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The fast-moving story raises many questions, political, procedural and existential. Here are some of them:
The fast-moving story raises many questions, political, procedural and existential. Here are some of them:
In the early 19th century, a series of massive quakes rocked Missouri. Some experts predict that the state could be in for another round of violent shaking, while others warn that a big quake could strike elsewhere in the center of the continent.
As I drove across the I-40 bridge into Memphis, I was reassured: chances were slim that a massive earthquake would wrest the road from its supports, and plunge me more than a hundred feet into the murky Mississippi. Thanks to a recently completed $260 million seismic retrofit, the bridge—a chokepoint for traffic in the central U.S.—is now fortified. It's also decked out with strong-motion accelerometers and bookended by borehole seismometers to record convulsions in the earth.
The bridge passes a glass colossus, the Memphis Pyramid. Originally built as a nod to the city's Old Kingdom namesake, the pyramid now enshrines a Bass Pro Shops megastore. The city recently spent $25 million to prevent the pyramid from being swallowed, perhaps by Geb, the ancient Egyptian god of earthquakes. Further downtown, AutoZone's corporate headquarters also stands ready for a tectonic throttling, propped up as it is on top of giant shock absorbers, while, the nearby Memphis VA is similarly inured to temblors after the city spent $64 million dollars removing nine floors of the hospital to reduce the risk of collapse in a catastrophic earthquake.
It happened gradually—and until the U.S. figures out how to treat the problem, it will only get worse.
It's 2020, four years from now. The campaign is under way to succeed the president, who is retiring after a single wretched term. Voters are angrier than ever—at politicians, at compromisers, at the establishment. Congress and the White House seem incapable of working together on anything, even when their interests align. With lawmaking at a standstill, the president's use of executive orders and regulatory discretion has reached a level that Congress views as dictatorial—not that Congress can do anything about it, except file lawsuits that the divided Supreme Court, its three vacancies unfilled, has been unable to resolve.
On Capitol Hill, Speaker Paul Ryan resigned after proving unable to pass a budget, or much else. The House burned through two more speakers and one "acting" speaker, a job invented following four speakerless months. The Senate, meanwhile, is tied in knots by wannabe presidents and aspiring talk-show hosts, who use the chamber as a social-media platform to build their brands by obstructing—well, everything. The Defense Department is among hundreds of agencies that have not been reauthorized, the government has shut down three times, and, yes, it finally happened: The United States briefly defaulted on the national debt, precipitating a market collapse and an economic downturn. No one wanted that outcome, but no one was able to prevent it.
The June 23 vote represents a huge popular rebellion against a future in which British people feel increasingly crowded within—and even crowded out of—their own country.
I said goodnight to a gloomy party of Leave-minded Londoners a few minutes after midnight. The paper ballots were still being counted by hand. Only the British overseas territory of Gibraltar had reported final results. Yet the assumption of a Remain victory filled the room—and depressed my hosts. One important journalist had received a detailed briefing earlier that evening of the results of the government's exit polling: 57 percent for Remain.
The polling industry will be one victim of the Brexit vote. A few days before the vote, I met with a pollster who had departed from the cheap and dirty methods of his peers to perform a much more costly survey for a major financial firm. His results showed a comfortable margin for Remain. Ten days later, anyone who heeded his expensive advice suffered the biggest percentage losses since the 2008 financial crisis.
The Brexit vote highlights some of the forces pulling the United Kingdom apart.
Among the uncertainties unleashed by the Brexit referendum, which early Friday morning heralded the United Kingdom's coming breakup with the European Union, was what happens to the "union" of the United Kingdom itself. Ahead of the vote, marquee campaign themes included, on the "leave" side, the question of the U.K.'s sovereignty within the European Union—specifically its ability to control migration—and, on the "remain" side, the economic benefits of belonging to the world's largest trading bloc, as well as the potentially catastrophic consequences of withdrawing from it. Many of the key arguments on either side concerned the contours of the U.K.-EU relationship, and quite sensibly so. "Should the United Kingdom remain a member of the European Union or leave the European Union?" was, after all, the precise question people were voting on.
The U.K.'s vote to leave the European Union betrays a failure of empathy and imagination among its leaders. Will America's political establishment fare any better?
If there is a regnant consensus among the men and women who steer the Western world, it is this: The globe is flattening. Borders are crumbling. Identities are fluid. Commerce and communications form the warp and woof, weaving nations into the tight fabric of a global economy. People are free to pursue opportunity, enriching their new homes culturally and economically. There may be painful dislocations along the way, but the benefits of globalization heavily outweigh its costs. And those who cannot see this, those who would resist it, those who would undo it—they are ignorant of their own interests, bigoted, xenophobic, and backward.
So entrenched is this consensus that, for decades, in most Western democracies, few mainstream political parties have thought to challenge it. They have left it to the politicians on the margins of the left and the right to give voice to such sentiments—and voicing such sentiments relegated politicians to the margins of political life.
American society increasingly mistakes intelligence for human worth.
As recently as the 1950s, possessing only middling intelligence was not likely to severely limit your life's trajectory. IQ wasn't a big factor in whom you married, where you lived, or what others thought of you. The qualifications for a good job, whether on an assembly line or behind a desk, mostly revolved around integrity, work ethic, and a knack for getting along—bosses didn't routinely expect college degrees, much less ask to see SAT scores. As one account of the era put it, hiring decisions were "based on a candidate having a critical skill or two and on soft factors such as eagerness, appearance, family background, and physical characteristics."
The 2010s, in contrast, are a terrible time to not be brainy. Those who consider themselves bright openly mock others for being less so. Even in this age of rampant concern over microaggressions and victimization, we maintain open season on the nonsmart. People who'd swerve off a cliff rather than use a pejorative for race, religion, physical appearance, or disability are all too happy to drop the s‑bomb: Indeed, degrading others for being "stupid" has become nearly automatic in all forms of disagreement.
A hotly contested, supposedly ancient manuscript suggests Christ was married. But believing its origin story—a real-life Da Vinci Code, involving a Harvard professor, a onetime Florida pornographer, and an escape from East Germany—requires a big leap of faith.
On a humid afternoon this past November, I pulled off Interstate 75 into a stretch of Florida pine forest tangled with runaway vines. My GPS was homing in on the house of a man I thought might hold the master key to one of the strangest scholarly mysteries in recent decades: a 1,300-year-old scrap of papyrus that bore the phrase "Jesus said to them, My wife." The fragment, written in the ancient language of Coptic, had set off shock waves when an eminent Harvard historian of early Christianity, Karen L. King, presented it in September 2012 at a conference in Rome.
Never before had an ancient manuscript alluded to Jesus's being married. The papyrus's lines were incomplete, but they seemed to describe a dialogue between Jesus and the apostles over whether his "wife"—possibly Mary Magdalene—was "worthy" of discipleship. Its main point, King argued, was that "women who are wives and mothers can be Jesus's disciples." She thought the passage likely figured into ancient debates over whether "marriage or celibacy [was] the ideal mode of Christian life" and, ultimately, whether a person could be both sexual and holy.
Thoughts on the first episode of ESPN's five-part documentary
Every fall Sunday, when I was a kid, half an hour before the pre-game shows and an hour before the games themselves, I would tune into the latest offering from NFL Films. This was the pre-pre-game show—an assembly of short films derived from the massive archive of professional football. Steve Sabol, whose father founded NFL Films, would preside. He'd offer and then throw it to Jon Facenda or Jefferson Kaye, who would narrate the career highlights of players like Gale Sayers, Earl Campbell, or Dick "Night Train" Lane.
"Highlights" understates what NFL films was actually doing. The shorts were drawn from some the most beautifully shot footage in all of sports. It wasn't unheard of for NFL Films to go high concept—this piece on football and ballet, with cameos from Allen Ginsberg and George Will, may be the definitive example. Great football plays would be injected not with the normal hurrahs, but with poetry. When Facenda, for instance, wanted to introduce a spectacular touchdown run by Marcus Allen, he did so in the omniscient third person: "On came Marcus Allen—running with the night."
Laura Ingalls Wilder's popular book series championed emotional restraint—an approach I've come to both question and appreciate in adulthood.
Laura Ingalls Wilder's semi-autobiographical series Little House on the Prairie tells the simple but sprawling story of a young pioneer girl and her family as they journey across the American frontier in the 1880s. First published during the Great Depression, the novels have since been fairly criticized for their depiction of Native Americans, but this troubling aspect hasn't diminished their popularity (they're beloved by the feminist writer Roxane Gay and the former Alaska governor Sarah Palin alike). Today, the books disturb me as much as they move me—but as a kid, I longed for someone to develop the technology to print Little House on the backs of my eyelids, so that no matter what I was doing I could always be with Laura, racing ponies across the prairie or making maple sugar candy in the Big Woods.
For the first time, the Republican nominee's operation shows real signs of changing course. But can changing the campaign change the candidate?
NEW YORK—On Wednesday, Donald Trump gave, by his standards, a restrained and subtle speech.
True, the Republican candidate referred to his opponent, Hillary Clinton, as "a world-class liar," "maybe the most corrupt person ever to seek the presidency," and someone whose "decisions spread death, destruction, and terrorism everywhere." And yes, the speech was full of lies and half-truths. Yet Wednesday's speech, delivered at an upscale hotel the candidate owns in New York's SoHo neighborhood, was nonetheless the most focused and cohesive address he has yet given, one that laid out a cogent populist argument without resorting to overt racism or long insult-comedy riffs.
Such is the bar for Trump that this represents progress. But if the Great Trump Pivot is finally happening—his makeover into a normal and presentable general-election candidate, much anticipated but never delivered in the seven weeks since he became the Republican nominee—well, the political establishment will believe it when they see it.
The common definition of "clean" might be detrimental to our skin.
A rock monster tries to save a village from destruction.
How Ariel Sabar chased the true story behind "The Gospel of Jesus's Wife" from the Florida swingers scene to the Vatican


