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According to the Sochi 2014 website, Mike Riddle of Sherwood Park, Alberta has won the silver medal in men's halfpipe skiing at the 2014 Olympic Winter Games in Sochi.
Riddle, who successfully executed the bone and arrow, posted a score of 90.6 points in very snowy weather conditions. David Wise of the United States won the gold medal with 92 points followed by Kevin Rolland of France at 88.6 points.
Riddle entered the competition as a strong medal contender having won the 2013 World Cup standings, third in the 2014 World Cup standings and third in a World Cup test event in Sochi a year ago.
Riddle also continued Canada's excellence in freestyle skiing at the 2014 Olympic Winter Games. Out of Canada's 17 medals to date in Sochi, seven have come in freestyle skiing events.
Team Canada now sits in fifth place in the overall medal count. They have four gold medals, nine silver medals and four bronze medals. Netherlands and the United States have 20 medals each, followed by Russia at 19 medals and Norway at 18 medals.


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Domination. That is the best word to describe the Seattle Seahawks 43-8 victory over the Denver Broncos in last night's Super Bowl.
The Seahawks transcended the game of professional football, and made it look more like a Big Ten team rolling over a cupcake school in early September.
No matter which side you were cheering for last night while watching the Super Bowl let's hope we can agree on two things: First, that while most fans outside of Seattle were pulling for Peyton Manning and the Broncos, the Seattle Seahawks played a stellar game and showed no signs of weakness during last night's Super Bowl deserving the victory. And second, that spring and baseball season are right around the corner which will turn those frowns into smiles in a few short weeks.
Whichever side you are on this morning, the agony of defeat or the thrill of victory, I have two cocktails for either mood:
The long and lonely night
- Carbonated water
- 2 oz Gin
- 1 tblsp Dry Vermouth
- 1/2 tsp Powdered sugar
- 1 Orange spiral
- 1 twist of Lemon peel
Stir powdered sugar and 2 oz. carbonated water in a collins glass. Fill glass with ice, add gin and vermouth, and stir. Fill with carbonated water and stir again. Add the twist of lemon peel and the orange spiral to the rim of glass
We are the champions cooler
- 2 oz White wine
- 2 oz Pineapple juice
- Carbonated water
- 1/2 tsp Powdered sugar
- 1 Orange spiral
- 1 twist of Lemon peel
Put white wine, pineapple juice, powdered sugar, and 2 oz. carbonated water in a collins glass and stir. Add ice cubes, fill with carbonated water, and stir again. Add the lemon peel and the orange spiral so the end dangles over rim of glass.

subset: commoncrawl


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Brian's exclusive forecast for Baltimore, Annapolis, and northern Delmarva:
Today: Sunny, windy, and cold with a high in the mid to upper 30s.
Tonight: Clear and very cold with a low near 15.
Friday: Mostly sunny and very cold with a high in the upper 20s.
Friday Night: Variable cloudiness with a low in the lower 20s.
Saturday: Variable cloudiness with snow showers possible. The high will be in the upper 30s.
The extended forecast calls for a chance of rain, sleet, and/or snow on Sunday with a low in the lower 30s and a high in the upper 30s. A chance of rain changing to sleet or snow on Monday with a low in the lower 30s and a high in the mid 30s. Mostly sunny and cold on Tuesday with a low in the mid 20s and a high in the lower 30s. Mostly sunny and very cold on Wednesday with a low in the mid 10s and a high in the lower 30s.
High pressure and light winds enabled the mercury to dip into the 10s and 20s across Maryland overnight. Sunrise temperatures ranged from the upper 10s to the north & west of Baltimore and Washington to the mid and upper 20s right along the bay shore. High pressure will ensure a sunny, but cold day on the Chesapeake with highs in the mid to upper 30s (about 10 degrees colder than average.) A dry cold front will sweep across the bay this afternoon and usher in a brief surge of arctic air. By Friday morning, temperatures will bottom out in the single digits across northern Maryland to the mid 10s in the Annapolis area. During the day on Friday we can expect highs to only reach the mid 20s, nearly 25 degrees colder than average! The cold snap will be brief with Saturday's highs climbing back into the 30s. An upper-level disturbance is expected to move through the region on Saturday with scattered snow showers. Later in the weekend, two main weather features will set the stage for a nasty winter storm that will impact Maryland on Sunday and Monday. Warm, subtropical air to the south will battle the Polar Vortex to the north. The area of convergence between the warm air to our south and the arctic air to the north will be the track upon which an area of low pressure will develop Sunday into Monday. Areas to the north of the convergence zone will experience a moderate to heavy snow event, with areas to the south receiving a soaking rain. In the middle, a wide range of precipitation types is expected including rain, sleet, snow, and even freezing rain. A significant period of icy conditions can be expected in this zone. At the moment, central Maryland looks to be in the convergence zone with mixed precipitation and potentially icy conditions developing by Sunday night and Monday morning. As the low shifts to the coast, colder air drawn into the system may change all precipitation to snow from Annapolis to the north and west. An accumulation of snow is certainly possible, but not guaranteed, by Monday evening in central Maryland. This complex weather system will need to be monitored, for a shift of twenty or thirty miles will have a significant impact on our local weather. The temperature gradient on either side of the convergence zone will be stark with sub-freezing temperatures and snow only one hundred miles from temperatures in the 40s and 50s with rain.
On the Maryland portion of Chesapeake Bay, a Gale Warning is in effect until 6 p.m. this evening. A Small Craft Advisory is in effect from 6 p.m. this evening through Friday morning. Winds today will come out of the southwest at 10 to 20 knots with gusts over 30 knots, becoming west at 10 to 20 knots with gusts over 30 knots and waves from 1 to 4 feet. Winds tonight will come out of the northwest at 10 to 20 knots with gusts over 30 knots, diminishing to 20 knots after midnight. Waves will be from 1 to 5 feet, subsiding to 1 to 3 feet late. Winds on Friday will come out of the north at 10 to 20 knots, shifting to the northeast at 10 knots during the afternoon. Marine information is provided as general guidance. Boaters should always stay tuned to the latest forecasts and advisories from the National Weather Service.
The average high temperature for February 27 is 48 degrees and the average low is 29 degrees. The records at Baltimore on this date are 76 degrees in 1997, and 20 degrees in 1934. Today's sunrise will occur at 6:42 and the sunset will occur at 5:57. Weather data courtesy of the National Weather Service. For more weather updates, please visit my Chesapeake Bay Weather page on Facebook, and if you're heading to Ocean City feel free to check out my Ocean City MD Weather page on Facebook. You can also follow me on Twitter @chesbayweather.


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Feb. 10, 2013
EDWARDSVILLE, Ill. - The Northern Illinois women's tennis team continued its excellent start to their 2013 spring season with a 7-0 victory over Southern Illinois-Edwardsville Sunday in Edwardsville, Illinois.
The Huskies earned their fifth win in six matches this spring, while the Cougars fell to 2-3.
The Huskies won two of three doubles matches to take the doubles point with the No. 1 duo of Nelle Youel and Arantza De La Torre keeping their perfect spring record intact with an 8-3 win over Lindsey Raymond and Kali Donner. NIU's team of Haley Dekkinga and Stephanie McDonald recorded an 8-6 win at No. 3 doubles to give Northern Illinois the point.
Spurred on by the win in doubles, Northern Illinois swept through the Cougars' singles line-up. Youel and Dekkinga scored dominating victories at No. 1 and No. 2 singles, respectively. Mary Malkin's win at No. 4 singles was equally as impressive as she took out Amanda Miller, 6-1, 6-1.
Youel improved her singles record to 6-0 with her win to go along with her unblemished mark in doubles.
"This was a very solid performance," said NIU Head Coach Ryun Ferrell after the win. "SIUE came out very strong in the doubles. We needed discipline to be successful and that is what this team showed today. We are young but we are beginning to figure it out."
Northern Illinois continues its five-match road swing next weekend in Indianapolis when the Huskies will take on IUPUI (Friday), Indianapolis (Saturday) and Butler (Sunday).
Northern Illinois 7, Southern Illinois-Edwardsville 0
Edwardsville, Illinois
Sunday, Feb. 10, 2013
No. 1 Nelle Youel (NIU) def. Monique Krutak (SIUE) - 6-2, 6-1
No. 2 Haley Dekkinga (NIU) def. Kali Donner (SIUE) - 6-1, 6-0
No. 3 Arantza De La Torre (NIU) def. Haley Ilcewicz (SIUE) - 4-6, 6-4 (10-5)
No. 4 Mary Malkin (NIU) def. Amanda Miller (SIUE) - 6-1, 6-1
No. 5 Cristina Alvarez (NIU) def. Sierra Halverson (SIUE) - 6-3, 7-6
No. 6 Stephanie McDonald (NIU) def. McKenzie Thomas (SIUE) - 8-7 (2)
Twitter: @NIUAthletics
Facebook: NIU Huskies


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- Business News
- Trading And Investing
- sectors
- special features
- MV Education center
- Video
- t3 live subscriptions
While some applaud EA for standing up for diversity, others wonder if this distracts from EA's real problems.
Is Jesus a "free marketer" who's against the Occupy Movement? Tony Perkins and the Archbishop of Cantebury have divergent views.


