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Patent application title: SYSTEM FOR MONITORING CHEMOTHERAPY-ASSOCIATED ADVERSE DRUG REACTIONS
Lionel Tarassenko (Oxford, GB)
Oliver John Gibson (Abingdon, GB)
M. E. Larsen (Oxford, GB)
IPC8 Class: AA61B500FI
USPC Class:
Class name: Surgery diagnostic testing via monitoring a plurality of physiological data, e.g., pulse and blood pressure
Publication date: 2010-07-29
Patent application number: 20100191073
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A system adapted to monitor adverse drug reactions in cancer patients
undergoing chemotherapy which comprises a patient-based data terminal 3
such as a mobile telephone adapted to provide for periodic entry by the
patient of data on a plurality of predetermined adverse reactions. The
data is processed for display to the patient and for transmission to a
remove server 7. The data is also processed to generate red or amber
alerts which may be displayed to the patient and sent by the server 7 to
a pager 13 held by the healthcare professional. The server 7 processes
the received data for display and review via a secure web page. Alerts
may be of different levels of urgency with urgent alerts being sent
immediately to the pager 13, but less urgent alerts being sent in batches
at regular intervals.
1.-12. (canceled)
13. A system adapted to monitor side-effects in cancer patients undergoing chemotherapy, the system comprising:a patient-based data terminal adapted to provide for periodic entry by the patient of data on a plurality of adverse drug reactions, to process the entered data, to display the processed data to the patient and to transmit the entered data;a server adapted to receive the data transmitted from the data terminal, to process the data, and to transmit the processed data for display;a remote terminal adapted to receive the processed data from the server and display it; andan alerting device for use by a healthcare professional;wherein the patient-based data terminal and the server both process the data independently based on the same criteria to generate selectively from the entered data an alert of a first or second type, the patient-based data terminal displays said alert of the second type to the patient, the server collects alerts of the first type into batches and regularly transmits the batches to said alerting device, and the server immediately transmits alerts of the second type individually to said alerting device.
14. A system according to claim 13 wherein the alerting device is a pager.
15. A system according to claim 13 wherein the patient-based data terminal is a mobile telephone or telephony-enabled personal digital assistant.
16. A system according to claim 13 wherein the server makes processed data available as a secure web page accessible by the healthcare professional by use of the remote terminal.
17. A system according to claim 13 wherein the server is adapted to send said batches to said alerting device a plurality of times a day.
18. A system according to claim 13 wherein said data on a plurality of predetermined adverse drug reactions, comprises measured values and subjective self-assessments by the patient.
19. A system according to claim 18 wherein said patient-based data terminal is adapted to display a series of questions to the patient to provoke entry of said measured values and subjective self-assessments.
20. A system according to claim 18 wherein said measured values are selected from temperature, white blood cell count and blood pressure.
21. A system according to claim 13 wherein said alerts are based on data entered in a plurality of successive data entry periods.
22. A system according to claim 13 wherein said alerts are based on lack of data entry in a plurality of successive data entry periods.
23. A system according to claim 13 wherein said alerts are based on predetermined criteria for data entered in a plurality of successive data entry periods followed by lack of data entry.
24. A computer-readable storage medium having tangibly encoded thereon a computer program executable on a patient-based data terminal or on a server for use in the system of claim 13.
[0001]The present invention relates to a system for monitoring
chemotherapy-associated adverse drug reactions (side-effects), in
particular for cancer patients who are undergoing chemotherapy as
outpatients, i.e. based largely in their own home.
[0002]Cancer patients undergoing treatment by use of cytotoxic drugs (referred to here as chemotherapy) are now commonly based at home during the period of treatment. A typical chemotherapy regime is based on a number, typically 8-12, of three week treatment cycles. Each cycle consists of the administration of the cytotoxic drug, commonly at an outpatient clinic, following which the patient returns home. Over the next 10-14 days, as the drug takes effect, the patient typically suffers a variety of adverse drug reactions (ADRs--commonly known as side-effects) of varying seriousness. After two weeks the patient will tend to start feeling better and has a week of respite before the next administration of the drug. Common adverse reactions to chemotherapy include febrile neutropenia, diarrhoea, nausea, vomiting and mucositis. Patients may suffer very severely from these and some chemotherapy regimens have toxic death rates of the order of 0.8 to 2.2%.