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Welcome to the Center on Aging
The Center on Aging unites people and resources at California State University in Bernardino to respond to the needs of a rapidly aging population in Southern California.
The mission of the Center on Aging is to become a leading advocate in the Inland Empire to enhance the quality of life of older adults. Our main purpose is to assist older adults to age independently and with dignity.
The Center on Aging is a university-wide, interdisciplinary unit sponsored by the College of Social and Behavioral Sciences at CSUSB. It attempts to enhance the well-being and quality of life of older adults by engaging community organizations in interdisciplinary and collaborative efforts in research, educational programs, and service to the community.
The goals of the Center on Aging are trifold:
- Facilitate basic and applied community-based research to enhance the quality of life of older adults and their families in Southern California;
- Educate and train professionals on best practices for serving older adults;
- Advocate on behalf of older adults and their families.

subset: commoncrawl


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Some random economic thoughts
By Michael Cave
When Ronald Reagan took office (January 1981), the U.S. national debt was only a mere trillion dollars. I think "only" and a "trillion dollars" in the same sentence is an oxymoron!
In June 2004, Americans' personal savings rate hit its lowest rate since the years of the Great Depression. Americans had put their faith in the rising value of their homes. How do you think that has worked out for all of us?
Did you know that to rank as the wealthiest 10 percent, Americans needed a net worth of just $598,000? (Source: US Census Bureau). Doesn't seem like very much does it?
Vacationing this summer? Not really! Many of us look forward to the summer as a time to catch up and relax with family and friends, and possibly travel and work less. However, a Harris/Adweek Poll revealed nearly half (46 percent) of those vacationing will work on their vacation, including checking emails, voicemails, and even taking conference and business calls.
Men are more likely than women to work on their summer vacation (54 percent to 37 percent). My advice: go on a wilderness, rural remote adventure and leave the laptop and cell phone at home!
More on the U.S. national debt:
We have been brainwashed by the media and politicians to believe that the Chinese hold most of the U.S. debt, that future generations will have a lower standard of living and the American people will be working for the Chinese. The reality is China held only 9.5 percent of our outstanding debt in 2010.
The largest lenders to the U.S. government are you and me, the American people. We own collectively 42.1 percent of the national debt in the form of Treasury bills held in our pension funds and 401(k)s/retirement accounts. (Source: Joshua Holland, Senior Writer and Editor for AlterNet).
The good news — we still live in the greatest, wealthiest, most democratic country and freest nation in the whole world. God bless America!


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We have recently released four Wrestling DVDs featuring Chris Pendleton and Mark Branch. Both of whom were 2x NCAA Champions at Oklahoma State. These four new Wrestling DVDs are titled:
Mastering the High Crotch Crackdown
No Fear! Attacking from the Bottom Position
Practice Routines Volume II: Drills from the Feet
We have three new DVDs featuring Rob Koll, John Smith & Eric Guerrero! These three coaches have a proven track record of success. Don't miss this opportunity to learn from some of the best in the business!
Arm Spins & Shoulder Throws with Rob Koll
Situational Wrestling from the Bottom Position with John Smith
Becoming a Champion Wrestler: Fundamental Motor Skills for Wrestling with Eric Guerrero
In these instructional wrestling DVDs Coach Rob Koll, John Smith & Eric Guerrero give you new techniques and drills that you won't want to miss!
Oklahoma State wrestling coach, John Smith, earned his 300th career dual meet victory as Oklahoma State defeated #24 Arizona State 40-4. The win improved Smith's career record to 300-44-5 in 20 years as head coach. Smith is the first coach in OSU's storied history to reach 300 wins!
John Smith has won five NCAA championships at Oklahoma State. As a collegiate wrestler, he won two NCAA championships (1987 and 1988). Smith also won Olympic gold in 1988 and 1992.
Oklahoma State wrestler Jordan Oliver won a bronze medal at the Junior World Championship in Turkey. Oliver is coached by Eric Guerrero, Assistant Coach at Oklahoma State University. Guerrero was selected to serve as head coach for the USA at the 2009 FILA Junior Freestyle World Championships in Ankara, Turkey.
About Us | Security & Privacy | Shipping | Affiliates | Advertise With Us | Help | Contact Us | Site Map | Drake University Distance Learning | Gift Certificates | Request a Catalog | Print Order Form
© 2016 Championship Productions, Inc.


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Things you will find Only In Print include: Trial postponed for 2 former LR police officers, Getting ready for a bake sale and ASU wins 12th straight over UALR.
Call the Daily Leader at (870) 673-8533 between the hours of 8 a.m. and 5 p.m. Monday through Friday to set up your subscription today!
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College Hockey:Led by Trouba, six with college ties picked in first round of 2012 NHL Entry Draft
PITTSBURGH — In what could have been a poor showing for college hockey at the 2012 NHL Entry Draft, Friday's opening round ended with more-than-respectable results.
Led by Jacob Trouba, who was selected ninth overall by the Winnipeg Jets, players with collegiate ties heard their names called six times from the stage at the Consol Energy Center.
Trouba, who said he is committed to attending Michigan in the fall, has been to Winnipeg just once in his life and said he mostly remembers it as cold.
"It's a great city but it's pretty cold," Trouba laughed. "Going to have to get the boots out."
Trouba said he is excited to get his education under way at Michigan but also hopes to use his time in Ann Arbor to get stronger and fill out more of his 6-foot-2 build.
Five picks after Trouba, Vermont recruit Zemgus Girgensons became the first Latvian-born player to be selected in the first round of the draft. Last year, he captained the Dubuque Fighting Saints in the USHL, scoring 55 points in 49 games.
While Vermont is his plan for next year, he said he feels he's already set to step right into the NHL.
"People tell me I can play in the NHL and I think I'm ready to play in the NHL," Girgensons said.
Probably the biggest first-round surprise was Providence recruit Mark Jankowski. Ranked 74th in the midterm rankings from NHL Central Scouting, he jumped to 43rd by the final ranking and ended up being selected 21st overall by the Calgary Flames. The Flames, in fact, traded up to make sure they got their man.
"I'm a little bit surprised," Jankowski said. "I kind of had it in my mind that I might be going to Calgary. I met with them early today. I just didn't want to get my hopes up."
Jankowski received great praise from Calgary general manager Jay Feaster, who said 10 years from now, Jankowski might be the best player to come out of this draft class.
Providence coach Nate Leaman, on hand in Pittsburgh on Friday to support Jankowski, said he wasn't sure whether Jankowski intended to come to Providence next year or in 2013. Minutes later, Jankowski answered that question, saying he plans to play a year in the USHL before joining the Friars.
Boston College recruit Michael Matheson was selected 23rd overall by Florida. Unlike the other two Hockey East picks, he said he will be in Chestnut Hill next fall.
"I'm 100 percent committed to going to Boston College next year," Matheson said.
Two picks after Matheson, North Dakota commit Jordan Schmaltz was nabbed by the St. Louis Blues, 25th overall. The list of collegians was capped off as the New York Rangers selected defenseman and Minnesota recruit Brady Skjei 28th.
There were a number of collegians who had first-round aspirations but will have to wait until Saturday to hear their names called. Heading that list is Michigan forward Phil Di Giuseppe, who was ranked 22nd among North American forwards by Central Scouting but failed to become a first rounder.
The draft concludes Saturday when rounds two through seven will take place beginning at 10 a.m. EDT.
The following is a self-policing forum for discussing views on this story. Comments that are derogatory, make personal attacks, are abusive, or contain profanity or racism will be removed at our discretion. USCHO.com is not responsible for comments posted by users. Please report any inappropriate or offensive comments by clicking the "Flag" link next to that comment in order to alert the moderator.
Please also keep "woofing," taunting, and otherwise unsportsmanlike behavior to a minimum. Your posts will more than likely be deleted, and worse yet, you reflect badly on yourself, your favorite team and your conference.