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7:00 pm
Joanne Weir's Cooking Confidence "Crowd Pleasers" Joanne creates a meal fit for guests, starting with a Crostini with Sheep's Milk Ricotta, Asparagus and Mint that looks as great as it tastes. She teaches her student, Jack, the key to making light and flavorful meatballs perfect for Rigatoni in a Smoky Tomato Sauce, and they toast the meal with a grown up Big Girl Lime Milk Shake. Recipes: Crostini with Sheep's Milk Ricotta, Asparagus and Mint, Rigatoni with Ricotta Meatballs in a Smoky Tomato Sauce, Big Girl Lime Milk Shake. D
7:30 pm
Martha Bakes "Cheesecake" Is there anything more indulgent than rich, creamy cheesecake? In this episode, Martha creates a feast of cheesecakes in a range of sizes and flavors, including an Italian ricotta cheesecake and individual cherry cheesecakes, and teaches viewers how to achieve perfect results every time. D
8:00 pm
This Old House "Essex 2012/13, Design for Everyone" Richard and son Ross Trethewey recap the geothermal system's installation with Norm. Tile installers Mark and Erik Ferrante lay reclaimed marble tile in the foyer and designer Keith Musinski's custom-ordered hand-painted border tile in the kitchen. Kevin learns about universal design touring the Seattle home of architect Emory Baldwin. D
8:30 pm
Rick Steves' Europe "Burgundy: Profound France" Rick takes time to enjoy the region's edible, drinkable, scenic and floatable delights. He travels on a canal barge, visits a medieval hospice and a modern monastery, builds a barrel, appreciates fine Burgundy wine, slurps escargot and eats well.G
9:00 pm
Travelscope "Taiwan - Forgotten People" Only 2% of the Taiwan population belongs to an ethnic minority group. Of the 14 aboriginal groups that exist on Taiwan the Tao people live on Orchid Island while the Ami people were the original inhabitants of Green Island. Joseph travels to Green Island to enjoy its natural pleasures such as one of the world's only ocean hot baths and rides on a moped through the island's dramatic volcanic landscape. D
9:30 pm
Lidia's Italy In America "St. Louis's Little Italy" Everyone loves a warm plate of Spaghetti & Meatballs, and today Lidia teaches the viewer how to take that classic and make it the way she loves to eat it. She also adds a Sicilian specialty - arancini - or Rice Balls to the menu. D
10:00 pm
Cook's Country from America's Test Kitchen "Breakfast Breads" NULL
10:30 pm
Simply Ming "Bryan Caswell & Filleting Fish" NULL
11:00 pm
Primal Grill with Steven Raichlen "Fired Up, Down Under" Ozzies (Australians) and Kiwis (New Zealanders) may live half a world away, but they're every bit as grilling-obsessed as we North Americans are. Case in point: an Australian favorite, the proverbial "shrimp on the barbie," grilled here with basil and prosciutto and flambeed with Pernod. Or apostles on horseback-New Zealand sea scallops marinated in wine and grilled with smoky bacon. D
11:30 pm
Rick Steves' Europe "Burgundy: Profound France" Rick takes time to enjoy the region's edible, drinkable, scenic and floatable delights. He travels on a canal barge, visits a medieval hospice and a modern monastery, builds a barrel, appreciates fine Burgundy wine, slurps escargot and eats well.G


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A woman goes one on one with her evil mirror self in veteran animator Yoshimichi Tamura's personal project Réflexion.
MarBelle has a strange compulsion to watch as many films as he can get his hands on and find jobs that give him a legitimate excuse to drill filmmakers about their work. Directors Notes is the latest incarnation of this disorder and so much cheaper than film school. Twitter: @MarBelle


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FoalGro foal milk replacer
FoalGro foal milk replacer is now available in 1.25 kg containers, 5 kg & 10 kg pails and 20 kg bags.
The Need
In an ideal world, all foals would be born healthy, vigorous and able to feed well. Unfortunately, at birth the newborn foal can be compromised, debilitated and in a weakened state.
This may be because:
- The foal is weak and unable to nurse.
- The foal has been orphaned for some reason.
- The mare does not produce sufficient milk.
To order Grober FoalGro Foal Milk Replacer, for pricing or for availability in your area:
Call Toll Free: 1 800 265 7863
Ext. 210 to order
Ext. 219 for information
Request product info and Pricing
- Grober Nutrition has been manufacturing milk replacers for 30 years and is the major manufacturer of Foal milk replacer in Canada.
- We only use edible grade raw materials in everything we manufacture at Grober Nutrition.
- Grober Nutrition is HACCP Certified by SGS Canada under the ANAC Feed Safety Program.


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"I've been a podcast listener for over two years. It's really been a blessing and helped me grow from a cafeteria Catholic to a real one."
~ Lino, Zapopan, Mexico
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"The longer it lasts the better it will be."
~ Theo Venard, Blessed, missionary priest, martyr in China; to his executioner, who had just asked Venard what he would give to be killed quickly because the executioner coveted Venard's clothing. Fr. Venard was beheaded.


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YOU ARE HERE >> Locations > Colorado > North Colorado Medical Center > Programs & Services > Women's Services > Spirit of Women > Spirit Membership
Sign Up Today and 'Catch the Spirit!'
Join thousands of women in our community committed to leading healthier, happier, more active lives. As the only Spirit of Women hospital in Northern Colorado, North Colorado Medical Center welcomes you to the rewards of being a woman … the Spirit of Women Membership Program!
The Spirit of Women Membership Program offers exclusive benefits for members:
- Members receive a Spirit of Women key tag…a passport to special events, exclusive discounts and important health information. The key tag identifies members, entitles them to attendance, information and Spirit Business Discounts throughout Greeley and the surrounding communities.
- Quarterly, members receive the Spirit magazine and the Membership Newsletter - both showcase local and national benefits and promotions exclusively for members.
- A dedicated Spirit of Women phone number is also available at (970) 810-3000.
- Lifetime Membership is $20. We are pleased to offer complementary memberships to NCMC employees (or spouses) and women 65 and older.
- Get more information in our Spirit of Women Brochure.
How to join:
- Credit Card Payment: Call (970) 810-3000 and register with a member of the Spirit of Women staff. Once registered, your key tag and membership packet will be mailed to your home.
- Cash or Check:
- Please download and print the
Spirit of Women Membership Brochure
- Complete all information
- Mail application and payment to:
North Colorado Medical Center
Attn: Kris Howard, MFBC
1801 16th St.
Greeley, CO 80631
After processing, your key tag and membership packet will be mailed to your home.
- Please download and print the
Join women who are taking action to make positive changes in their health and lives!
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REVIEW: 'Parental Guidance'
2 stars
Billy Crystal stars in this comedy about a grandfather forced to mind his three grandkids for an entire week. Also stars Marisa Tomei, Tom Everett Scott and Hollywood dame Bette Midler. Now playing nationwide.
In his first top-billed role since 2002's Analyze That, Billy Crystal leads a film that parallels his recent Oscar-hosting performance in terms of cautiously inoffensive humour. To my delight, his comedic charisma is still intact after a decade's absence, and his pairing with Bette Midler is an inspired one. Unfortunately, the script works against them more than it does with them.
Crystal and Midler play a pair of second-favourite grandparents, tasked with looking after three grandkids exposed to a super-liberal upbringing. The oldies struggle to adapt to this 'updated' form of parenting, confusing Chinese food with 'Pan Asian', using politically correct 'acceptance terms' in place of 'don't', and suffering the consequences of feeding sugar-deprived kids ice-cream cake.
The film's at its most amusing when it highlights these pros and cons of both generations' styles of parenting, which makes it even more frustrating when it drifts away to worn-out gags. For every pleasantly droll observation on parenting tactics it offers, the film returns three scenes of embarrassing lameness equal to your dad doing Gangnam style. I can appreciate a good baseball-bat-to-the-groin joke, but it's hard to credit the comedic value of a child urinating on live television or singing about doodies in a public bathroom.
With an underdeveloped resolution that ties everything up all too neatly, Parental Guidance is family fluff at its fluffiest. It may work for some, but you'll find smarter and more ambitious humour in a single episode of Modern Family.


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The Slender Fit U ®
medically monitored hCG weight loss program turns your own body into a fat burning machine. By using a tiny dose of hCG and following a very low calorie diet...
Our Blog with news on the hCG dietFind out the lastest news and information in our new Slender Fit U ® blog! Find health tips, advice, recipes and the latest news on the hCG diet. Subscribe to our RSS feed for instant updates and leave us a comment!
hCG Diet Explained (video)
Learn more about how the Slender Fit U ® medically monitored
hCG program works.This program has been used for 60 years for weight loss. Watch this video.
Dr Simeons a new approach to obesity
Did you know in 1953 the late Dr A. T. W. Simeons, a British endocrinologist discovered a correlation between hCG and weight loss?
Read more about him here.


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IMF Executive Board Concludes 2010 Article IV Consultation with SpainPublic Information Notice (PIN) No. 10/106
July 30, 2010
Public Information Notices (PINs) form part of the IMF's efforts to promote transparency of the IMF's views and analysis of economic developments and policies. With the consent of the country (or countries) concerned, PINs are issued after Executive Board discussions of Article IV consultations with member countries, of its surveillance of developments at the regional level, of post-program monitoring, and of ex post assessments of member countries with longer-term program engagements. PINs are also issued after Executive Board discussions of general policy matters, unless otherwise decided by the Executive Board in a particular case. The staff report (use the free Adobe Acrobat Reader to view this pdf file) for the 2010 Article IV Consultation with Spain is also available.
On July 14, 2010, the Executive Board of the International Monetary Fund (IMF) concluded the Article IV consultation with Spain.1
After 15 years of strong growth led by a housing boom, the Spanish economy has entered a sharp downturn in the wake of the global financial crisis since mid-2007. Output fell sharply, driven by sharp declines in investment, exports, and private consumption, while weaker imports and rising government demand provided some offset. Imbalances accumulated during the long boom have begun to unwind, with the current account deficit halving as private savings surged and housing investment fell. Competitiveness has begun to improve as productivity rose and the core inflation differential with the euro area turned negative. However, the crisis has taken a heavy toll on the labor market, with the unemployment soaring to 20 percent, reflecting wage and working hour rigidities, the large share of temporary workers and the real estate bust. A labor market reform was adopted in June 2010.
The general government deficit swung from a surplus of 2 percent of GDP in 2007 to a deficit of 11.2 percent of GDP in 2009, due to the large stimulus and evaporating cyclical and one-off revenues. The debt ratio increased significantly – though from a low level. Fiscal consolidation is underway, including with a range of measures taken in
2010, aimed at achieving the government's deficit target of 3 percent of GDP by 2013 (which has also been agreed with sub-national governments).
Spanish banks overall report robust capital and provision buffers, supported by a strong supervisory framework. However, risks remain substantial and unevenly distributed across institutions. The authorities have put in place a range of measures to support banks, including the Fund for Orderly Bank Restructuring (Fondo de Reestructuración Ordenada Bancaria—FROB) that supports the consolidation and recapitalization of the sector by providing temporary capital assistance to merging credit institutions. The process of consolidating savings banks has accelerated – as of end-June 2010, 12 merger/integrations were underway, comprising 92 percent of the assets of the savings bank sector. Governor Ordóñez also announced in mid-June the Bank of Spain's intention to publish bank-by-bank results of stress tests. A decree reforming the regulatory framework of savings banks was approved by the government on July 9, 2010.
Executive Board Assessment
Executive Directors noted that the necessary adjustment of the economy is underway as imbalances accumulated during the long boom years have begun to unwind, and that output has stabilized. The growth outlook, however, remains uncertain owing to unstable financial market conditions and weak domestic demand.
Directors welcomed the authorities' decisive policy response to the financial market turbulence and recent reform measures to secure market confidence and foster the smooth rebalancing of the economy. They noted that the Spanish authorities have undertaken significant corrective measures since the staff report was issued. They stressed that continued action will be needed on several policy fronts, including: (i) moving ahead with fiscal consolidation and pension reform, to put public finances on a sustainable footing; (ii) strengthening the recent labor market reform, to promote employment and its reallocation across sectors; and (iii) and following through on banking sector reform, to cement the soundness and efficiency of the system. Directors emphasized that these actions will help to contain the heightened risks faced by Spain, and to avoid the heavy costs for Spain and other countries should these risks materialize. Directors agreed that the successful implementation of such a far-reaching reform strategy will require broad political and social support.
Directors endorsed the ambitious fiscal consolidation underway. They welcomed the wide range of concrete and bold measures adopted and considered the envisaged deficit path to be appropriately front-loaded. Directors stressed that, owing to the considerable uncertainty associated with the macroeconomic projections, additional measures should be prepared if needed to make attaining the targets more credible. Directors underscored the need for a bold pension reform to complement fiscal consolidation and recommended strengthening compliance mechanisms.
Directors welcomed the recent labor market reform and encouraged further efforts to make the labor market more flexible and competitive. They broadly agreed that severance payments should be reduced to at least EU average levels and that this should be complemented by further clarifying the conditions for fair dismissals, decentralizing the wage setting process, and eliminating wage indexation.
Directors noted that the banking sector remains sound, but faces elevated and unevenly distributed risks. They welcomed recent consolidation of savings banks and the reform of their regulatory regime. They also welcomed the authorities' announcement of their intention to publish bank-by-bank stress tests results, noting that it will be important for these tests to be based on realistic assumptions and accompanied by a clear strategy for addressing capital shortfalls faced by any institutions.
Directors commended the considerable progress achieved in recent years on product and service market reform. They agreed that, going forward, the main priorities should be to further reduce restrictions on retail trade, professional services, and the rental market.


