text:
Judge Nugent
12-12716 Powell (Doc. # 30) - Document Text
- Details
- Category: Judge Nugent
- Published: 15 May 2013
- Written by Judge Nugent
SIGNED this 1st day of May, 2013.
DAWN MARIE POWELL ) Case No. 12-12716
) Chapter 13
Debtor. )
Two preconditions to the confirmation of chapter 13 plans are that they be proposed in good
faith and that they pay secured creditors value that, as of the date of confirmation, will not be less
than the amount of the creditor's allowed secured claim.1 If the debtor offers the creditor a stream
of payments, the payments must include a discount rate sufficient to allow recovery of the present
value of the claim amount. Whether the plan has been offered in good faith turns on a variety of
1 11 U.S.C. § 1325(a)(3) and (5).
Case 12-12716 Doc# 30 Filed 05/01/13 Page 1 of 15
factors concerning the debtor's pre- and postpetition conduct, including the frequency of the debtor's
previous filings and the debtor's motivation and sincerity in offering what the plan proposes. Dawn
Powell filed this chapter 13 case 48 days after obtaining a purchase money car loan from Mid
America Credit Union and a little more than two years after successfully completing a previous
chapter 13 case. Her plan proposes that MACU's 10.99 percent contract interest rate be reduced to
the "trustee's rate" of 4.75 percent.2 MACU objects that the timing of her filing, combined with the
precipitous rate reduction, demonstrates her lack of good faith. It also complains that the interest rate
is insufficient under § 1325(a)(5)(B)(ii). Consideration of all of the circumstances surrounding
Powell's filing shows that she proposed this plan in good faith and the proposed interest rate she
offers is legally sufficient under § 1325 on the facts in this record. Her plan should be confirmed.3
Plan confirmation is a contested, core proceeding over which this Court may exercise subject
matter jurisdiction.4
Findings of Fact
Dawn Marie Powell is a single mother and a rookie schoolteacher. In 2005, and while she
was still married, she filed a joint chapter 13 case and completed the payments on her confirmed
2 Because MACU's claim is a "910-car loan," its treatment is subject to the hanging
paragraph, § 1325(a)(9)*, mandating that the amount of the debt, rather than the value of the
collateral, be paid.
3 A trial on confirmation of debtor's plan was held in February, 2013. The debtor
appeared by her attorney Rick E. Hodge, Jr. Mid America Credit Union appeared by its attorney
Eric Bruce. The chapter 13 trustee Laurie B. Williams appeared in support of confirmation.
4 28 U.S.C. § 157(b)(2)(L) and (b)(1) and § 1334.
Case 12-12716 Doc# 30 Filed 05/01/13 Page 2 of 15
plan even though she and her husband were divorced in 2006.5 Powell had (and lost) a series of jobs
during her prior case which, I note, spanned the financial collapse of 2008 and the resulting
recession in the Wichita-area's economy that persists to this day. After she filed her 2005 case and
was divorced in 2006, she lost her health insurance and incurred more debt. In addition to her own
surgery during the prior chapter 13 case, she incurred debt for medical needs of her son, who suffers
from a heart condition. Some of those creditors sued and at least one medical provider, Wichita
Clinic, took a state court judgment against her in 2009. Powell received a discharge in the prior
chapter 13 in August, 2010. She completed her education thereafter and became a student teacher
in a local school district. At the time this case was heard, she had received her first teaching contract
and continued to teach in that same school district.
Powell needed a car. On August 11, 2012, she purchased one at Davis-Moore Mazda, signing
a Retail Installment Contract and Security Agreement ("Contract") that the dealer then assigned to
MACU. She purchased a 2009 Mazda SUV for $17,578 and paid Davis-Moore an additional $2,499
for a service contract, financing the entire amount, plus dealer's fees and a GAP insurance premium.
She put $500 down. For the first time, she was able to secure this loan without her mother's cosignature.
The rate offered by MACU was 10.99 per cent for a 72-month period of repayment.6
When MACU was assigned the Contract, it also received Davis-Moore's purchase money security
interest in the vehicle.
When Powell bought the car, Davis-Moore assisted her in securing financing by taking her
5 Case No. 05-16950.
6 Powell's monthly car payments were $384 and according to her, were satisfactory for
her budget. Her first car payment was due September 25, 2012. Ex. 2.
Case 12-12716 Doc# 30 Filed 05/01/13 Page 3 of 15
finance application and "shopping" the Contract to several local lending institutions so that they
could "bid" for her business by offering finance terms. MACU's head loan officer testified and
referred to this process as a "reverse auction." MACU apparently offered the most favorable terms
and Powell agreed to them. He said that vehicle lenders do not peg their offered rates to the New
York prime rate. He did not testify (and wasn't asked) about how MACU sets its rates.
The MACU loan officer also testified that while Powell's application did not disclose the
Wichita Clinic judgment, her Transunion credit report did. He stated that he was "aware of her
situation." The credit report not only discloses the judgment, but also her 2005 bankruptcy filing as
well as a number of other debts she incurred after that filing.7 In any event, MACU "bid" on the
Contract and Powell accepted those terms.
Shortly after Powell bought the car and agreed to MACU's terms of repayment, Wichita
Clinic garnished her pay at the school district, taking about $700; she had been employed with the
school district about one month when the wage garnishment hit.8 Powell realized that with the
garnishments she would not be able to make her car payments. With her memory refreshed
concerning the Clinic judgment, she then consulted counsel on September 11, 2012 and filed this
case on September 27, 2012. Powell is a below median income debtor and her plan provides for
monthly plan payments of $450 over 60 months.9
Because Powell obtained this car loan well-within 910 days of filing this case, her plan
7 Ex. 4.
8 According to the statement of financial affairs filed by Powell, the garnishment
occurred in September and was in the amount of $551. Ex. B. Wichita Clinic had not previously
garnished Powell's wages between 2010 and 2012.
9 Ex. D.
Case 12-12716 Doc# 30 Filed 05/01/13 Page 4 of 15
provides for MACU to be paid the entire amount of its claim as it must.10 It provides for MACU to
be paid over the five year plan term, but only at 4.75 per cent interest. That rate is known as the
"trustee's rate" and represents a risk adjustment of 1.5 percentage points added to the prime rate of
3.25 percent. MACU says that because its car loan rates are not tied to the prime rate, but are the
product of a competitive market, it is entitled to receive a higher rate and, because Powell filed so
soon after taking the car loan, MACU believes it should receive its contract rate of 10.99 per cent.11
Apart from MACU's claim, Powell's plan provides for payment of her attorney's fees but unsecured
creditors will receive no distribution under the plan.12 The chapter 13 trustee supports confirmation
of Powell's plan. She indicated that the plan is feasible at the 4.75% rate, but not the 10.99%
contract rate sought by MACU.13 It satisfies the requirements for confirmation, it pays MACU's
claim in full, the debtor is current on her plan payments, and the trustee's rate complies with the
Supreme Court's pronouncement in Till. 14
Burden of Proof
As the plan proponent, the debtor bears the burden of establishing that her plan complies
10 Dkt. 2. See § 1325(a)(9)* (The so-called "hanging paragraph" enacted by the
Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, prohibits bifurcation of the
claim under § 506(a) and as a result, the entire debt is treated as an allowed secured claim under
§ 1325(a)(5)(B).).
11 Dkt. 14.
12 Ex. D. The unsecured claims total $60,363, of which approximately one-half is
comprised of nondischargeable student loan debt. See Ex. F and Bankruptcy Schedule F.
13 See Ex. F and G, comparing the trustee's plan projections at the 4.75% and 10.99%
rates, respectively.
14 Till v. SCS Credit Corp., 541 U.S. 465, 124 S. Ct. 1951, 158 L. Ed. 2d 787 (2004).
Case 12-12716 Doc# 30 Filed 05/01/13 Page 5 of 15
with the statutory requirements for confirmation.15
Filing chapter 13 shortly after obtaining a 910-car loan is not per se lack
of good faith that bars confirmation under § 1325(a)(3).
Courts in this Circuit look to a multitude of circumstances in examining whether a debtor
lacked good faith in proposing a plan. Section 1325(a)(3) states that the plan may be confirmed if
it was proposed in good faith and not by any illegal means. The Tenth Circuit long ago set out its
eleven-factor test for lack of good faith under this subsection in Flygare v. Boulden, a test that
remains good law today.16 The factors to be considered include –
(1) the amount of proposed payments and the amount of the debtor's surplus; (2) the
debtor's employment history, ability to earn and likelihood of future increases in
income; (3) the probable or expected duration of the plan; (4) the accuracy of the
plan's statements of the debts, expenses and percentage repayment of unsecured debt
and whether any inaccuracies are an attempt to mislead the court; (5) the extent of
preferential treatment between classes of creditors; (6) the extent to which secured
claims are modified; (7) the type of debt sought to be discharged and whether any
such debt is non-dischargeable in Chapter 7; (8) the existence of special
circumstances such as inordinate medical expenses; (9) the frequency with which the
debtor has sought relief under the Bankruptcy Reform Act; (10) the motivation and