[0003]Good management of the side effects of chemotherapy can reduce their severity and thus make the process less unpleasant for the patient. Currently management of side effects is handled by a variety of measures including patient education with pre-chemotherapy discussion, information leaflets, patient-held diaries and support from healthcare professionals. However, unless the patient contacts the healthcare professional directly, or has an intervening appointment set, their side effects will only be discussed at the next clinic appointment. Commonly, therefore, side effects for one cycle are not discussed with a healthcare professional until just before the start of the next cycle. Closer involvement of healthcare professionals, while desirable, is expensive, and it is now being recognised that empowering patients to manage their own health has a positive effect on the outcomes of therapy and improving the psychological state of the patient.
[0004]According to the present invention there is provided a system adapted to monitor side-effects in cancer patients undergoing chemotherapy, the system comprising:
[0005]a patient-based data terminal adapted to provide for periodic entry by the patient of data on a plurality of predetermined adverse drug reactions, to process the entered data, to display the processed data to the patient and to transmit the entered data;
[0006]a server adapted to receive the data transmitted from the data terminal, to process the data, and to transmit the processed data for display;
[0007]a remote terminal adapted to receive the processed data from the server and display it; and
[0008]an alerting device (e.g. a pager) for use by a healthcare professional;
[0009]wherein the patient-based data terminal and the server both process the data independently based on the same criteria to generate selectively from the entered data an alert of a first or second type, the patient-based data terminal displays said alert to the patient, the server collects alerts of the first type into batches and regularly transmits the batches to said alerting device, and the server immediately transmits alerts of the second type individually to said alerting device.
[0010]The invention therefore provides for the patient to monitor their condition themselves according to a pre-defined set of expected adverse reactions, and to enter that data onto their own data terminal. The data is processed to provide feedback to the patient in the form of a display of their current and past condition and, optionally, advice on action to be taken. The data is also transmitted, preferably via the internet, to a secure server which stores the data and independently processes it using the same criteria as the patient-based data terminal. The server is adapted to generate alerts of a first type (amber) or a second type (red) on the basis of predefined criteria. Amber alerts are collected into batches and transmitted periodically, say three times a day, to the pager of a healthcare professional. Red alerts are sent immediately to the pager of the healthcare professional. The server also makes the data available for viewing by the healthcare professional on a secure web page.
[0011]Thus in response to the red alert the healthcare professional can immediately access the web page to check the patient's data and can contact the patient. On receipt of the batches of amber alerts the healthcare professional can, at an appropriate time, check these and decide on appropriate action.
[0012]The processing of the data at the patient-based data terminal using the same criteria as at the server allows the patient to see when a red alert has been generated. The terminal can display information advising the patient to take further action, for example to take or stop taking medication or, in the case of a red alert, to contact the healthcare professional if the patient is not themselves contacted within a pre-set time of the alert being generated. In the case of a patient's condition not generating any alert, the patient can still feel reassured that their condition is being monitored and is satisfactory. On the other hand, the healthcare professionals can target their attention to those patients needing it.
[0013]The patient-based data terminal may conveniently be a mobile telephone or similar telephony-enabled personal digital assistant. This means that the patient is using technology which will be very familiar to them and which is robust and user-friendly.
[0014]The data entered by the patient preferably consists of a combination of measured values, such as temperature, white blood cell count, blood pressure, heart rate, etc., together with subjective self-assessments as to the severity of predetermined adverse reactions such as feelings of nausea, episodes of diarrhoea, vomiting, mucositis, etc. These self-assessments may be entered by the patient in response to the display of a series of questions.