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Welcome to the Florida Board of Pharmacy Help Center – a online tool for applicants, licensees, and the public to search and access our Frequently Asked Questions (FAQs), contact our office, and learn "how to" do business with the board.
Frequently Asked Questions (FAQs)
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Customer Contact Center
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APPLICATIONS and FEES ONLY:
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Tallahassee, FL 32314-6330
Customer Satisfaction Survey
How is our customer service? Tell us how we are doing. Please complete our customer satisfaction survey.
Under Florida law, e-mail addresses are public records. If you do not want your e-mail address released in response to a public records request, do not send electronic mail to this entity. Instead, contact this office by phone or in writing.


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Coach Sparano spent the first evening team meeting of the '08 season reflecting on the past for the Dolphins.
He showed a hilight video of great moments in Dolphins history.
No word on whether that video ended in 1995, just after Shula retired. (I did say "great moments" after all, no coach since the Don has produced, ummm, any)
Home » Unlabelled » Embracing the past
Sunday, July 27, 2008
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Skydiving.com now has a network skydiving location serving Powers Lake and Burke County in North Dakota. Call Skydiving.com at 1-800-617-7948 for details, free information and specials on skydiving in Powers Lake, ND today!
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Search Results for: Marketplace Fairness Act
July 17, 2013
The State of the Marketplace Fairness Act
In May, the Senate passed the Marketplace Fairness Act with a vote of 69-27 and clear bipartisan support. The bill is still under review by the House Judiciary Committee where more detailed research into the impact of the bill on …More...
May 25, 2016
Best Practices of a Winning Customer Experience
Customer service in retail has been elevated to the ideal of creating a positive customer experience every time. While the term "service" implies helping a customer with a particular need at a particular time, "experience" covers multiple customer touchpoints, whether …More...
June 21, 2013
Retailers Open Up About the Marketplace Fairness Act
What impact will the pending Marketplace Fairness Act have on direct-to-customer merchants?
Though the U.S. Senate approved the Marketplace Fairness Act in April, no two IRCE 2013 attendees interviewed by Multichannel Merchant seemed to have the same opinion about the …More...
June 18, 2013
5 Misconceptions About the Marketplace Fairness Act
While many businesses small and large are talking about and worrying about the Marketplace Fairness Act (MFA), what do you really know about it? According to recent blog post in the Huffington Post, here are five misconceptions small businesses need …More...
December 10, 2015
Retailers Urge Congress to Reject Customs Bill If Without Online Sales Tax
The National Retail Federation today called on Congress to reject a customs reauthorization bill set for a vote this week unless it includes a provision allowing states to require online merchants to collect sales tax the same as local stores.
June 11, 2013
Nathan Focht and Blake Ellis on Marketplace Fairness Act
How would the Marketplace Fairness Act affect small- to medium-size ecommerce merchants? In this video taken June 4, 2013 at IRCE 2013, CommerceV3 founding partners say it will be a burden to those merchants.
And it's not that their ecommerce clients do not …More...
June 11, 2013
What the Marketplace Fairness Act Means for You
The days of tax-free online shopping in the States could finally be numbered.
By now, you have probably already heard all about the Marketplace Fairness Act (MFA), also known as the "Internet Sales Tax." It's a new legislation that …More...
May 8, 2013
Catalogers Weigh in on Marketplace Fairness Act
A group of catalogers and suppliers met with Congressional staff on Capitol Hill on Tuesday to discuss their concerns with the Marketplace Fairness Act which passed in the Senate on May 6.
The bill is now headed to the House of …More...
May 7, 2013
Senate's Marketplace Fairness Act Debated on Twitter
Less than 24-hours after the Senate passed the Marketplace Fairness Act, users across Twitter took to the social media site to express their frustration on how the tax, if passed by the House of Representatives, will impact their lives as …More...
In Ecommerce, Must Reads
May 3, 2013
Online Sellers Need to Stay Alert to Potential Tax Compliance Requirements Under Proposed Marketplace Fairness Act
Online Sellers Need to Stay Alert to Potential Tax Compliance Requirements Under Proposed Marketplace Fairness Act (via PR Newswire)
KPMG's Harley Duncan Available for Comment NEW YORK, May 3, 2013 /PRNewswire/ – With the U.S. Senate poised to vote on legislation …
In PR Newswire


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|"An Iraqi between posters of prominent Shiite cleric Sheik Muqtada al-Sadr and Imam Ali, first Imam and cousin of prophet Muhammed during Friday prayers in the largest Shiite enclave in Baghdad." (AP photo/Samir Mizban)
Adam Becker, assistant professor in religious studies at New York University:
This is a great shot. The picture of Ali [right] is the standard one going back to the 19th century. At some point cheesy Christian art had a major influence on Iranian religious art. Ali was the son-in-law of Muhammad and the rightful leader of the Muslim community (the fourth caliph). Since Shia believe that leadership went through the family line, his successor was his son (the prophet's grandson) Hussein, who was killed by the Umayyad king (the whole taziyehhttp://www.ifvc.com/tazieh-short-synopsis.htm cycle is based on this event). The Shia are the Shiat Ali — the party of Ali. The use of images like these is striking when compared to standard Sunni practice, which would consider this idolatry (this, along with the focus on the suffering of the righteous as well as the strong Shiite philosophical tradition, explains the common analogy made between Catholicism and Shi'ism and Protestantism and Sunnism).
Al-Sadr [left] is the son of the previous al-Sadr, who was assasinated by Saddam's regime in 1999. http://www.usatoday.com/news/world/iraq/2003-04-22-shiite-who_x.htm He is the Shiite leader in Baghdad. Saddam City, the Shiite ghetto of Baghdad, was renamed Sadr City, in honor of this Sadr's father. He took over his father's role but is young and firey. To the chagrin of the occupation government, he has made numerous statements against the U.S. He also has, like many Shiite clergyman in Iraq, connections with Iran.
View the complete Revealing Photos Archives.


