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Proposals for a Sovereign Debt Restructuring Mechanism (SDRM) -- A Factsheet
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New Approaches to Sovereign Debt Restructuring:
An Update on Our Thinking
Anne Krueger
First Deputy Managing Director
International Monetary Fund
Conference on "Sovereign Debt Workouts: Hopes and Hazards"
Institute for International Economics
Washington DC, April 1, 2002
1. Introduction
Thank you, Fred. And good evening ladies and gentlemen.
It is a great pleasure to join you here this evening and especially to be speaking in the IIE's elegant new home. For 20 years the institute has been undertaking important and interesting work on a wide variety of international economic issues, combining intellectual rigor and policy relevance. I hope that your new surroundings are proving suitably inspirational and that we can expect more of the same in the future.
It is four months now since I made the case for a new approach to sovereign debt restructuring in a speech to the National Economists' Club. I said then that there were many difficult questions that had to be tackled before we would have a detailed blueprint. We are some way further down that road now, thanks in no small part to the many useful inputs we have received from academics, the private creditor community, non-governmental organizations, and our member countries. They have enriched our understanding both of the weaknesses in the current system and the possible solutions. Doubtless your deliberations tomorrow will provide us with further food for thought.
To that end, I thought it would be useful to set the stage for your discussions by explaining briefly tonight how our thinking has progressed since last November.
I will have three key points to make:
To expand on these points, let me begin by outlining the case for reform and the core features that any new approach to sovereign debt restructuring would have to possess. I will then turn to the roles of the Fund and private creditors in the restructuring process, the question that has dominated discussion of the proposal to date. Finally, I will discuss some of the key questions that remain outstanding, before concluding.
2. The Case for Reform
Over the last two to three decades, greater integration of capital markets and a shift from syndicated bank loans to traded securities have both had a profound impact on the way that emerging market countries finance themselves. Sovereign borrowers increasingly issue debt in a range of legal jurisdictions, using a variety of instruments, to a diverse and diffuse group of creditors. Different creditors have different time horizons for their investments, which means they respond in different ways to economic shocks that affect a borrowing country's ability to service its debt.
These developments have enhanced the efficiency of international capital markets. They have broadened the investor base from which emerging market sovereigns can seek finance and helped investors diversify risk. But, at the same time, an increasingly diverse and diffuse creditor community also creates problems of coordination and collective action when a sovereign's scheduled debt service exceeds its ability to repay and a rescheduling or restructuring of its debt becomes necessary. It also hampers restructuring by exacerbating concerns about inter-creditor equity and by making it more difficult to establish a collaborative relationship between debtor and creditors.
During the debt crisis of the 1980s, collective action problems were limited by the presence of a relatively small number of large creditors, by contractual provisions in syndicated loans that deterred litigation, by the desire of banks to maintain good relations with the debtor to secure future business, and, on occasion, by moral suasion from supervisory authorities. Restructuring took time, but was in most cases orderly.
The move from commercial bank loans to bond issuance in the 1980s and 1990s has made creditor coordination much more cumbersome. This in turn has made it more difficult for all concerned to predict how the restructuring process will unfold. Many creditors now have no ongoing business relationship with the debtor to protect. Their interests are more diverse. They are less subject to moral suasion. And some now specialize in buying distressed debt cheaply and suing for full payment. Typically, a comprehensive sovereign restructuring may require coordination across many bond issues, as well as syndicated loans and trade financing. The task is further complicated by the repackaging of creditor claims, for example through mutual funds that separate the lender of record from the end-investor who holds the economic interest.
A sovereign borrower with an unsustainable debt burden and a diffuse group of creditors may find it very difficult to get them to agree collectively to a restructuring that reduces the net present value of its obligations to a manageable level. Even if the restructuring would be in the interests of creditors as a group, some may consider that their interests would best be served by trying to "free-ride" in the hope that ultimately they can secure repayment in line with their original contracts. In addition, credit derivatives may provide investors with incentives to hold out in the hope of forcing a default, thereby triggering a repayment under the terms of the derivative contract.
Prior to a default, individual creditors have an incentive to hold out in the hope that restructuring by others will allow the debtor to continue to pay the free-riders. Once a default has occurred, collective action issues may still be a problem, especially if a large reduction in the net present value of the debt is required.
Some creditors may be tempted to sue, although litigation has never been a particularly attractive route for most creditors seeking repayment by a sovereign - in part because of difficulty identifying assets that could realistically be seized to enforce a judgment. As the historian Max Winkler observed in 1933:
"In the case of a private default the lender can follow up the defaulter to his very fount and origin, and discover for himself his prospect of repayment. When a government defaults, the creditor must seek his way through myriad miles of tape of all colors, must track and backtrack across a road obscured by the prints of a thousand red herrings, before he can even come to the surface of the facts".
But although litigation remains costly and difficult, new legal strategies have been developed in recent years that have made the outcome of post-default restructuring more uncertain. For example, recent legal action against Peru shows that holdouts can try to extract full payment from the sovereign by threatening to interrupt payments on the restructured debt, rather than by trying to seize its assets. This possibility may make potentially cooperative creditors more reluctant to participate in a restructuring. Currently there is pending litigation in another case, regarding the Democratic Republic of Congo, that raises somewhat similar issues. But as it is still before the courts, I do not want to comment further tonight.
Having initially focused on coordination problems and the threat of litigation, I have been struck - after many discussions with the private creditor community - by the importance of two other factors that hamper necessary restructuring. First, concerns about inter-creditor equity in case debtors attempt to pay some favored creditors ahead of others or to subordinate one class of creditors to another. Second, the diversity of the creditor community encourages debtors to opt for take-it-or-leave exchange offers rather than engaging in a collaborative dialogue with all creditors. Any new approach should address these barriers to orderly restructuring too.
The bottom line is that far-reaching developments in capital markets over the last two or three decades have not been matched by the development of an orderly, predictable framework for creditor coordination, in which the roles of the debtor, the creditors and the international community are clearly spelt out. This is more than a matter of academic interest. It imposes significant costs on all the parties involved.
Like a patient with toothache avoiding a trip to the dentist, a debtor country will all too often delay a necessary restructuring until the last possible moment, draining its reserves and increasing the eventual cost of restoring sustainability. Creditors suffer too, as the fear that some may be unfairly favored in a disorderly workout depresses the value of claims on the secondary market and, at worst, may block agreement on a necessary restructuring. All this can leave the international community with the unpalatable choice of accepting a disruptive and potentially contagious unilateral default, or bailing out private creditors and thereby contributing to moral hazard.
Our goal therefore should be the creation of better incentives to encourage the orderly and timely restructuring of unsustainable sovereign debts, while protecting asset values and creditors' rights. As well as reducing the costs of disorderly workouts, a more predictable framework would help private investors and lenders distinguish between good and bad risks. By reducing moral hazard and making borrowing costs better reflect true risks, this should help countries with good policies attract capital more cheaply, and should help prevent countries with weak policies from building up excessive debts that might leave them vulnerable to potential crises.
All in all, this would result in a better allocation of global capital and make the international financial system stronger, more efficient, and more stable. In so doing, it would complement the valuable reforms that have already been undertaken in crisis prevention and crisis management in response to the market turmoil of the late 1990s.
Some commentators fear that alleviating the collective action problem will make default an easy way out. But the prospect of economic dislocation, political upheaval, and possible long-term loss of access to international capital markets will still make countries loath to default on their debt service obligations in all but the most extreme circumstances. We would also seek to structure any new framework so that countries only have an incentive to use it if their debts are truly unsustainable and the Fund is therefore been compelled to stop providing financial support until there has been a restructuring. As a result, it seems hard to argue that facilitating orderly debt workouts would significantly weaken the credit culture or create moral hazard.
3. Core Features of a Sovereign Debt Restructuring Mechanism
From what we have heard over the last four months, this diagnosis seems to be shared quite widely among informed observers of the international financial system - certainly among our member countries, but also in the private financial community. Of course, it is one thing to agree on the diagnosis. It is another to agree on a cure.
If we are to create a better framework for the restructuring of unsustainable sovereign debt, the central feature would have to be a mechanism enabling a super-majority of creditors - across the broad range of credit instruments - to make the terms of a restructuring binding on the rest. From the point of view of the creditors, this would ensure that any forbearance exercised by the majority would not be abused by free riders. From the point of view of the debtor, it would make an early agreement more likely and eliminate the threat of disruptive litigation thereafter.
Hopefully, this provision would help restructuring take place before the debtor had defaulted on the original claim. But in case this proved not to be possible, the majority restructuring provision would require the support of three other features:
To make these features operational, the framework would also require independent arrangements for the verification of creditors' claims, the resolution of disputes, and the supervision of voting. This would help reassure investors that they need not worry about the potential for fraud, for example if a country were deliberately to issue debt to friendly creditors in sufficient quantities to give them a super-majority to impose a big haircut on all creditors.
Taken together, these elements would provide an environment within which timely and orderly restructuring of unsustainable sovereign debt could take place. Most importantly, it would address the collective action problems that currently make the cost of restructuring excessive for debtors and creditors alike.
Use of the mechanism would be for the debtor to request, not for the Fund to impose. If a debtor can reach agreement with creditors of its own accord, then it would be under no pressure to resort to the mechanism. Indeed, the existence of a predictable framework should in itself help catalyze agreement without the need for formal activation. This is what happens in well-designed domestic bankruptcy regimes. Most restructurings take place "in the shadow of the law" rather than in court.
4. The Role of the Fund and Private Creditors
Now let me turn to the question of who would make the key decisions under the framework and what the legal authority for those decisions would be.
If the problem is essentially one of collective action, it seems logical that the features I have just described should be activated through decisions taken jointly by the debtor and a super-majority of its creditors. Once taken, they would be made binding on the entire creditor body. In principle, this would apply not only to decisions regarding the terms of the restructuring, but also to the stay on legal enforcement and the offer of seniority for new financing. Under this approach, the Fund would not be empowered to make decisions that would undermine the enforcement of creditor rights. Rather, as I will explain shortly, it would rely on its existing financial powers to create the right incentives for debtors and creditors to use the mechanism appropriately.
How would decisions taken by the debtor and the super-majority of creditors be made binding on all creditors?
One approach would be to focus on more ambitious use of the collective action clauses found in some sovereign bond contracts, notably those issued under English law. After all, these clauses already typically embody two key features of the framework we have proposed. First, a provision allowing a super-majority of creditors to block legal action by a minority to force repayment. And, second, a provision allowing a super-majority to bind the minority into the terms of a restructuring.
But exclusive reliance on collective action clauses raises two difficulties:
To address this problem one could develop a "super collective action clause" that would provide for restructuring of a given instrument on the basis of an affirmative vote by a super-majority of all creditors, not just those of the instrument in question.
But there are a number of difficulties with this approach:
Collective action clauses can make a useful contribution to the resolution of debt problems, especially in cases of illiquidity where a smoothing-out of the debt service profile is required rather than a reduction in the net present value of the sovereign's overall obligations. The international community has been urging emerging market countries to adopt collective action clauses for the past five years, with very limited success. Doubtless the task would be easier if more large industrial countries joined the UK and Canada in starting to include them in their own foreign currency denominated sovereign bonds.
But while the wider use of collective action clauses - in either their traditional or an enhanced form - would help resolve some debt problems, it would only take us part of the way. As a result, it would seem essential to give the new approach a statutory underpinning. This would enable claims to be aggregated for voting purposes. But aggregation would not result in the equalization of all claims for restructuring purposes. Safeguards would be needed to protect the seniority of certain claims.
Achieving a statutory basis through a universal treaty obligation, rather than via piecemeal amendments to domestic legislation, would have a number of advantages:
A treaty obligation could be established by amending the IMF's Articles of Agreement. This would require acceptance by three-fifths of our members, carrying 85 percent of the total voting power. This means that although the approach would rightly require very broad support in the international community to be implemented, we could achieve universality without the need for unanimity.
But the following point should be emphasized: while an amendment to the Fund's Articles would be used as the tool to give the mechanism legal force, it would not entail a significant transfer of legal authority to the institution. Under the approach that I have in mind, the essential decision-making power would be vested in the debtor and a super-majority of its creditors - not the Fund. This is consistent with the decision making process that is included in collective action clauses.
Let us examine how this would work, bearing in mind the four key decisions that have to be taken during the course of the restructuring process: the initial activation of the stay on creditor legal action, the extension of the stay (if necessary), the provision of new financing during the stay, and the approval of the final restructuring.
5. Outstanding Questions
Whichever approach - or combination of approaches - we adopt in improving the sovereign debt restructuring framework, there are difficult practical and analytical questions that we need to do more work on. Let me briefly mention five of them:
6. Conclusion
From what I have said this evening, I hope you will agree that we have come a long way since November - although we still have some way to go. The development of our ideas has benefited enormously from the comments and suggestions we have received from outside the Fund and we are looking forward to a continued dialogue as we move forward. I am glad to say that our Executive Board, which discussed the issue last month, shares our diagnosis of the problem and is keen for us to continue working on the various approaches that could contribute to a solution.
Examining the pros and cons of the contractual approach and the possible extension of the Fund's legal authority that we considered last November has led us to a richer understanding of the issues involved and of the challenges we have to overcome.
I believe that using a statutory approach to empower a debtor and a super-majority of creditors could combine the strengths of both approaches, while addressing the weaknesses of each. Combined with a further effort to encourage the use of collective action clauses, this offers us a real hope of helping countries resolve unsustainable sovereign debt problems in a timely and orderly way, to the benefit of debtors, creditors, and the international community.
Lord Jenkins, the Chancellor of Oxford University, said of his recent biography of Winston Churchill: "This is a long book, but not - I hope - a monstrous book." Well, this has been a long speech, but not - I hope - a monstrous speech. The subject is certainly a complex and multi-faceted one. But I believe that tackling it is vital to the future strength and stability of the international financial system. Your deliberations tomorrow will contribute to that goal. I look forward to hearing your conclusions.