sincerity of the debtor in seeking Chapter 13 relief; and (11) the burden which the
plan's administration would place upon the trustee.17
But "the weight given each factor will necessarily vary with the facts and circumstances of each
15 In re Alexander, 363 B.R. 917, 922 (10th Cir. BAP 2007) (citing In re Davis, 239 B.R.
573, 577 (10th Cir. BAP 1999)); Keith M. Lundin & William H. Brown, CHAPTER 13
BANKRUPTCY,4TH EDITION, § 217.1, SEC.REV. June 7, 2004, www.Ch13online.com.
16 Flygare v. Boulden, 709 F.2d 1344 (10th Cir. 1983).
17 Id. at 1347-48 (quoting In re Estus, 695 F.2d 311, 317 (8th Cir. 1982)) [Emphasis
18 Id. at 1348.
Case 12-12716 Doc# 30 Filed 05/01/13 Page 6 of 15
The Flygare factors that matter most in this case are Powell's multiple filings and her
motivation and sincerity. Nothing before me suggests that she filed a second case for any purpose
other than to stop the garnishment of her wages. While she appears to have run up considerable debt
since 2005, that could be explained to some extent by her divorce-caused loss of health insurance
(not an unfamiliar story in this court), her child's serious illness, her cost of obtaining a teaching
degree, and her sporadic employment over the life of her first plan. That she completed the plan and
obtained a discharge in the 2005 case is to her credit and should not count against her in this case.
Likewise, Powell appeared to be a sincere debtor who is trying hard to put her life in order. Since
filing in 2005, she has become a teacher who is employed full-time. She is a single mother. That she
filed this case to stop a wage garnishment on a dischargeable debt can hardly be held against her.
As for MACU's objection that Powell's proposing to effectively reduce her car loan interest
rate by 7.24 per cent evidences her bad faith, there is little authority to support that. As will be
further discussed below, the rate she proposed is the standard rate for chapter 13 cases in this District
and is rarely, if ever contested. That rate is based on the Supreme Court's plurality opinion in Till
v. SCS Credit in which four justices concurred that the prime rate, adjusted for risk, is the
appropriate way to determine what discount rate debtors should pay in order to satisfy the "value,
as of the effective date of the plan" requirement contained in § 1325(a)(5).19 One cannot fault the
debtor here for proposing to repay her loan at the Till rate.
In some 910-car loan cases, the appropriate interest rate to be paid on the allowed claim has
19 This reference to value incorporates the principle of the time value of money,
requiring payments that incorporate an interest rate to account for the fact that a dollar paid
today is worth more than a dollar paid tomorrow. See Drive Financial Services, L.P. v. Jordan,
521 F.3d 343 (5th Cir. 2008), citing Till, 124 S. Ct. at 1966.
Case 12-12716 Doc# 30 Filed 05/01/13 Page 7 of 15
crept into the good faith analysis. In In re Blackmon, the bankruptcy court concluded that in two
separate cases, debtors' plans were not proposed in good faith where they filed bankruptcy within
79 and 75 days of purchasing vehicles financed at 19.95% and 11.65% respectively, and proposed
to pay interest on the car claims at 5.25%.20 In both cases, evidence was presented and the court
found that debtors were contemplating bankruptcy at the time they purchased and financed their
cars.21 The bankruptcy court emphasized the factors of debtors' motivation and sincerity in seeking
chapter 13 relief and the circumstances under which they contracted the debts. It concluded that
debtors' plans, which proposed to pay less than the negotiated contract interest rates, were not
"fundamentally fair" to the creditors, and denied confirmation for lack of good faith.22
Other cases, including In re Marshall, conclude that it is not bad faith per se, to purchase and
finance a vehicle 40 days before bankruptcy, fail to make any prepetition payments, and propose to
reduce the interest rate from the contract rate of 24.95% to 10.25%.23 The car creditor argued that
debtors' motivation in filing bankruptcy was for "welching" on the financing agreement and
"cramming a low interest rate down the creditor's throat" and they did not otherwise need
bankruptcy relief.24 The bankruptcy court rejected the creditor's focus on "doing equity" and the
prebankruptcy dealings between it and the debtors:
20 459 B.R. 144 (Bankr. S.D. Fla. 2011).
21 In one of the cases, debtor met with and made a partial payment of fees to bankruptcy
counsel before he purchased the vehicle. In the other, the debtor owed nearly $270,000 in
unsecured debt and had a foreclosure judgment entered against him when he purchased his
vehicle. 459 B.R. at 146.
22 459 B.R. at 147.
23 2007 WL 1725196 (Bankr. C.D. Ill. 2007).
24 Id. at *1.
Case 12-12716 Doc# 30 Filed 05/01/13 Page 8 of 15
The present value requirement of Section 1325(a)(5)(B)(ii) is applied as dictated by
Till [full cite omitted]. It is intended to compensate secured creditors for the delay
in payments, in recognition of the fundamental economic principle that money paid
tomorrow is worth less than if paid today. The equities of the case have no role to
play in the interest rate calculation. Who mistreated whom is simply not relevant.25
The bankruptcy court also noted that the predominant purpose of the bankruptcy filing was not to
deal with the car debt. Rather, debtors filed chapter 13 to save their house (addressing a $144,000
mortgage with an arrearage and tax delinquency) and deal with unsecured debt that was twice the
amount owed on the car loan. The court denied the car creditor's objection to cramdown of the
interest rate and confirmed the plan.26
In the current case, there is no evidence that debtor was contemplating filing bankruptcy at
the time she purchased her car. Here, debtor's motivation in filing bankruptcy was to stop a
judgment creditor's wage garnishment, a judgment creditor that MACU was well aware of when it
extended the credit to debtor.27 That garnishment occurred after debtor purchased the vehicle and
debtor knew that she would not be able to make the car payments if she were subjected to
garnishments. In addition, there was no evidence that bankruptcy was filed for the sole purpose of
25 Id. at *2.
26 See also, In re Johnson, 438 B.R. 854 (Bankr. D. S.C. 2010) (under totality of
circumstances, filing of bankruptcy after purchase of 910-vehicle was not bad faith; bankruptcy
filing was motivated by need to address tax debt and debtor was not engaged in extravagant
lifestyle); In re Melton, 2010 WL 5128631 (Bankr. D. S.C. 2010) (The fact that debtor purchased
a used BMW with significant mileage shortly before filing bankruptcy is not dispositive of the
issue of bad faith; other circumstances were present, however, which debtor did not satisfactorily
explain to satisfy her burden of proving that the plan was proposed in good faith.); In re
Robinson, 2008 WL 2095349 (Bankr. D. Kan. 2008) (It is not bad faith per se for debtor to allow
dismissal of bankruptcy case and then refile after the 910-day period has passed, avoiding the
application of the hanging paragraph and enabling debtor to bifurcate the car claim).
27 Powell's Schedule F discloses that the Wichita Clinic judgment was approximately
Case 12-12716 Doc# 30 Filed 05/01/13 Page 9 of 15
avoiding the contract rate of interest. In any event, the hanging paragraph only prohibits bifurcation
of a 910-car loan claim under § 506. It does not prohibit cramdown or modification of the contract
terms of a 910-car loan.28
The applicable rate of interest in this case is the Till rate; Till makes
clear that contract, cost of money or other similar standards do not
apply to § 1325.
In 2004, the United States Supreme Court entered the interest rate discussion with Till v. SCS
Credit Corp. 29 In a split decision, the high court held that a secured creditor in a Chapter 13 case
was entitled to receive a discount rate equal to the national prime rate plus a risk adjustment – a
formula-based approach. Till was a chapter 13 case, making its reasoning applicable here. In Till,
three justices joined Justice Stevens' opinion that rejected the use of "coerced loan, presumptive
contract rate, and cost of funds approaches."30 Concluding that each of these approaches "is
complicated, imposes significant evidentiary costs, and aims to make each individual creditor whole
rather than to ensure the debtor's payments have the required present value,"31 Justice Stevens
28 Indeed, modification of the repayment terms is expressly permitted by the Code. See §
1322(b)(2); In re Velez, 431 B.R. 567 (Bankr. S.D.N.Y. 2010) (hanging paragraph does not
prohibit modification of interest rate on 910-car loan from 24.99% to 5.75%.); In re Johnson,
337 B.R. 269 (Bankr. M.D.N.C. 2006) (Even if bifurcation of 910-car claim is prohibited, a plan
may still modify the term of the loan and interest rate); In re Robinson, 338 B.R. 70 (Bankr.
W.D. Mo. 2006) (debtor not required to pay the contract interest rate on 910-car loan); In re
Brill, 350 B.R. 853 (Bankr. E.D. Wis. 2006) (Till is appropriate interest rate to satisfy present
value requirement of § 1325(a)(5)(B)(ii), not the contract rate); In re Bufford, 343 B.R. 827
(Bankr. N.D. Tex. 2006) (hanging paragraph does not alter the present value requirement of §
1325(a)(5)(B)(ii) or the ability to modify a 910-car creditor's contractual rights under §
1322(b)(2)); In re Vandernick, 2008 WL 901685 at *4 (Bankr. N.D. W. Va. 2008) (hanging
paragraph does not prohibit modification of interest rate).
29 541 U.S. 465, 124 S. Ct. 1951, 158 L.Ed. 2d 787 (2004).
30 541 U.S. at 477.
Case 12-12716 Doc# 30 Filed 05/01/13 Page 10 of 15
preferred beginning with the national prime rate that is widely reported and enhancing it with a risk
factor. His opinion noted that the prime rate reflects the financial market's estimate of what a
commercial bank should charge a creditworthy borrower to compensate for opportunity costs,