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Emily Dickinson's "Because I could not stop for Death" is a remarkable masterpiece that
exercises thought between the known and the unknown. Critics call Emily Dickinson's
poem a masterpiece with strange "haunting power." In Dickinson's poem, "Because I
could not stop for Death," there is much impression in the tone, in symbols, and in the
use of imagery that exudes creativity.
One might undoubtedly agree to an eerie, haunting, if not frightening, tone in
Dickinson's poem. Dickinson uses controlling adjectives-"slowly" and "passed"-to
create a tone that seems rather placid. For example, "We slowly drove-He knew no
haste / ...We passed the School ... / We passed the Setting Sun-," sets a slow, quiet,
calm, and dreamy atmosphere (5, 9, 11, 12). "One thing that impresses us," one author
wrote, "is the remarkable placidity, or composure, of its tone" (Greenberg 128). The tone
in Dickinson's poem will put its readers' ideas on a unifying track heading towards a
Dickinson's masterpiece lives on complex ideas that are evoked through symbols, which
carry her readers through her poem. Besides the literal significance of -the "School,"
"Gazing Grain," "Setting Sun," and the "Ring"-much is gathered to complete the poem's
central idea. Emily brought to light the mysteriousness of life's cycle. Ungraspable to
many, the cycle of one's life, as symbolized by Dickinson, has three stages and then a
final stage of eternity. These three stages are recognized by Mary N. Shaw as follows:
"School, where children strove"(9) may represent childhood; "Fields of Gazing
Grain"(11), maturity; and "Setting Sun" (12) old age" (21). In addition to these three
stages, the final stage of eternity was symbolized in the last two lines of the poem, the
"Horses Heads" (23), leading "towards Eternity" (24). Dickinson fathomed the
incomprehensible progression of life by unraveling its complexity with figurati...
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text:
Royal Canadian Mint "Batman v Superman" Coin Collection
Own your one-of-a-kind Batman v Superman Movie Coins Memorabilia from Mint.ca! Limited mintage. Shop now!
The Big Blue Report is the Superman Homepage Newsletter sent out twice a month. It contains exclusive content not seen on the website. Subscribe now!
Cover date: Late January 2009
"Maelstrom" - Part 2
Writer: Jimmy Palmiotti and Justin Gray
Penciller: Phil Noto
Inker: Phil Noto
Reviewed by: Michael Bailey
Story - 3: How can a story do just as much right as it does wrong?
As with the last issue I approached this book with a certain amount of trepidation. Two weeks ago I was pretty sure that hatred and bile were going to spew from my fingertips and that I was going to hate the first issue. I didn't. I actually ended up liking it, which made me even more nervous about the second issue because the chance for disappointment was even greater.
In the final analysis I have to admit that I was both impressed and let down, which made for a kind of depressing reading experience.
So on one hand this issue was very character driven and mainly centered on Clark and Kara just talking about...everything; her issues, why he is such a country bumpkin sometimes, Batman. A lot of ground is covered and I thoroughly enjoyed most of those scenes. It was compelling and made me feel something for Kara and her plight.
On the other hand there were times when all of that ground that was gained got lost when she decided to act like a petulant child. Now you could argue that this is how a teenage girl would act. One minute they seem like they have everything together and the next they're having a huge meltdown while in line to see TWILIGHT because their BFF didn't call them like she promised. My problem with that argument, sound though it may be, is the fact that at the end of the day this is all we have seen of Kara, though that did change significantly last month. While I applaud the various writers who have handled Kara since her return and their attempt to set her far apart from the original Kara Zor-El I think that this type of writing takes it too far and is a bit frustrating because of that.
The Maelstrom end of the story didn't do all that much for me this time out. She's fighting in an arena, she's still trying to gain Great Darkseid's attention and she still hasn't really accomplished all that much. I have the feeling that once Maelstrom faces Superman and Supergirl again her arc will pick up but I am wondering if I'll care by then.
This issue was a definite three. When it was on it was on. When it wasn't the story held no interest for me. I'm still up and down about my feelings towards the next issue, but in all honesty with the way this issue went I am thinking that things can only get worse from here.
I hope I'm wrong.
Art - 4: My feelings about the art haven't really changed all that much from last issue. It's good, it's not my cup of tea and I think Superman looks too old. Other than that Noto has a good handle on the action but it is the quieter moments where he really shines.
Good stuff. Wish I liked it more.
Cover Art - 4: This is not a bad cover. It really isn't. The art is good. Superman still looks a bit off but I am getting to be something of a broken record on that score. The thing is there is something about the fact that Supergirl is tying back her hair that bugs me and I can't put my finger on why. I mean it's an interesting composition and it makes her seem distracted, which makes the fact that they are being watched all the more humorous. The thing is that it makes her seem...I don't know. Flighty? The biggest concern fans have had with this Supergirl is that she seems to be kind of vapid until very recently, so to show her being more concerned about her hair plays into that. On the other hand maybe she just needed to put her hair up and this was just a very natural shot of her doing so.
In either case it was a good cover that left me with mixed feelings.
January 2009
Check out the Comic Index Lists for the complete list of Superman-related comics published in 2009.