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The KSU-KU game should be a really good game. However, I'd also like to see if the plane flies....
What are you going to watch?
Mythbuster's. As usual.
Watch the game....DVR Mythbusters
If it is the plane, it is the Mythbusters and maybe Dirty Jobs.
Price is Right may come to nighttime due to the writer's strike.
Let Prohm's Posse Ride: Hallice, Brady, Stu, Lard, Naz, Deonte, Monte, Matt, Simeon, Jordan, and Babb.
Moment of Truth and KU v KSU. Suppose I'll keep tabs on Drake, as well.
Aggies vs tu, of course!
Go Clones!!
Gig 'em Aggies!!
Saw 'em off!!
How about supporting your our team. ISU plays Colorado tonight at 7 pm.
at Hilton. The team needs great support. Nothing else really matters.
Neither, I am too friggin busy to watch either tonight.
Here's the thing:
If I recorded the KU-KSU game and knew the outcome, I wouldn't want to watch it. I can record mythbusters and enjoy it later still.
Mythbusters - I really don't care to see the pasting that Kansas is going to do to KSU - in fact, I really don't care to watch either team unless they're playing the Cyclones...
"That's what I do. I drink, and I know things." - Tyrion Lannister
"Success is just failure that hasn't happened yet." - life advice from Latrell Spreewell
You have to at least tape Moment of Truth. That show is pretty sweet. I'll be watching Texas and Texas A&M because my bro is down in College Station.
KU v KSU because I know the plane will take-off.
The LOST special enhanced episode.
is the KSU-Ku game on in Central Iowa? If so, what station?
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Bradley William Benson
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Height: 6-3 Weight: 262 lbs.
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Episode 1161
29,974pages on
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this wiki
|Sesame Street
|Big Bird arrives at the ranch in New Mexico and makes friends with the animals. (repeat of 0811)
|Air date
|April 24, 1978
|Season 9 (1977-1978)
- The truck arrives at the ranch in New Mexico where Spanish-speaking people are waiting. Luis greets his relatives with hugs, and introduces them to his friends. Big Bird is introduced to Luis' relatives. He attempts to greet them in Spanish, but they understand each other in spite of the language barrier.
- Cartoon: A girl wonders what would happen if she drew lines together and in different ways, and considers drawing them for a living when she grows up. (EKA: Episode 0856)
- The Twiddlebugs get a new postage stamp portrait of George Washington, but have trouble getting it to stick to the wall. They finally get it to work, but it is upside down. (EKA: Episode 0961)
- Sign Cartoons: "WALK TALL" - A snake tells the man that all he (the snake) can do is "crawl tall."
- Roberta shows Gordon how to make bread in the horno (oven). The stone dome can hold a lot of heat, and the bread is ready in twenty minutes.
- Luis, Gordon, Maria and Bob sing "It's a Wonderful Place," happy to be visiting New Mexico. Oscar has a different take on the atmosphere ("It's a yucky old place!").
- Cartoon: He, She and It show how a faucet works.
- Luis talks to the viewer about the adobe house he and his friends are going to help his grandfather build. Besides adobe, the house is also made of wood and cement. Oscar perks up when he hears that the adobe bricks are made of mud, but becomes frustrated when he learns the bricks are used to build the house.
- Film: How a steamroller is used.
- Sesame Street News Flash: Kermit the Frog reports on the story of Jack and Jill. Jack needs someone to go up the hill with him. First he chooses Mervin, then Francine and Gladys the Cow. Finally Jack chooses Jill, who refuses go up the hill with him again, so he asks Kermit to fill in. (EKA: Episode 1071)
- Bob encounters Big Bird looking very lonely. He wants to "go over there and make friends with them," but feels shy. Bob sings an uplifting song, "Don't Be Afraid to Make Friends," which boosts Big Bird's confidence. He musters up the courage to introduce himself to the ... chickens.
- Mr. Hooper identifies some friends Big Bird is introducing to him through the telephone. The friends are farm animals, and a few people. At the same time, The Count counts all of Big Bird's friends.
- Sesame Street Animal Films: "Rockabye Baby" is sung to a sleepy koala. (First: Episode 0048)
- "The People in Your Neighborhood": Babysitter and Photographer.
- Luis herds a flock of sheep into the corral.
- Sesame Street Animal Films: Water fowl. (EKA: Episode 0981)
- At twilight, everyone talks about their great day inside the house. Maria announces the sponsors. The story of the New Mexico trip continues in Episode 1162.
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- Location:
- Augusta, GA
- Party Albums:
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Purple and Aqua Carnival Baby Shower (30 photos)
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Because it was time for our county fair, I decided to use a playful vintage carnival/fair theme. As a twist for this playful girl baby shower, we used a purple and aqua color scheme with carnival stripes and dots all over.
We used various vintage carnival concepts throughout the shower.
"Admit One" tickets were given to game winners and each guest redeemed their tickets for prizes at the end of the shower. These tickets were also used in other areas of the décor such as the place settings and diaper cake.
Vintage style mason jars were used as glasses for lemonade as well as vases in the centerpiece.
Vintage style globe string lights along the fireplace surrounded pictures of vintage carnival scenes.
The framed invitations, a DIY project designed by Paper & Pigtails and put together by the shower's host and event planner was a playful take on vintage carnival signs.
Upon arrival, guests received welcome packets. In these striped treat bags; guests received 3 game cards, a blank name sticker, pen, and complimentary Admit One tickets.
Centerpieces consisted of circle centerpiece mirrors topped with mason jars filled with baby's breath, small vases of purple tulips, a tea light candle, and purple pacifier favors.
The carnival wouldn't have been complete without our carnival food and drinks. Delicious freshly made lemonade was served in vintage mason jars filled with lemon slices and topped with adorable purple and blue polka dot straws.
Sausage dogs with onions and peppers, macaroni and cheese bites, French fries, and mini corn dogs were just some of the carnival favorites that were served.
Desserts included mini funnel cakes, chocolate covered cheesecake pops, and caramel apples.
A lovely purple and aqua "Sweets & Treats" table was set up for guests to help themselves and fill up the "Thank you" goody bags. Treats such as swirly pops, rock candy sticks, gumballs, jelly beans, M&Ms, gummy bears, gummy cokes, salt water taffy, and adorable cotton candy cups adorned the table along with cookies and the cake. Cookies were in the shape of carnival favorites; a carnival tent, a popcorn box, cotton candy, and an admission ticket with the baby's name and date of the shower.
The 2-tier strawberry cake was an amazing hit.