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Home » Unlabelled » 0-16?
Monday, December 03, 2007
Posted by David Kennedy
I've taken to calling it the IMperfect season. I'm starting to think that it is a reality, and therefore I'm thinking that I want to go to the last game of the season to be a part of the majesty that is a totally futile season.Like This Article ? :
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- ITV Report
Naval Crew March Through Somerset
- ITV Report
Jubilant scenes as HMS Montrose returns
Live updates
New rescue helicopters 'will reach larger area of UK'
The Department for Transport has said that under the new contract helicopters will be able to reach a larger area of the UK Search and Rescue region within an hour of take-off than is currently possible.
It added that, based on historic incident data, it is estimated there will be an overall improvement in flying times to incidents of around 20 percent (from 23 to 19 minutes).
Presently, approximately 70 percent of high and very high-risk areas within the UK SAR region are reachable by helicopter within 30 minutes. Under the new contract, approximately 85 percent of the same area would be reached within this time frame.
Search-and-rescue contract goes to US company
The Department for Transport has confirmed the contract to run the UK's search-and-rescue helicopter service has gone to the US-headquartered Bristow Helicopters.
Background to Search and Rescue privatisation
The plans to privatise search and rescue helicopters were laid originally out by the Labour government in 2006.
The plans were controversial, and designed to replace the ageing Sea Kings that were currently in use.
Soteria SAR was announced as the frontrunning bidder in February 2010, but a year later it was prevented from acquiring the contract due to several issues with the conduct of their bid team, as well as forming part of the coalition government's spending review.
Factfile: The Sea King helicopter
The Sea King helicopter has been in service for over four decades, with a distinguished history with the Search and Rescue service as well as other assignments.
- The Sea King has operated in 10 wars and been involved in 15,000 rescue operations
- It has saved more lives than any other aircraft
- It is reportedly Prince William's favourite aircraft
End of an era as Search and Rescue is privatised
The Search and Rescue service has been awarded to an American firm, bringing an end to seven decades of service by the military.Read the full story ›
Govt to announce sell-off of Search and Rescue service
The government is set to announce that Britain's Search and Rescue service is to be sold off to an American firm.
Up until now, the operation has been run by the RAF, Navy and Coastguard Agency.
The firm will actually be awarded two contracts, because the service has been separated into two parts operating different types of helicopter.
An announcement is expected just before the stock market opens in the morning.
HMS Enterprise starts nine month deployment
HMS Enterprise has sailed from the South West to the Middle East for nine months on operations. The Plymouth-based Royal Naval survey ship will be deployed protecting the nation's interests and contributing to the safety of military and civilian shipping.
The ship sailed from Falmouth with a new survey motor boat called Spitfire. The nine-metre boat doubles the mother ship's ability to collect data. The ship has been in the Cornish port for the last month conducting work on the davit used to lift the boat in and out of the water.
- Robert Murphy
HMS Somerset Crew On Parade
- ITV Report
Naval Crew March Through Somerset
Crew from HMS Somerset march through Bath after returning to PlymouthRead the full story ›
- ITV Report
Jubilant scenes as HMS Montrose returns
There were emotional scenes at Devonport docks earlier today as families welcomed home their loved ones from a six month deployment.Read the full story ›


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In 1986 the Imperial Court was founded and a long line of Royals were born beginning with Imperial Majesties Emperor I George The First and Empress I Sybil The First. In 1990 a documentary titled Paris is Burning was created exposing a different side of New York underground atypical drag ball culture. Drag was beginning to mean more than a man wearing a dress. Out of these humble beginnings a royal fantasy extravaganza known as the Night of a Thousand Gowns evolved.The pomp and circumstance, glamour and glitz in drag today, would shock and please the late legendary drag queen Pepper le beija featured in the documentary film Paris is Burning.
On the night of March 29th,2014 a thousand gowns and crowns came together and the Imperial Court of New York crowned Emperor XXXII Tony Monteleone and Empress XXVIII Twinkle Montgomery as the new Imperial Sovereign Majesties. The Imperial Court includes Dukes and Duchesses Prince and princesses excluding the royal title of Queen. Jose Sarria , founder of the Imperial Court system was quoted as saying ''Why be a Queen when you can be an Empress''?
This year's special guest was the hilarious outspoken comedienne Sandra Bernhard whose performance entertained the guests as they dined. Honorary chair Marsha Mason walked the red carpet along with Edith Windsor the recipient of the Imperial Diamond Award. The Imperial Court of New York raises awareness and financial support for the LGBT community through performing and fundraising. Please contact Gary Cosgrove , president of the Imperial Court of New York for information .


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New Orleans Saints Coach Sean Payton said his team will play to win on Sunday against the Carolina Panthers in the Mercedes-Benz Superdome. He said he will not bench any starters for the regular-season finale.
"We're going full speed ahead," said Payton, who said he doesn't even plan to pay attention to the score of the San Francisco 49ers-St. Louis Rams game, which will be played at the same time.
The Saints need to win and have the 49ers lose to earn the No. 2 seed in the NFC.
Payton said he decided to play his starters this week, both because of that shot at the No. 2 seed and because he feels like his team is well-rested and has a lot of momentum going during its current seven-game win streak.
"We're playing some of our best football here the last few weeks," Payton said. "There's some value to that."


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Photo Courtesy: Arizona Athletics
High School: Marist High School, Atlanta, Ga....Played in the No. 1 position for the War Eagles all four years... Ranked in the Top 35 nationally in his high school career...During his senior year helped lead his team to the state finals.
Personal: Born Luka Angelo Cerenko on Nov. 4, 1985, in Zagreb, Croatia...Son of Dr. Danko and Dr. Adriana Cerenko... Father is a doctor specializing in the ear, nose and throat regions... Mother is also a doctor... Brother, Marko Cerenko, competed in tennis for Duke University and graduated in 2001...Also has a little sister, Anna-Maria, age 13.


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Ways That You Can Save On Your Life Insurance Policy
The main purpose associated with life insurance is for meeting your loved ones' needs after you die. Read the tips in this article for great advice on finding the right policy for you.
Don't go out and buy a life insurance plan without a good reason. First up, establish your reasons for getting a policy. Life insurance premiums will be lower if you start young and are healthy, so keep this in mind when deciding exactly when to think about purchasing it.
Tell your agent if you have a risky job or participate in extreme hobbies. While you may end up paying more money, you can avoid the hassle of becoming ineligible for full coverage as a result of your failure to disclose this information. It's thought of as fraud if you withhold this information, and it carries very large legal penalties.
Some insurers may offer premiums that can be as much as 40% lower than others. There are many sites online that will allow you to compare policies, coverage and prices, but be sure to figure your medical history into the equation.
When you do this you get a big portion of the benefits of death before the person who is terminally ill dies. If you need the funds today then this feature can help you sooner than later, because the person might need special treatment in their last months of life.
Life insurance policies offer various amounts of coverage, from a small sum to millions of dollars. Think about what kind of coverage you need to protect your family and assets. Consider what type of expenses your family will incur after your death.
If you are a smoker, consider looking into term life insurance for smokers. These policies may charge higher life insurance premiums than regular polices would, but smokers are accepted. These insurance policies also provide coverage for medical expenses incurred as a result of diseases and health problems related to tobacco. You must realize smokers are put into different categories based on the amount that they smoke.
Save Money
Shop around for a life insurance policy that's right for you. There are websites online that you can visit to see more than one quote at a time so you can easily compare the options available to you. Do homework and research and you can figure out what route is best for you to save money. Comparison shopping helps you save money on insurance in the long run.
If you're married, you should purchase a policy that is two-in-one. This is a type of joint policy, rather than having two separate policies. A joint policy's premium is much less than two single policies. There should be no change in coverage; the only difference you'll see is in the price.
When comparing life insurance policies, be sure to make full use of the Internet. A lot of websites provide useful information about prices and policies, and offer comparisons between different options. Three great sites to get you started include Insure.com, Accuquote, and Insweb.
Live a healthy life and keep your body healthy. People who aren't at risk pay a lot less when they shop for life insurance, people like non-tobacco users do as well, so keep this in mind. Having a healthy lifestyle will really pay off in the end.
Insurance Policy
When you purchase a life insurance policy, check into the terms of cancellation. You may find an agent you would rather work with or a policy that fits your needs better. There are some companies that charge a penalty fee for canceling the policy. Make sure you are aware of the penalties you will need to pay for choosing to cancel your life insurance policy.
Put your life insurance paperwork in a safe place. Let those who are named as beneficiaries aware of where policies are located, in order to facilitate prompt claims.
Were you aware that it was possible to financially prepare for your retirement with life insurance? A life insurance policy that is a return-of-premiums policy will pay you back if not used. You pay your premiums in full for a certain length of time, and then if you outlive the term of the policy, you will get your premiums back. Once you reach the expiration date, you will receive one lump sum for use as you see fit.
Let your family and loved ones know what type of life insurance you have decided to purchase. Make beneficiaries aware of the amount, location, and contacts for the policy in case they have a need for it.
Getting life insurance is an important decision and you should not buy anything before having all the information you need. To do exactly that, employ the ideas you have just learned.


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Best of the City
The Editors | Photo: Trevor Paulhus | January 9, 2014
A specially curated list of the latest must-knows and must-haves in Dallas culture, beauty, style, design and food.
On Pointe
At age 3, Betsy McBride eagerly joined her older sister in classes at Ballet Academy of Texas in Coppell. Now, 17 years later, she is on her toes as a principal dancer in Texas Ballet Theater. "The biggest thing I love about dancing is performing," shares McBride, who pirouetted last month as the Snow Queen in The Nutcracker. "Every day in the studio is really hard, but knowing we are working toward performing for an audience helps keep me going." And certainly, going places—McBride is hoping to land the legendary role of Odette in TBT's spring performances of Swan Lake with live accompaniment by the Fort Worth Symphony Orchestra.
Engineering Art
What a showing! Look for the work of under-the-radar Cedars artist Rusty Scruby on Jan. 18 at the Art Museum of Southeast Texas in Beaumont and on Feb. 8 at the Grace Museum in Abiline. (He's even slated to enjoy a stint at the Pentimenti Gallery in Philadelphia.) Perhaps the fact that Scruby's pieces frequently involve a meticulous arrangement of small photos or slices of color to create large, precise images and geometric sculptures shouldn't surprise, as the former aerospace engineer adores the abstract languages of math and music composition. As a child, he even memorized the first 500-plus digits of pi. "As an adult," he shares, "I'm still breaking down everything in the world around me—objects, photos—and putting them back together as if it was a puzzle, so I'm trying to rebuild the world."
Kudos to Imaginuity, the elite digital branding agency that just clinched the 2013 Obelisk Award from the Business Council for the Arts for its pro bono website development for Undermain Theatre. But that's not all—the enthusiastic backers have provided free services to other arts and kids charities, including Big Thought, the 500 Inc. and the Fine Arts Chamber Players. "We are all from the Dallas area, so we want to see Dallas grow and prosper as far as the arts go," explains Tim Langford, executive creative director and partner. "We all think it is vital that all kids have the opportunity to be exposed to art."
Click here for our digital edition for the full Best of the City story on all things related to culture, beauty, style, design and food.