text:
Jada Pinkett Smith Talks Career, Quells Rumors
In a career that spans almost 20 years, Jada Pinkett Smith has built a portfolio as an actress, singer, songwriter, and director.
She adds another credit as executive producer of the upcoming medical drama Hawthorne on TNT; she also plays the lead role.
Pinkett Smith talks with Tony Cox about the new show and shares insights about the need for greater diversity in Hollywood.
She also addresses rumors about her marriage to actor Will Smith and allegations that a school she co-founded with her husband has ties to Scientology.
"It's either, you trust me or you don't," she says. "That's really the bottom line."
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text:
This is a custom-made dress that I designed and my mother-in-law made. I am not selling this original dress, but looking to make another exactly to your measurements! The lace is directly imported from the looms in France. It is an ecru alencon lace with regular hand-stitched cording. The dress is literally hand made and fits like a dream. Beneath the lace is a cream taffeta silk with a pale blush pink silk lining. The train is a custom cathedral length and the shape of the dress is a relaxed mermaid. The softened sweetheart neckline is adorned with a lace bateau neckline, making this dress ultra chic and feminine. The back is a deep V, and can be customized to be as opened or closed as wanted.
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text:
Judge Nugent
10-05172 First Bank Kansas, Salina, Kansas v. Christensen (Doc. # 33)
- Details
- Category: Judge Nugent
- Published: 15 September 2011
- Written by Judge Nugent
First Bank Kansas, Salina, Kansas v. Christensen, 10-05172 (Doc. # 33)
Click here for the pdf document.
SIGNED this 30 day of August, 2011.
KEVIN ANDREW CHRISTENSEN, ) Case No. 10-11853
MANDY SUE CHRISTENSEN, ) Chapter 7
Debtors. )
Plaintiff, )
) Adversary No. 10-5172
Defendant. )
First Bank Kansas ("FBK" or "Bank") claims that its customer, High Class Homes, Inc.
("HCH"), acting through its president, the debtor Kevin Christensen, made false representations in
Case 10-05172 Doc# 33 Filed 08/30/11 Page 1 of 14
support of applications for construction loan draws and that Christensen's guaranty debt should be
excepted from his discharge under 11 U.S.C. § 523(a)(2)(A). Christensen denies that he made false
statements to the Bank and further denies that the Bank has suffered any harm as a result of his
statements because all of the funds HCH borrowed were either expended on building projects in
which the Bank claimed a lien or applied to HCH's overhead expenses. In addition, Christensen
argues that the Bank's course of conduct makes it clear that it did not "justifiably rely" on his draw
requests. The parties tried this proceeding to the Court on July 20, 2011.1
This exception to discharge proceeding is a core proceeding under 28 U.S.C. § 157(b)(2)(I)
of which the Court has subject matter jurisdiction pursuant to 28 U.S.C. §§ 1334 and 157(b)(1).
Kevin Christensen began his home-building career in Salina after briefly attending college
and working for his father in the tire business. He and his company first borrowed money from the
Bank in 2004 and, since that time, the company has taken out 47 construction loans. The first 46
ended successfully with the Bank being paid in full. The Bank made the 47th and final loan to HCH
in 2009 to fund a home project at 2120 Columbine Terrace ("Columbine") and that loan is the basis
for the Bank's cause of action. Christensen always dealt with Melissa Bixby, a vice president and
loan officer at the Bank. She worked with Christensen on new home construction loans, loans to
fund acquisition of vacant lots for building, equipment loans, and direct loans to Christensen for his
personal use. When Christensen filed his bankruptcy case on May 28, 2010, he and HCH owed the
1 First Bank Kansas appeared by its attorney Terry Criss. Debtor Kevin Christensen
appeared by his attorney David Eron.
Case 10-05172 Doc# 33 Filed 08/30/11 Page 2 of 14
Bank $102,125.39 according to a journal entry of default judgment entered February 2, 2010 in
Saline County District Court. The journal entry also included a finding that HCH and Christensen
had incurred $46,320 of that amount by fraud.2 The Bank attached a copy of the partial journal entry
to its proof of claim. The journal entry does not include a foreclosure decree concerning any real
estate, but does foreclose personal property security interests in some of HCH's property, including
a skid steer and three trailers.
HCH and Christensen's construction lending relationship with the Bank involved HCH
taking loans to purchase building lots, then consolidating the lot loan into a larger construction loan
to fund 80 percent of the construction costs. As HCH required funds, it would issue a draw request
supported with invoices for labor and materials. In general, each project had a separate construction
loan and HCH often had several projects in progress at a time, until the housing market weakened
and the Bank cut HCH off, leaving only the Columbine project to complete.
Each loan consisted of a six-month short term promissory note and the Bank's mortgage on
the corresponding real property. Christensen signed an unconditional continuing personal guaranty
2 The partial default judgment was not introduced into evidence at trial but is attached to
the Bank's proof of claim 20 filed February 2, 2011. The Bank did not preserve the preclusive
effect of the pre-petition state court default judgment as an issue in the final pretrial order.
Bank's counsel referred to the default judgment in his opening statement but stated that because
the judgment was entered on default the Bank was not contending that it should be given
preclusive effect on its § 523(a)(2) claim under the doctrine of res judicata. The Bank has
waived or abandoned the offensive use of res judicata on the fraud issues before it today and this
order therefore does not apply res judicata in this case even though both federal and Kansas law
suggest that the doctrine might apply. See Grogan v. Garner, 498 U.S. 279, 284 n. 11, 111 S.Ct.
654, 112 L.Ed. 2d 755 (1991) (prior fraud judgment would be given preclusive effect in §
523(a)(2) proceeding); Banister v. Carnes, 9 Kan. App. 2d 133, 675 P.2d 906 (1983) (giving res
judicata effect to a default judgment); Miller v. Miller, 107 Kan. 505, 192 P. 747 (1920)
(judgment by default is as conclusive against defendant as if he had personally appeared and
contested the plaintiff's right to recover).
Case 10-05172 Doc# 33 Filed 08/30/11 Page 3 of 14
of HCH's debt. The note form used on the Columbine loan was generic and in no way specific to
construction financing. In particular, it contained no special terms governing the construction draw
process. Likewise, the Columbine mortgages were on standard commercial real estate mortgages
forms. The mortgages provided that the real estate they encumbered secured not only the specific
construction loan, but also any other loans HCH has at the Bank. There was no separate loan
agreement or other writing that outlined the parties' rights and obligations or detailed the process
for requesting and obtaining construction draws. The Bank supplied Christensen with a draw
request form he was to use.
When HCH began a construction project, it would supply the Bank with a set of plans for
the house and the Bank would obtain an "as-built" appraisal of it. HCH could borrow up to 80 per
cent of the "as-built" value. HCH would execute the promissory notes and mortgages described
above. In order to draw from the construction loan, Christensen would execute on behalf of HCH
a "Construction Loan Request for Draw" that outlined the original amount of the note, the amount
of all previous draws, the amount of the current draw, the running total draws, and the remaining
loan proceeds.3 The request also contained blanks for the loan number, the checking account into
which the draw proceeds were to be deposited, and the borrower's signature. There was no
warranty, representation or certification language on the draw form, nor was it required to be signed
under oath. Christensen would attached the invoices comprising the amount of the draw requested
to the form. Sometimes Christensen would sign these draw requests as HCH's representative,
sometimes not; the Bank honored them either way.
The debt that the Bank seeks to except from Christensen's discharge arose out of his
3 See e.g. Ex. 12.
Case 10-05172 Doc# 33 Filed 08/30/11 Page 4 of 14
guaranty of HCH's promissory note in the amount of $231,200 dated May 15, 2009 (the "Columbine
Note").4 The Columbine Note was secured by two mortgages, one for $23,000 securing the
purchase of the bare ground and the other for $208,200 for the proposed construction of the house.5
The Bank's claim against Christensen is based on his August 19, 2008 unconditional guaranty of
all of HCH's bank debt.6 The Columbine Note, the mortgages, the guaranty, and the 12 construction
draw requests between May 23, 2009 and October 1, 2009 are the only documents evidencing the
parties' agreement concerning the Columbine property.7
Both Ms. Bixby and Christensen testified to the mechanics of how construction draws were
funded. The parties' implicit understanding was that all funds drawn on a particular note were to
be spent on the invoices that were attached to it. Christensen agreed in principle that this was the
case but stated that, from time to time, Ms. Bixby allowed HCH to draw from one project to
complete another--"to rob Peter to pay Paul" in Ms. Bixby's words, a point she did not deny. In fact,
at the very outset of their dealings, the Bank permitted HCH to draw "in advance" for work that had
yet to be done in order to support the Bank's funding the beginning of work on HCH's first project.
Christensen's credible testimony was that it became common practice for the Bank to permit HCH
to draw funds from a new project to complete an old one. All loan proceeds were deposited in the
HCH commercial account commingling the proceeds of several loans, along with the proceeds of
4 Ex. 1.
5 Ex. 2 and 3.
6 Ex. 4.
7 Ex. 12-23 (Draw request nos. 1-12).
Case 10-05172 Doc# 33 Filed 08/30/11 Page 5 of 14
any HCH receivables in a single account.8 So long as the Bank did not suffer a loss, the Bank did
not object.
Instead of routinely auditing draw requests, the Bank and Ms. Bixby relied on their general
trusting relationship with Christensen in considering whether to approve the draws. Frequently Ms.
Bixby was not even involved in approvals, leaving that to other bank officers or a loan secretary.
"Approval" generally entailed Christensen delivering the completed form to the Bank with the
proposed payables or filling out the form at the Bank with the assistance of Ms. Bixby or another
loan officer. Ms. Bixby inspected projects from time to time as did other bank officers, but no
records of inspection were offered in evidence. So long as there were funds to draw, the draws were
allowed. Indeed no draw requests were ever denied until the Columbine note proceeds were finally
The only time a controversy arose in connection with the use of construction loan proceeds
was in 2009 when the Bank conducted a file review or audit on the Briargate project, an HCH
project begun prior to Columbine. That review revealed that some Briargate funds were used on
other projects. Despite that finding, the Bank did not monitor the Columbine draw requests any
differently nor did it audit the Columbine project until sometime after the final Columbine draw
request in October of 2009.
Christensen conceded that there were at least two specific instances when draw request
8 See e.g., Ex. 5 where loan proceeds from note 12649 were deposited in the HCH
account on 4/24/09 and Ex. 7 where loan proceeds from note 12687 (the Columbine note) were
deposited in the HCH account on 6/26/09.
9 Ms. Bixby estimated that construction on the Columbine property was 60% complete
when all of the loan proceeds had been advanced.
Case 10-05172 Doc# 33 Filed 08/30/11 Page 6 of 14
proceeds were not used for the property for which the loans were intended, but added that those
draws were at Bixby's direction or authorization. Bixby directed Christensen to draw $6,500 in the
first Columbine draw request on May 23, 2009 in order to get the HCH bank account out of
overdraft status.10 Bixby also authorized HCH to use proceeds from the construction loan for the
Joanie Street property to tear down a house on the Henderson property. According to Christensen,
the Bank never complained to him that any of the Columbine loan proceeds were being used on
other Bank-HCH projects.
Draw requests from a number of projects were placed in evidence by both sides. Some of
the Columbine draw requests included invoices that appeared to be related to other projects, some
of which on their face identify a construction project other than Columbine. The Bank suggests that
submitting other project invoices amounts to a misrepresentation but admits that the invoices were
not in and of themselves false. Several invoices were presented twice and others appear to have
been altered. Christensen contends that all of the invoices HCH submitted relate to projects financed
by the Bank.
Ms. Bixby prepared a summary of these invoices in which she attempted to reconcile
requested payments against HCH's checking account to show whether the invoices were ever paid
or if they were, whether the materials and services they covered went into Columbine.11 This
summary purports to show which invoices were paid by HCH checks and which invoices showed
the Columbine address. The Bank offered no evidence, however, that it had to pay unpaid invoices
10 Ex. 12 and 6. The draw request post-dated the $6,500 deposit on May 20, 2009 to
bring the HCH account back to a positive balance.
11 Ex. 24.
Case 10-05172 Doc# 33 Filed 08/30/11 Page 7 of 14
when it took over the project or that the claimed-for services were not performed. Some of the
invoices are marked paid and one is illegible. Many of the invoices are summary in nature and most
do not designate the Columbine project specifically. Yet, Bank counsel argued in closing that the
total of these "unexplained" invoices made up the extent of the Bank's damages, totaling about
$49,000, a number greater than the $46,000 found in the state court's journal entry to be the result
of fraud.
Some of the questioned draws paid for labor and materials at another project on 1525
Briargate. Once the Briargate project was completed, HCH sold it to a customer and paid the
construction loan in full. Christensen spent all of the money drawn on the Columbine loan either
on the Columbine project or other Bank-HCH projects. He also testified that HCH completed other
work on Columbine and did not submit invoices for it to the Bank. HCH provided labor and some
design services on all of the projects.
At trial, the Bank showed that, on occasion, funds from HCH's business account were
applied to obligations other than project-specific invoices. The Bank claims that Christensen
appropriated some of the Columbine loan proceeds for his personal use. In particular, the Bank
noted a series of credit card payments. Christensen said that the payments were for company credit
cards that HCH used to charge materials or to pay invoices for materials when draws were
unavailable or HCH had met his credit limit with vendors. HCH paid life insurance premiums on
an American General policy, but Christensen noted that this was for life insurance on him that the
Bank had required as a condition of its agreement to lend. The premiums were paid via bank draft
from the HCH account and had been since the account's inception. Similarly, the Bank questioned
HCH making a loan payment to Toyota Credit with funds from HCH's checking account suggesting
Case 10-05172 Doc# 33 Filed 08/30/11 Page 8 of 14
that Columbine draws funded that payment. Christensen indicated that this loan was secured by his
work pickup that was titled in HCH and that the payment was paid via bank draft from the HCH
account. Similarly, drafts to Westar Energy were for utility service to the construction sites.
Because funds in the HCH account consisted of more than Columbine construction draw proceeds,
the Bank failed to prove that the above expenditures were funded by the Columbine draw requests.
As the housing market deteriorated in Salina in the wake of the 2008 financial crisis of 20082009,
HCH's business declined. Added to HCH's woes was Christensen's costly divorce that
resulted in his wife taking some $78,000 from the HCH bank accounts (she had kept the books of
the company).12 As the market and HCH's business contracted, the Bank adapted by limiting HCH's
activity to building custom homes as opposed to "spec" homes. At the end, HCH only had the
Columbine project in progress.
On October 1, 2009, HCH sought its last draw of $22,213 on the Columbine project, leaving
about $1,100 available. HCH then defaulted on its other loans. The Bank repossessed HCH's
equipment, effectively shutting HCH down. Then the Bank foreclosed, generating the judgment
upon which this case is predicated, and resulting in the forced sale of the uncompleted Columbine
project as well as another lot and a rental property that Christensen owned. Finding the Columbine
home to be incomplete, the Bank bid in its judgment to the extent of $170,000 at the sale and worked
to complete the home. The Bank claims that it has expended another $120,000 to get the property
ready to sell. Bixby says that when she inspected the house after the HCH relationship unraveled,
she found that the house had been framed, sheet-rocked and textured, but there were no floor
12 Christensen and his wife have since reconciled and remarried. She is the co-debtor in
this case.
Case 10-05172 Doc# 33 Filed 08/30/11 Page 9 of 14
coverings, no cabinets, and the air conditioner was missing. Once the Bank completed the house,
it marketed it at a price of $309,900 – at the time of trial, the house had been on the market for six
Other than Ms. Bixby's testimony that the Bank spent $120,000 completing the house, the
Bank offered no other evidence about the nature of the expenses it incurred in completing the
Columbine house. Ms. Bixby testified that in her lay person's opinion, the house was only 60 per
cent completed at foreclosure.
The Bank seeks to except from discharge an indeterminate sum of up to $49,000 of Kevin
Christensen's guaranty of HCH's debt on the basis that he procured the guaranty debt by fraud that
he committed as HCH's officer. Section 523(a)(2)(A) excepts from an individual debtor's discharge
debts that are based on false statement, false pretenses, or actual fraud, other than statements
concerning the debtor's financial condition.13 To prevail under this section, the Bank must show that
the debtor made a false statement with the intent to deceive the Bank, that the Bank justifiably relied
on the misrepresentation, and that the misrepresentation caused the Bank to sustain a loss.14
Justifiable reliance is a subjective determination, based upon the Court's view of all the
A preliminary issue here is whether Mr. Christensen may be sanctioned under this section
13 Watson v. Parker (In re Parker), 264 B.R. 685, 699 (10th Cir. BAP 2001), aff'd 313
F.3d 1267 (10th Cir. 2002), cert. denied 540 U.S. 965 (2003) (Fraud as used in § 523(a)(2)(A)
means actual or positive fraud, rather than fraud implied by law.).
14 Fowler Bros. v. Young (In re Young), 91 F.3d 1367, 1373 (10th Cir. 1996).
15 Field v. Mans, 516 U.S. 59, 71, 116 S. Ct. 437, 133 L.Ed. 2d 351 (1995) (concluding
that "justifiable reliance" is a less demanding standard than "reasonable reliance").
Case 10-05172 Doc# 33 Filed 08/30/11 Page 10 of 14
for the alleged fraud of HCH. Many courts, including the Tenth Circuit Bankruptcy Appellate
Panel, have held that a corporate debt fraudulently incurred with the participation of the guarantor
or as a result of the guarantor's fraud may be excepted from the guarantor's discharge.16 Here,
Christensen's debt arises from his personal guaranty of the HCH construction loan for Columbine.
If Christensen's statements or representations made in support of any of the unpaid Columbine loan
balance are sufficient to support a finding of fraud within the meaning of § 523(a)(2)(A), the
corresponding amount of his guaranty debt may be excepted from his discharge.
The Bank asserts that Christensen's attachment of the questioned invoices to the draw
requests are the "false representations" or "actual fraud" that support excepting his debt from
discharge. The draw requests merely seek funding and have invoices attached. They lack any
specific "representation" language. Nowhere does Christensen certify that the attached invoices
were incurred on the corresponding project. While both witnesses testified that the general idea was
that funds from a particular construction note would be expended on the corresponding project, that
requirement is found nowhere in writing. Ms. Bixby testified that during the Briargate project, the
one preceding Columbine, she discussed with Mr. Christensen the need for funds drafted from the
Briargate note to be applied to the Briargate project rather than other projects. At the same time,
the Bank allowed Christensen to "rob Peter to pay Paul" when it was necessary to complete trailing
projects with funds from newer ones. While one could interpret or construe Christensen's signature
on the draw requests as "representations" that the funds would be used only in the Columbine
project, the custom developed between the parties over the preceding 46 projects does not support
16 Columbia State Bank, N.A., v. Daviscourt (In re Daviscourt), 353 B.R. 674 (10th Cir.
Case 10-05172 Doc# 33 Filed 08/30/11 Page 11 of 14
that interpretation. Christensen signed less than half of the Columbine draw requests. Moreover,
several of the draw request invoices on their face accurately identified the construction project to
which they pertained. In these instances, Christensen openly disclosed to the Bank that some
invoices were attributable to a different construction project than Columbine. To that extent, the
invoices were not "false," and this disclosure negates any intent to deceive by Christensen.17
Christensen denied any intent to defraud the Bank. The fact that all of the money HCH drew on the
Columbine note appears to have been spent in some manner on the business, whether on a specific
project or on general overhead, lends him credibility. Ms. Bixby testified that he was a trustworthy
individual with whom she worked well. A house was erected at the Columbine site and there is no
evidence that any of the draw money went into Christensen's pocket as opposed to the Columbine
Even if the draw requests constitute false statements, the Bank still had to prove that it relied
on those statements and that reliance must have been "justifiable" under the circumstances.18 The
falsity of Christensen's representations was or should have been readily apparent to the Bank. As
noted in Daviscourt, the Bank's reliance is justifiable if the falsity of the representation is not patent
from a cursory examination or investigation.19 Where, as here, numerous draw request invoices
indicated on their face that they were incurred an projects other than the Columbine house, the
17 The Court found Christensen's demeanor and his testimony to be honest, forthcoming
and credible.
18 Field v. Mans, 516 U.S. at 71: "Justification is a matter of the qualities and
characteristics of the particular plaintiff, and the circumstances of the particular case, rather than
of the application of a community standard of conduct to all cases," quoting the Restatement
(Second) of Torts (1976).
19 353 B.R. at 686 (Citing Field v. Mans, supra).
Case 10-05172 Doc# 33 Filed 08/30/11 Page 12 of 14
Bank's reliance is not "justifiable." A simple examination of the invoices would have placed the
Bank on inquiry that the debtor and HCH were borrowing on the strength of invoices from projects
other than Columbine. Ms. Bixby admitted that the Bank did not review the invoices in any detail
other than "checking the math" to check the total of the invoices against the draw request until after
Christensen defaulted. In addition, the Bank knew from the parties' course of conduct with respect
to the prior construction loans, as well as its review of the Briargate draw requests, that draw
requests were regularly made on invoices other than on the corresponding construction project. If
the representations were false, that falsity was patently shown on many of the invoices attached to
the draw requests and the Bank could or should have readily detected that.
In addition, the Bank employed inspectors to view the progress of HCH's projects. This
supplied it with a means of determining whether the funds being drawn were in fact being spent on
the projects at hand. Given that the Bank had previously sanctioned the use of funds from one
construction note on other projects, the Bank cannot now say that it justifiably relied on the
questioned draw requests. Indeed, there is no evidence that the Bank would not have extended this
credit had it known some of the funds would be for trailing projects.
In short, the draw request process appears to have been loosely administered. The Bank
contends that it relied not only on the draw requests but also on its periodic construction inspections
as well as its inherent trusting relationship with Christensen who Ms. Bixby described as "one of
our stars." Each of HCH's and Christensen's 46 prior projects resulted in no loss to the Bank. There
is no persuasive evidence that this debtor expended any of the draw money on goods or services that
did not go into a project secured to the Bank. Even if Christensen incurred some portion of the
guarantied indebtedness by misrepresentation or fraud, there is no evidence upon which to base a
Case 10-05172 Doc# 33 Filed 08/30/11 Page 13 of 14
determination of what that portion might be.
The Bank did not demonstrate that the draw requests were "false representations" or that it
"justifiably relied" on them. Further, the Bank did not satisfy the remaining element of § 523(a)(2) that
its loss was caused by the misrepresentation. It did not show with any measurable precision
what draws, if any, were made in reliance on these representations and should make up the non-
dischargeable portion of Christensen's guaranty debt to it. Moreover, the evidence in this case
showed that the construction draws benefitted the Bank on one or more of HCH's construction
projects in which the Bank had a lien. Given the fact that the HCH account contained not only
Columbine loan proceeds, it is impossible on this record to trace payments or disbursements from
the HCH account to any specific draw requests or to establish that Christensen used the draw
requests for personal benefit.
Demonstrating an exception to discharge for fraud is never an easy task and here the Bank
falls short, even under the applicable preponderance of the evidence standard.20 Christensen is truly
the "honest but unfortunate debtor" deserving of a fresh start. Judgment should therefore be entered
on the complaint for the defendant Kevin Christensen, each party to bear its costs. A judgment on
decision will issue this day.
# # #
20 Grogan v. Garner, 498 U.S. 279, 286-87, 111 S. Ct. 654, 112 L.Ed. 2d 755 (1991).
Case 10-05172 Doc# 33 Filed 08/30/11 Page 14 of 14