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The Mission Inhaler DS1 International Hockey Gloves offer the same high performance as the original DS1's but come in limited edition country designs. These gloves have the country flag on the cuff above the thumb and a custom-colored "M" patch specific to the country. Mission included 37.5™ moisture wicking technology, perforated dual density foams and vent mesh to make this their most breathable glove yet.Colors: 2
The Mission Inhaler DS1 Glove Color Packs are replacement Mission logos for the Mission Inhaler DS1 hockey gloves. Easily customize the look of your glove by replacing the current logo with a new color. The logos adhere to the glove by velcro so it makes it easy to take them off or put them on. Each color pack sold individually. One color pack includes two colored Mission logos.Colors: 4
The Mission Inhaler DS2 Hockey Gloves are an elite level glove without the price tag that usually comes with it. These gloves feature Mission's Grip Reaper palm and perforated dual density foams reinforced with plastic inserts to add to the quality of the glove.Colors: 4
The Mission Inhaler DS3 Hockey Gloves are a good glove at an even better price. Outfitted with medium density foams reinforced with plastic inserts, this glove is very lightweight without sacrificing protection.Colors: 3
The Mission Inhaler DS4 Hockey Gloves are a good choice for an entry-level player looking for a lightweight and breathable glove.Colors: 2


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More New and Used
from Private Sellers
Note: Supplemental materials are not guaranteed with Rental or Used book purchases.
Twentieth-Century Europe
ISBN13:by Boyer, John W.
Univ of Chicago Pr
Questions About This Book?
Why should I rent this book?
Renting is easy, fast, and cheap! Renting from eCampus.com can save you hundreds of dollars compared to the cost of new or used books each semester. At the end of the semester, simply ship the book back to us with a free UPS shipping label! No need to worry about selling it back.
How do rental returns work?
Returning books is as easy as possible. As your rental due date approaches, we will email you several courtesy reminders. When you are ready to return, you can print a free UPS shipping label from our website at any time. Then, just return the book to your UPS driver or any staffed UPS location. You can even use the same box we shipped it in!
What version or edition is this?
This is the edition with a publication date of 9/15/1987.
What is included with this book?
- The New copy of this book will include any supplemental materials advertised. Please check the title of the book to determine if it should include any CDs, lab manuals, study guides, etc.
- The Used copy of this book is not guaranteed to include any supplemental materials. Typically, only the book itself is included.
- The Rental copy of this book is not guaranteed to include any supplemental materials. You may receive a brand new copy, but typically, only the book itself.
The University of Chicago Readings in Western Civilization (nine volumes) makes available to students and teachers a unique selection of primary documents, many in new translations. These readings, prepared for the highly praised Western civilization sequence at the University of Chicago, were chosen by an outstanding group of scholars whose experience teaching that course spans almost four decades. Each volume includes rarely anthologized selections as well as standard, more familiar texts; a bibliography of recommended parallel readings; and introductions providing background for the selections. Beginning with Periclean Athens and concluding with twentieth-century Europe, these source materials enable teachers and students to explore a variety of critical approaches to important events and themes in Western history. Individual volumes provide essential background reading for courses covering specific eras and periods. The complete nine-volume series is ideal for general courses in history and Western civilization sequences.
Table of Contents
|Series Editor Foreword
|General Introduction
|Mentalities on the Eve of the Great War
|The Futurist Manifestos
|The Young People of Today
|The Economic Foundations of the Women's Movement
|Germany and the Next War
|Stenographic Protocol of the Last Meeting of the International Socialist Bureau of the Second International European Society during the War
|Speech in the Reichstag on War Credits
|A Co-Partnership of Classes?
|Introduction: The Round Table on England in the War
|The War and English Life
|Response to Alfred Zimmern
|Germany's Provisions for Raw Materials
|A Crisis of Morale in the French Nation at War
|Between Two Laws
|Thoughts for the Times on War and Death
|The Economic Consequences of the Peace Europe between the Wars
|Extremists: Fascist Right and Communist Left
|Mein Kampf
|The Doctrine of Fascism
|The Foundations of Leninism Democratic Politicians
|Speech at the Socialist Party Congress of Tours and the Matignon Agreement
|Two Views of Locarno
|The Problem of Appeasement: Introduction
|Speech on the Munich Crisis
|Speech on the Munich Crisis
|Reply to His Critics
|Three Views of Appeasement Intellectuals and Cultural Critics
|The Prison Notebooks
|The Betrayal of the Intellectuals
|Letters on the FactoryandMetaxu
|The God That Failed
|What is Surrealism?
|A Room of One's Own
|On the Bauhaus
|The Work of Art in the Age of Mechanical Reproduction
|Custodians of the Liberal Conscience: Two Views from Vienna
|The Road to Serfdom
|Marienthal: The Sociography of an Unemployed Community
|Europe at Point Zero: The Reconstruction of Order after the Sceond World War
|Voltaire at Ferney
|The Experience of the Concentration Camps
|Existentialism Is a Humanism
|New Britain
|Economic Policy as a Component of Social Policy
|The Bad Godesberg Program
|The Phenomenon of Gaullism: Selections from de Gaulle
|A Red-Letter Day for European Unity Moving Forward
|On Humanity in Dark Times: Thoughts about Lessing
|The Subject and Power
|The Long Revolution
|Index of Names
|Table of Contents provided by Publisher. All Rights Reserved.


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Michael Cuddyer: Our All-Star
Congrats to Michael Cuddyer on making the AL All-Star squad as a reserve.
Though perhaps not utterly deserving based purely on the stats, I'm glad Cuddy will be making the trip to Arizona next week because of what he means to the Twins organization.
All teams need leaders, and Michael is exactly that right now for this team. He came up through the Twins' system as a blue-chip prospect, is the only player to be a part of every Twins division title since 2002, and will play anywhere you ask him (I've seen him at first, second, third, left, center, and right).
So, in a down year for individual Twins, I'm excited that Cuddy gets this thrill. I even have a crazy idea for AL skipper Ron Washington: Remember Caesar Tover? Well, how about a similar Cuddy experiment July 12?! Think about it…!


text: Jerry Wexler (record executive and producer; born January 10, 1917, died August 15, 2008) Before the advent of rock and roll, the term producer wasn't even part of the recording-industry vocabulary. "No one really knew how to make a record when I started," Jerry Wexler has said. "You simply went into the studio, turned on the mike and said play." However, with the proliferation of independent record labels in the 1950s came a new breed of hands-on music-industry entrepreneurs. Among the most influential and important of these was Wexler at Atlantic Records. His entree into the music business came at ...full bio


text:
College of Undergraduate Studies
Transfer Admission Requirements
If you are a transfer student who wants to apply to Immaculata, you will need to submit:
- Your high school diploma
- Transcripts of all previous college coursework. If you have fewer than 24 college credits, you must have your high school transcript and test scores (SAT/ACT) sent.
- A completed application
Please send your materials to:
Immaculata University Office of Admission
1145 King Road
P.O. Box 642
Immaculata, PA. 19345
A candidate for admission to the Music Department must, in addition, arrange for an audition with the chair of the department.
For more information, please contact Dan Berardi, Transfer Coordinator, at firstname.lastname@example.com or 484-323-3018.


text:
$5 Big Fin Orlando happy hour
I always love happy hours that are actual deals. This looks like a great one.
Big Fin Seafood Kitchen at 8046 Via Dellagio Way in Orlando is offering its "5 for a Fin' daily happy hour (seven days) from 5 – 7 p.m.
Available at the Trophy Bar and the Bar-A-Cuda Patio Bar, there are $5 appetizers and cocktails that include:
Angus burgers, spicy tuna rolls, calamari, popcorn shrimp, housemade potato chips, a variety of wines and well drinks, appletinis, cosmopolitans, lemon drops, Triton's tea, Don Q rum mojitos and best of all, cold water lobster tails (for a limited time).
For more information call 407-615-8888 or go to BigFinSeafood.com.