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Along with my #1 pick on this list, this film contains a very refreshing premise and a unique outlook on an unlikely figure. Practically 10 years after Legionnaire, his last best cinematic vehicle that at least had the fortunate luck of getting off the ground despite its inability in securing a wide theatrical release, martial arts superstar Jean-Claude Van Damme still proves that he has a far greater acting ability than many of his action star counterparts. As in the case of Legionnaire, the film JCVD does not need to cloud its contents full of martial artistry to prove its points. Van Damme has had mixed success in his career, as he seems to acknowledge publicly from time to time, from drug use on and off the screen to marital problems, from strong accomplishments as an actor in well written film such as 1993's Nowhere to Run and the aforementioned Legionnaire from 1998, to odd/inconsistent (supposedly drug induced) 'phoning in of performances' as seen in flops like 1994's Street Fighter and 1998's Knock/Off. With an intent to start anew through Legionnaire, Van Damme has done some admirable work as an actor (he did have formal training in France along with infamous formal training in Karate in his home country of Belgium) in intriguing, but cinematically flawed pictures such as 2003's In Hell and 2007's Until Death. However, there is no denying that this film is his comeback.
Director Malbrouk El Machri invents a funny situation any celebrity can supposedly get entangled into any day, anywhere. Supposedly like Van Damme, if you were an actor who was having difficulty in his career, had trouble keeping trustworthy contacts, and more importantly, had a child that you wanted to regain custody. It seems plausible that anyone would mistake you for robbing a bank in some sheer moment of desperation. The real robbers tip this illusion to their advantage, and then this begins a subtle form of hilarity. El Machri paints a wonderfully postmodern tale of failure, regret, and redemption through a type of Orson Welles-F For Fake inspired 'mock'-u-drama (as opposed to docudrama) combined with a Jean-Luc Godard inspired sense of freeform cinema. Although Jean-Claude maybe playing himself, he is certainly exposing his soul like no other allowing himself to be mocked by the story and characters, welcoming very funny improvisational things to happen to Mr. JCVD, and opening every door to the man's anguish, sadness, and even embarrassments.
However, his seething portrait of himself is not without his fans and even enemies. One of the robbers admits to being one of his biggest fans while his leader does not care about anybody or anything but winning. The most impressive scene in the whole film comes when JCVD literally floats into the set's overhead stage lights and lets out a 6 minute monologue about everything he wishes to say before he may die in this bank/post office. The fact that the film is willing to dish to the audience the possibility that this Hollywood figure may not even survive as if it were really happening is deliciously satirical. For all that JCVD accomplishes, it's great to see people who didn't think that Van Damme could act proven completely wrong. The surprise must have been so great that Time Magazine listed Van Damme's performance in JCVD as #2 of the Top 5 great performances by Male Actors of 2008 after Heath Ledger.


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Crosby, Stills & Nash were already legends when they joined forces on their eponymous debut, yielding such golden greats as "Suite: Judy Blue Eyes" and "Marrakesh Express."
Each of the trio's constituents was either the front man or principal songwriter in a popular '60s group: David Crosby played guitar and sang with The Byrds; Stephen Stills headed up The Buffalo Springfield; and Englishman Graham Nash honed his songwriting chops in The Hollies.
Of course, none of the men (then in their early 20s) could've prophesied that their commercial and artistic triumphs as a threesome would rival (if not eclipse) any previous effort, or that they'd still be harmonizing together as CSN some 45 years later.
Crosby, Stills & Nash were therefore regarded as a super-group when they played for an audience of thousands in the fields surrounding Yasgur's Farm in August 1969. Expectations were lofty for the fledgling folk confab, yet they delivered at Woodstock, and time and time again, issuing one memorable LP after another and watching the decades tick on (unlike the harder-rocking Cream, whose superstar musicians threw in the towel after a comparatively short run).
Bethel was only the beginning for CSN, whose eloquent, acoustic-powered hymns defined a generation (and influence another, in ripple-like fashion). Collaborating with Canadian crooner Neil Young (also of Buffalo Springfield), they spearheaded the singer-songwriter movement of the early '70s, paving the way for fellow future icons like James Taylor, Jim Croce, Gordon Lightfoot, and Kenny Loggins. Possessed of angelic voices whose multi-tracked output still conjures seraphim and cherubim, CSN set new standards for anti-establishmentarian anthems, heartfelt ballads, and feel-good pop.
We'd argue that few have done it better since, but such language would suggest their time has come and gone, and that all we're getting now is fossils—rehashes and retreads.
But CSN isn't exactly a past-tense proposition. Not yet, anyway.
Fresh off a TV appearance on The Tonight Show With Jimmy Fallon (not Johnny Carson, as the case might've been eons ago), Crosby, Stills & Nash lived up to their reputation Friday night with another memorable concert at Jacobs Pavilion, offering a smorgasbord of CSN staples alongside standouts from each man's solo career. There was no escaping the flood tide of nostalgia triggered by the evening's itinerary, which spotlighted selections long-woven into the fabric of our consciousness. The inclusion of new tracks emphasized the band's ongoing evolution, however, and one surmised from Nash's mid-song banter that the stentorian songwriters have little choice when it comes to channeling their muse.
They were born for this.
The Rock and Roll Hall of Famers are promoting CSNY: 1974—a CD/DVD box set of vintage concert material—on their current summer tour. But the mustachioed, wispy-haired Crosby (who battled drug addition in the '80s and still copes with heart-related issues) agreed that writing new stuff keeps them alive.
Crosby's latest, Croz, dropped early this year. The sweet-throated singer demonstrated not only his ability to adapt and evolve when dipping into that disc (as on "Radio"), but also his quick wit: When his guitar started feeding back thirty seconds into "What's Broken," Crosby switched it for another acoustic and recovered with a dazzling cover of Joni Mitchell's "Real Good For Free."
We're talking Goosebumps City, people.
That's precisely the sort of resilience CSN has shown over years, repeatedly putting aside whatever personality crises and legal wrangles might arise to, well—as the title of the opening tune suggests—"Carry On."
Dinosaurs in a digital age? Perhaps.
But sublime renditions of "Long Time Gone," "Southern Cross," and "Lay Me Down" evinced that Cleveland was once again bearing witness to the true titans of tunesmithing. And when Stills shuffled out front to crank out one of his many sizzling guitar solos (or when Crosby hit those crystalline high notes, or Nash waxed romantic on electric piano), that pinch-me-I'm-dreaming feeling was palpable.
Looking more like college professors than granola-munching undergrads, the grandfatherly triumvirate sang of choice and chance on "Delta" (from 1982's Daylight Again), using rivers and oceans to symbolize time's passage. "Cathedral" (from 1977's CSN) juxtaposed Catholic altars with the druidic Stonehenge in its solemn scrutiny of religious-motivated killing—and boasted a tag-team keyboard solo courtesy James Raymond (Kurzweil synthesizer) and Todd Caldwell (Hammond organ).
Nash entry "Back Home" paid homage to The Band's Mark "Levon" Helm, who died in 2012—and any moroseness suggested by the ashes-to-ashes subject matter was offset by Stills' incendiary duel with co-guitarist Shane Fontayne (Bruce Springsteen, Sting). The guys even used the song's "Take a load off" lyric as a springboard to segue into Helms' classic "The Weight" at the conclusion.
The sexagenarian Stills walks with a mild limp these days (possibly aggravated by back problems), and his gravelly voice has lost a little oomph, but the man behind Manassas still cooks on guitar. Wielding a Fender Stratocaster (with a Coca-Cola brown finish) most of the night, Stills ripped on "Don't Want Lies," a number he wrote last year with Kenny Wayne Shepherd (in a side project called The Rides). He was in full bad-ass mode on "Bluebird" (from the 1967 record Buffalo Springfield Again), and—despite Crosby and Nash's tight vocals—transformed Bob Dylan's "Girl from the North Country" into a six-string tour de force.
"I wonder how many times we've played here," remarked Crosby, during his been here, done that preface to "Déjà Vu."
Nash's upbeat-but-sad "Military Madness" indicted world governments (specifically our own) for their knee-jerk violence and called for a sea-change in foreign policy. Other "no more war" moments punctuated the set, and though little has changed in Washington, D.C. since Vietnam with respect to war-mongering, Crosby said they still sing about peace because "We don't like to give up."
Drummer Steve DiStanislao provided the proper balance of rock and restraint on "Helplessly Hoping, while bassist Kevin McCormick's subtle grooves underpinned the guitar-and-keyboard mixes on Nash tearjerker "Here For You."
Everyone had a chance to shine, whether on his instrument or at the microphone. Swaps between guitars (Fender Telecasters, Martin acoustics, and big-bodied Gretchs) were frequent, resulting in visual as well as aural diversity. The entire Crosby, Stills & Nash firm was onstage together most of the time, but occasionally the fellows relieved one another, with one or two principals heading up a song while the third rested in the shadows. On the delicate "Guinnevere," for example, Crosby and Nash held court as Stills recuperated in the wings, contemplating the Cleveland skyline. The rotational strategy was effective, and assured there was always something cool to see and hear.
The traces of anger heard in Nash's voice on some of the more politically-charged material revealed his passion. Even in his silver years the ex-Hollie isn't content to just go through the motions. Performing barefoot, the Renaissance man dedicated the fiery "Burning for the Buddha" to the Tibetan monks now suffering at the hands of Chinese overlords. Nash said he was inspired to write the tune after seeing an image of one such holy man protesting by way of self-immolation.
"I'm a photographer myself," he explained. "And that image was indelible."
Indeed, Nash spent the better part of Friday afternoon at the Cuyahoga County Public Library in Parma, where he fielded questions from The Plain Dealer's Michael Heaton before a packed auditorium. Nash—who collected rare prints in the '70s and '80s while developing his shutterbug skills—scheduled the extra stop to discuss his new photo memoirs, Wild Tales: A Rock and Roll Life.
Stills electrified the pavilion with pilot-for-hire hit "Treetop Flyer" as the gargantuan (643 ft.) iron ore freighter Sam Laud navigated a bend in the Cuyahoga River (which winds behind the stage). Seated once more at his electric piano, Nash pounded out a jubilant "Our House," whose familiar "two cats in the yard" chorus was snatched up and regurgitated by delighted fans. Nash's change-the-world opus "Chicago" was a showstopper replete with additional guitar heroics from Stills, who then grunged up the psychedelic Springfield smash "For What It's Worth" with ethereal, reverberated notes. Again, the crowd took up the refrain, echoing the "stop, children, what's that sound" on cue.
"Love the One You're With" (another Stills chestnut) was an exuberant sing-along finale, spiraling into another vocal and instrumental band workout that had floor and bleacher patrons up and dancing. The evening's encore (which, like opener "Carry On" hailed from1970's Déjà Vu) brought everything—band, audience, and concert (the opener likewise hailed from 1970's Déjà Vu album) full circle: The life lessons encapsulated in "Teach Your Children" have no expiration date.
And so it would seem with the whole of the Crosby, Stills & Nash catalog. These guys may be "older than dirt" (as Crosby quipped), but their music (and messages contained therein) is timeless.
Suggested Links
- Chicago still makes 'em smile with Cleveland concert
- Elton John electrifies Covelli Centre in Youngstown, Ohio 2-1-2014
- Billy Joel brings rock, laughs to Quicken Loans Arena in Cleveland
- Chicago celebrates past, teases future in concert at Hard Rock Rocskino
- Hall & Oates headline Rock Hall benefit one month after their induction