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GTA V rumors of a zombie based DLC simply won't die. On Monday morning, reports surfaced yet again that GTA V might be getting zombie themed content in the near future and the source of those rumors is certainly more believable than most.
On the Official Playstation Magazine UK's twitter account, the magazine showed off its September cover. On that cover was a mention of some zombie-centric games and content. There were quite a few games mentioned that obviously have zombie-ties such as Dead Island 2, Dying Light, H1Z1, and The Walking Dead.
As the old song goes, one of these things is not like the other and the cover also included GTA V. Because this was just the cover of the magazine and it isn't out just yet, there was no explanation as to why GTA V was included.
This isn't the first time GTA V has been rumored to have zombies coming at some point in the future, but Rockstar hasn't fueled those rumors with any sort of comment just yet. As Softpedia points out, while some think zombies simply don't belong on GTA V, it wouldn't be the first time Rockstar has put the undead in a game where they don't belong. Years ago, the developer put a DLC chapter known as "Undead Nightmare" into its Red Dead Redemption game.
The open world of GTA V seems to allow for enough room for these monsters to haunt the title but at this point, you have to wonder if adding zombies to GTA V would simply be too unoriginal.


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Wait and See
California officials don't expect one definitive statement on stimulus reporting rules from the federal government. Instead, details will emerge on a program-by-program basis, Takai said.
She recently raised some of the reporting questions with auditors from the U.S. Government Accountability Office (GAO). Audit teams from the agency will be stationed in California and 15 other states for the next several years to monitor stimulus spending and the results it produces.
"I felt the GAO was very cooperative. They came out early so they could hear what we thought about the issues and challenges," Takai said. "The final decisions rest with OMB [Office of Management and Budget]. But we gave them input they could take back to OMB."
Who Pays the Bill?
Another question is who pays for stepped-up reporting and transparency efforts triggered by the stimulus package. Like nearly 40 other states, California has launched a special Web site to show citizens how stimulus dollars are being spent. For now, California is adding up the costs of its monitoring and accountability activities in the hope that federal funds will pick up at least part of the tab.
"In some areas, we have heard that there may be dollars for administrative support," Takai said. "But we don't think those dollars are very large, and it's not clear to us where they are."


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12 comments
If you'd like to see the retro sci-fi cult classic, check out http://www.y
outube.com/maxneptune for the first chapter!
Feb 25th
can you continue this?
July 21st
I watched the movie trailer!!!!!! lol It's GREAT!
Aug 22, '08
Go Max! destroy this giant thing!
Aug 17, '08
Wow Cec, Max Neptune is amazing, I was thinking that few people knew it, fantastic look scenes
Aug 15, '08
Hot banana beans and sockets! When'z we gonna be seein't another Max Neptune strip? Our appitites are more then a tad whetted!
Jul 18, '08
Jul 7, '08
Jul 7, '08
Jul 7, '08
Thank you for checking out the strip!
Jul 7, '08
Yes, love the robot!
Jul 6, '08
good, i love robot
Jul 6, '08