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Brady C. Ervin was born in Covington, Tennessee; raised in North Little Rock, Arkansas. Obtained BBA ,Industrial Management, from South Arkansas University, Magnolia, Arkansas. He now lives in Heber Springs, Arkansas: on the shore of Lake Greers Ferry. He lives with his wife of 47 years, Ginger and his grandson, Dustin. They have two daughters, Gwen Ervin-McLarty (Kelly) and Tonya (deceased).Brady is self employed with a Chemical Sales Company and is a part-time tree farmer. He planted trees to prevent any future desire to raise cows. His love for the Lord Jesus Christ has enabled him to write a book of poems: A Potpourri of Thoughts in Rhyme; From a Christian Point of View. I would appreciate your input. e-mail: email@example.com
A tree is a sturdy plant, with branches open wide.
They hold the fruit and flowers, but without the root, they die.
Trees are just like people,some wide, some short, and some tall.
You see them gnarled and broken, and some with no limbs at all.
But some are perfect in every way,They seem to reach the sky.
If someone does not cut it, it will eventually die.
A tree made perfect or a tree with burls, woulld die without the root.
Limbs do not add growth to the tree, it is the root that is responsible for the fruit.
Some limbs do not product fruit, they are no help at all.
But a tree has a way to get rid of it, the limb will die and fall.
Now Jesus is the root of man,and man the limb is he.
If man does not produce fruit, you like a limb will be.
Jesus can take a no good limb,when a limb accepts His plan.
It can be made new again,and become a real live man.
There is no life without God,though you may breathe a while.
But life is being born again,and accepting Jesus as a child.*
Brady C. Ervin
* Mark 10:14


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Jay McKinley Novacek
Position: TE
Height: 6-4 Weight: 234 lbs.
Born: October 24, 1962 in Martin, SD
High School: Gothenburg
College: Wyoming (school history) (Novacek college stats)
Drafted by the St. Louis Cardinals in the 6th round (158th overall) of the 1985 NFL Draft.
Weighted Career AV (100-95-...): 45 (1851st overall since 1950)
5-time Pro Bowler & 1-time First-Team All-Pro (fine print)
Other SR Links: College Football at Sports-Reference.com


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There's a lot of candies that feel "timeless" to me. A lot of Brach's candies fall into that category for me. These Jelly Nougats are certainly one of them. It seems like I've always seen them around in grocery store bins. One thing I've noticed since moving to Los Angeles is that I don't' see these Brach's bins in the stores here, which make me a little sad since I'm so accustomed to see them.
OldTimeCandy.com was kind enough to write me and offer some candy samples for me to review. I was super excited to see they carried these Jelly Nougats since it's been so long since I've seen them sold anywhere. I immediately selected a few and eagerly awaited for their arrival.
Upon arriving, I immediately opened the bag as I was excited to finally try one after all these years. They are as pretty as I remember them. They're slightly rectangular little blocks that have a creamy vanilla colored base with bright chucks of jelly in them. Often in tones of ruby, orange and yellow. I tried to squish them a little with my fingers and the nougat has no give to it. I was a little worried that they were a tad old since they felt so rock hard.
The candy smells sweet with a hint of vanilla. Taking a bite I was relieved to find that these are actually pretty soft to bite into. My teeth easily took a bite of the candy off and it softened even more as I chewed it. The flavor is creamy and has a soft, barely there vanilla flavor. It has slight fruity notes from the jellies. I get some "red" flavors, while others are more orange and even lemon. It's a nice mix of flavors, and it's very delicate and not overpowering at all.
I really enjoyed these, but since they're such a "stranger" candy because of the intense chew and subtle flavors, I don't think they're for everyone. I really appreciate how unique these candies are, so I will always be excited to see them. Since they are on the rarer side, if you seem them, it's not a bad idea to give them a try.
Rating: Will Eat Again
Links Brach's Website


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This time of the year always bring a fullness of happiness and sadness to our CTU community. Thursday, May 16, we celebrated the 45th annual commencement for the 2013 class. We have prepared our graduates to go out into the world and do the work that God has called them to do. As stated in our mission, we prepare effective leaders for the Church, ready to witness to Christ's good news of justice, love, and peace. We say now to our graduates, "Go now and become the overflowing spirit of God as a campus minister, DRE, or leader of the Church. Foremost, continue to be the engagers in ministry in the United States and around the world."
The CTU community, along with the graduates, families, and friends, celebrated this vast achievement. The feelings that arise at this time of the year are bittersweet; there is the sadness that the relationships that you have built are changing. But we at CTU know that this part of the graduate's journey is not the end but a continuation -- they are moving on to new beginnings and their future is blazing bright. We at CTU are grateful that we had them here with us. Congratulations to the class of 2013!


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Ogre Eyes Hot Cocoa RecipeRead Reviews Be the first to add a review
4 13 13
Here's looking at you! Halloween guests of all ages will get a kick out of this eerie "vision" staring back at them. It couldn't be easier to make. —Jeannie Klugh, Lancaster, Pennsylvania
- 8 cups milk
- 1 cup mint chocolate chips
- 1 cup instant hot cocoa mix
- 16 large marshmallows
- 16 Crows candies
- 16 lollipop sticks
- In a large saucepan, combine 1 cup milk, chocolate chips and cocoa mix. Cook and stir over low heat until chips are melted. Stir in remaining milk; heat through.
- Meanwhile, cut a slit in top of each marshmallow; insert a candy. Carefully insert a lollipop stick through the bottom of each marshmallow and into each candy.
- Pour hot cocoa into mugs or cups; place two prepared marshmallows in each cup. Serve immediately. Yield: 8 servings.
Editor's Note: If mint chocolate chips are not available, place 2 cups (12 ounces) semisweet chocolate chips and 1/4 teaspoon peppermint extract in a plastic bag; seal and toss to coat. Allow chips to stand for 24-48 hours.
Originally published as Ogre Eyes Hot Cocoa in Simple & Delicious September/October 2008, p33
Reviews for Ogre Eyes Hot Cocoa
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Click stars to rate
Any changes to your rating or review will appear where you originally posted your review
Reviewed Sep. 14, 2015
"I love this it is awesome."
Reviewed Oct. 14, 2011
"Very cute idea! For those that are confused about the lollipop sticks, that not only keeps the 2 eyeballs together, but prevents them from flipping over due to the weight of the candy. Without the stick, they would fall forward into the hot cocoa."
Reviewed Nov. 1, 2010
"What a great idea! I think I will try Junior Mints next time. Very cute."
Reviewed Nov. 1, 2010
"The kids loved it. We followed the recipe and the kids enjoyed helping."
Reviewed Oct. 31, 2010
"VERY cute idea - had enough details that one should be able to make it without issues. Some suggested other candies, but need to remember that some candies' colors may bleed into the marshmallow... which may or may NOT be desirable.We got a good chuckle out of this great idea!"


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Arizona women's tennis fell in both singles and doubles in the quarterfinal round and round of 16 at the ITA Regionals on Saturday.
Seniors Kim Stubbe and Lacey Smyth fell to the nation's No. 1 ranked team, USC's Christian and Santamaria, 8-2. Senior Akilah James and freshman Lauren Marker fell in a close 8-6 decision to USC's Olmos and Scandalis.
Stubbe also made it to the quarterfinal round in singles play, but retired her match to USC's Brynn Boren in the second set.
For immediate results and continued coverage of Arizona Women's Tennis, visit ArizonaWildcats.com, or visit the Arizona Women's Tennis Facebook page, or follow @ArizonaWTennis on Twitter and Instagram.
Christian/Santamaria (USC) def. Smyth/Stubbe (UA), 8-2
Olmos/Scandalis (USC) def. James/Marker (UA), 8-6
Brynn Boren (USC) def. Kim Stubbe (UA), 6-1, 3-2, ret.


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Southern States supports FFA chapters
Published: Tuesday, February 19, 2013 at 12:42 p.m.
Last Modified: Tuesday, February 19, 2013 at 12:42 p.m.
RICHMOND, Va. | Southern States is supporting the National FFA Organization by selling FFA emblems for $1. The campaign takes place through March 24.
"We are deeply appreciative of Southern States and their assistance to raise financial support for FFA and heighten community awareness about our organization," said Rob Cooper, executive director of the National FFA Foundation. "Funds raised through the sale of the FFA emblem at Southern States stores will support FFA at the local, state and national level and ensure that we're able to continue to develop students' leadership, growth and career success potential."
Southern States is a supporter of FFA and is proud to be the sponsor of the "I'm Supporting FFA" fundraiser, said Thomas R. Scribner, president and CEO of Southern States. "Every dollar collected will benefit FFA members across the area. Southern States has a rich heritage of working with FFA and hopes the public will assist with the project by supporting the effort and contributing a dollar for a personalized paper FFA emblem."
After a customer buys an emblem, he or she can sign their name on it or even the name of a child they care about. The emblems will then be displayed in the store for all to see. Proceeds are split between the local FFA chapter, the state FFA association and the National FFA Foundation.
Country Farm & Garden in Denton and Hill's Farm & Garden in Thomasville are Southern States stores in Davidson County.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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There's a reason many supermarkets and drug stores devote an entire aisle to nutritional supplements. For those of us on a quest for better health, it's hard to resist the promise that it can be delivered in the form of neatly packaged pills.
One in three American adults takes at least one dietary supplement each day, reports the Office of Dietary Supplements at the National Institutes of Health. Overall, Americans spend more than $11 billion annually on vitamins and minerals, according to the most recent government figures.
"There's so much interest in nutrition today," says dietitian Joan Salge Blake, a professor at Boston University and a spokesperson for the Academy of Nutrition and Dietetics. "Baby boomers, especially, are interested in living longer and better than the generation before. They are savvy about seeking out information; they follow health news and use the Internet to learn more. I think many are willing to do whatever it takes to stay healthy."
(MORE: Fiftysomething Diet: 5 Ways to Make a More Healthful Breakfast)
Enter supplements. Most healthy adults can benefit from a multivitamin and one or more single-ingredient supplements, says dietitian Elizabeth Somer, author of Eat Your Way to Sexy (Harlequin, 2011). The problem, though, is that too many of us are simply guessing about our needs, based on what we see in headlines or hear from friends. Here, Salge Blake and Somer clear up some widespread myths about what supplements can do for you and share tips for making sense of product labels and claim
Click here for the 5 biggest myths on Next Avenue.
Don't miss out on MORE great articles like this one. Click here to sign up for our weekly newsletter!
Photo courtesy of Africa Studio /Shutterstock.com