inflation risk, and a slight risk of default.32 Debtors posing a greater default risk should pay a higher
rate that is adjusted for "the circumstances of the estate, the nature of the security, and the duration
and feasibility of the reorganization plan."33 The four justices stated that unlike the other
approaches, "the formula approach entails a straightforward, familiar, and objective inquiry" that
"depends only on the state of financial markets, the circumstances of the bankruptcy estate, and the
characteristics of the loan, not on the creditor's circumstances or its prior interactions with the
debtor."34 A fifth justice, Justice Thomas, concurred in the judgment. In a separate opinion, he
questioned whether there was any statutory justification for any risk adjustment, but he concluded
that because the rate allowed by the four-justice plurality opinion was higher than the risk-free prime
rate, the creditor was receiving the requisite present value to satisfy § 1325(a)(5).35
After enactment of BAPCPA in 2005 and its new treatment of 910-car loans, the question
arose whether Till's "prime-plus" interest rate continues to apply to 910-car loans or whether the
contract rate of interest applied.36 Many bankruptcy courts have concluded that the Till formulation
32Id. at 479.
35Id. at 490-91.
36 Courts have applied Till in cases where the contract rate of interest on the 910-car loan
is less than the market prime rate, resulting in the Till rate of interest being more than the
contract rate. See e.g., In re Taranto, 365 B.R. 85 (6th Cir. BAP 2007) (Court held that Till rate of
interest would govern even though the contract proposed a 0% interest rate; case remanded for
Case 12-12716 Doc# 30 Filed 05/01/13 Page 11 of 15
remains applicable in chapter 13 cases filed post-BAPCPA.37
MACU's arguments regarding the proposed interest rate are based on two assertions: first,
that car loan rates are related to an auction-like market and not the prime rate; and second, that the
risk adjustment included in the current trustee's rate does not sufficiently protect the credit union
in this case. The first argument ignores Till's holding that a determination of the appropriate rate
under § 1325(a)(5) involves the straightforward inquiry based on the financial markets, the estate's
circumstances, and the loan's characteristics instead of the lender's "circumstances or its prior
interactions with the debtor."38 MACU's contract rate was determined by the reverse auction that
its witness described and is part of the "prior interactions" or lender's circumstances that Till tells
us to disregard in favor of the conditions of the financial marketplace.
determination of Till rate); In re Brill, 350 B.R. 853 (Bankr. E.D. Wis. 2006) (Till rate of interest
applies in cases where contract rate of interest is below prime; contract rate of interest was 0%);
In re Scruggs, 342 B.R. 571 (Bankr. E.D. Ark. 2006) (same).
37 See e.g. In re Murray, 352 B.R. 340 (Bankr. M.D. Ga. 2006) (BAPCPA hanging
paragraph's anti-bifurcation provision did not affect continued applicability of Till to satisfy the
present value requirement of § 1325(a)(5).); In re Robinson, 338 B.R. 70 (Bankr. W.D. Mo.
2006) (BAPCPA amendments did not mention interest rates or overrule Till; creditor's
entitlement to receive full "value" of their claim under § 1325(a)(5) does not require payment of
contract rate of interest); In re Lilly, 378 B.R. 232 (Bankr. C.D. Ill. 2007) (Till's prime plus risk
approach remains applicable following enactment of BAPCPA); In re Vagi, 315 B.R. 881
(Bankr. N.D. Ohio 2006) (Till's formula approach continues to apply to 910 claims; hanging
paragraph did not address rate of interest to which creditor is entitled and did not prevent
modification of contract interest); In re Soards, 344 B.R. 829 (Bankr. W. D. Ky. 2006) (Till
analysis remains valid post-enactment of BAPCPA); In re Brown, 346 B.R. 246 (Bankr. M.D.
Ga. 2006) (No provision of BAPCPA prohibits the modification of secured creditors' rights
under § 1322(b)(2); BAPCPA did not abrogate Till). The Fifth Circuit Court of Appeals has also
weighed in on the applicability of Till post-BAPCPA and concluded that its prime-plus approach
applies in chapter 13 cases filed after enactment of BAPCPA. See Drive Financial Services, L.P.
v. Jordan, 521 F.3d 343, 348 (5th Cir. 2008) (Hanging paragraph and BAPCPA did not supercede
38 Till, 541 U.S. at 479.
Case 12-12716 Doc# 30 Filed 05/01/13 Page 12 of 15
MACU's second argument, that the 1.5% risk adjustment does not sufficiently reflect the risk
that Powell's loan will not be repaid, is less easily dismissed. While the Till plurality considered that
a risk adjustment between one and three percentage points would likely be a sufficient range, it is
not clear from the opinion that a risk adjustment can never exceed three points. Indeed, some
bankruptcy courts have held as much.39 Instead, Till supplies us with guideposts for determining how
to monetize the risk to secured creditors that is inherent in chapter 13 plans. The first one is the
prime rate which is widely reported and easily ascertained and reflects what a creditworthy
commercial borrower might pay a commercial lender "to compensate for the opportunity costs of
the loan, the risk of inflation, and the relatively slight risk of default." The second guidepost is the
risk adjustment that recognizes the fact that a chapter 13 debtor likely poses a greater risk than a
creditworthy commercial borrower, allowing the bankruptcy court to adjust the rate upward in
consideration of the nature of the security, the circumstances of the estate, the duration of the plan
and its feasibility. Bankruptcy courts must therefore carefully tread the border between
compensating the creditor for its risk and pricing the debtor out of her plan.40
MACU provided no evidence of what the appropriate risk rate is and relies only on its
assertion that the contract rate adequately liquidates it while the Trustee's rate does not, leaving me
39 See In re Horny, 2011 WL 6643074 at *1 (E.D. Mich. 2011) (upholding an agreed-to
interest rate of 15.2 percent between debtor and creditor, a risk factor of nearly 12% over prime;
holding that Till does not proscribe a risk factor higher than 3 percent over prime, if such a rate is
necessary to account for the risk of nonpayment and is not too high for the plan to succeed); In
re Burt, 2008 WL 4365894 (Bankr. N.D. Miss. 2008) (adding a 4.25% risk factor to 5.25%
prime rate).
40 See Till, 541 U.S. at 480 (secured creditor is entitled to be compensated for the risk
factor unless it is so high as to "doom the plan.").
Case 12-12716 Doc# 30 Filed 05/01/13 Page 13 of 15
little with which to work.41 The debtor has recently completed a first chapter 13 case and obtained
a discharge. During that case, she accumulated substantial new debt and filed very shortly after
receiving this car loan because one of those creditors had taken a judgment about which she forgot.
She is a new employee and potentially at higher risk of dismissal due to her lack of seniority. All
of these facts, including her prior bankruptcy, potentially enhance MACU's risk and were known
to it when it made the loan.
But, increasing her risk rate add-on would likely jeopardize Powell's ability to complete her
plan. She is a below-median debtor whose projected disposable income is predicated on what she
discloses on schedules I and J. Those schedules indicate that her monthly surplus is $428. By law,
her applicable commitment period is three years, yet she proposes to pay for five years. Her
proposed payments are $450. Based upon the plan calculations offered in evidence by the Trustee,
it does not appear that she can afford to pay any more. Increasing the risk adjustment would likely
doom the plan to failure.
MACU's interest in the collateral appears to be well-protected. Consider that it agreed
prepetition to finance an already three-year-old vehicle until July of 2018 for only $500 down. But
under Powell's plan, the car will be paid for not later than September of 2017 when the plan ends,
ten months sooner. MACU may lose some yield, but that is part of its contractual right to the benefit
41 See Till, 541 U.S. at 479, 484-85 (the creditor, as the more knowledgeable party, bears
the evidentiary burden to support a higher risk factor); In re Bivens, 317 B.R. 755 (Bankr. N.D.
Ill. 2004) (creditor failed to satisfy its burden of showing that risk factor added to prime rate was
inadequate to compensate creditor for risk of debtor's default under her chapter 13 plan); In re
Johnson, 438 B.R. 854, 859 (Bankr. D. S.C. 2010) (risk factor adjustment referenced in Till is
the risk that the chapter 13 plan will not succeed and is not the same risk of nonpayment as
creditworthiness factors taken into account in the lending decision).
Case 12-12716 Doc# 30 Filed 05/01/13 Page 14 of 15
of its pre-bankruptcy bargain, one that is not entitled to adequate protection.42 And, if deterioration
of the collateral is a concern (which seems unlikely), MACU has already financed a $2,499 warranty
that, at least according to those who sell them, should protect Powell's "investment" in the vehicle.
Thus, considering the nature of the security, Ms. Powell's estate's circumstances, the length
of her plan, and its feasibility, the proposed stream of payments at the Trustee's rate is sufficient to
return to MACU the value of its allowed secured claim in this case. MACU's objections should be
OVERRULED and Dawn Powell's plan CONFIRMED. The Trustee will submit the appropriate
order on confirmation.
# # #
42 United Sav. Ass'n of Texas v. Timbers of Inwood Forest Assocs., Ltd. 484 U.S. 365
(1988) (undersecured creditor not entitled to interest on its collateral as compensation for delay
in foreclosing on collateral caused by automatic stay).
Case 12-12716 Doc# 30 Filed 05/01/13 Page 15 of 15
- << Prev
- Next