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College Hockey:Inaugural Matchup Worth the Wait
Yale Edges Quinnipiac On LeClerc's Winner
NEW HAVEN, Conn. — On Sunday, Quinnipiac (10-11-0, 4-9-0 ECACHL) and Yale (5-9-1, 4-6-0 ECACHL) hooked up for the first-ever match between the two New Haven County schools at Yale's Ingalls Rink, and the Bulldogs took the inaugural game with a heated 4-3 decision in front of 3,118 spectators.
Down 3-2, the Bobcats managed to tie the game at 3 on a David Marshall rebound goal. Jamie Bates registered his third point of the evening of the assist, and Dan Henningson also was credited for a helper.
The Bobcats' Dan Rossi made a big hit following the goal at center ice, but was called for interference and Yale capitalized on the opportunity. Bill LeClerc scored the game winner at 13:06 of the third when he went short-side on the ice past Quinnipiac netminder Bud Fisher.
Quinnipiac made a last-ditch effort by pulling Fisher, but Alec Richards held strong in net for Yale, making two key saves in the final minute to finish with 37 for the victory. Fisher finished with 18 in the loss. The teams went a combined 5-for-9 on the power play.
Quinnipiac was the "home" team and donned the white jerseys for the game between the Interstate 91 schools, but was on the visitor's bench and in the visitor's locker room for the contest.
The Bobcats and Bulldogs, fresh off wins on Friday night, were looking to extend their streaks to two games apiece and to move up in the ECAC standings.
Quinnipiac had the first scoring opportunity just 10 seconds in when Ben Nelson won the faceoff at center ice and went in on a breakaway, but was stopped by Richards.
The Bobcats did strike first when Nelson capitalized on a power play. Matt Sorteberg was at the top of the left circle and passed to Bates, who sent the puck to Nelson on the backdoor for the one-timer goal at 6:04 of the first.
Yale responded with two power-play goals to end the period. Jeff Hristovski tallied the first goal when he received the pass in the slot.
With just under one minute remaining, the Bulldogs scored their second goal by J-F Boucher. Again, it was a one-timer that beat Fisher. Hristovski and Matt Craig added assists.
Quinnipiac outshot the Bulldogs 11-6 in the period, but Yale was 2-for-2 on the power play.
In the second period both teams came out more focused and it was Yale who struck first. David Meckler tallied his second of the season, the first even-strength goal of the game. Michael Karwoski fed the puck from the left circle to Meckler, who gave the Bulldogs a two-goal advantage.
Quinnipiac cut the deficit to one on Jamie Bates' power-play goal. Brian Leitch cycled the puck to Sorteberg, who wound up and blasted the puck at the net; Bates deflected the puck in over Richards' blocker to make it 3-2 at 8:05 of the second.
The game turned physical entering the third period, and was most dramatic when star Bobcat defenseman Reid Cashman was checked into the corner boards and fell to the ice just over eight minutes in. Cashman, who lay on the ice momentarily, came up with a puddle of blood on the ice and dripping down his face.
Quinnipiac returns to action with "home" games against Cornell and Colgate, both at Ingalls Rink, while Yale will host New Hampshire on Wednesday.
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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Real Estate News: More Empty Stores at Malls
Here is a look at real-estate news in today's WSJ:
More Empty Stores at Malls: Vacancy rates at U.S. malls and strip-mall centers continued to rise in the second quarter as small-store owners struggled with the sluggish economy.
Mortgage Rates Up Broadly: Mortgage rates in the U.S. rose broadly over the past week after showing little movement over the past month.
Home Front: Southern Past, Modern Present: The Atlanta home of artist Radcliffe Bailey interweaves his work and personal history.
Relative Values: Luxury Real Estate: No Car Required: No car required at these apartments in Brooklyn, N.Y., Chicago and Philadelphia.
Open House: A Rustic Island in Maine: A rustic Maine island with seven cottages with a total of six bedrooms and one full bathroom is asking $725,000.
Private Properties: Seinfeld Puts Colorado Home on Market: A Telluride, Colo., home owned by actor and comedian Jerry Seinfeld has hit the market for $18.3 million.
Bond Street Bounds Back: Buyers have snapped up all but one of the units in a new luxury condo at 41 Bond St. in just a few weeks and the project is even fetching boom-time prices.
Trio Seeking Second-Time Chelsea Charm: The return of the Chelsea Carriage House, which has 24 condos back on the market, shows how sometimes a bit of luck, a turn in the market and perhaps even a sense of fair play can save a project.
Skyward Move for Manhattan Rents: Manhattan rents spiked across all neighborhoods and apartment sizes during the second quarter as low vacancy rates and strong demand allowed landlords to pass through huge rent hikes.
Penthouse Awaits Big-Pocket Buyer: The huge duplex penthouse at 535 West End Ave.—complete with nine bedrooms plus several staff rooms—was thought to be too grand to even consider selling. No longer.


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Match 9 No. 52 Arizona (5-3, 0-0) vs. No. 12 USC (6-2, 0-0)
Date: ?Friday, February 22, 2008
Time: ?1:30 p.m. MST
Location: ?LaNelle ? Robson Tennis Center, Tucson, Ariz.
Match Data: ?Arizona begins conference play as they host the USC Trojans and the UCLA Bruins
In The Rankings: ? The Cats fell 13 spots in the ITA collegiate rankings to No. 52. Individually, Danielle Steinberg is currently rated as No. 60 in the country. The next rankings are due out Feb. 26.
Head Coach Vicky Maes: ?Vicky Maes enters her seventh year as the head womenˇ?s tennis coach. One of the greatest players in Arizona women's tennis history, Maes has been at the University of Arizona since 1994. She got her start as a student-athlete, then continued on as a coordinator for the model Life Skills Program and has served as the head coach of the womenˇ?s tennis team since October 2001.? As a student-athlete, Maes was the squad's No. 1 singles and doubles player throughout her entire career. She was named the Pac-10 Conference Player of the Year in 1996, as well as being tabbed a four-time first team All-Pac-10 selection.?? A native of Belgium, Maes has brought great success in her first six seasons at the helm of the program. The Wildcats have recorded a solid record against teams that are continuously ranked among the top in the nation. In addition, Maes led the Wildcats to team and/or individual postseason competition each year, won the 2003 Pac-10 Championships for the first time since 1994, and produced several first team All-Americans and All-Pac-10 players.
Returnees: ?The Cats will be led in 2008 by their three returning players, Danielle Steinberg, Katie Orletsky and Natalia Toporowska. Their play will be paramount to the success of the team.? Also the new players on the team will look to them for support during competitive matches.
Welcoming newcomers: ?The Cats will also depend on a lot of new faces as they will have five newcomers joining the team.? One newbie, freshman Jane Huh, will look to the experience she gained during a busy fall schedule as she battles conference foes.
Recapping last year: ?Last year Arizona finished with an overall record of 13-9 and finished ranked No. 42 in the ITA Rankings. In Pac-10 play, the Cats had a 3-10 record.? Individually they were led by sophomore Danielle Steinberg. Steinberg who was ranked as high as No. 34.
Tough schedule: ?In addition to the rigorous Pac-10 schedule, Arizona will face several strong NCAA opponents in Long Beach State, San Diego State, and Sacramento State.
Led by Stanford, seven (including the Wildcats) Pac-10 teams qualified for post-season play last season. ˇ?We are still improving, and this is certainly a tough schedule, but our players are competitive and ready to put themselves on the line. As long as we continue to grow and develop, we will be a tough challenger every time we step on the court,ˇ± head coach
Vicky Maes said.
Pac-10 Player of the Week: ?Danielle Steinberg was named as the Pac-10 Player of the Week for the week of Feb. 4 -10. She went undefeated over the weekend to garner this award, not losing a singles or doubles match!
Last Time Out: ?Arizona lost both of its matches over the past weekend. After getting rained out on Friday, Arizona faced Sacramento State on Saturday and were downed 5-1. They then continued their match against Long Beach State from Friday on Sunday morning and lost 6-0.
Streaky Cats: ?After winning their first five matches, the Wildcats now find themselves in a three match losing streak. They will look to turn things around when the host the Trojans and Bruins this weekend.
Scouting the Women of Troy: ?USC is currently 6-2 on the season and ranked No. 12 in the ITA rankings. They are led by No. 17 Amanda Fink and No. 68 Lindsey Nelson. ?Their last time out, the Trojans defeated the San Diego State Aztecs, 7-0.
Cardiac Cats: ?In the early season so far, Arizona has had a pension for playing close matches. Three out of their six matches (all wins) came by a score of 4-3.
Early Home Schedule: ?The Cats begin their season with 13 home games at the LaNelle Robson Tennis Center. They will look to use this to get out to a fast start and offset the eight road games they have in March and April.?
Fall Action: ?Arizona competed in six fall events and seemed to find a lot of success in doubles action.? Junior Danielle Steinberg had a record of 5-2 while playing in two events to lead the Cats. Sophomore Natalia Toporowska also had a strong fall showing, going 7-4 in singles and 2-2 in doubles play.
Next Up:? ?Arizona will host the No. 7 UCLA Bruins on Saturday, Feb. 23 beginning at 11 a.m.


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General Manager
After the dust settled, proponents and opponents of cruising in Eminence agreed on one thing — the June 4 event was huge.
But even for some proponents, the event may have been a little too big.
For the full story, see this week's Henry County Local, available on newsstands across the county.
Staff writer/photographer
On an unreasonably scorching first day of summer, Barbara Gregory sat under the shade of a blue tarp positioned under an enormous sugar maple tree.
Gregory administered cool water CPR to a potted flower wilting from the heat, but, even though the thermometer registered 91 degrees at 10 a.m., a cool breeze ruffled the pansy's delicate flowers.
From the smoldering remains of a home on Franklinton-Point Pleasant Road volunteer fire fighters carried a scorched cedar chest.
Denny Washburn, with the Pleasureville Fire Department walked over to the chest, and lifted the lid and smiled. The contents, though a bit damp, were mostly okay and intact.
After removing some of the more intact contents from the house, it was a small ray of sunshine on a cloudy day marred by a fire that destroyed the home of 82-year-old Leona Knight Grigsby.
In March, the Henry County Chamber of Commerce presented awards to a number of recipients in various areas. This program is an initiative on the part of the Chamber to recognize the fine people living in our county. It is hoped that this will be an annual event with nominations coming from the county.
Citizen of the Year — Rev. Michael Duncan, pastor of Eminence Baptist Church
A man accused of firing shots at a house in southeastern Henry County has been indicted.
Chester T. McDonald Jr., 34, of Frankfort was indicted for one count of attempted murder and two counts of first degree wanton endangerment.
For the full story, see this week's Henry County Local, available on newsstands across the county.
Wednesday, June 16
Children's Story and Craft hour every Wednesday from 10 to 11 a.m. at Pleasureville Christian Church. Also, the community library at the church is open to the public.
All former employees and retirees of Madison's Reliance/Rockwell/Baldor are invited to attend a reunion to be held at The Pines Restaurant at 11:30 a.m. in Madison, Indiana. Call (812) 265-3117 or (812) 866-5601 by Friday, June 13 for reservations and details.
Many of us sometimes have a hard time throwing things out. Clearly, in the back of our minds lurks the fear that we may need those objects some day.
Or we hang onto things for sentimental reasons knowing that even the most trivial of trinkets can elicit fond memories of a favorite person, place, or trip. A cheap souvenir from a trip taken years ago can unleash a torrent of vivid recollections.
Please mark your calendars for this year's Harvest Showcase on July 31. The Showcase committee has a mix of new events and old favorites that should prove to make this 11th annual event one of our best ever. As always there will be a farmer's breakfast held by the Chamber of Commerce starting at 7:30. This will be followed by Lunch at the Farmer's Market with locally grown beef, pork, vegetables and homemade cantaloupe ice cream on the menu.
Memorial Day is a day of remembrance unlike any other. To some, it marks the beginning of summer festivities. However, for service members, veterans and the loved ones of the fallen, it recognizes the ultimate sacrifice brave men and women have made to protect our freedom.
Eminence's TJ Cooper capped off his high school athletic career with an 11th-place finish at the Kentucky High School Athletic Association Track and Field Championship.
Competing in the smaller Class A competition at the University of Louisville on Saturday morning, Cooper cleared 5-foot-8 in the high jump, knocked off the crossbar on three attempts at 5-10 and tied with five other jumpers for 11th in the state.
For the full story, see this week's Henry County Local, available on newsstands across the county.
Subscribe online or by calling (502) 845-2858.
Copyright © 2016
The Henry County Local is your source for local news, sports, events, and information in Eminence, KY and the surrounding area.