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Tuesday, June 30, 2009
Review: Fabriano Artistico 100% Cotton Traditional White Hot Pressed Paper
Fabriano Artistico 100% Cotton Traditional White Hot Pressed Paper is one of my ALL-TIME favorite products. I bought this pad of 25 sheets two years ago and I just finished it the other day. You might wonder- if it's one of my favorites, why I haven't gone through more of it in that two year period? The answer is, I have many different kinds of paper in different shapes, sizes and surfaces and I tend to jump around a lot.
This is just the smoothest paper to work with any media - and I probably love it best for drawing with a fountain pen. Watercolors are wonderful on hot press, but it works differently than cold press. Cold press is textured and shows more depth. Cold press also absorbs the paint a little faster than hot press- paints can be worked on the surface longer than on cold press. (Which can be challenging to people new to watercolor painting.)
I love the 5x7" size, and that the cover folds back. It makes it the perfect size to work in one hand, and I love that you can remove a sheet from the block by lifting up one corner and peeling it off. I prefer this method of removal over the watercolor blocks where I have to cut the page free with a knife because I often end up tearing or cutting the edges. (Because I'm impatient.)
So now that it's finished, I looked back through my archives to see what I created with those 25 sheets of paper. I was able to find 20 of the 25 and I wonder what happened to the other 5 pages. Did I somehow screw them up and throw them away? That's not like me so I wonder where they are.
What follows is each of the 20 pieces I found, and they are in somewhat chronological order from oldest to newest.
One of my early watercolors - opaque Grumbacher paints. (I never use them anymore.)
Grumbacher opaque watercolors
Possibly Van Gogh watercolors
Using a Niji Waterbrush for the 1st time
Grumbacher again, painted while I was recovering from hernia surgery.
Not one of my finest pieces.
My 1st tube of artist quality water color. I drove to Blick and bought a tube of Holbein's Rose Madder.
Watercolors - maybe W&N Cottman?
Ink doodle. Mandalas have started to kick in.
Artist grade paints. Holbein, Schmincke, Daniel Smith
Started a long time ago - probably the Grumbacker, finished with black marker and Pitt Brush Pens.
Artist grade paints. Holbein, Schmincke, Daniel Smith
This is actually purple... very purple. Scanner couldn't capture it. I was painting with fountain pen ink, then added the doodles and additional colors. (Prismacolor pencils...I think)
Fountain pen mandala
Mandala was drawn with fountain pen ink, and then I took a waterbrush and carefully touched the lines to pull in some of the color in the white spaces. Additional watercolor added to the corners.
Painted with Private Reserve Burgundy Mist fountain pen ink.
Fountain pen doodle
I believe this was drawn with a calligraphy dip pen and Sennelier China/India Ink. Painted in with artist grade watercolors.
Fountain pen and Prismacolor pencils.
Fountain pen mandala. Diamine Steel Blue and Violet inks.
Fountain pen mandala. Diamine Violet (yes... it looks blue here) and Diamine Gray.
9 comments:
- Sam said...
Absolutely fantastic artwork, I love it! My favourite piece is the Grumbacker; very cool. :)
- June 30, 2009 at 7:51 AM
- B2-kun said...
Good looking examples. The colors certainly look nice and bright on this smooth support.
- June 30, 2009 at 10:34 AM
- betsy cañas garmon said...
especially like the monochromatic fountain pen drawings...
I don't see much buckle when you used watercolors. Did it handle water or did you go light on the amount you used?
Beautiful work
- June 30, 2009 at 11:52 AM
- Amy Jane said...
Awesome....I see a trip to Dick Blick in my future!
- June 30, 2009 at 12:39 PM
- Gentian said...
Wonderful to see the various pieces! Thank you for sharing. I should try this paper sometime.
- June 30, 2009 at 12:55 PM
- Woodworker said...
Wooow you are realy talented. It is my still desire to wish I could draw like that
- July 3, 2009 at 2:07 PM
- Biffybeans said...
Sam - Thank you very much!
B2-kun - yes - I too love the way that colors pop on this paper.
Betsy - most watercolor blocks I've worked with have kept the paper pretty tight with little buckling. With this small 5x7 size, I never really noticed any buckling.
Amy - I'm with you!
Gentian - your welcome, and thank you!
Woodworker - thank you very much!
- July 4, 2009 at 2:01 PM
Beautifull, kindness, sweetness, generousity, full of soul... thank you so much... thank to exist! Karine.
- February 11, 2010 at 9:45 PM
- Michael Stewart said...
I've been using Fabriano Artistico 140 lb hot press paper for years and loving it. With the last few batches I've bought, however, I've been noticing that white spots start appearing in ink and watercolor washes. This is extremely disappointing. Has Fabriano changed the way they manufacture the paper? I'm wondering if anyone else has had this problem.
- April 5, 2010 at 11:28 AM


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Trinity Christian's Marquion Lane signs with West Virginia Mountaineers
Published: Wednesday, February 6, 2013 at 5:30 a.m.
Last Modified: Wednesday, February 6, 2013 at 8:34 p.m.
One of the items on the Lane family's to-do list is to buy a new TV so the relatives can watch two different college football games at the same time.
Photo Galleries
Trinity Christian's Marquion Lane signed a letter of intent Wednesday to play at West Virginia, joining his brother, Marlin Lane Jr., as a Division I football player.
Marlin, a running back at Tennessee, will be a junior this fall.
"My mom, dad and auntie are trying to see which channel to watch now. They're trying to get a split screen TV," Marquion said after he donned his Mountaineers cap and signed his letter of intent in front of students at the school chapel.
Marquion, a dual-threat quarterback who accounted for 2,094 yards and 23 touchdowns last season, said West Virginia recruited him to play cornerback, a position switch he welcomes. He was a Class 2A All-State selection as a utility player.
"My whole life, I've played both ways,'' he said. "I had a feeling I'd play receiver or corner in college.''
Marquion fractured his right ankle in the final regular-season game and underwent ankle surgery in November.
"I'm not running yet,'' Marquion said. "Right now, I'm building up my knee. The bones are kind of weak.''
Marquion, who played at DeLand High as a junior, said he chose West Virginia from among 17 scholarship offers. He said he felt a good connection with Moutaineers head coach Dana Holgorsen and associate head coach Joe DeForest.
"They stuck with me all through my injury and the transfer,'' Lane said. "They kept up with me with my grades and my surgery and making sure I'm keeping up with my rehab.''
Marquion, who has four younger brothers who also play football, said he spent 3-4 weeks working out at Tennessee last summer, the highlight of which was beating Marlin in a foot race.
Tennessee and West Virginia are not scheduled to play next season, but Marquion said, "If we do play them (in the future), with us on different sides of the ball, it's going to be a battle.''
All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


text:
As seen on the National Geographic Channel.
Sale Price:
Over the 20th and 21st centuries, the rise of our civilization has seemed unstoppable. But could our modern, industrialized civilization fall apart like great ancient ones before us? Two hundred years from now, will scientists find evidence that we followed a recipe for disaster similar to that of the Maya or the Romans? To understand a collapse, imagine it has already happened.
National Geographic reveals a vivid look into the future to our descendants in the year 2210 as they set out on a scientific expedition to figure out what brought us down. A water crisis? Lack of energy sources? Dust storm or global warming?
Not available for shipment outside of the U.S. and Canada.
(based on 2 reviews)
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43 SECOND movie trailer
By JP
from St. Louis
About Me Avid Moviegoer
Best Uses
Comments about Collapse: Based on the Book by Jared Diamond Blu-Ray Disc:
43 SECOND movie trailer on the National Geographic website:http://natgeotv.com/uk/doomsday-2210/videos/collapse-of-earth
Bottom Line Yes, I would recommend this to a friend
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Oil May Be Scarce Between 2030 & 2050
An excellant remake of the move "Collapse" (2009). Oil may be extremely scarce in the year 2030 to 2050 and it MAY lead to a world collapse/crises. They predict food MAY be extremely scarce in the year 2060 (genetic engineering help may solve this problem).