text:
Krikalyov arrived aboard Mir on Soyuz TM-12 as part of the EO-9 crew. However when economic and political priorities resulted in the engineer being bumped from Soyuz TM-13, he stayed aboard for an extended stay as part of the EO-10 crew.
Narrative (adapted from D S F Portree's Mir Hardware Heritage, NASA RP-1357, 1995)
On May 20, 1991, the EO-8 crew welcomed aboard Mir the EO-9 crew of Anatoli Artsebarski and Sergei Krikalyov (on his second visit to the station), accompanied by British cosmonaut-researcher Helen Sharman. Sharman was aboard as part of Project Juno, a cooperative venture partly sponsored by British private enterprise.
Sharman's experimental program, which was designed by the Soviets, leaned heavily toward life sciences. A bag of 250,000 pansy seeds was placed in the Kvant 2 EVA airlock, a compartment not as protected from cosmic radiation as other Mir compartments. Sharman also contacted nine British schools by radio and conducted high-temperature superconductor experiments with the Elektropograph-7K device. Sharman commented that she had difficulty finding equipment on Mir as there was a great deal more equipment than in the trainer in the cosmonaut city of Zvezdny Gorodok.
Krikalev commented that, while Mir had more modules than it had had the first time he lived on board, it did not seem less crowded, as it contained more equipment. Krikalev also noted that some of the materials making up the station's exterior had faded and lost color, but that this had had no impact on the station's operation.
During a communication session with a British girls' school on May 21, Sharman commented that Mir was experiencing solar array problems because of the station's changing orientation. Late that day the level of background noise on the station suddenly fell from the customary 75 decibels as fans, circulating pumps, and other equipment shut down. The lights began to fade. A computer in the orientation system had failed, preventing the solar arrays from tracking on the Sun, and causing Mir to drain its batteries. Sharman stated that Afanaseyev and Manarov told her such power problems had occurred before. When it reentered sunlight, the station was turned to recharge its batteries.
The EO-8 crew returned uneventfully to earth on May 26 with Sharman. The EO-9 crew first needed to move their spacecraft to Mir's aft port to make way for Progress M-8, which could not dock with the rear port because of the damage to the Kurs approach system antenna there. The move was made on May 28, 1991, and required 42 min. The cosmonauts released the small MAK-1 satellite from the Mir base block's experiment airlock on June 17. It was designed to study Earth's ionosphere. However, a probable power failure prevented its antennas from deploying, and the satellite remained inert.
On June 24 the EO-9 crew exited the hatch on Kvant 2 and clambered over Mir's hull to the aft end of Kvant, where they removed the damaged Kurs approach system unit and replaced it. They also assembled a prototype thermomechanical joint to be used in the assembly of space structures. The EVA lasted 4 hr, 53 min.
On June 28 the cosmonauts attached to Mir's hull the TREK instrument, a device for studying cosmic ray superheavy nuclei. The experiment was devised by the University of California and delivered by Progress M-8. The EO-9 crew used the Strela telescoping boom to move about the station. EVA duration was 3 hr, 24 min.
On July 15 the EO-9 crew used the Strela boom to transfer equipment from the Kvant 2 EVA hatch to the work site on Kvant. They attached two ladders to Kvant to give them handholds, then assembled a platform for Sofora on Kvant. Sofora was to be a 14.5-m girder extending from Kvant. The EVA lasted 5 hr, 56 min.
Sofora construction commences. On July 19 Krikalyov and Artsebarski installed an automated assembly unit similar to the one Kizim and Solovyov had experimented with on Salyut 7 in 1986. Sofora was also an experimental construction, but the Soviets had plans to attach an attitude control thruster unit to it if it functioned as expected. The thruster unit would augment Mir's attitude control systems. They assembled 3 of 20 segments planned for Sofora before returning to Mir. The EVA lasted 5 hr, 28 min.
On July 23 the EO-9 crew added 11 segments to the Sofora girder. The EVA lasted 5 hr, 34 min. On July 27 the cosmonauts added the last six segments to the Sofora girder. They also attached a Soviet flag in a metal frame to the top of the girder. This was not planned in advance; the cosmonauts decided independently to attach the flag. Artsebarski's visor fogged up from exertion, but Krikalyov was able to help him back to the Kvant 2 hatch. EVA duration was 6 hr, 49 min.128
The coup against Mikhail Gorbachev had little immediate impact on Mir operations. Progress M-9 was launched as the coup attempt fell apart, on August 21. Boris Belitsky, a Radio Moscow space and science reporter, stated that the TsUP relayed broadcasts of Soviet Central TV (pro-coup) and Russian Radio (anti-coup) to the EO-9 crew. He stated that there were never any plans to abandon the station during the coup, but revealed that such provisions existed in the event of the outbreak of a major war on Earth.
Soyuz TM-13 arrived at Mir on 4 October, 1991. It carried Austrian cosmonaut-researcher Franz Viehboeck and Kazakh cosmonaut-researcher Toktar Aubakirov. The flight was unusual for carrying no flight engineer. Veteran Russian cosmonaut Alexandr Volkov commanded. The Austrians paid $7 million to fly Viehboeck to Mir, and the Kazakh cosmonaut flew partly in an effort to encourage newly-independent Kazakhstan to continue to permit launchings from Baikonur Cosmodrome. The cosmonaut-researchers photographed their respective countries from orbit and conducted the usual range of materials processing and medical experiments. Artsebarski traded places with Volkov and returned to Earth in Soyuz TM-12. Krikalyov remained aboard Mir on his unplanned long-duration mission together with Volkov to make up the EO-10 crew.
By this time, Volkov observed, the Mir base block had suffered orbital debris and meteoroid damage on the flat sealing surface of one of its docking rings and on most of its windows. Progress M-10 broke off its first docking attempt on October 19 at a distance of 150 m. It successfully docked on October 21.
The Cosmos 1897 Altair/SR satellite drifted to 90° E in the geostationary belt by March. By late April the Soviets had manoeuvred it back to 95° E, but by the end of 1991 it had drifted to 77° E and was widely considered inoperative. The other Altair/SR satellite, Cosmos 2054, continued to serve as a communications relay between Russia and Mir. In October the cosmonauts extended a Diagramma boom from Mir's small airlock to test the atmosphere around the station. Mir problems. The cosmonauts ended 1991 by replacing storage batteries and conducting ongoing repairs on the complex. At the end of the year total solar array power production was down to 10 kW. In addition, 4 of 6 gyrodynes on Kvant 2 and 1 of 6 gyrodynes on Kvant (5 of Mir's total of 12) had failed.
Progress M-10 topped off Mir's propellant tanks on January 13. Undocking planned for January 18 was postponed by a problem with the wiring of Mir's gyrodynes, which affected the station's attitude. When it undocked on January 20, it carried a Raduga return capsule, which was safely recovered.
On January 27, 1992 Progress M-11 arrived. The spacecraft carried a repair kit for the station's gyrodynes. During its approach to the station, flight controllers in the TsUP were on strike for higher rates of pay, but they did not interfere with the docking. Progress-M 11 boosted the complex into a 413 km by 380 km orbit before undocking. In January 1991 the fleet of ocean-going tracking ships in place since the early 1960s was phased out of Mir operations to save funds. Some of the ships continued to operate to support unmanned missions, and could step in as a backup when needed to support Mir. By mid-February, Mir was spending up to 9 hrs each day out of touch with the TsUP because of tracking system cutbacks.
On February 20 Volkov and Krikalyov opened the Kvant 2 EVA hatch for what would be Krikalyov's seventh EVA in less than a year. The heat exchanger on Volkov's Orlan-DMA spacesuit failed, forcing a hasty revision of the EVA plans. Volkov remained near the hatch, so could not operate the Strela boom to move Krikalyov to the prime work site on Kvant. Volkov assisted in installation of space exposure experiments near the hatch, then Krikalyov clambered down Kvant 2 and over the hull to Kvant. He disassembled equipment used in building the Sofora girder in July 1991, then cleaned the cameras on Kvant. Finally, he collected samples of solar cells added to the third (top) array on the base block in 1988. The EVA lasted 4 hr, 12 min.
Soyuz-TM 14 arrived on March 19. Aboard was the EO-11 crew, Alexandr Viktorenko and Alexandr Kaleri, and Klaus Dietrich Flade, who became the second German to visit a space station. The first was Sigmund Jaehn of East Germany, who visited Salyut 6 in 1978. During his six days aboard Mir, Flade conducted 14 German experiments as part of Germany's preparation for participation in the Freedom and Columbus space station projects.
Sergei Krikalyov was to have returned to Earth in October 1991, but moves to cut costs had forced modifications to his mission. A Soyuz-TM flight was cancelled, and his replacement, Alexandr Kaleri, was bumped from the Soyuz-TM 13 flight to make way for Toktar Aubakirov on the Soyuz-TM 13 flight. Krikalyov had to remain on board Mir. Western news agencies had reported that Krikalyov was stranded on Mir, though this was of course incorrect. Krikalyov, together with Flade and Volkov, undocked from Mir aboard Soyuz TM-13 on 25 March. They landed uneventfully, although NPO Energia had to pay Kazakh authorities $15,000 in rents for airports and helicopters during the recovery operation.
AKA: Ozon (Ozone ); Soyuz TM-12 (Krikalyov).
First Launch: 1991.05.18.
Last Launch: 1992.03.25.
Duration: 311.83 days.
During the last days Mir almost permanently remained in sunlight and for the orientation of the sensors they used sun-vectors.
DIVERTING CAPABILITIES OF THE Mir-COMPLEX IN CASE OF 'COLLISION DANGER' :
In comparison with the American (and Soviet-) Space Shuttles the Mir-station is a 'lame duck '. Even if Norad (or its Soviet opposite side) would warn Mir and TsuP for an object on collision course a quick diverting manoeuvre cannot be executed (within a few minutes). With the engines of the freighter Progress-M and the ferry Soyuz-TM the altitude of the complex can be altered, but this process lasts too long for comfort. The present crew consist of phlegmatic and crisis proof cosmonauts and they seem not to bother about this all. During radio amateur conversations they state that all is going well.
This news comes from a radiologist in Omsk, N. Spinov. S., also a member of the State Committee for Ecology, reported that on 20 November 1991 near the village Krutaya Gorkia (55 KM from the Siberian town Omsk) the 1st stage of the Energiya rocket exploded due to a failure in the cooling system. In a huge orange cloud the heath of the explosion dispersed and S. demands a detailed investigation for during the last years the number op persons suffering of cancer alarmingly increased.
(The 1st stage of the Energiya consists of 4 'strap on' boosters, each of which is a modified version of the 1st stage of the Zenith (SL-16) rocket. Fuel is kerosene, oxidiser LOX).
Chris van den Berg, NL-9165/A-UK3202
During the last weeks preparations were going on to make the return capsule ready for a safe return to Earth. This capsule on board freighter Progress-M10 on 18 January 1992 had to separate from the then undocked Progress-MIG for a safe descent. On 16 January 1992 the cosmonauts reported failure of the Attitude Control System. On 17 January 1992 experts on TsUP were still considering what to do, but they already postponed the undocking of the Progress-M10. About the planned launch of Progress-M11 on 21 January 1992 they were not sure. Krikalyav suggested TsUP to carry out both operations and he uttered some alternatives for the attitude control. Until and inclusive 18 January 1992 Progress-M10 has not been used for an orbit correction either.
(PROGRESS-M11: The crew confirmed that Progress-M1l will not be equipped by a return-capsule. So the original plan to use such a capsule with Progress-M11 has been cancelled.
Chris van den Berg, NL-9165/A-UK3202
During the next 3 passes (at 0037. 0213 en 0347 UTC) there was a lot of radio traffic. After his return on board Kkrikalyov was cold for a long time. He also had some skin-irritation of his hands caused by his gloves and moisture. Volkov recommended him to use a green cream. For this crew this has been the last EVA during this expedition.
On February 19th, together with their German guests, these crews started their final training for the flight with Soyuz-TM14 on 17 March 1992. This final training takes place in Starcity.
Chris van den Berg, NL-9165/A-UK3202.
R.K.A. stands for Rossiyskoe Kosmicheskoye Agentsvo, so Russian Space Agency. For a long time the Russian parliament discussed about the need to establish such an organisation. Its tasks and possibilities, but also the relation to parliament and government, are almost equal to that of the American NASA. Projects for space-operations have to be submitted to that R.K.A. The R.K.A. investigates the project and evaluates the need, necessity, costs and eventual contribution from state-funds. Projects aimed to achieve political- or chauvinistic prestige will not have any chance. After analysing a project this will be send to the parliament for consent about eventual funding. The president can put his veto on it. After consent the project will be send back to R.K.A. R.K.A. asks for offers of firms, scientific institutes, enterprises, national as well as international ones, on the basis of free enterprise and free market and selects those who will get the order(-s). After that R.K.A. has to keep control on the execution of the orders. It will take some time before such an organisation is operational and in fact it is already a little bit late.
RIDICULOUS AND EXAGGERATED INFORMATION ABOUT BAD HEALTH AND MOOD OF Mir CREW:
For a long time, more or less caused by 'glasnost' and the bad economic situation in the CIS-states, the (ex-) Soviet press critically and even with denigration reported about their national space exploration. For a few weeks that same press gradually seem to be inclined to change this policy a little bit due to a moderate positive attitude towards 'space' of Yeltsin. A lot of Russian journalists still entertain grievances about the fact, that not a Russian, but a Japanese journalist flew in a Russian space-station. Average reports about space-station Mir are still below zero and a lot these reports find their way to the West. Regretfully the spokesmen and public relations officers of space-organisations in the CIS are still very passive and miss the skill and willingness of their western colleagues to fight for their cause. Negative reports, for instance articles in Komsomolskaye Pravda, Izvestiya and others, are extra exaggerated while proceeding along western press-channels. The cosmonauts hear a lot from western news-agencies and from radio-amateurs around the world and sometimes do not believe their ears. On Febr. 17th Moscow-TV relayed a direct TV-session with Mir and the viewers could see how healthy and active the cosmonauts were. I myself know by day to day observations that the crew has a very good health and a high morale. Of course they meet problems, technical failures, even serious ones, but they always keep good hearth and in co-operation with experts on TsUP they resolve problems by repairing or replacing equipment or systems. Radio-amateurs, who have the possibility to communicate with the crew or to exchange information via Packet Radio, certainly will share my opinion. I will advise you all: take all press-reports about Mir, not with a pinch, but with some pounds of salt.
C.M. van den Berg, NL-9165/A-UK3202.