[0015]The alerts are preferably generated based on data entered over a plurality of successive data entry periods. For example, patients may be required to enter data on their condition twice daily and thus each data entry period consists of 12 hours. Each adverse reaction may be monitored over a suitable number of successive periods and the criteria for generation of an alert, and the type of alert, can be based on the severity of the adverse reaction encountered over set numbers of those periods.
[0016]Alerts may also be generated in the case of lack of data entry, and in particular by certain combinations of adverse reactions occurring followed by a lack of data entry.
[0017]As compared with current practice in chemotherapy, the system of the present invention provides for real time monitoring and response for patients undergoing chemotherapy at home.
[0018]It will be appreciated that the invention may be embodied in computer programs (software applications) stored and executed on the patient-based data terminal and the server, and thus that the invention extends to such computer programs.
[0019]The invention will be further described by way of example with reference to the accompanying drawings in which:
[0020]FIG. 1 schematically illustrates an embodiment of the present invention;
[0021]FIG. 2 is a flow diagram of the overall process of an embodiment of the present invention;
[0022]FIG. 3 is a flow diagram of the software on a patient-based data terminal of one embodiment of the invention;
[0023]FIG. 4 is a flow diagram illustrating the response of the patient-based data terminal to an input temperature measurement;
[0024]FIG. 5 illustrates examples of the questions displayed to a patient on the patient-based data terminal to provoke entry of the symptoms;
[0025]FIG. 6 illustrates a display to the patient on the patient-based data terminal of their symptoms;
[0026]FIG. 7 illustrates the display of an alert to a patient in one embodiment of the invention;
[0027]FIG. 8 illustrates the display of advice to a patient following entry of data; and
[0028]FIG. 9 illustrates the web page display of the patient-entered data in one embodiment of the invention.
[0029]FIG. 1 is a schematic diagram of a system of one embodiment of the present invention. Patients 1 are each provided with a data terminal 3 in this embodiment illustrated as a mobile telephone 3, which is preloaded with a software application for allowing data entry, for processing the data and for displaying it to the patient and transmitting it over the internet 5 to a server 7. The server 7 is provided with software which stores the data, processes it in the same way as the software on the mobile telephone 3 to generate alerts as will be discussed below, and also processes it for display as a web page viewable by a healthcare professional 9 using a remote terminal 11. The server 7 transmits alerts based on the data entered by the patient to a pager 13 held by the healthcare professional 9 in order to alert the healthcare professional 9 to review the patient's condition and take appropriate action such as contacting the patient.
[0030]FIG. 2 illustrates the overall process flow. In step 20 the patient starts the application on the mobile telephone 3. In the case of the telephone being dedicated to this use, the software application may be set up to start automatically on powering up of the mobile telephone. When the application has started it displays at step 22 a series of questions to the patient 1 to cause the patient 1 to enter at step 24 data on a variety of predetermined symptoms expected or possible with their chemotherapy. For example in an international trial evaluating chemotherapy for patients with colon cancer, patients were asked to measure and enter their temperature, and also symptoms related to nausea, vomiting, mucositis, diarrhoea/bowel movements and hand/foot syndrome. FIG. 5 illustrates examples of such questions. Preferably the questions are simplified for display on the mobile telephone screen. Table 1 below illustrates examples of the flow of displayed questions for the patient's self-assessment in the trial mentioned above.