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Tuesday (Wednesday) Coffee Talk - Ethical Racing
Submitted by Kris Thompson on
A recent "incident" at a local race brings up a topic of ethical racing. When is a racer crossing the line when making deals to other competitors while in the race? For example say there are 3 in a break and all 3 are from different teams and likely all in the prize winning. What if one of the racers says "Hey I'll give you all my prize winning if you don't chase me down in my next attack." One of the rider agrees and the rider who made the offer does go on to win the race. Is that wrong and when is the line crossed in going too far? What if the rider was wealthy and basically paid them off to let him/her win? What if this was the event for State Championships?
Striking up deals in the race and sharing of prize winnings happens all the time but when is the deal too much?
OK, this is just one scenario and one could create an dozen or more like examples of offers and deals and such.
News Item:
44 Comments
Hopefully the USAC
Submitted by Anonymous (not verified) on
Hopefully the USAC representative for Colorado looks into this and takes appropriate action regarding the 1st and 2nd place finishers who "attempted to cause the race to result in an outcome other than on its merits." Team points and individual points should be removed at least for this one race and perhaps more. USAC are you there? BRAC? Are either of you fine organizations up for actually taking action to promote ethical and clean racing?
Points: 27
The USAC Regional Rep for CO
Submitted by Anonymous (not verified) on
The USAC Regional Rep for CO lives in TX and is so clueless...
Points: 0
Cyclocross - Louisville CO 2010 - Course issue
Submitted by David on
This whole debate reminds me of the discussion we had 2 years ago about course tape and people avoiding the volley ball sand pit
Was that unethical? Cheating?
Points: 6
Books like A Dog in a Hat
Submitted by Anonymous (not verified) on
Books like A Dog in a Hat show there is a long history of these things happening in the pro ranks but my knee jerk reaction when I hear about payoffs is that they are lame and diminish the nature of the sport. I say this from a fan's perspective. I would like to hear the opinions from people who race Pro 1/2/Open, maybe it's not a big deal to them and an accepted part of racing bicycles. In my cat, the satisfaction of winning a race is a much more valuable thing than the $50 gift cards and merch prizes we get.
Points: 25
Co Cross Cup is NOT orofessional racing
Submitted by Anonymous (not verified) on
Colorado cyclocross is NOT the pro tour where livelihoods are at stake. Other than 3-4 guys who also race on the road/MTB circuit (Danny, the occasional USGP guy when in town), the open race is populated by committed & talented amateurs who are not dependent on CX for rent/food. I would like to see all prize $ taken out of the local racing scene, with lower entry fees as the result. The fast guys are going to show up and race regardless of prize $, and perhaps we could avoid embarrassing situations where people lose sight of what is important. I would have a hard time justifying a mid-race bribe to my family, wouldn't you?
Points: 5
Don't hate the player, hate the game
Submitted by Anonymous (not verified) on
Agreed, why is it necessary to have cash prizes at these local races?
Points: -10
Rewards greater than Risk
Submitted by Mike (not verified) on
Unfortunately this is the walk of life... regardless of the situation when the perceived reward is greater than the perceived risk humans seem to tend to take the risk. I've known people who I thought to be of good moral character do something questionable and surprising.
The only way to curb this problem is to greatly increase the risk which will maybe reduce the number of occurrences but there will always be someone out there willing to take the risk and break the rules.
As another response mentioned, what is "ethical"? At the end of the day this is (mostly) a personal decision. Just as this country debates people's beliefs vs laws, even when there are laws they will be challenged in many ways.
So was the above example "ethical" racing...? Not in my book. Was it fair? Seemed to be for the two racers involved.
How to solve the problem...? More rules? Encourage racers to report these incidents? At some point when is racing no longer fun for the masses?
Points: 3
I sold a Local Crit once
Submitted by Anonymous (not verified) on
It's true. Was back in the "dark times" when Joe Papp was still selling EPO to guys in CO. Pretty sure a number of the guys in the break were customers. Either way, they cam to me, the amateur whose team needed a W, and stated "give us the money and you get the win you guys need". I spent the next lap or so mulling it over, being questioned a few times as to my answer. One of the guys attacked and when it came back together it was clear I was either selling the race or getting dropped from the break.
I cracked and sold it.
Having been at the sport for a LONG time now it's definitely the race day that I regret most. I never hit that same type of decision with doping but I fairly sure my teammates did. As a racer, even when racing on the rivet, you know damn well when you hit the line of what's ethical and what's not. I think until you hit that point it's tough to pass too much judgement. The "dark times" are now proving that a lot of well-intended riders didn't make the decision they thought they would when they hit that ethical line.
Points: 9
So let me see get this
Submitted by Anonymous (not verified) on
So let me see get this straight, someone from Boulder cheated in a bike race?
Oh the hypocrisy of it.
Wait this someone might race for BCS? Then that is ok, they have diplomatic immunity with their "ambassadors"
Points: 5
Diplomatic Immunity
Submitted by Anonymous (not verified) on
Diplomatic immunity like in Lethal Weapon? Do they have to say it with the accent? I don't think this behavior is consistent with the rest of the BCS team. Have a hard time imagining Pete or Brandon pulling something like this, they are much more process-than-results guys.
Points: 10


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The lack of snow and sun makes the Salt Lake Valley a pretty dreary place. But not worry my fashionable friends, spring is coming and will bring with it pops of bright and happy colors like Tangerine Tango, Cockatoo, Margarita and Cabaret.
The folks over at Pantone, the world authority on color, surveys New York Fashion Week's top designers to pinpoint the hottest hues of each season.The big colors for spring 2012 span a neutral taupe (Starfish) to vibrant yellow (Solar Power) and deep blue (Sodalite) to dusty purple (Bellflower), and local retailers have embraced the Pantone rainbow.
So, go for it. Add a little brightness to your wardrobe before those April showers bring May flowers.
Pantone colors for Spring 2012, with sketch from Nanette Lapore's spring collection.
Flying Tomanto Lace dress (Margarita), $68, Q Clothing, SLC
Ruffle shirt (Cabaret), $24, Nineteen70, SLC
BB Dakota sequin top, $80; Rag & Bone leggings, $165; silk Rag & Bone Ceremony dress, $450, all with pops of Sodalite Blue; Cake, Park City
Rebecca Minkoff mini MAC (Tangerine Tango), $195, Purse Dreams, SLC
DL1961 Skinny Fit jeans (Cockatoo), $158, Apt. 202, SLC


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The breakdown of love hate neutral frequently does not tell you much anyway... I find it better to read the reviews whenever possible as some ratings do not jive with the actual review text (among other things).
Thread: Review statistics...
I wish there was a way to rank reviews more in depth. Like list all reviewed fragrances by percentage that Love, Hate, or are neutral. I just put on some A*Men and went to look at the reviews. Exactly twice as many people love than hate it, which surprised me for such a strange fragrance. I would have thought it would be about even. Anyway, I would love to be able to rank all frags to see which one had the worst rating, the best, and so on. I don't have the patience to add up loves vs. hates and divide by total to get percentages...
A rose by any other name...would be banned by the IFRA as being a potential allergen
The breakdown of love hate neutral frequently does not tell you much anyway... I find it better to read the reviews whenever possible as some ratings do not jive with the actual review text (among other things).
Current Top Favorites:
1) Portrait of a Lady original formula (EdP Frédéric Malle)
2) Giorgio for Men vintage/V.I.P. for Men (Giorgio Beverly Hills)
3) Dia Man vintage edt (Amouage)
4) Anat Fritz Original Formula and Classical (Anat Fritz) - tie
4) Lalfeorosa (O'driù) - tie
6) Les Nombres d'Or Vetyver (Mona di Orio)
7) Captain vintage (Molyneux)
8) Tzora (Anat Fritz)
9) Javanese Patchouli (Zegna) - tie
9) Monsieur de Givenchy vintage (Givenchy) - tie
9) Coeur de Vetiver Sacré (L'Artisan) - tie
9) Polo vintage (Ralph Lauren) - tie
9) Patou pour Homme Privé (Jean Patou) - tie
9) Oud Shamash (The Different Company) - tie
A rose by any other name...would be banned by the IFRA as being a potential allergen
Sometimes I 'thumbs down' for other reasons, i.e. value for money or longevity issues -- not because I actually dislike the scent, but I would mention this in a review, if posted. I agree though that the parameters are a little limiting for statistic lovers.
There's a lot of selection bias in reviews. Some people won't bother to review a scent they didn't like, and only comment when they're passionate about it.
A rose by any other name...would be banned by the IFRA as being a potential allergen
The reviews a good starting point. I generally take them into consideration if I am thinking about a blind purchase, otherwise I sample. Fortunately, it seems in my case, getting samples has proven to be rather easy.
As you said, reviews are subjective. I tend to look at certain people who I have found to have tastes that run similar to mine, have good judgement, thoughtful and not based on any preconceived like or dislike for certain houses.
Many of the reviewers I follow, will say the fragrance is good, but cost value is not.
All in all, it is not a perfect system, but what is when you are basing an opinion on personal preferences that may not align with others.
I look at reviews from various blog writers, then user reviews...finally, I just come here. I find that I get more (useful) information on a frag through these threads than I do from user reviews.
"We don't fail because we aim too high and miss, but because we aim too low and hit" - Les Brown
"When you're all alone, when no one is watching, and there's no one around to impress, that is who you are" - Greg Laurie
I only read negative comments. You will pretty much get the same reasons why a person loves the fragrance from positive comments, i.e A*Men and the drydown is what's so positive about the fragrance. Whereas negative comments really vary and give a better overall smell on what is wrong with a fragrance.
I think people naturally tend to make mostly positive reviews here. If not, they just opt not to do one at all. As the saying goes, "If you don't have something good to say, say nothing at all." I think people apply that to reviews, too.
I do agree with the OP, though. It would be great if we could click on something to see which fragrances have the highest overall percentage of positive, negative and neutral reviews.
The only problem I could see with this is someone intentionally giving a negative review to make their favorite fragrance move up the ranks.
A rose by any other name...would be banned by the IFRA as being a potential allergen
Yes, I do think this way, but I have never not reviewed my favorites as such because basenotes helped me find them, so I'm returning the favor to the newbs by being honest.
All the reviews in the directory are a valuable resource, but for my purposes, some are more valuable than others. A simple statistical breakdown of each fragrance would be of little use to me, I am more likely to read the critiques of a select few whose nose I trust.
That said, I see no problem in adding an extra statistical element to the review pages.
Formerly known as Inselaffe


text:
Buy 1 Fat Quarter, Get 1 Fat Quarter Free
Hello! My name is Lisa, I am a graphic designer from York, England and I like to design fabric and draw in my spare time. I like mixing handmade with digital and experimenting with different processes. I make dresses and bags for my friends and have an Et
© 2008-2015 Spoonflower Inc