subset: commoncrawl


text:
Jul 27, 2012 8:35 AM
Show the guys you know your way around a grill by using a FYRKAT ($70-80) as you tailgate this season. Of course, we know you've already shown them up flipping burgers and veggie pockets on your last camping trip, but a little reminder that you're a master never hurts!
If you've got a product or service that you'd like to promote on Outblush, click here to find out about our advertising opportunities.
Outblush is a blog for girls who love to shop. Our staff digs up the best clothes, home stuff, beauty items, and more. New items are posted every day — bookmark us and check out:


text:
John P. Martin, PhD.
JPMartin Energy Strategy LLC provides strategic planning, resource evaluation, project management and government/public relations services to the energy industry, academic institutions and governments. John P. Martin, the Principal Consultant, is available for speaking engagements on a wide range of topics including energy policy, oil and gas exploration, renewable energy development and environmental issues.


text:
Oops… no streams currently available for Radio Kita 87.6 FM.
Click here to visit the Station's website:
Radio is a medium of entertainment which we know long before other media such as television, video, gaming, internet or otherwise. Two decades ago, many ... See more
Pontianak - Indonesia - Indonesian
Songs playing in Radio Kita 87.6 FM
In other languages
See this page in French: Ecouter Radio Kita 87.6 FM en ligne
See this page in German: Hören Radio Kita 87.6 FM online
See this page in Portuguese: Reproduzir Radio Kita 87.6 FM ao vivo
See this page in Spanish: Escuchar Radio Kita 87.6 FM en vivo


text:
The following guest post was contributed by Scott Johnson.
Scott Johnson, CEO of US Debt Resolve & USDRINC. Scott has testified at both the state and federal level, participating as a panelist for the FTC debt settlement workshop in 2008 and TSR 2009.
If you would like to contribute a guest post, click here.
The 5 Year Business Plan
Business planning is essential to any company and debt relief service provider's have additional challenges as statutory and regulatory changes mandate additional focus as the rules can be interpretative and ever changing.
The internal development of polices and procedure directed by management to deliver compliant services at the highest level of quality and maintain profitability require adaption and prudent planning. With information at hand how did debt relief companies respond in the past five years?
Stepping back in time to the stakeholder meeting for the final draft of the UDMSA held November 2007 the writing was on the wall the future of debt settlement was going to be heavily regulated and the commissioners spoke – 30% of savings.
That was a time when debt settlement was not a household name and lead price was under $20.00 for an exclusive qualified candidate.
The discussion contained debate on bonding, insurance and certification requirements as well as other general areas and concerns from all. This was another opportunity for changes even though the UDMSA had already been years in the making.
My view of the proposal was broken down into two categories what was unreasonable and what was burdensome. Here is the short check list as what the passage in states would mean to an organization.
Bonding – created a challenge that it could limit the number of states that companies would be able to operate in and have an immediate impact on reducing the number of entrants into the space.
Insurance – this would be of little impact as companies would already have these types of instruments in place. The only concern was carrier rating and deductable.
Background Check – standard practice through the companies HR Department, items like FMLA, ADA, ERISA and EEOC are far more challenging.
Financial Audit – an additional expense as audits that were being done were by a CPA. Sharing this information from a private company appeared to be intrusive.
Company Certification – this was going to take some time – ISO 9000 (6 – 12 months) and a sizable investment of capitol and labor.
Employees Certification – What would be accepted – looking back on the challenges of The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 and sorting the approved education programs.
License Fees – these would me minimal and no major impact or prohibition and in line with other state requirements.
The above list was easy to put in the burdensome column as there is little to nothing new for requirements already in place for a debt relief organization.
Fee Structure – 30% of Savings!!! – UNREASONABLE
The market place demanded to take advance fees. Competition in the debt settlement vertical was intense, lead price was soaring, default rates of a consumer were rising and creditors were mild in collection activity. The performance based companies were not experiencing the same growth rates and new entrants think they can see a pot of gold at the end of the rainbow.
The NCCULS conference room appeared absent of representation of a debt settlement companies in support of performance based fees. Instead, it was occupied with supporters of an advance fee model, individuals with concerns of fee caps and challenges of the free market, after all the US is a capitalist country. Result – 30% of savings!
Fee Structure – 30% of Savings!!! – BURDEMSOME
The fees being charged to consumers at the time ranged from 10% – 15% of the debt enrolled. How much impact would the new 30% of savings really mean? A debt settlement company could now charge an 18% fee and even higher as long as they performed the contracted services. Imagine a consumer's debt being settled for 20 cents on the dollar and the company receiving fees of 24%. This is easier said than done even at 40 cents on the dollar. What this means is that companies have had five years to improve their processes become more efficient and deliver results to their clients.
Fee Structure – 15 – 30% of Savings!!! – THE FUTURE
Why did the free market that so many continue to support fail to reduce price and increase quality service? Will new regulations have an impact? That debate can continue forever but the reality is a new line has been drawn and it is going the way of 15 – 20% of savings. It is now time to start working a new 5 year business plan.


text:
Chilled Tapas
Chopped Tomatoes and Shrimp, w/Onion, Parsley and Extra Virgin Olive Oil
Chopped Tomatoes, Onion, Parsley & Extra Virgin Olive Oil
House made Fresh Guacamole served w/ Nacho Chips
Sliced Sushi Grade Tuna w/ Baby Arugula & Tomatoes w/ Drizzle of Truffle Oil
Smoked Salmon w/ Capers, Red Onions, Tomatoes and Pumpernickel Bread
Served w/ House made Cocktail Sauce
Fresh Mozzarella, Tomatoes, and Basil
Organic Quinoa w/ Mango, Tomatoes, Cucumbers & Mango Vinaigrette
Warm Tapas
A mixture of Fried Calamari, Shrimp, and Artichoke Hearts
Served with Spicy Marinara
Sauteed Baby Squid w/ Spinach and Spicy Marinara Sauce
Pan Seared Shrimp in A Zesty Garlic Sauce
Rolled in Fillo Dough and Pan Roasted, served w/ Lemon Honey Mustard Sauce
PEI Mussels Pan Seared in Beer, Lemon, Garlic, Parsley and Chorizo Sausage
PEI Mussels Pan Seared in a Spicy Marinara Sauce
Lobster & Shrimp w/ Pepper Jack Cheese. Served w/ Guacamole & Sour Cream
Lump Crab Meat, Seasoned, Breaded, and Pan Fried. Served with Spicy Aioli Sauce
Vegetarian Delight!
Stuffed Eggplant w/ Ricotta and Spinach, Pan Fried and Topped w/ Mozzarella and Tomato Sauce
Braised Artichoke Hearts w/ Mint, Garlic and Extra Virgin Olive Oil
Served on Herbed Goat Cheese Crostini
Pan Seared Spanish Chorizo Sausage w/ Cognac & Paprika
Marinated Chicken, Pico de Gallo, Roasted Corn and Avocado Salsita
Soft Shell Tortillas w/ Sauteed Tilapia, Mango, Roasted Corn & Pico de Gallo
Baby Greens, Tomatoes, Cucumbers and Radishes w/ Balsamic Vinaigrette
Served with House-made Garlic Croutons
Romaine, Tomatoes, Cucumbers, Carrots, Feta Cheese & Kalamata Olives w/ Extra Virgin Olive Oil and Red Wine Vinegar
Baby Arugula, Pear and Toasted Pumpkin Seeds w/ Balsamic Vinaigrette
Baby Arugula, Gorgonzola, Caramelized Walnuts, Granny Smith Apples and Raspberry Vinaigrette
Mixed Baby Greens, Tomatoes, Hearts of Palm and Avocado w/ Balsamic Vinaigrette
Main Dishes
Grilled Organic Breast of Chicken Paillard w/ Fresh Herbs & Extra Virgin Olive Oil
Pan Seared Organic Chicken Breast in a Sweet Portuguese Wine w/ Portobello Mushrooms
Slowly Pan-Roasted in our Wood Burning Oven
Served w/ Penne al Pomodoro
Grilled Grass Fed Angus Beef (Hormone Free) Skirt Steak
Served with Roasted Red Potatoes
Hormone-Free Angus Shell Steak topped with crushed Black Pepper in a Cognac and cream sauce
Choice of Cheeses: Vermont Cheddar, Swiss, Mozzarella, or Pepper Jack. Served w/ Choice of French Fries or Roasted Red Potatoes
Choice of Cheeses: Vermont Cheddar, Swiss, Mozzarella, or Pepper Jack. Served with Choice of French Fries or Roasted Red Potatoes
Mediterranean Sea Bass
Herbed Crusted Atlantic Salmon Pan-Seared w/ Sherry Wine Reduction
Wrapped in Parchment Paper w/ Artichoke Hearts, Roma Tomatoes & Kalamata Olives
Authentic Spanish Rice w/ Mussels, Clams, Calamari & Shrimp. (Please allow 30 minutes)
Gourmet Wood-Burning Oven Pizza
Fresh Mozzarella, Tomato Sauce & Basil
Fresh Mozzarella, Tomato Sauce & Spicy Sopressata
Fresh Mozzarella, Tomato Sauce & Pepperoni
Fresh Mozzarella, Tomato Sauce & Sweet Italian Sausage
Fresh Mozzarella, Tomato Sauce, Oyster, Shiitake & Cremini Mushrooms
Fresh Mozzarella, Ricotta & Grated Pecorino Romano
Fresh Mozzarella, Tomato Sauce, Prosciutto di Parma, Shaved Grana Padano & Arugula
Fresh Mozzarella, Tomato Sauce, Virginia Ham & Mixed Mushrooms
Fresh Mozzarella, Tomato Sauce, Eggplant, Zucchini, Peppers & Onions
Fresh Mozzarella, Tomato Sauce, Eggplant, Zucchini, Peppers & Onions
Fresh Mozzarella, Tomato Sauce, Artichoke Hearts & Gorgonzola
Tomato Sauce, Feta Cheese, Roasted Red Peppers & Chorizo Sausage
Mozzarella, Tomato Sauce, Ham, Artichoke Hearts, Mushrooms, Olives & Truffle Oil
Mozzarella, Tomato Sauce, Ham, Pepperoni, Sweet & Spicy Sopressata, and Sausage


text:
STANFORD, Calif. – Stanford shook up the national-title picture with a 26-20 victory over Oregon that showcased the Cardinal's dominance at the line of scrimmage
In one of the nation's most-anticipated showdowns, Stanford took a 26-0 lead before withstanding a late rally before an over-capacity crowd of 51,424 at Stanford Stadium on Thursday night, earning a victory that was celebrated from Palo Alto to Tallahassee.
Behind the running of Tyler Gaffney, who gained 157 yards on a school-record 45 carries, Stanford (8-1 overall, 6-1 Pac-12) used a grind-it-out approach to keep the lethal Oregon offense off the field. Oregon (8-1, 5-1) came in averaging 55.6 points per game, but was scoreless until embarking on a furious fourth-quarter comeback.
Oregon scored three touchdowns in eight minutes, helped along by a recovered onside kick and a blocked field goal that was returned for a touchdown.
After a 12-yard fourth-down touchdown pass from Marcus Mariota to Pharaoh Brown with 2:12 left, Oregon's hopes rested on its third onside kick of the quarter. This time, the ball was snagged out of the air by Jeff Trojan for his second onside kick recovery, and Stanford ran out the clock, launching a rush to the field by jubilant fans.
The result was felt from coast to coast, with schools like Florida State (No. 2 in the BCS rankings to Oregon's No. 3), Ohio State (No. 4), and Baylor (No. 6) no doubt rejoicing over the opportunity to leapfrog the Ducks into contention for the BCS title game.
Of course, Stanford (No. 5 in the BCS) has renewed hopes as well and takes control of the Pac-12 North race with conference games remaining at USC on Nov. 16 and against visiting Cal on Nov. 23. Stanford now holds the tiebreaker over the Ducks.
"For us, it doesn't do anything," said David Shaw, Stanford's Bradford M. Freeman Director of Football. "The good teams only worry about their next game."
Stanford's plan was to slow down the game by sustaining long drives and keeping Oregon and its Heisman candidate quarterback Mariota off the field. The Cardinal did exactly that, dominating the time of possession, 42:34-17:26, and using scoring drives of 94 and 96 yards to build its lead.
The Cardinal running game totaled 274 yards on 66 carries and the defense, even without star defensive lineman Ben Gardner, who is out for the season with an arm injury, limited Oregon to 62 yards rushing and no offensive plays over 26 yards. Speedster De'Anthony Thomas was held to only 75 combined running and receiving yards, and San Jose native Byron Marshall was held to 46 on the ground.
A team that averaged 632 in total offense was held to 312, less than half its average.
Clearly, Stanford dominated the line of scrimmage and flexed its muscles to the rest of the nation, watching around the country on ESPN. Shayne Skov had 10 tackles for Stanford, including two for loss, forced and recovered a fumble and batted down a pass.
Gaffney broke Tommy Vardell's school single-game record for carries by six, because he was so consistent and effective. His yards were hard-earned, but his ability to give Stanford manageable situations on second and third down allowed the Cardinal to stay on the ground and use the clock.
"Tyler Gaffney ran the ball tonight the way running backs are supposed to run the ball in this game of football," Shaw said.
Besides Gaffney, quarterback Kevin Hogan was a key to the Cardinal ground attack, running eight times for 57 yards and a touchdown. It was his most active game of the season with his feet, and it crossed up the Ducks line.
Early in the second quarter, Hogan faked a handoff to Ricky Seale going wide and instead kept it on a quarterback draw, eventually leaping into the end zone for an 11-yard score. Later in the quarter, with Stanford pinned deep in its own territory on third-and-long, Hogan kept the ball on a bootleg, slipped, and then broke out the grasp of three defenders before completing a 12-yard first-down run.
Hogan also passed for 103 yards, with a deep ball to Michael Rector for 47 yards, setting up Stanford's first touchdown, on Gaffney's two-yard run. And, above all, Hogan kept the chains moving.
At one point, bridging halftime, Stanford had the ball for 18:30 to Oregon's 3:30. Jordan Williamson, returning from missing two games because of injury, kicked four field goals, the last with 11:40 left in the game to give Stanford its biggest lead.
Stanford took advantage of two turnovers in the red zone that were pivotal. When Oregon finally appeared to kick-start its offense, early in the second quarter, Stanford's Skov forced a fumble from receiver Bralon Addison at the Stanford 3-yard line, and recovered it.
That began the marathon, 20-play, 96-yard drive that used up the rest of the half and ended in Jordan Williamson's 19-yard field goal with no time left in the half for a 17-0 lead.
And because Stanford received the second-half kickoff – and got a 57-yard return by Ty Montgomery – and picked up another Williamson field goal, Mariota was kept off the field for 11 consecutive minutes of the game clock.
The second turnover came early in the second half after Oregon drove as far as the Stanford 19. On first-and-15 from the 24, Mariota was hit by Jarek Lancaster as he was stripped by A.J. Tarpley. Lancaster recovered to launch another Stanford scoring drive, one that took 14 plays and 7:33 off the clock and led to a Williamson field goal for a 23-0 lead.
Stanford got a boost from the return of defensive end Henry Anderson, who had missed the past seven games with a leg injury. Anderson had five tackles and was in on a sack.
Last year, Stanford won a 17-14 overtime battle in Eugene that was crucial to Stanford's Rose Bowl hopes. This year, with few giving it much chance, the Cardinal pulled it off again.
Not too long ago, USC was the conference's dominant team, and then Oregon wrestled away that title. However, with last season's Rose Bowl victory and another triumph over the Ducks, the balance of power has shifted.Stanford, as it proved again Thursday, was the better team.


