that more will come (we're still on the record as expecting two). Mortgage and other interest rates have risen along with the increasing probability of a Fed move, but markets know very well that there are limits to what the Fed can do, given a rough world economy and strong appetites for U.S.-backed debt. Given the situation, a Fed lift will probably create more flattening of the yield curve -- short-term rates closing in a bit on long-term ones -- but may have only limited overall effects on rising the longer-term rates that influence fixed-rate mortgages.
We'll see about that, probably in the next "couple of months". At the moment, though, we'll come out of the unofficial start to summer's holiday weekend and right into a torrent of first-of-the-month data -- the twin ISM surveys, car sales, imbalance of trade, employment report and more. The mild uptrend for rates seems likely to persist next week, so we think we'll see a 2-4 basis point increase in HSH's FRMI, perhaps a little more of the data is on the stronger side.
For a longer-range outlook for mortgage rates and the economy, one which will run through mid-July, have a look at our new Two-Month Forecast. If you're wondering where we'll go after that, you might have a look at our 2016 outlook.
For a really long-range outlook, you'll want to check out "Federal Reserve Policy and Mortgage Rate Cycles".
Still underwater in your mortgage despite rising home prices? Want to know when that will come to an end? Check out our KnowEquity Underwater Mortgage Calculators to learn exactly when you will no longer have a mortgage balance greater than the value of your home.
Have you seen HSH in the news lately?
Want to comment on this Market Trends? -- send your feedback, argue with us, or just tell us what you think.
See what's happening at HSH.com -- get the latest news, advice and more! Follow us on Twitter.
Daily FRMI rates are available at HSH.com; Check out our weekly Statistical Release here (and archives here).
For further Information, inquiries, or comment: Keith T. Gumbinger, Vice President
Copyright 2016, HSH® Associates, Financial Publishers. All rights reserved.


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Comments 3
Bill Rowland
I agree, but it's never going to happen.
In many respects, quick & dirty bullet pointed lists are a function of the sound bite culture in which we live. Whether the reader is an SEO, online marketer or member of the public, few are willing to put in the work to really get value out of a truly thoughtful post or opinion.
That said, maybe it should start with a personal boycott. If so, I'm in.
Your letter reminds me of a post I read a while back about a website who was complaining that top ten sites were killing their page views… so as an informal response, that website posted a 'top 10 keywords of 2011' page.
How's that for SEO conformation? Stop crying, start conforming.
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I've always had larger dogs 50 to 90 lbs and pretty thick or heavy coats. Now I have a very short-coated terrier mix. Like almost no hair on her belly and the length of the rest of her coat is maybe 1/4" to 1/2". I know my Furminator doesn't work (goes back to the horses now).
So far I've used a really rough washcloth (think no fabric softener) but that's really not doing it.
I really need to go to Pet Smart and ask but when I'm over that way, I never remember (old age is a BWITCH!). We've got a Tractor Supply really close so I've attached a page of pet brushes. Can anyone with a short-coated dog suggest anything they see on the TSC page? Muchly appreciated if you can. :)
Obviously if you can suggest anything else that's great also! :)