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I have a broken AVI, it won't play in VLC, Xine or MPlayer.
I tried Handbrake (reads the file and resets the source to None), OggConvert, Avidemux and mencoder fail to read the file, I cannot seem to reencode this file.
I suspect the header info is corrupt, is there a way to get the a/v streams out with a missing header?


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Product Pathways - DNA Damage
Phospho-Chk2 (Ser33/35) Antibody #2665
PhosphoSitePlus® protein, site, and accession data: Chk2
|100 µl (10 western blots)
|In Stock
|20 µl (2 western blots)
|In Stock
|carrier free and custom formulation / quantity
|email request
|MW (kDa)
|Human, Monkey
Species cross-reactivity is determined by western blot.
Applications Key: W=Western Blotting
- 2665:
- Western Blotting
Specificity / Sensitivity
Phospho-Chk2 (Ser33/35) Antibody detects endogenous levels of Chk2 only when phosphorylated at serine 33/35. The antibody does not cross-react with Chk2 phosphorylated at other sites.
Source / Purification
Polyclonal antibodies are produced by immunizing animals with a synthetic phosphopeptide corresponding to residues surrounding Ser33/35 of human Chk2. Antibodies are purified by protein A and peptide affinity chromatography.
Western Blotting
Western blot analysis of extracts from COS cells, untransfected (lane 1) or transfected with Wild-type Chk2 (lane 2), Chk2 (S19A) (lane 3), Chk2 (T26S28A) (lane 4), Chk2 (S33S35A) (lane 5) or Chk2 (T68A) (lane 6), using Phospho-Chk2 (Ser33/35) Antibody.
Chk2 is the mammalian orthologue of the budding yeast Rad53 and fission yeast Cds1 checkpoint kinases (1-3). The amino-terminal domain of Chk2 contains a series of seven serine or threonine residues (Ser19, Thr26, Ser28, Ser33, Ser35, Ser50, and Thr68) each followed by glutamine (SQ or TQ motif). These are known to be preferred sites for phosphorylation by ATM/ATR kinases (4,5). After DNA damage by ionizing radiation (IR), UV irradiation, or hydroxyurea treatment, Thr68 and other sites in this region become phosphorylated by ATM/ATR (5-7). The SQ/TQ cluster domain, therefore, seems to have a regulatory function. Phosphorylation at Thr68 is a prerequisite for the subsequent activation step, which is attributable to autophosphorylation of Chk2 at residues Thr383 and Thr387 in the activation loop of the kinase domain (8).
- Allen, J.B. et al. (1994) Genes Dev. 8, 2401-2415.
- Weinert, T.A. et al. (1994) Genes Dev. 8, 652-665.
- Murakami, H. and Okayama, H. (1995) Nature 374, 817-819.
- Kastan, M.B. and Lim, D.S. (2000) Nat. Rev. Mol. Cell Biol. 1, 179-186.
- Matsuoka, S. et al. (2000) Proc. Natl. Acad. Sci. USA 97, 10389-10394.
- Melchionna, R. et al. (2000) Nat. Cell Biol. 2, 762-765.
- Ahn, J.Y. et al. (2000) Cancer Res. 60, 5934-5936.
- Lee, C.H. and Chung, J.H. (2001) J. Biol. Chem. 276, 30537-30541.
Application References
- Mochan, T. A. et al. (2003) . Cancer Research 63, 8586-8591. Applications: Western Blotting.
- Buscemi, G. et al. (2006) Mol Cell Biol 26, 7832-45. Applications: Western Blotting.
Have you published research involving the use of our products? If so we'd love to hear about it. Please let us know!
Companion Products
- 7074 Anti-rabbit IgG, HRP-linked Antibody
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- 6334 Chk2 (D9C6) XP® Rabbit mAb
- 2662 Chk2 Antibody
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- 2669 Phospho-Chk2 (Ser516) Antibody
- 2661 Phospho-Chk2 (Thr68) Antibody
- 6883 SignalFire™ ECL Reagent
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This product is intended for research purposes only. The product is not intended to be used for therapeutic or diagnostic purposes in humans or animals.
Cell Signaling Technology is a trademark of Cell Signaling Technology, Inc.


text: Doll up any outfit with these stylish wedges! They will look super hot paired with your favorite skinnies or dress. Make sure you add these to your closet, it definitely is a must have! The features include a smooth velvet upper, slip on style, bow front, loafer design wedges with an almond closed toe and complete with a smooth lining, and cushioned footbed. Approximately 5.5 inch wedge heels and 1.5 inch platforms. Please Note- Style runs 1/2 size SMALL. Style: shoes-wedges-ys-trina-28leopard


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YesStyle.com ships to the United States.
I absolutely love these socks. Nice and comfy and so cute!
I've received a bunch of compliments, and my cat also totally approves :3
Absolutely love these socks, I got them in four different colors. They're very comfy and I like to wear them all the time, especially now that winter is coming (hehe) and ankle socks are too cold.


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How exhausted will I be after giving birth, and how long will it take to get my energy back?
I am blessed that I will get to stay home with our newborn for about five months before going back to work. My husband and I agree that I will be primarily responsible for cleaning our home and doing grocery shopping as a SAHM (tasks I'm very happy to do to get to stay home). We want to spend our evenings together with the baby instead of cleaning. We share cooking responsibilities, and I know he'll help with the house on weekends. DH is an amazing man and husband, and will be a very involved father. We both know that it takes a bit to recover and although I know he'll help and be flexible, I'm wondering how long it usually takes women to feel back to normal. How long should we mentally prepare for it to take before I take on the full responsibility of what we've agreed to? I don't want to plan on it taking one week and then be surprised when I don't feel back to normal for a month. (ps. the plan is have a completely natural birth and breastfeed exclusively). Thank you, thank you!
Posted: 02/11/2013 by lydiamichellepowell
Mom Answers
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1 - 1 of 1 answers
One week? I know it's different for everyone, but....chances are it's going to take longer than a week. Even if you are feeling okay, that doesn't make it okay to peform certain tasks. You're not supposed to lift anything heavier than the baby for quite a while. Honestly, it took 6 months for my legs to stop shaking a little and feel a little sore in the tendons where leg meets pelvis. I resumed normal activities long before that but....just don't think a week later you'll feel like you did before you got pregnant. Also...the bleeding afterward can last up to 6weeks, it did for me. So feeling like you're wearing wet diaper with the huge pads on all the time is no fun. I also gave birth naturally, breast/bottle fed. I had stitches and that also took time to heal. Your "job"immediatey after having baby should be bonding, breastfeeding, and sleeping/napping when you can. It'll be tougher not using bottles too. It was nice when my husband could do a night feeding so I could sleep more!posted 02/18/2013 by MamaBearden
Answer this question