text:
There is only one thing a text editor needs
It just needs to be vi
When I heard, in a tutorial video, the multi-platform programmer's editor Sublime described as "the cool kids' code editor" (or possibly "the Cool Kid's code editor" - the speaker didn't enunciate his capitals and apostrophes very clearly) I was puzzled. As the goto (or, rather, the call-by-reference) consultant on Agile Harlem …
It just needs to be vi
VI, the only editor that you can count on to be installed anywhere you are doing onsite support.
OK - I'll mention emacs.
Can we leave it there please? Do we REALLY have to go down this hoary old discussion yet again?
4. The editor should contain no implementation of Lisp
It's in the article!
Lisp is not a really a problem provided you have sufficient parentheses installed.
Doesn't VI stand for Venom Incarnate? I think I read that here, but these people may be biased
I once offered a fiver to anyone that could write a COBOL program in vi without setting off the terminal bell.
No one ever claimed it.
Maybe 10 years ago, now it's nano.
Vi is the worst text editor.
Except for all the others.
.... that you can count on to be installed anywhere.....
You're the sort of person who actually used to use EDLIN rather than carrying around a floppy disk with
somethinganything else on it, aren't you?
If they didn't think to turn it off in their login script then they didn't deserve said quids.
,... Emacs 24.3 has just been released. It satisfies quite a few, but not all, of Verity's criteria.
i use a text editor as a tool, to make life easier. i could just concat all my code onto the end of a file, i guess, but using a text editor makes it easier to spot mistakes and type in lots of text.
having to type in the commands to control the app as well as type in the text i'm typing doesn't make life easier at all.
Emacs would be a great O/S if only it had a decent text editor...
You don't know how true your statement about vi running everywhere. I was won over by vi when I absentmindedly tried launching it to edit something when logged on via an ASR-33 teletype..... and IT STILL WORKED !!
Ok, so it had switched to ex mode and was printing out one line at a time, but all the commands and shortcuts worked as normal and it was completely usable. Quite brilliant I thought (especially as I'd never used ex prior to that, or probably since either).
I use emacs, but to be fair to the others, it must rank as some of the most bloated software ever written. I mean, how many text editors really need at least one adventure game; a tower of Hanoi simulator; Tetris; pong; an implementation of Eliza; a random gibberish generator -and- a mode to plug the random gibberish generator into Eliza?
Sorry, DECWriter not ASR33, but same principle applies.
"VI, the only editor that you can count on to be installed anywhere you are doing onsite support."
EXACTLY. Doesn't matter if you love or hate it. It's fast, light, works on even quite a badly fubar-ed system and can be found all over the place. Time spent learning it is more than worthwhile.
one of them turns to other and asks "What's your IQ?". The other responds "161. Whats yours?". The first man responds "159. What do you think of quantum entanglement and the parametric scattering method of producing photon pairs?". The two then proceed to have a discussion and became friends for life.
A little further down the bar 2 other blokes had seen this and one turns to other and says "My IQ is 120 what is yours". He gets the reply "118. What did you think of the Man U v Chelsea match?". They have a long discussion about all things sport and strike up a lifelong friendship.
Even further down the bar were 2 other blokes who had seen all of this. One turns to other and says "My IQ is 70" and the other responds "Mine is 71. Do you prefer vi or emacs?".
Taking this as an insult. Since, even if you use it, you don't really seem to know it. AMOF, I don't really play games in Emacs. First, think how much space does it take? How fast does it load? Run this( in Emacs with M-! or M-1 M-!)
dpkg-query -Wf '${Installed-size}\t${Package}\n' |\
column -t | grep -P 'emacs.*' | \
awk '
printf "-------------------------\nTotal for emacs: %.3f Mb\n",sum/2^10
Total for emacs: 145.402 Mb
BTW, why does ELReg text parser mutilate the text so bad and both pre,code tags are so ugly???
Most of it is Elisp, it is modular and 145Mb really worth it! Here is why for me, personally:
**incremental (regex) search, where you get search results for a pattern while you're typing it in ; configurable regex system
**grep-mode, you do grep command and get a *grep* buffer with the list of matching lines hyper-linked to the place/file
**this idea, that everything is file... I mean a buffer is implemented, special buffers
**run-shell command on a region with or without an argument (M-1) M-|
**very smart keyboard shortcuts, which you can configure and customize to your own liking
** collection of text killing macros, can your editor know what zap-to-char is anyone? Capitalize, change-toupper/lower and so on. Very efficient text editing. I am so used to it I use in Firefox.
**running every command with M-x with an autocompletion
**calc-mode, a Reverse-Polish with inf. precision calculator that can integrate, differentiate, convert units etc. Both stand-alone and embedded. And hey, you can still run pari-gp, (i)maxima, octave in in its own buffer and yes run-shell on a region with dc?
**kill-ring browser
**dired-mode, where you can do operation on files and dirs (with tram-mode via ssh remotely)
**unmatched extendibility
**predefined highlighting and indentation, regex highlighting etc
**aspell and calendar-mode
** hey, it got a vi emulation mode, viper-mode. I do like vim (vi is too plain), does vim have an emacs mode? ;-)
** its own terminal-mode, which is Okay
**org-mode, info-mode, tex-mode, w3m-mode ( a decent web browser) and you-name-ti-mode
Wow, this is just 5% of what it can do and I just don't have an idea about it.
It satisfies quite a few, but not all, of Verity's criteria.
Well, not sure about the validity of those criteria. IMHO, GNU Emacs satisfies a number of much more serious and important criteria (for me), that no other editor seems to even be aware of.
It would be great if those who say so, would really try getting it.
Sorry. Just looked it over again and found that all this string matching piece:
"column -t | grep -P 'emacs.*'" is redundant and could be done in awk '/emacs.*/...'
=====> :)
I did that for 15 years. Mine's a pint.
> having to type in the commands to control the app as well as type in the text i'm typing doesn't make life easier at all.
Well not many people have a telepathy interface, so you've got to find a way to feed the commands into the editor as well as the text. With vi the commands are fed in with the keyboard, originally because that was all that was available. They wanted to be able to use it on all makes of terminal so didn't rely on their being buttons available for all the functions they wanted. But this proved to be its great strength because if you can touch type, even of the random finger selection kind then its bloody quick to use because you don't even have to move your hands. Personally I hate the stupid PC keyboard layout because some damn fool idiot put the [Esc] key out of reach, whereas an IFT keyboard had it just outside the left shift key within easy striking mode. GUIs and mice might be ever so beginner friendly, but all that moving hands around kills the productivity. You end up having to remember all the shortcut key sequences which reduces the so called friendly editor to being just a pale imitation of vi.
But if you can't find vi, ed's not bad either.
Don't leave us hanging like that! Which editor did IQ 70 prefer?
...A journal. I remember (I blame the COBOL thread for making me reminisce) the 'full-screen' editor on a DEC VAX 11/780 that simply journalised every editing action. Was fun to crash out of a long editing session, restart the editor and sit back and watch it re-apply every key-stroke up to the point of the crash. Did rectangular-block copy&paste too.
vi = virtually impossible.
Which is a lie. There is only one editor...
vi, vi, vi, vi, vi, vi, vi, vi, vi, vi, vi, vi, vi, vi, vi, vi, vi, vi, vi, vi, ...
Simples. It's been around for at least 30 years. Even VIM isn't really an improvement. You can't improve on the core of vi, it's just too cool.
Of course those who down vote it are obviously ignorami, and have never used it in anger. If you use it in anger it saves your bacon -- EVERY TIME.
The big question -- was this post written by the man with the70 IQ or the 71 IQ?
Evidently we DID have to go down this hoary old discussion yet again.
But at least I now know a good joke I'd not heard before.
He replied "Actually, I've never had need of more than Edlin."
"You're the sort of person who actually used to use EDLIN rather than carrying around a floppy disk with somethinganything else on it, aren't you?"
Nope. I never "did" MS-DOS.....
I would add as an ending:
Both were arrested a short time later for drunken brawling...
eulampios.....are you the author of emacs?
That's why I don't use emacs, I expect my text editor to be smaller than the OS on which it's running :)
SEDT, wasn't it? Long gone, but fondly remembered.
Greg, even if I weren't, using the definite article is incorrect, since Emacs authors are aplenty, a much bigger number of any other editor or/and IDE.
My knowledge of Elisp didn't get me any further than a few custom lines in .emacs and some .el files. So, no.
I remember (I blame the COBOL thread for making me reminisce) the 'full-screen' editor on a DEC VAX 11/780 that simply journalised every editing action.
EDT/TPU. I also have fond memories of it, from the days when I had to write VAX assembly code over a 1200bps dialup connection that would frequently drop for no good reason. Curse, dial back in, log back in, run the recovery and watch all my uncommitted changes be replayed. Lovely.
Re the COBOL mention: My preferred editor is vi - actually vim - and I write COBOL code in it more days than not. (Most of the code I work on these days is in either C or COBOL, though there's a smattering of each of at least a dozen other languages.) I have hacked vim to add a bit more support for when I must use COBOL's old-style fixed format rather than nice modern free format, and added some keywords to vim's cobol.vim syntax file, but aside from that it does just fine.
My favourite editor by far on Windows is Crimson Editor (Also known as Emerald editor). Sadly, it's no longer developed... But still available. I use it extensively at work. It is a little bit slow at starting up, but not too horrendous.. It's still faster than any of my IDEs by far. Out of any editor I've ever used it has the best macros, block editing, and regex functionality. Block Editing is a godsend... I guess that's what you call multiple cursors here. Crimson is the first editor I ever saw that implemented it and it's still the best. A sizeable amount of my daily work consists of 'TARDEP' tasks... A lot of converting lists of data into SQL inserts and such... and the Block editing is the only way to go.
Crimson used to be my go to editor(*), but didn't handle non-latin character sets well.
So if you only have to edit files written in english I would recommended it, if you are using all of unicode I wouldn't.
(*)not 'goto editor'
Used to use Crimson too... these days I use Notepad++ as its still being developed and wasn't that dissimilar to CE.
I'm still using Crimson Editor. In my opinion the only thing it's missing is the ability to replace multiple lines at a go, however to be fair I rarely need to do that sort of replacement.
Shame, could have been a useful article; but went for pompous and unfunny instead.
Welcome to Stob...
You're new here aren't you?
Ha, Ha, swing and a miss.
Remember, the keystrokes for switching on humour detection is "Ctrl+F and then Ctrl+alt+U".
(And this is just MY opinion and I'm NOT saying anyone else should be swayed by it.)
UltraEdit-32. Version 12b to be exact. On Windows.
Yes, it's old, Yes it's a bit clunky in places. But it loads massive files in a flash, has user configurable syntax and colour highlighting, and the must-have feature for me... the ability to add a button or menu entry to launch other programs with the currently edited file (or automatic temporary copy if not recently saved) as a parameter.
I'm also very lazy, and after 12 or so years using UltraEdit, I'm not inclined to use/learn anything else.
UltraEdit is still fantastic; I've converted may Neo-wannabes to it, simply by demonstrating "Column Mode" editing (stitch that Notepad++)
UltraEdit is God's Text Editor. No question about it.
The genius of UltraEdit is how it is shockingly easy and pleasantly obvious to do highly complex tasks.
Notepad++ can do "column editing". In fact most serious editors I know of can do this. I can't believe the author was amazed at how much easier his "TARDEP" editing was.