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SunSouth Bank established its early roots deep in the soil of rural Alabama as The Peoples Bank in Clio, Alabama. Created in 1954, The Peoples Bank began as a small family owned bank serving the financial needs of the farmers and merchants of the community. To enhance growth, the charter was moved to Dothan, Alabama.
The name was changed to SunSouth Bank and the bank has reflected a steep growth curve. They acquired a premier location on Jamestown Boulevard and restored a landmark home to a facility which is located adjacent to the Dothan Area Chamber of Commerce.
The rapid growth of the Bank created the need for additional space to accommodate the expanding operating functions. These are the important people who assure that the bank continues to provide the quality and warm personal service for which it is justly proud. Consequently, a new SunSouth Corporate Headquarters building was built at the corner of Main Street and Jamestown Boulevard in Dothan; a location which is rapidly becoming the business and financial center of the Wiregrass.
This is your bank, the performance bank . . . offering Bright Ideas - Better Banking . . . welcome aboard.


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Samsung sells 52 million smartphones in the second quarter
Double the number of Iphones sold
KOREAN PHONE GIANT Samsung sold 52 million smartphones in the second quarter, Juniper Research reports, more than twice the number of Iphones sold by Apple.
Of course, this is mainly thanks to the Samsung Galaxy S3, which has sold 10 million devices in just seven weeks. Juniper highlights that it's not just down to the flagship Galaxy S3 smartphone though, as Samsung has "Galaxy products hitting all price points", which have "leveraged its global brand strength and the popularity of the Android OS".
Although Samsung is dominating the smartphone market, the research firm claims that "Apple will undoubtedly narrow the gap" following the launch of its next-generation Iphone.
However, Juniper adds that Apple needs to do "something special" with the Iphone 5, saying, "While the iPhone 4S added a new killer feature, Siri, the next iPhone will need something of a similar magnitude, particularly if the device retains the 3.5-inch display size, which is now dwarfed by the Galaxy S3 (4.8-inch) and other high-end smartphones."
Samsung needn't worry about Nokia and RIM, however, as Juniper estimated that 7.4 million Blackberry handsets were shipped in the second quarter and reaffirmed that Nokia managed to shift just 10.1 million. In fact, Juniper believes that Sony is the only smartphone maker that has strong potential to overtake Android, with HTC and Motorola falling short.
Daniel Ashdown, research analyst at Juniper Research noted, "Sony should be doing better: it, like Samsung, has a global name and the Xperia brand is well-established but its marketing and products have been disappointing so far." µ
INQ Latest
Google Updates: YouTube live after you check you're not dead
It's time for our regular two-step through the Google news
Uber picks up Portugese pen-testers with profiteering plans
Bug bounty offer: accepted


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Skydiving.com now has a network skydiving location serving Guernsey and Platte County in Wyoming. Call Skydiving.com at 1-800-617-7948 for details, free information and specials on skydiving in Guernsey, WY today!
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Sign up for our newsletter and receive updatesand specials on skydiving across America!


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Park City's High Tech Connection
Editor's note: This article is the fourth in a series of profiles of key players in the fast-paced high-tech industry and their connection to Park City and Utah. Julian Castelli, the Park City-based CEO of VacationRoost.com, grew up in Europe and remembers his family always vacationing in private homes.
read more...
Mountain Money Radio Show Interview with Julian Castelli, VacationRoost CEO
Julian discusses on the air the advantages of booking a vacation home over a hotel room. VacationRoost has made booking a vacation home online as easy as any hotel room.
read more...
VacationRoost Destination Expert Career Discussed on KSL Travel Show
A career as a Destination Expert was recently highlighted on KSL Newsradio's Travel Show. With firsthand experience and knowledge of destinations, Destination Experts help travelers plan personalized trips.
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Getting Paid To Travel? Here are 8 Travel Careers You Can Begin From Your Home
Maile Keone, traveler and CMO of VacationRoost, is interviewed by Forbes contributor Cheryl Conner for an article on eight ways those with a bit of wanderlust can begin a travel related career or business from home.
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Top Tips for Single Female Travelers
Current estimates indicate 50% or more of business travel is by women and 80% of all travel decisions are made by women. Stay safe when you travel by following these simple tips.
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VacationRoost and HDR Homes Introduce HDReal Imagery Solution
VacationRoost and HDR Homes have partnered to bring VacationRoost partners the opportunity to upgrade vacation rental imagery using HDReal™ technology, a fast and affordable professional photography solution.
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Vacation extras booking capabilities make any travel site a one-stop shop
lumiere Telluride adds vacation extras booking capabilities to their website through VacationRoost to enable guests to book car rentals, lift tickets, and other travel services.
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Interview with Julian Castelli, VacationRoost
Julian Castelli, CEO and founder of VacationRoost, tells TechRockies how he leveraged his many years of experience as an executive at Primedia, the firm behind ApartmentGuide, private equity backing, the former travel operations of Overstock.com, and more to start VacationRoost, and how he sees the market shaping up.
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As vacation rentals gain popularity, online sites increase listings
VacationRoost was recently mentioned in a USA Today piece outlining the benefits of traveling with professionally managed vacation homes rather than traditional hotels.
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The Mexico Quandary: Safety or Savings?
All of this has made travel to Mexico a hard sell lately, but travel agents say the negative publicity has also made Mexico among the best values out there as resorts lower rates or add free incentives to entice travelers.
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Reservations firm aims to rule the VacationRoost
Last week, VacationRoost took over Alta Ski Area's central reservations system, helping out-of-state tourists arrange everything from airfare and lift tickets to accommodations, either at the top of Little Cottonwood Canyon or in the Salt Lake Valley.
read more...
Renting a Villa, Not a Dump
Renting a vacation home may be cheaper and provide more space and privacy than the typical hotel room...
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Tough times open doors for bargain hunters
Just about all the major travel suppliers are cutting travel deals these days. The economic collapse is becoming an equal-opportunity disaster for the entire travel industry, and suppliers of all stripes are resorting to price cuts, twofers and other promotions to stimulate demand. And those deals include vacation rentals.
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Web Watch: Find the perfect vacation rental
What we like: With several new competitors in the vacation rental market, VacationRoost lists more than 100,000 "professionally managed" properties, offering a level of security to travelers who are wary of private rentals.
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Vacation Rentals on Sale ... If You Know Where to Look
With vacation rentals being a hot topic right now, I wanted to let you know there are additional ways to save on these already-affordable accommodations.
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Candace Cameron Bure defended her decision to go on a five-day juice cleanse after being slammed by fans for promoting a near-starvation diet, insisting weight loss was not her goal.
"I'm excited to start my five-day cleanse not to lose weight, but to get my body back on track, ridding all the toxins and unhealthy stuff I've put in it the last few months," Bure, a recovering bulimic, wrote on Facebook.
Candace said her eating habits had gotten off-track since season 18 of "Dancing With the Stars" ended in May, and the juice cleanse was merely an attempt to detoxify her body.
"Since being off 'Dancing With the Stars,' my body has struggled to find its balance after having danced up to eight hours a day and eating so clean," Cameron Bure wrote.
"After going back to my normal eating habits as well as extended overindulgent summertime vacation eating and normal exercise routine, my body has endured some confusion causing some minor health issues."
Battled Bulimia and Diet-Pill Addiction
Despite the lip service many people pay to the purported health benefits of juice fasts, most people do them to jump-start weight loss. The furor started July 14, after Bure announced her juice cleanse. Candace said she had planned to drink two Paleta juice-cleanse protein shakes and a light all-vegetable dinner.
Fans immediately accused the slender Cameron Bure of sending an unhealthy message about body image with her extreme low-calorie diet. One fan even called her a "sellout" and accused Bure of promoting the Paleta juice cleanse for money (which is highly likely, but something most celebrities do).
Candace's decision to go on a juice fast was especially disturbing to some fans, given her past as a recovering bulimic. Bure, who at 38 looks years younger, is in the best shape of her life now after overcoming the eating disorders anorexia and bulimia during her teens and early twenties.
Lost 22 Pounds in 2010 With Low-Carb Diet and Exercise
In 2010, the former child star lost 22 pounds, slimming down to 110 pounds through a portion-controlled, low-carb diet and regular exercise. Cameron Bure has maintained her weight loss since then by eating well and working out regularly.
Bure began dieting obsessively as a teen, suffered from the eating disorder bulimia, and experimented with diet pills. "I felt chubby," she wrote. "I didn't fit into a lot of my wardrobe. I know it showed on TV."
At her heaviest, the 5-foot-2 Candace weighed 132 pounds, which isn't heavy, but not optimal for unforgiving TV cameras. Bure said she had a hard time adjusting to being a housewife and mom of three after "Full House" ended in 1995 and she began living in Canada with her husband, Russian-born NHL player Valeri Bure.
But marriage and motherhood inspired her to embrace a fitness-minded lifestyle. Bure slimmed down to 110 pounds by following a low-carb diet that emphasized protein and vegetables and eliminated bread, pasta and rice.
The mother of three typically works out first thing in the morning, right after she drops her kids off at school, and is disciplined about following a healthy diet. Looking and feeling good keeps her motivated to stay on course.
"I like the way I feel when I'm in shape and I like the way I look when I'm toned," she said. "When I feel good, it makes for a much better start to the day."
Suggested Links
- Tim McGraw is ripped to shreds at 48: His Paleo diet and CrossFit workout
- Low carb fan Cheryl Burke defends 30-lb weight loss: Rejected by Rob Kardashian
- Low carb Paleo-style diet beats low fat for weight loss: Calorie myth debunked
- Elle Macpherson's hot bikini body at 51: Her yoga and low carb alkaline diet
- Jessica Simpson swimsuit photo: 70-pound weight loss on sugar-free low carb diet


text: Take a step up with the Quik-Fold Step Stool. Features non-slip floor protectors and super-grip step tread so you're always stable. Arched foot guide helps you step into a safe position while carrying and lifting items. Weight capacity: 300 lbs. When you're done, simply fold the stool for easy storage.