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Telephone: If you want a land line the National Telephone Company is Cable and Wireless, they own 49% of the phone company, the Panama Government owns 49% and the employees collectively own 2%. They also offer DSL for internet access. I have not dealt with them for either but I hear the same grousing that I am accustomed to hearing about any public utility.
You can find the mobile phone trailer if you know where to look, or you could get something more compact, like a cell phone.
Cellular Phone: Currently there are two companies and multiple plans to choose from. Cable and Wireless and Movistar. We use C&W GSM, C&W because we have excellent reception at our house and we choose not to have a land line. We also prefer GSM technology so that with an unlocked phone we can change SIMS as we travel around the world.
GSM is the world standard for cell phones. Several cell phone carriers in the US have GSM networks including Cingular, T-Mobile and others. All carrier sold phones are LOCKED that means software locked to work on just their systems. I suggest that if you plan to travel find an unlocked phone, pay the premium and have freedom to choose or call your provider and ask that they unlock your phone.
In Panama you can do the traditional monthly billed cell phone or do prepago (prepaid). Not yet knowing the ropes when we arrive we tried to replicate what we had in the USA regular monthly billing, they wanted a $200 deposit per phone. I then selected prepago.
The prepaid rate sounds high, cards are $5, good for 7 days and $10 good for 30 days, calls are $.35 a minute. BUT you only pay for outgoing calls, no double dipping. Equally important there is almost always a promotion going on, triplica or quadruplica meaning if you input you prepaid number on those days yo get either $30 or $40 in calling credit for your $10 card. Also unused balances roll over, so if you are a light user of your cell phone you could end up with big roll overs. In essence the bill is $10 a month for lots of calls.
One more note on C&W when you buy a SIM from them you need to present your passport, if you buy a chip at a reseller you do not. Finally if you are an English speaker you can go into a C&W office and ask them to change the computer setting for your number to English and all voice prompts will magically be understandable.
Skype: If you have a need to call outside of Panama you need Skype, a good computer, a headset for the computer and a high speed internet connection. Skype works, for $30 a year you can have Skypein a telephone number in your choice of countries or states. For another $30 you can have Skypeout unlimited calls for a year to the US and Canada. For nada you can call other Skype users.
For More info on Skype follow this link: Make and receive calls to ordinary phones with your computer. www.skype.com
Internet: Your Internet connection is you lifeline to communicate with the world and your community. Boquete probably has the second best Internet infrastructure in the country; second only to Panama City. You have several choices in Boquete I urge you to be sure at least one can provide access BEFORE you commit to a residence. As discussed above DSL is available from C&W, I have not used it but DSL has distance limitations so be sure that it works at your address do not assume it will.
The other options are wireless I use Barranco and will provide one of my endorsements. Rob does an excellent job providing a quality service but once again be sure to have a site survey done first, Barranco is wireless and requires line of sight to one of their towers.
There is a wealth of information on http://www.boquete.org and you should read all of it before coming here.


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Tonight is a new episode of "Vanderpump Rules" but the cast is already filming the reunion show. On Jan. 13, Wet Paint shared that the cast is tweeting about how wild things got at the reunion special. They actually filmed it on Jan. 10 but have been talking about it ever since that day.
Scheana Marie revealed that they did the filming really early. Jax Taylor was tweeting during breaks and even saying it was getting crazy. He even revealed that after that day he needed a strong drink. It was obvious that things got heated, but they always do during the reunions on Bravo.
Ariana was at the reunion show according to a photo by Scheana Marie. This means that there will probably be some talk about if she slept with Tom or not and maybe the truth will finally be revealed about this big scandal.
Don't miss new episodes of "Vanderpump Rules" on Monday nights on Bravo. Please like my Facebook to stay up to date on the latest news.
Suggested Links
- 'Vanderpump Rules' reunion to become a reality this season
- Jax Taylor speaks out about relationship with Stassi Schroeder
- Scheana Marie shows off pink underwear for breast cancer support
- 'The Bachelor' 2014 spoilers: Would Juan Pablo Galavis get married on TV?
- 'Major Crimes' season two finale: Find out spoilers and if this show was renewed


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Angie Pegorino
From Grand Theft Wiki
Angie Pegorino was the wife of Pegorino boss Jimmy Pegorino, and lived in Westdyke, Alderney. She was also a friend of Pegorino assicate Phil Bell - although this may have been more than friendship.
In 1999, she was charged with DWI, and in 2003 she was charged with possession of stolen property.
Pegorino was distaseful of her husband's business and those included in it. She was widowed when her husband was killed.


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This was my mother's wedding dress that she only wore once for a couple of hours on her wedding day. She bought it at Nicholas Ungar, which was a high end shop in the '50's & '60's in Portland, Oregon comparable to Nordstrom or Ann Taylor in present day standards. It comes with the original hat/veil in original box.
The dress is off white because this was her second marriage, which lasted the rest of her life. It's said in the family that this dress is good luck.
- Alterations: No alterations have been made to the dress. It is in it's original condition.
- Preservation Method: The dress was kept wrapped in a garment bag inside a cedar closet.
- Terms of Sale: Returns Accepted
- Original Owner:
- Has Original Receipt:
- Location: Portland, OR
- Will Ship to: Anywhere at Seller Expense
- Payment Methods Accepted: Other
Please read our BUYER'S GUIDE before purchasing a dress online.


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Katie Lee Takes Sides in Fried-Chicken Debate
The cookbook author aligns herself with Momofoku.
Katie Lee released her cookbook The Comfort Table: Recipes for Everyday Occasions last night at Hill Country, and the restaurant's new chicken outpost wasn't the only poultry on her mind. "My absolute favorite [recipe] is fried chicken, because that's my favorite thing to eat," she told us. If she's not cooking her own, Lee's favorite fried-chicken joint du jour is Momofuku. "It's just a really different way of eating fried chicken. I prefer their Korean style. I think its triple fried and the sauce is so good." Considering that Ms. Lee won last year's Burger Bash with a patty melt (!), we are not at all surprised that she prefers Korean to Southern-fried chicken.


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- Location:
- Thornbury, Ontario
- Party Albums:
- 1
Moose Themed Baby Shower (11 photos)
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I was so lucky to be able to host a shower for my oldest friend. From the minute she knew she was expecting she called her baby "moose", none of us is really sure why but moose it was. I knew from the first time I heard her affectionally refer to "moose" that an unconventional rustic moose themed baby shower it would be!
I began collecting moose paraphernalia in August for a late November shower not sure how much I would find vs what I would need to DIY. I actually got quite lucky when the Christmas things started showing up in the stores. Check out the amazing moose onesie that I found, it was even in the right colours for the shower!
I created a custom "moose arriving" graphic based on moose crossing highway signs that I used on all of the printed materials.
I used a branch from my yard to create a tree which I hung with felt moose christmas ornaments. I made two kinds of body scrub - lemon salt and brown sugar vanilla (to match the colour scheme of course) - which I packaged in baby food jars with custom moose labels as a thank you for attending token, guests also took moose christmas ornaments from the tree.
While the cake that I had planned didn't materialize as hoped (long story) we still had moose sugar cookies and cupcakes with moose toppers. The rest of the food was fairly traditional shower food including deviled eggs, tea sandwiches and chocolate covered cheesecakes.
Did you know that IKEA makes a moose rocking horse? Neither did I but it made the perfect gift from my son to his new playmate - It also played double duty as decor for the party. I also found a "where is the moose?" t-shirt that my son wore to the party.
Unfortunately I got a little distracted as the party started trying to host, make sure the mom-to-be got everything she needed and chasing my toddler around so I am missing some of the photos that I wish I had - note to self - delegate photography duties!
I used a lovely booked called "M is for Moose" as a guest book having everyone sign the inside for baby Moose. While we no longer refer to the baby as Moose - a beautiful baby girl named Brianna - I hope that this will be a treasured keepsake for both mom and baby.


text:
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I think Armardi might be a one year guy.
Originally Posted by gocubs2118
Yes, Amardi will be a senior next year.
Originally Posted by cyguytillidie
I think Armardi might be a one year guy.
Thanks guys.
Not really seeing a whole lot of action, but I'm guessing that's because Cyclones.TV will be having a special feature about it later on tonight.
"On Cyclones.tv now, our WBB signing day coverage. MBB and VB still to come. Highlights of players who signed, comments from coaches." From JW via Twitter
Now I got something to do tonight, as my hotel doesn't have ESPNU for the VB match (and it looks like it won't be on cyclones.tv because of TV).
Originally Posted by CLONECONES
@RickBrownDMR 37m Ago When Iowa State releases its basketball signees today, Daniel Edozie won't be there. Tyler JC forward signing Saturday.
Did I miss something?
Long Q&A: New Gophers Commit Daniel Edozie Details His Decision to Commit to the U
Originally Posted by Cyclonetrombone
Did I miss something?
Long Q&A: New Gophers Commit Daniel Edozie Details His Decision to Commit to the U
ya he and minnesota "mutually" decided to terminate things.
The Official Paul Rhode's Salt Truck Driver.
Originally Posted by Rabbuk
ya he and minnesota "mutually" decided to terminate things.
And he's signing Saturday, I think.
Originally Posted by Rabbuk
ya he and minnesota "mutually" decided to terminate things.
And that happened sometime between early October and now...yeah I'm confused too but oh well.
Fanatic #25
-Enjoyed the comments by Fred on Morris in CW's article. Seems like Morris, Long, and Thomas fit really well together.
-Hogue will play both forward spots, and is athletic enough to be a shut-down defender in the Big 12. I think he only gets major minutes when the other team's wing does not allow us to go with our young 3 guard line-up.
-Watching the Indian Hill games that are online, Armardi is a smart pick-up for a fall-back guy. Balance the classes and keep a scholarship open for 2014. His one year impact/performance is likely to be about the same as most freshmen big man. He will add some needed length and athleticism in the post to help on defense and rebounding. He also has moments on offense with good touch.
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text:
, Volume 59, Issue 7, pp 465-475
First online:
Gendered Political Behavior: A Darwinian Feminist Approach
- Rebecca J. HannaganAffiliated withDepartment of Political Science, Northern Illinois University Email author
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Darwinian feminists use an evolutionary framework to examine behaviors that promote survival and reproductive success. Subsequent power relations between women and men arise from conflicting reproductive strategies and social scientists ought to reconfigure their understanding of the psychological and behavioral repertoires of women and men based on their dynamic interactions throughout human evolution. This paper is an addition to the feminist literature on women's contribution to evolution through an exploration of autonomy and leadership in egalitarian society and uses a Darwinian feminist approach to understand gendered political behavior.
KeywordsDarwinian feminism Gender Autonomy Leadership Political behavior
Reference tools
- Title
- Gendered Political Behavior: A Darwinian Feminist Approach
- Journal
Sex Roles
Volume 59, Issue 7-8 , pp 465-475
- Cover Date
- 2008-10
- 10.1007/s11199-008-9417-3
- Print ISSN
- 0360-0025
- Online ISSN
- 1573-2762
- Publisher
- Springer US
- Additional Links
- Topics
- Keywords
- Darwinian feminism
- Gender
- Autonomy
- Leadership
- Political behavior
- Industry Sectors
- Authors
- Author Affiliations
- 1. Department of Political Science, Northern Illinois University, 415 Zulauf Hall, DeKalb, IL, 60115, USA