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Pete Seeger was born.
Pete Seeger and Woody Guthrie assemble the Almanac Singers.
'Songs for John Doe,' by the Almanac Singers, appears on the Almanac Records label. The trio—Pete Seeger, Lee Hays and Millard Lampell—is joined on record by Josh White and Same Gary. Producer John Hammond had a hand in organizing and releasing the session, which appears in three 78 rpm records.
Pete Seeger forms the Weavers with Lee Hays, Fred Hellerman, and Ronnie Gilbert.
The Weavers score a double-sided hit with "Tzena, Tzena, Tzena" (#2) b/w Lead Belly's "Goodnight Irene" (#1 for 13 weeks).
Pete Seeger releases a 10-inch record called 'Darling Corey,' his first as a aolo artist and among the first releases on Moses Asch's fledging Folkways Records.
Carnegie Hall concert featuring the Weavers is seen as the beginning of the folk revival.
As a result of his testimony during the McCarthy-era Communist witch-hunts, Pete Seeger is indicted by a federal jury on ten counts of contempt of Congress. Four years later, he is convicted on all counts and sentences to ten concurrent one-year prison terms. In 1962, the convistions are overturned on appeal.
Pete Seeger leaves the Weavers after they record a commercial for Lucky Strikes cigarettes over his objections.
Pete Seeger is signed to Columbia Records by his friend and A&R man, John Hammond. His first album for the label is 'Story Songs.'
Pete Seeger performs a historic concert at New York's Carnegie Hall, which is recorded and released as 'We Shall Overcome.' It reaches #42 and remains on the album charts for 36 weeks.
The Newport Folk Fetival, featuring Bob Dylan, Pete Seeger, Joan Baez and Phil Ochs, is held in Newport, Rhode Island. It is a defining moment in the folk-protest movement.
"Little Boxes," by Pete Seeger, enters Billboard's Top 100. It is his one and only entry on the pop charts.
Pete Seeger launches the restored sloop 'Clearwater,' which serves as his podium for advancing environmental issues over the next several decades. Among his pet causes is the cleanup of the Hudson River, and to this end General Electric is hauled into court for contaminating the river with PCBs.
The antiwar "Marching on Washington" draws 500,000 protesters. Notable performers include Pete Seeger, Arlo Guthrie, Peter, Paul & Mary, and John Denver. Among the speakers are George McGovern, Eugene McCarthy, Coretta Scott King and Dick Gregory.
'Pete Seeger and Arlo Guthrie Together in Concert,' a live collaboration between two generations of folk-music legends, is released. It will be followed by another, 'Precious Friends,' in 1982.
The Weavers reunite after two decades for a pair of shows at New York's Carnegie Hall, scene of their greatest triumphs. The edited performance is released as 'Together Again,' on Vanguard Records.
'The Complete Carnegie Hall Concert,' an unabridged double-CD version of Pete Seeger's historic 'Carnegie Hall concert' from 1963, is released.
Pete Seeger receives the Presidential Medal of the Arts, the nation's highest artistic honor, at Kennedy Center in Washington, D.C.
Pete Seeger is inducted into the Rock and Roll Hall of Fame at the eleventh annual induction dinner. Arlo Guthrie and Harry Belafonte are his presenters.
Pete Seeger wins a Grammy Award for Best Traditional Folk Album of 1996 for his album 'Pete,' on the Living Music label.
Pete Seeger dies at age 94.


text:
Birth Place: Melovashka, Lugansk.
Status: Deceased.
Born: 1940.04.09.
Died: 1973.07.19.
At 15:00 a major review is conducted, with Komarov, Khrunov, Gorbatko, Kamanin, and other VVS officer meeting with OKB-1 leaders Mishin, Tsybin, Severin, Alekseyev, Anokhin, and other engineers. Film is shown of the difficulties in the zero-G aircraft of cosmonauts attempting to exit from the 660 mm diameter hatch. In four sets of ten attempts, the cosmonaut was only to get out of the hatch half the time, and then only with acrobatic contortions - the inflated suit has a diameter of 650 mm, only 10 mm less than the hatch. Mishin finally concedes the point. But installation of the hatch in Soyuz s/n 3 and 4 is not possible - the spacecraft are essentially complete, and to add the hatch would delay their flight 6 to 8 months. Then Mishin makes the astounding assertion that Gorbatko and Khrunov are not adequately trained to be engineer-cosmonauts, and without this he will not allow them into space. He suggests OKB-1 engineers Anokhin and Yeliseyev instead. After outraged response, Severin finally sinks this suggestion by pointing out that no space suit has been prepared for Anokhin, and that it will take two to three months to make one. Kamanin is astounded that Mishin has pushed Anokhin all the way up to Smirnov and the VPK without even knowing he could not possibly fly due to this restriction. It again points out their poor management. Finally Mishin agrees that spacecraft s/n 5 and 6 and on will have 720 mm hatches. The ECS for the suits for those missions will have to be changed from a backpack configuration, with the equipment rearranged around the waist of the cosmonaut. The crews for the flight will be an experienced VVS pilot cosmonaut as commander, and (Kamanin realizes he may have to concede) a VVS engineer as flight engineer cosmonaut. They will have to complete training by 1 October 1966.


text:
05/13/2013 - 05/15/2013
Minneapolis, MN
The formal requirements for financial institution compliance under the Bank Secrecy Act (BSA) continue to be significant. With the regulatory agencies committing to tougher and more inclusive BSA/AML examinations, it is just as important as ever to make certain your BSA/AML program is appropriate for your institution's risk exposure. Attendees will cover all of the primary requirements of each segment of the regulation and receive guidance on best practice expectations in each area. When completed, each attendee will have the in-depth knowledge, resources and peer networks to effectively manage their BSA/AML function or audit this function properly.
Start Time: 8:30 am Day One
End Time: Noon Day Three
Instructors: David Bequeaith and Lindsay LaNore
Who should attend: BSA and AML officers, compliance officers, auditors, directors and training managers
ICBA Member: $1,195
Nonmember: $1,595
Nonbanker: $1,995
ICBA Member: $50
Nonmember: $100
20 CPE Credits
Program Level: Basic-Intermediate
Certification Designation: Certified BSA/AML Professional (CBAP)
Hotel Information:
To make your hotel reservations, contact Embassy Suites Hotel Bloomington at (952) 884-4811
Rate: $159.00
Reservation Deadline: 4/20/2013
For more information, call 800-422-7285.


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What should be in the minutes of a board meeting?
How do the shareholders (owners) know what has taken place at the board of administration meetings of their association when they cannot attend? What if they want to review what happened at a previous meeting?
They can read the minutes of the meeting. Minutes are the written record of an official proceeding (meeting).
The minutes:
- Confirm any decisions made
- Record any action taken
- Record who has been given a task or responsibility
- Provide information and detail to anyone who could not attend
Traditionally, the secretary of the board is charged with recording and keeping the minutes. Approved minutes are usually signed by the secretary and sometimes the president as well.
Minutes of condominium and homeowner associations are official records and must be maintained by the association for 7 years.
So how can it be that minutes of a given meeting can be one page or ten pages long?
How do we know what to include or exclude in the minutes?
General Henry Martyn Robert gave us the answer in Roberts Rules of Order.
Most of your governing documents tell you to follow those rules.
Last week we discussed some subjects covered in Roberts Rules.
What did he have to say about minutes?
He said specifically that the minutes should contain what was done at the meeting, not what was said. In other words, the minutes should reflect what business actions were taken at the meeting, not the comments of those who attended.
Here are a couple of interesting tidbits concerning minutes:
Minutes that have not been approved are considered a draft for approval or simply a draft. They are official records. When they are approved or corrected and approved, that becomes the official record of the meeting.
Speaking of corrections, they are noted in the minutes being corrected, not in the minutes of the meeting where the corrections were adopted. The minutes of that meeting should only state that minutes were corrected.
Want to learn more about meetings and Roberts Rules of Order? Come to our Meeting Mayhem class at our Law and Learning Center in Margate on March 7th.
For further information or to register, call Nichole at 954 315-0372.