text:
City 6
Navas 13 seconds, 90+1 mins, Sandro 34mins (own goal), Aguero 41mins, 50mins, Negredo 55mins
Spurs 0
- Match highlights
- Matchday centre
- Match reports
- 24 November 2013 15:32
- Posted by @dclayton_mcfc
City destroyed Tottenham with a performance that simply blew the North Londoners away and once again demonstrated what an exhilarating side the Blues can be when they have their shooting boots on.
Three goals in each half completed a 6-0 rout that somewhat flattered Spurs who could have been heading back home having conceded double figures, such was City's superiority on the day.
A trip to The Etihad Stadium will soon carry a government health warning for away teams if the Blues continue to average four home goals per game this campaign!
...City 6 Spurs 0...
The hosts went into this game once again needing three home points to get the season back on track. The pre-international break defeat at Sunderland had left a bad taste that only a thumping victory over a title rival would cure - but few people could have seen this result coming.
As blistering starts go, this game was right up there with the best. City were ahead within 13 seconds, should have doubled the lead six minutes later and were denied a penalty in the 13th minute in a breathless opening assault.
The pre-match focus had been largely centred on the midfield battle between Yaya Toure and Tottenham's Sandro plus who would shine the brightest between two Spain World Cup hopefuls in Alvaro Negredo and Roberto Soldado.
But it was the recalled Jesus Navas who had the Etihad Stadium rocking with many of the capacity crowd still not even in their seats yet.
Sergio Aguero reacted fastest to a poor Hugo Loris pass and fired in a shot that was parried away by the Spurs keeper and Navas, running in at speed from the right, instinctively struck a sweet curling shot over Loris and in off the post to spark wild celebrations – with just 13 seconds on the clock!
Manuel Pellegrini couldn't have dreamed of a better start to blow the cobwebs away, but it was about to get better – much better. Save for a brief spell of Tottenham possession, the Blues were superior in every department with the defence looking solid, Yaya and Fernandinho bossing the middle and Aguero, Negredo and Navas at times virtually unplayable.
Aguero should have made it 2-0 when he was superbly played in by Negredo only to opt for a deft chip over Loris instead of using power and the keeper guessed right and saved comfortably.
Then Samir Nasri was about to pull the trigger before Sandro's sliding challenge from behind saw him flattened in the box, but Howard Webb decided the Spurs man had taken the ball first – to coin a cliché however, you've seen them given!
The visitors, with just one goal conceded on their Premier League travels before this game, continued to look shaky and open at the back and City were picking holes in the division's meanest defence almost at will.
A second goal had to arrive sooner or later and the only surprise was it didn't come until the 35th minute when Nasri's cross saw Aguero's shot saved by Loris but Negredo's acrobatic volley had enough power to see Walker's clearance hit Sandro's shins and roll over the line.
Within five minutes, the game was seemingly over as a contest as Navas used his electric pace to overlap down the right before sending in an inch-perfect cross that was deftly guided home by Aguero for the third home goal of the afternoon.
If the visitors thought City would take their foot off the gas after the break, they had their answer within five minutes of the re-start as the Blues went 4-0 up with a sumptuous team goal that had the home support once again joyously dancing around the Etihad.
Fernandinho – winning his own personal duel with Brazil World Cup midfield rival Paulinho throughout – picked up the ball in his own half, played it to Yaya who then played a one-two with Negredo before powering on into the Spurs box and squaring the ball to Aguero who struck the ball home from ten yards for - already - his 15th goal of the campaign.
And it was soon five with arguably the pick of the bunch as Negredo shrugged off a challenge on the edge of the box before sending a howitzer of a shot past Loris from 20 yards to make it 5-0 with less than an hour played – Tottenham were being outclassed in every department.
The last word went to the man who had begun it all as Jesus Navas raced on to a superb long ball from James Milner in stoppage time to drill home number six and have the unique record of having scored in the first and last minute of a memorable game.
Superb, top draw stuff from City.
Man of the Match: Sergio Aguero
Find out if City can further improve the league's best goalscoring record when Swansea City visit the Etihad Stadium next Sunday 1 December at 4.10pm.
Tickets are still available and can be purchased online at mcfc.co.uk/tickets or by telephone on 0161 444 1894.
For more details, read full ticket information for the game here.


text:
- Text Size:
- ASmall Text
- AMedium Text
- ALarge Text
A child was injured in a shooting with a pellet gun Thursday afternoon.
Authorities with the Palm Beach County Fire Department said the shooting happened in the 137000 block of 59th Court in The Acreage.
Investigators with the Palm Beach County Sheriff's Office said the shooting appeared to be accidental.
Stay with WPBF-TV and WPBF.com for further details.
The views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.blog comments powered by Disqus


text:
Alopecia Areata ("baldness in spots") is a form of hair loss from areas of the body, usually from the scalp. Because it causes bald spots on the head especially in the first stages, it is also called "spot baldness". Hair loss can extend to eyebrows, eyelashes, facial and nasal hair and create more bald spots elsewhere in the body. Alopecia areata monolocularis describes baldness in only one spot, alopecia areata multilocularis refers to multiple areas of hair loss. If the patient loses all the ...
A natural steroid hormone produced in the adrenal gland. It can also be made in the laboratory. Cortisone reduces swelling and can suppress immune responses.
Alopecia Areata as related to Cortisone
- Alopecia areata, alopecia totalis, alopecia ... - DermNet NZ
Alopecia areata, alopecia totalis, alopecia universalis. Autoimmune hair loss. Authoritative facts about the skin from DermNet New Zealand.
- Questions and Answers About Alopecia Areata
This is a public information piece. This booklet contains general information about alopecia areata (al-oh-PEE-shah ar-ee-AH-tah). It describes what alopecia is, its ...
- Alopecia Areata : Causes, Symptoms, Treatment , Case ...
Alopecia Areata treatment with homeopathy. Dr Rajesh Shah's experience with 700 cases of Alopecia Areata treatment offers great results.
- Alopecia Areata: Learn About Symptoms and Treatment
Read about alopecia areata causes, symptoms (balding), diagnosis and hair loss treatment (shampoo). Alopecia areata may be hereditary and isn't contagious.
- Hair loss, Cortisone Injection May be Beneficial for ...
Hair loss, treating hair loss, Cortisone Injection May be Beneficial for Alopecia Areata
- Alopecia Areata Treatment
pro-alopeciata: A formulation that has scientifically combined Tropical plant extract with an essential hair oil that effectively treats Alopecia Areata.
- Alopecia Areata - WebMD
National. Founded 1981. Support network for people with alopecia areata, totalis, and universalis. Goals are to set up support groups around the country ...
- Alopecia Areata - Baldspot.com
Alopecia Areata, and Other Autoimmune Conditions Safely and Effectively Repair Damaged Hair Follicles and Regrow Your Hair. Alopecia Areata is a rare auto …
- Alopecia areata | AAD
Alopecia (al-oh-PEE-shah) means hair loss. When a person has a medical condition called alopecia areata (ar-ee-AH-tah), the hair falls out in round patches.
- Patchy hair loss (Alopecia areata) | Go Ask Alice!
Dear The Clean Shaven One, What you describe sounds like alopecia areata, an autoimmune disorder that causes loss of hair. Several different types of ...


text:
The Impact of Abortion on Men - National Press Club - June 10, 2013
New York's repeat abortion problem: is more birth control the answer?
LifeSiteNews.com, June 17, 2011
Post-Abortion Trauma: "Jesus, What Have I Done?"
National Review Online, May 4, 2011
Sarah Palin - The Post-Abortion Trig-ger?
interview about men and abortion (55:00)
Catholic Radio in Oregon, January 2010
Helping Men Through Aftermath of Abortion
Wyoming Catholic Register, September 5, 2007


text:
Sep 24, 2013 8:30 AM
We love spin class, and lately a few gyms specializing in nothing but cycling classes have popped up nearby. Which would be great, except that we won't be able to make many since we'd need second (or third) jobs to cover the fees. The Peloton Cycle ($1190) is a pricey piece of home gym equipment, but when we work the numbers, it's a better investment. We can work out anytime we want, and this beaut is top of the line: quiet, compact, and sporting a screen for us to watch exercise videos or catch up on Bravo's latest Real Housewives marathon.
If you've got a product or service that you'd like to promote on Outblush, click here to find out about our advertising opportunities.
Outblush is a blog for girls who love to shop. Our staff digs up the best clothes, home stuff, beauty items, and more. New items are posted every day — bookmark us and check out:


text:
Plymouth is Perfect for a St Valentine's break
Are you thinking of a romantic break to celebrate St. Valentine's Day and to pamper your partner? If so, then Plymouth is perfect. There's huge choice of restaurants especially on The Barbican which is a short stroll from Edgcumbe Guest House. There are countryside and coastal walks or the vibrant city centre for some shopping. We are happy to provide details of what's on and where to go and help in any way we can.