text:
Fact Sheet 24e:
Is Your Financial Information Safe?
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Privacy Rights Clearinghouse
- Introduction
- Companies that must safeguard your financial information.
- What companies must do to protect your financial information.
- Security only goes so far. Are you protected?
- Pretexting.
- What you can do to protect your information.
- References.
It takes more than money to open a bank account, buy a car, or even have someone prepare your tax return. In exchange for these and other financial services, you must hand over a great deal of personal information. To the identity thief, your information is more valuable than your money. When you do business with any company, you have good reason to ask what that company is doing to safeguard your information. Above all, you want to make sure you are not one of the millions who fall victim to identity theft each year.
In this guide we tell you how financial companies must safeguard your personal information, the types of companies that must follow security procedures, and what you can do to protect yourself.
The federal Gramm-Leach-Bliley Act, or GLB, (15 U.S.C.§§ 6801-6810) gives you some minimal rights to protect your financial privacy. For more on GLB and your privacy see PRC Fact Sheet 24: Protecting Financial Privacy: The Burden is on You.
GLB also requires financial institutions to adopt procedures to safeguard your personal information. This is called the Safeguards Rule. Another section of GLB creates civil as well as criminal penalties when someone uses false pretenses to get your personal financial information, called "pretexting".
Privacy and security go hand in hand. You have probably heard these terms used frequently, but are still not clear what they mean. Think of it this way: Privacy is your right to control how your personal information is collected and used. Security is the obligation of the company that collects and uses your information to make sure the information is safe against unauthorized access and uses. As we point out in Fact Sheet 24 on the privacy provisions of GLB, your rights are limited. Unfortunately, the same is true of financial institutions' security obligations under GLB.
2. Companies that Must Safeguard Your Financial Information
Does GLB cover banks?
Yes, and much more. The GLB privacy and security provisions apply to "financial institutions," a term defined in the Bank Holding Company Act of 1956 as an institution that is "significantly engaged in financial activities…." (12 U.S.C. 1843(k)).
Obviously, banks and other companies such as credit unions that are engaged in activities like accepting deposits meet the definition of "financial institution." Other companies covered by the Safeguards Rule include:
- Debt collectors.
- Investment brokers.
- Retailers that extend credit by issuing credit cards to consumers.
- Check cashing businesses.
- Mortgage brokers.
- Non-depository lenders.
- Consumer reporting agencies.
For other companies that come under the jurisdiction of the FTC, see Financial Institutions and Customer Data: Complying with the Safeguards Rule.
Do insurance companies have to safeguard my information?
Yes. Insurance companies are considered "financial institutions" under GLB. Because the insurance industry is primarily regulated by states, GLB privacy regulations regarding notice and opt-out were published by states. Many states followed the model state privacy regulations adopted by the National Association of Insurance Commissioners (NAIC), www.naic.org. Other states adopted their own version of the GLB privacy rules.
The NAIC has also adopted a model rule to carrying out GLB's data safeguarding requirements. To find out whether your state has a GLB security rule for insurance companies, connect with your state insurance commissioner through the NAIC's web site, www.naic.org.
Do I lose security protections when my information is shared?
It depends. The FTC's Safeguards Rule requires financial institutions to take steps to ensure that affiliates and service providers also safeguard customer data. The rule also requires financial institutions that receive customer data from another financial institution to safeguard information. But, the Safeguards Rule does not apply if the recipient of your information is neither a financial institution nor an affiliate or service provider.
Even the security provisions that apply to service providers have their limitations. Your financial institution may, for example, employ another company to send out mail, print account statements, provide accounting services or any number of other functions. The company that provides these services has to comply with the established security procedures.
However, the service provider that works for your company may employ an independent contractor or yet another company to perform some service that involves access to your personal information. In that case, the security requirements do not apply except to the service provider that contracts directly with the company you're doing business with.
Is my information safe when a financial institution sends data offshore?
The practice of outsourcing creates unique risks to data privacy and security. Since the GLB privacy and security provisions took effect, outsourcing has exploded as a public policy issue.
A June 2004 study conducted by the Federal Deposit Insurance Corporation (FDIC) examines the history of outsourcing, also called offshoring, and makes a number of recommendations for improved protection for customer data. Significantly, the study recommends that financial institutions become more involved in third-party contracting arrangements. The study also suggests changes in the law. To learn more, read the FDIC's report Offshore Outsourcing of Data Services by Insured Institutions and Associated Consumer Privacy Risks.
Is GLB the only federal law that covers personal data?
No. The federal Fair Credit Reporting Act (FCRA) governs personal information included in consumer reports. (15 U.S.C. §1681 et seq.) The main "security" feature of the FCRA is that the law limits access to certain "permissible purposes," such as credit, employment, insurance underwriting, and rental history. Many companies covered by the FCRA may also be "financial institutions" under GLB.
As a safeguard against identity theft, the FCRA includes an important section that requires proper disposal of personal data, such as shredding by consumer reporting agencies and those who obtain consumer reports for credit, employment, insurance, rental history, or other "permissible purposes" must discard sensitive data in a structured way.
3. What Companies Must Do to Protect Your Financial Information
Generally, companies are left on their own to develop security programs that are appropriate to their individual size and operations. The federal agencies determined flexibility was necessary because of the many different kinds and sizes of companies that would have to comply.
In the end, security under GLB translates to "guidelines" rather than strict rules for compliance. There are some things a financial institution must do. For example, financial institutions are required to:
- Develop a written security plan.
- Designate responsible employees.
- Assess risks to customer data.
- Test and monitor safeguards.
Other than these requirements, security procedures are generally left up to the financial institution. The FTC identified three areas as important to security: (1) employee management and training; (2) information systems; and (3) managing system failures. The FTC's Safeguards Rule goes on to suggest steps a company might take to secure information.
For more on the FTC's suggested security steps, see Financial Institutions and Customer Data: Complying with the Safeguards Rule.
Does the Safeguard Rule apply only to computer data?
No. The rule applies to all "customer information" "whether in paper, electronic, or other form that is handled or maintained by" a financial institution or its affiliates. (16 CFR 314.2)
Can I get a copy of my financial institution's written security plan?
Very unlikely. Most companies would consider this proprietary or confidential commercial data. Public disclosure of a company's security plan could actually jeopardize data security. Many companies include general statements about security in the annual privacy notice you receive under the privacy provisions of GLB. However, these notices will not give you a detailed description of a company's data security plan.
4. Security Only Goes So Far. Are You Protected?
Does the Safeguards Rule always apply when I supply personal information?
No. The rule only applies to "customers" of a financial institution. You are a "customer" if you have an "ongoing" relationship with the company. Supplying personal information alone is not enough to make you a customer.
For example, you may cash a check or make an ATM withdrawal from a bank where you do not have an account. To complete the transaction, you will probably have to supply your account number, your personal identification number (PIN), and possibly even your drivers' license number or other identifying information.
It makes no difference whether these transactions are a one-time event or you cash your checks at the same place every week. If you do not have an ongoing relationship with the company that cashes your checks – meaning you don't have an established account – you are what GLB calls a "consumer. " But you are not a "customer" whose data is covered by the security requirements.
Am I a "customer" or "consumer" of my former financial institution?
"Once a customer, always a customer" does not apply when it comes to data security. If your account is closed, you no longer have an "ongoing" relationship. This makes you a consumer.
I am a small business owner. Does the security rule apply to my account?
No. GLB applies only to financial products or services obtained for "personal, family, or household use." Commercial uses are not covered, even if you are a sole proprietor where the lines between personal and business data are often blurred.
For more on the distinction between "consumer" and "customer," see the FTC publication, How to Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act.
Pretexting is when someone gains access to your personal information through false pretenses. Another person may want your personal financial information for any number of reasons. Another term for pretexting is "social engineering." Here are just some of the ways your information could be used against you:
- Your bank account could be depleted.
- Your information could be sold to a shady data broker.
- The information could be used by an identity thief.
- The information could be used against you in court or for an investigation.
GLB includes a specific section that prohibits fraudulent access to your financial information. The pretexting section applies if someone calls you and tricks you into giving personal information, or calls someone else such as your bank. It also applies if someone uses a forged or stolen document to get your information. (15 USC, Subchapter II, Sec. 6821-6827)