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Robyn Loses Weight and Her Headaches...
Too many people get fat and stay fat, but others actually do something about it. Like David, he dropped the weight and then started running marathons. And Robyn, she used to be confused about diet and ate all the wrong things, but today she's looking good and living headache-free:
My headaches are gone, I don't feel hungry between meals, and rarely have food cravings — and when I do, it's for leafy greens! It is so much more pleasurable to eat when you are really hungry, which now occurs much less frequently.
Eight months later, I was 65 pounds lighter. I am content eating pleasurably and healthfully and just feel so much better. I now have the energy to exercise again and enjoy it. Not only do I feel better, but my hair, skin and nails are in the best shape ever…continue reading.
Image credit: DrFuhrman.com


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Please check the contents of your shopping cart carefully and update quantities or remove any items as necessary. Payment is handled via PayPal. If you are ordering large quantities we'd love to hear from you – please get in touch.
Don't forget to register for special offers!
Your basket is empty.


text:
An ongoing journey to nursing excellence
Eight years ago, Robinson Memorial Hospital embarked on a
journey that very few hospitals undertake. We committed ourselves to achieving
Magnet status, the gold standard of nursing excellence. We achieved
certification in 2006 and, after four years of continuous improvement, we were
redesignated in 2011.
The esteemed Magnet Recognition Program® is a voluntary
hospital credentialing program from the American Nurses Credentialing Center.
"Only 391 hospitals in the world currently hold Magnet status," said Linda
Breedlove, Vice President of Patient Care Service and Chief Nursing Officer.
"That's a small percentage of the nearly 5,000 hospitals in the U.S. alone.
Magnet designation is very special for a 117-staffed-bed hospital in Ravenna,
Ohio. Our Magnet status puts our nursing on a par with some of the country's
largest teaching hospitals." Robinson Memorial Hospital is one of just 21
Magnet-designated hospitals in Ohio.
Recertification never stops
"Magnet is a journey wherein the culture changes from one of
status quo to one of personal engagement and continued improvement in patient
care," explained Linda. "It changes the way nurses practice at the bedside.
Each nurse has a voice that resounds throughout the organization. As a patient,
I know that my nurse is as powerful in my care as the hospital CEO."
Christine Hawkins, Director of Nursing Practice and Magnet
Program Director, made sure that everyone was on board with the new culture of
continuous improvement. "I helped coach and mentor other departments so they
understood how important it was for the whole hospital," she said. "It takes a
lot of foresight and planning to shape the kind of hospital we want to be and
to encourage nurses to grow and become autonomous in their practice."
At Robinson Memorial Hospital, nurses now attend
leadership-level meetings to participate in decision-making, making the nursing
workforce more engaged and better able to adapt to change, especially in
today's rapidly evolving healthcare environment.
The hospital continues to make the financial commitment
needed for constant improvement. For instance, we cover the cost of review
classes and testing for nurse certifications. We offer tuition reimbursement
for nurses to further their education, and we pay for additional staffing
support to relieve others as they attend leadership meetings.
Patients benefit from higher quality care
Thanks in part to a rigorous application of evidence-based
practice, Magnet hospitals report better patient outcomes, lower mortality
rates, fewer patient falls and bed sores, fewer medication errors, improved
patient safety, and higher patient and family satisfaction.
Those improvements wouldn't be possible without a dedicated,
hospital-wide commitment to nursing excellence from the staff, nurses and nurse
leaders, physicians, our CEO and the board of trustees. "Our doctors view our
nurses as colleagues, as their eyes and ears at the bedside. We even
established interdisciplinary teams of nurses and other departments like engineering
and environmental services," said Christine. "Everyone is continually striving
to raise the bar."
Our nurses and staff are happier, too
Thanks to greater empowerment and collaboration in patient
care decisions, most Magnet nurses choose to work only at Magnet hospitals. "It
allows us to recruit the brightest and best," Linda said. Happy nurses mean
lower turnover, too. A high percentage of our nurses have worked at our
hospital for 15 years or more.
In fact, Robinson Memorial employs six clinical nurse
specialists in oncology and palliative care, women's and family health,
emergency services, medical surgical, critical care, and diabetes care – an
extremely high number for a hospital our size.
Thanks to their advanced degrees, these nurses play an important
role in coaching other nurses and families, collaborating on research projects,
and developing evidence-based practices to significantly improve patient care.
"More than 60 percent of our nurses hold a Bachelor of Science in Nursing
degree or higher," said Christine, "and more than 40 percent are certified in
their particular nursing specialty."
Polishing a community jewel
The Magnet journey of continual improvement goes on. For us
to be recertified in another four years, we must be able to document how we
have sustained and improved our already high level of nursing care.
"We would not exist without a community that trusts us to
provide their health care." said Linda. "We truly appreciate this loyalty and
support. I am so very proud of Robinson Memorial Hospital and the nurses for
the commitment and compassionate care they deliver to our patients each and
every day. It is truly my blessing to be the Chief Nursing Executive for this
organization. In these times of high stress and fast pace changes in
healthcare, it has been a wonderful breath of fresh air."


text:
Thomas George Farris
Position: QB
Height: 6-1 Weight: 185 lbs.
Born: September 16, 1920 in Casper, WY
Died: November 16, 2002 in Citrus Heights, CA
High School: Englewood
College: Wisconsin (school history)
Drafted by the Green Bay Packers in the 11th round (99th overall) of the 1942 NFL Draft.
Weighted Career AV (100-95-...): 0 (15060th overall since 1950)


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photo caption two: Terry Stewart, president and CEO of the Rock Hall (right), poses with Todd Rundgren in front of his exhibit.
Labor Day was an exciting day for Cleveland and the Rock Hall. Todd Rundgren came to town to kick off the first two dates of his A Wizard / A True Star album tour. While in town, he also wanted to come by the Museum for the unveiling of his new spotlight exhibit which features a number of artifacts to tell the story of his career, including his Back to the Bars stage outfit and Patti Smith's "Star Fever" poem, which was included in the first issues of A Wizard / A True Star. In addition to seeing his exhibit, Todd took time to see and meet his fans.
It was an exciting time in the Museum for fans to see an artist up close and an incredible amount of people stopped in for a photo and autograph. It's hard to really capture the excitement of the people who came to the Rock Hall from all around the world to meet Todd Rundgren.
Along with Todd were his two of his band mates from Utopia, Kasim Sulton and ...


text:
You are here: Home Bariatric Home Joint Institute Joint Institute Non-Surgical Treatments Joint Institute - Medications
While there is no known cure for arthritis, medications and treatments can help to reduce pain and maintain joint movement.
The medications most commonly prescribed by doctors include:
Prior to prescribing for you, your doctor's first question will be, "Are you allergic to any drugs?"
Before accepting his prescription(s), ask your doctor about results you can expect and how soon the drug should start to work. Ask him or her about any known potentially harmful side effects of the drug so you're alert to them.
Be sure to ask how your progress will be monitored. Will you require routine blood tests?
Your doctor may suggest that you relieve pain with local steroid injections for a specific painful joint. Most doctors will not allow more than three injections per year as they may weaken bones. If you participate in sports professionally, steroids are not for you.


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|from Commission (COM (2004) 178, 16 Mar. 2004)
|UK opted out; Ireland opted in; Denmark cannot opt in
|Peillon reports adopted, 16 Mar. 2005 (A6-0054/2005); plenary vote 12 April 2005
|Commission presented proposals at 30 March 2004 JHA Council; discussions began in working party meeting, 1-2 April 2004; 'general approach' on Directive reached at 19 Nov. 2004 JHA Council; adopted as 'A' point, 12 Oct. 2005 JHA Council: Directive 2005/71
Please help Statewatch to improve and extend the information and content on the SEMDOC website. Use the form below to report a broken/inactive link or submit material for inclusion in the 'further reading' section.
Please note that we will not include any material that promotes racism, fascism, sexism, homophobia or seeks primarily to promote political parties, ideologies or organisations. The decision on what material to include will be taken by Statewatch and is not open to challenge or debate.


text:
First Year Overview
"The Advising Center has been a tremendous help to planning my courses so I can achieve my goals!" -Angela, Class of 2013
Welcome to UIS! Your first semester of your first year as a college student is full of excitement, hope, and unknowns. The Advising Center is here to help you navigate your way through new classes, new experiences, and new responsibilities. After submitting your deposit, your first contact will be with the Orientation Office to schedule Summer Orientation and the Advising Center (OASIS) to start preparing your first semester schedule of courses for Registration. These events launch your first semester experience and are vitally important to getting started on the right foot.
You will receive several pieces of correspondence in the spring prior to your first semester. Many forms need to be completed and returned in order to schedule your orientation, schedule and complete your placement testing (if required, prior to orientation), complete your housing and financial aid applications, and make important decisions about your first classes. Take the time to read through these documents and note important deadlines.
We look forward to working with you!


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Imagine seeing related maps, pictures, artwork, architectural layouts, bible translations appearing on your iPad, Kindle Fire, or similar tablet, as your pastor gives the message or sermon.
This is the Second-screen experience.
A learning church could harness this technology in the form of an app and allow for people listening to a sermon or message to see pictures or artwork of the people being mentioned in the message appearing on their iPads. People listening could have maps of biblical locations or ancient kingdoms instantly displayed on their iPads as the pastor mentions them.
Think of Wikipedia or the Glo Bible, but in real-time, matched to the sermon you are listening to in the palm of your hand.
The ability to harness and enhance a message or sermon synchronously using second-screen app technology would have a powerful visual impact and increase learning and understanding.


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Following Erykah Badu on Twitter this morning, we get a glimpse of the challenging record production process. Last night she announced that she had 24 hours to clear a Paul McCartney sample or her song would not make the album. Ultimately the powers of @fatbellybella made this thing – clearing samples – a notoriously long, difficult, often impossible process- into an incredibly easy link-up. And it looks like the sample has been cleared already, so we'll be happy to hear that particular track on the next New Amerykah!
"Window Seat," another single from New Amerykah came out last week.
Buy it here on iTunes.