text:
Download Punk Britannia part three 2/4 video
Download Punk Britannia part three 2/4 video on savevid.com
Download Punk Britannia part three 2/4 streaming video in flv, mp4, avi formats direct easily on Savevid.com.
Punk Britannia part three 2/4
- Provider: YouTube Link:
- Rate: Please rate this video Views: 1 Downloads: 2
- Description: Three-part series about the history of punk. Punk had shown what it was against- now what was it for? In the wake of the Pistols' demise a new generation of musicians would re-imagine the world. Freed up by punk's DIY ethos, a kaleidoscope of musical influences broke three chord conformity. Public Image Limited allowed Johnny Rotten to become John Lydon the artist, Magazine would be first to record in the wake of the Pistols' split, Mark E Smith made street poetry while Ian Curtis turned punk's rage into an existential drama. In a time beset by dread and tension perhaps the biggest paranoia was Mutually Assured Destruction essayed perfectly by Young Marble Giants' Final Day. Released in the height of Thatcherism, Ghost Town by The Specials marked a parting of the post-punk waves. Some would remain avowedly uncommercial whilst others would explore pop as a new avenue in the new decade. The song that perhaps summed up post-punk's journey was Orange Juice's Rip It Up and Start Again.
- Tags:
- Category: Flag video


text:
Wanna peek inside our fresh RV Remodel? I'd love to hear your
comments below. I want to extend a special thanks to Eco
Friendly Flooring for sponsoring our trip with the sweet CORK
We will let you know how our floor wears. The install was
decent and the look and feel are fantastic.


text:
Kirby wins the CN Canadian Women's Tour Quebec event; Meadow and Tillström advance to match play at Ladies' British Open Amateur
Crimson Tide posts 13-stroke victory to claim fourth title in Puerto Rico
Alabama has won the team title in Puerto Rico the last three times they have played
Daniela Lendl and Courtney McKim tie for 12th
Alabama players Johanna Tillström, Daniela Lendl and Courtney McKim to compete
OUTLOOK:Johanna Tillström is another talented international product from Sweden ... the next in a long line of Swedish players that have excelled for the Crimson Tide ... a member of the Swedish National Team ... competed immediately for playing time as a true freshman in 2011-12 ... made eight starts and averaged 76.6 strokes per round ... competed for the Swedish National Team that won the 2012 Europen Championship ... finished 12th in the stroke-play portion of the Ladies British Amateur ... an alternate for the Swedish World Amateur team in 2012 ... very straight off the tee with improved length.
2011-12 (FRESHMAN):Tillström competed in eight events during her freshman season ... made her collegiate debut at the Tar Heel Invitational ... posted 76.61 scoring average with one round at par or better while counting in 14 of 23 rounds during the 2011-12 (.609) season ... her top finish was a tie for 24th at the SEC/Pac-12 Challenge, where she shot 4-over 220 after rounds of 74, 73 and 73 ... was 8-over 224 to tie for 50th at the Tar Heel Invitational ... was 54th at the Allstate Sugar Bowl Intercollegiate at 232 ... tied for 33rd at the Darius Rucker Intercollegiate at 11-over 153 ... carded a 230 to tie for 52nd at the Gator Women's Invitational ... tied for 49th at the Liz Murphey Collegiate Classic, but her first-round 73 was the Tide's key score on the opening day and helped propel Alabama to a team win ... finished tied for 39th at the SEC Championship at 242 ... counted toward the team score in 2-of-3 rounds ... shot 76 in the final round to finish 92nd overall.
HIGH SCHOOL AND PERSONAL DATA:Tillström, a native of Taby, Sweden, and the third Swedish player recruited by head coach Mic Potter during his time at the Capstone ... received the 2010 Annika Sorenstam Golf Scholarship ... participated in the 2011 Ladies British Amateur ... member of the European Team at the 2009 PING Junior Solheim Cup ... captured medalist honors at the 2008 European Girls Team Championship and finished runner-up at the 2009 European Girls Team Championship ... posted a fourth place individual finish at the 2010 European Girls Team Championship with a 1-under-par total of 141 ... placed third at the 2009 Spanish International Ladies Amateur Championship ... led her Danderyds Gymnasium prep team to the 2008 and 2009 Swedish High School team championship ... also played for the 2008 and 2009 Swedish Junior Club Team Championship ... daughter of Mikael and Cecilia Tillström ... has one sister, Lovisa .... majoring in pre-business at Alabama.


text:
Undergraduate students and high school students (14-18 years old) interested in conducting research on expanding a collection of highly similar (potentially plagiarized or duplicate) publications or developing programming tools for the ethics of scientific publications are welcome to apply for our summer program in Dr. Skip Garners laboratory at the Virginia Bioinformatics Institute (VBI) at Virginia Tech.
Rising sophomore, junior or senior undergraduate students
who are familiar and competent with at least 3 of the following: Perl, C, Python, and web programming are invited to apply. Selected applicants will be expected to arrive at VBI ready to make progress programming and testing systems that will do text similarity for a variety of purposes and make the codes and results available on the web, similar to etblast (etblast.org).
High school students (14-18 years old)
who are familiar with and enjoy interacting with computers and the literature, or have some computer programming experience, or are interested in pursuing a college career in this field of study, are encouraged to apply to the program. You must be able to provide your own transportation to and from VBI, each morning, during this 7-week summer program. Participants will be able to enjoy the unique experience of working in a world-renowned research institute during the summer of 2010.
2010 Undergraduate Program promotional flier
2010 High School Program promotional flier
Undergraduate Program Dates: June 1- August 7
Undergraduate admission is closed.
High School Program Dates: June 21- August 7
High School admission is closed.
The Ethics of Scientific Publications 2010 summer program is funded by NIH award number RO1LM009758


text: H & G Horse Quarters offers training for green ponies and horse, fine-tuning show mounts, and exercise riding for our clients. We offer different horse training packages, based on the needs of each client and their horse. Training from groundwork to under saddle jumping and training. Whatever your needs may be, we can create a training package specifically designed for your horse.


text:
I must admit that being danish myself an somewhat patriotic, it is a tiny bit difficult for me to remain a 100% objective writing about Tromborg. Since the first time I saw their line of products in Illums Bolighus in Copenhagen (maybe Denmark's best store for living accessories), I was sold on the spot. I really think that the design alone, manages to reflect the pureness and minimalism of Scandinavia. It just looks so clean and mild, which are the associations you would want to have for your daily skin care products.
I have later found out that my observations haven't been that wrong. In fact, Tromborg's main philosophy is to keep it as simple as possible for the customer. They don't want to confuse you with 20 different night creams – they want to give you a few optional products (depending on your skin type) that will do the job perfectly, leaving your skin fresh and glowing. A natural and healthy look.
Of course, Tromborg also matches today's thinking of keeping their products free of artificial coloring, use of synthetic perfume and parabens. But what I actually value even more, is the fact that it is, without exceptions, all being produced in Europe (mostly Germany). I really, really value that and see it as an extra quality.
If you go to the website of Tromborg, you will see that choosing from all the great different kind of products can be somewhat challenging. To help you out, you will find my favorite skin care products listed beneath.
By the way: Tromborg ships to all countries – big applause!
Exfoliating Scrub Mask – I like when my facial scrub is a bit "rough". I really like to feel it "scrubbing".
Calendula Water – Nourishes and soothes, and is an amazing alternative to skin tonic. I use this one several times every day. Whenever I have female friends or family visiting me, they seem to always steal a bit of it too 🙂
Cleansing Foam – Danish Beauty Award Winner – the scent of the product is nothing but amazing. Leaves the skin feeling very clean and fresh.
Herbal Cleansing Oil – Contains cold-pressed, organic argan oil in a highly nourishing and healing concentration.
Shirin Navab, our beauty expert here at Shan Rahimkhan says: I really liked the cleansing oil and the award winning cleansing foam. The scent of the foam is amazing. Another favorite of mine is the calendula water, it is so fresh on the skin. However, I would prefer if Tromborg in general had a more natural approach to their ingredients.
Contact information:
Tel +45 3313 0580 / +45 2925 8380
Fax +45 3313 0380
Website: www.tromborg.com
Text: Micha Østergaard, Pictures: Tromborg & Micha Østergaard


text:
TCC and Tulsa Transit Partner for Free Ride Program
Tulsa Community College students and employees will be able to ride Tulsa Transit for free during the 2013 fall semester. The pilot program will operate Monday, August 19 through Friday, December 13. TCC Rides Free powered by Tulsa Transit offers unlimited rides to TCC students and employees anywhere Tulsa Transit offers bus service.
TCC studentsenrolled for the fall semester, TCC full-time employees and TCC part-time faculty will be able to ride Tulsa Transit for free by showing an official TCC ID with the TCC Fall 2013 sticker. Students can pick up the TCC Fall 2013 sticker at Student Activities, Enrollment Services or Bursar offices on any TCC campus. TCC employees can pick up a sticker at TCC Human Resources Office or Student Activities Office on any campus.
"TCC Rides Free is a green commute for college, work and life. This pilot program is designed to benefit our students and increase access to higher education by removing the obstacle of transportation for those who want to attend college," said TCC Vice President for Administration and Chief Technology Officer Sean Weins. "Plus, TCC Rides Free powered by Tulsa Transit aligns with TCC's Green Initiatives and is part of our continued effort to help improve the environment."
The pilot program follows a popular concept that has been adopted in other cities across the country. The TCC and Tulsa Transit partnership marks the first ever unlimited free ride program in the Tulsa area. This pilot program is being funded through a partnership with Tulsa Transit and TCC is paying a flat contract fee.
"Demand for public transit in Tulsa is near record levels. The partnership with TCC represents huge opportunities for both organizations to improve mobility for TCC students, faculty, and staff and to increase ridership on Tulsa Transit buses," said Tulsa Transit Assistant General Manager Debbie Ruggles. "The partnership is a win-win situation that will reap big rewards for the community because it is helpful in reducing emissions and easing traffic congestion."
More information on TCC Rides Free powered by Tulsa Transit can be found at www.tulsacc.edu/tccridesfree.


text:
If those skis have been leaning again a wall in your garage since last spring, it's time to get the bindings checked.to make sure they'll release if you fall. And, whether you ski or snowboard, you'll have a better time on the harder man-made snow that covers a lot of the slopes early season, if your edges are sharp and the bottoms are smooth.
One of the best ski-tuning and repair shops for skis and boards is right here in Denver. We've been getting our skis pampered at Edgeworks for years. You'll find the shop (which focuses on bicycle service, repair and rental in the summer) at 860 Broadway. Phone: 303-831-7228.