The law includes civil as well as criminal penalties for one who uses false pretenses to get your personal financial information.
Am I at risk for pretexting?
No one is immune. However, there are certain life situations in which you could be more vulnerable than others to pretexting. Here are just a few questions you can ask to assess your risk level:
- Am I a public figure such as a politician or entertainer?
- Am I a spokesperson for a highly controversial public policy issue?
- Do I have considerable personal wealth?
- Am I engaged in a high-stakes court battle or a nasty divorce where significant sums of money and/or child custody are involved?
- Have I taken a public stand against the government?
- Am I an executive or researcher of a company in a highly competitive environment, one that is involved in developing cutting-edge products or services?
If you've answered "yes" to any of these scenarios, you could be vulnerable to pretexting, where your financial account information is unwittingly made available to a clever imposter.
What can I do to protect myself against pretexting?
The FTC publication Pretexting: Your Personal Information Secure describes pretexting and offers some tips on how to protect yourself. These pointers apply not just to preventing pretexting, but are good practices for your own personal privacy and security efforts as well. See also Part 6 of this guide for additional tips to protect your information.
Following is the FTC's advice:
- Don't give out personal information on the phone, through the mail, or over the Internet unless you've initiated the contact or know whom you're dealing with. Pretexters may pose as representatives of survey firms, banks, Internet service providers, and even government agencies to get you to reveal your SSN, mother's maiden name, financial account numbers, and other identifying information. Legitimate organizations with which you do business already have the information they need and will not ask you for it.
- Be informed. Ask your financial institutions for their policies about sharing your information. Ask them specifically about their policies to prevent pretexting.
- Pay attention to your statement cycles. Follow up with your financial institutions if your statements don't arrive on time.
- Review your statements carefully and promptly. Report any discrepancies to your institution immediately in writing.
- Alert family members to the dangers of pretexting. Explain that only you, or someone you authorize, should provide personal information to others.
- Keep items with personal information in a safe place. Tear or shred your charge receipts, copies of credit applications, insurance forms, bank checks and other financial statements that you're discarding, expired charge cards and credit offers you get in the mail.
- Add passwords to your credit card, bank, and phone accounts. Avoid using easily available information like your mother's maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers.
- Be mindful about where you leave personal information in your home, especially if you have roommates or are having work done in your home by others.
- Find out who has access to your personal information at work and verify that the records are kept in a secure location.
- Order a copy of your credit report from each of the three major credit reporting agencies every year and check it for accuracy. See PRC Fact Sheet 6 for information on ordering your credit report.
Do any other laws protect me against pretexting?
Yes, the FCRA includes a section that covers pretexting when someone uses false pretenses to get information about you from a consumer reporting agency. FCRA §619 makes pretexting a crime and calls for up to two years in prison for anyone convicted.
Another FCRA provision, §620, allows up to two years in prison for any officer or employee of a consumer reporting agency who "knowingly and willfully" provides information from your consumer files to anyone who is not authorized to receive it.
6. What You Can Do to Protect Your Information
Privacy and security of personal data are often beyond your ability to control. You must nearly always give up some bit of personal information to conduct even the most routine financial transaction. Once you provide your data, its security is outside your control. But, there are some steps you can take to optimize the chances your data will be safe.
- Tip 1. Educate yourself. Know what data is required for a certain transaction and set limits accordingly. For example, a check cashing company may ask for your phone number, but you should question the need to supply your Social Security number.
- Tip 2.Recognize your "status" with the financial institution. Are you a "customer" with a continuing relationship, or a "consumer" with no data security protections?
- Tip 3. If you want to optimize your security protections, cash checks or use ATMs with institutions where you are a customer and have an ongoing relationship.
- Tip 4. Ask your financial institution about its data security program. You may not get an in-depth response or a copy of the company's written policy, but you are entitled to assurance that the company takes data security seriously. Security is often discussed on a company's web site along with its privacy policy.
- Tip 5. Keep up with the news. Just because a financial institution has a single publicized instance of a security breach does not mean it's a bad company. An important indicator is what that company does to help its customers after a reported breach. For example, does the company offer to provide free credit monitoring services to limit the threat of identity theft?
- Tip 6. Read privacy notices carefully, and exercise any opportunity to opt-out. This is not only important to protect your privacy, but opting out also gives you a measure of control over the security of your information. As we said before, the Safeguards Rule does not cover recipients of customer information that are not also financial institutions or affiliates or service providers of your financial institution.
- Tip 7. Always keep in mind, there is no blanket protection for either privacy or data security. Guard your personal data like you would your money. Remember, your personal information may be more valuable than your money, especially to an identity thief.
- Tip 8. Never provide personal data in response to an unsolicited e-mail. Many identify thieves are send e-mails that appear to be from a financial institution, such as a bank. The scam is called "phishing." The return e-mail address or linked web site may look like it came from a legitimate company. But keep in mind, legitimate businesses do not ask for personal information via e-mail -- unless you make the first contact. For more on phishing, see PRC Scam Alert: Watch Out for "Phishing" Emails Attempting to Capture Your Personal Information.
- Tip 9. If you think a financial institution has violated GLB privacy or security requirements, complain to the appropriate federal agency or your state insurance commissioner. GLB does not give you the right to sue, although there may be a state law that allows you to personally file a lawsuit. However, the federal agencies are charged with enforcing the GLB provisions, and a main source of the agencies' knowledge about abuses comes from public complaints. If you believe your information has been obtained through false pretenses, you should contact the FTC.
For additional advice on ways to protect your sensitive personal information, read PRC Fact Sheet 17, Coping with Identity Theft: Reducing the Risk of Fraud.
Federal Law
- GLB (Disclosure of Nonpublic Personal Information – Privacy and Security), 15 USC, Subchapter I, Sec. 6801-6809,
- GLB (Fraudulent Access to Financial Information – Pretexting) 15 USC, Subchapter II, Sec. 6821-6827,
- The Fair Credit Reporting Act, as amended by FACTA,
Federal Agencies' Security Rules and Guidelines
- Interagency Guidelines Establishing Standards for Safeguarding Customer Information issued February 1, 2001, jointly by the Office of Comptroller of Currency (OCC), Federal Reserve Board (Board), Office of Thrift Supervision (OTS), and Federal Deposit Insurance Corporation (FDIC), (66 Federal Register 8615),
- National Credit Union Administration (NCUA), Guidelines for Safeguarding Member Information, issued January 30, 2001 (66 Federal Register 8152).
- Securities and Exchange Commission (SEC), Procedures to Safeguard Customer Records and Information, 17 CFR 248.30,
- Commodity Futures Trading Commission (CFTC), Procedures to Safeguard Customer Records and Information, 17 CFR 160.30,
For information about GLB security regulations for insurance companies, link to state insurance commissioners through the web site for the National Association of Insurance Commissioners, www.naic.org.
Federal Agency Consumer Complaints Information
- Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
Telephone: (202) 326-2222
Web: https://www.ftccomplaintassistant.gov/#crnt&panel1-1
- Office of the Comptroller of Currency
U.S. Department of Treasury
Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
Telephone: (800) 613-6743
Web: http://www.helpwithmybank.gov/
- Federal Deposit Insurance Corporation
550 17th Street NW
Washington, DC 20429-9990
Telephone: (202) 736-0000
Web: http://www.fdic.gov/consumers/questions/consumer/complaint.html
- Board of Governors of the Federal Reserve
Division of Consumer and Community Affairs
20th and C Streets, NW, Stop 801
Washington, DC 20551
Telephone: (202) 452-3693
Web: http://www.federalreserveconsumerhelp.gov/complaint/complaintType.cfm
- National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314-3428
Telephone: (703) 518-6300
Web: http://www.mycreditunion.gov/help/Pages/Submit-Your-Complaint.aspx
- Securities and Exchange Commission Complaint Center
450 Fifth Street, NW
Washington, D.C. 20549-0213
Fax complaint to (202) 942-9634.
Web: www.sec.gov/complaint.shtml
- Commodity Futures Trading Commission
Three Lafayette Centre
1155 21st Street, NW
Washington, DC 20581
Telephone: (202) 418-5000
Fax: (202) 418-5521
Web: http://www.cftc.gov/ConsumerProtection/FileaTiporComplaint/index.htm
FTC and Other Government Publications
- Financial Institutions and Customer Data: Complying with the Safeguards Rule,
- Pretexting: Your Personal Information Revealed,
- Information Compromise and the Risk of Identity Theft: Guidance for Your Business,
- FDIC Study, Offshore Outsourcing of Data Services by Insured Institutions and Associated Consumer Privacy Risks,
- Federal Financial Institutions Examination Council (FFIEC) Information Security Handbook,
PRC Publications
- Fact Sheet 24: Protecting Financial Privacy in the New Millennium: The Burden Is on You,
- Fact Sheet 24a: Financial Privacy: How to Read Your "Opt-Out" Notices,
- Fact Sheet 24d: Frequently Asked Questions about Financial Privacy,
- Fact Sheet 17: Coping with Identity Theft: Reducing the Risk of Fraud,
- Fact Sheet 6a: FACTA, the Fair and Accurate Credit Transactions Act: Consumers Win Some, Lose Some,
The Privacy Rights Clearinghouse developed this guide with funding from
the Rose Foundation Consumer Privacy Rights Fund.
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