TABLE-US-00001 TABLE 1 No. Description V30.1 Diarrhoea B1. How many times have you opened your bowels in the last 12 hours? [go to C1] Mucositis C1. Have you noticed any problems with your mouth or throat in the last 12 hours? Yes [go to C2] No [go to D1] C2. How severe were they? Mild - redness, tingling, can eat and drink as usual Moderate - mouth ulcers, or can eat only a soft diet and drink Severe - mouth ulcers and\or bleeding, or unable to eat and drink sufficiently [go to D1] Nausea D1. Have you felt sick in the last 12 hours? Yes [go to D2] No [go to E1] D2. How severe was it? Mild - loss of appetite, but eating and drinking normally Moderate - eating and drinking a little less than normal Severe - only eating and drinking small amounts or not able to eat and drink at all [go to E1] Vomiting E1. Have you been sick in the last 12 hours? Yes [go to E2] No [go to F1] E2. How severe was it? Mild - sick once in the past 12 hours Moderate - sick twice in the past 12 hours Severe - sick 3 or more times in the past 12 hours. [go to F1] Bleeding F1. Have you experienced any bleeding in the last 12 hours? Yes [go to F2] No [go to G1 if evening timeslot, else end] F2. Has the bleeding lasted for more than 30 minutes in total? Yes [go to G1 if evening timeslot, else end] No [go to G1 if evening timeslot, else end] Fatigue (only asked in the evening timeslot) G1. Have you felt fatigued/tired in the last 24 hours? Yes [go to G2] No [end] G2. How severe was the fatigue? Mild - up and about, and still able to carry out light work Moderate - unable to work, but generally up and about Severe - confined to bed or chair for most of waking hours. [end]
[0031]As illustrated in FIG. 5, for their responses, patients are able to select as the severity of their reaction grade 1 ("mild") or 2 ("moderate"), with grades 3 and 4 toxicities combined into a "severe" category. The subjective assessments illustrated in FIG. 5 are set such that the default selection is the worst possible case. This means that the system fails safe in the event of misuse of the diary. The patient chooses between the displayed options, e.g. the categories of "mild", "moderate" and "severe", by use of the mobile telephone cursor keys and, as illustrated in FIG. 5, the display also displays to the patient the definition of each of the categories so that the patient can judge their condition correctly. This improves the reliability of the data.
[0032]The application is also designed to allow entry of numerical data using the mobile telephone keypad and preferably checks that the entered values are realistic. In this embodiment the application requires the patient to confirm the entered value as correct before moving onto the next question.
[0033]After entry of all the data the software application processes the data at step 26 to display the patient's cumulative toxicity charts as illustrated in FIG. 6. While these charts are displayed the application automatically transmits, at step 27, the entered data via a secure GPRS connection to the dedicated server 7. The data sent to the server 7 consists of the: time, temperature, symptom scores, patient identity number, and data flow verification codes including, for example, the treatment cycle number to check synchronization with the server 7. In the event of a failure to transmit (after a certain time-out period) the data is stored for retransmission next time the software application is started.
[0034]The software application on the mobile telephone also checks the data to generate amber or red alerts according to stored criteria. Table 2 below illustrates the toxicity alert criteria for the colon cancer chemotherapy trial mentioned above (the same criteria are used at the server 7).
TABLE-US-00002 TABLE 2 Toxicity alert criteria Alert Condition Parameter Amber Borderline pyrexia with normal second reading reading in the range 37.5-37.9° C. and 2nd reading (after 1 hour) is <37.5° C. Mild or moderate diarrhoea lasting for 12 hrs total number of bowel movements over baseline in last two readings ≧4 Severe mucositis lasting for 24 hrs severe mucositis in 2 or more of 3 readings Moderate mucositis lasting for 48 hr moderate or severe mucositis in 3 or more of 5 readings Severe nausea lasting for 48 hrs severe nausea in 3 or more of 5 readings Moderate or severe vomiting lasting for 24 hrs moderate or severe vomiting in 2 or more of 3 readings Moderate Hand-Foot Syndrome moderate hand foot syndrome in current reading Red No readings for previous day no readings received in the last 30 hours Many sufficiently concerning amber alerts in any combination of ambers 2, 5 or 6, in 4 or previous 48 hours more of 5 readings Pyrexia current temperature reading is 38.0° C. or above Borderline pyrexia for 12 hours borderline pyrexia where 2nd reading is also 37.5-37.9° C. Borderline pyrexia and second reading not borderline pyrexia where 2nd reading is not known taken within 90 minutes Mild or moderate diarrhoea lasting for 36 hrs total number of bowel movements over baseline in last 4 readings ≧8 Severe diarrhoea total number of bowel movements over baseline in current reading ≧4 Moderate diarrhoea and severe nausea number of bowel movements over baseline ≧2 and severe nausea Moderate diarrhoea and moderate or severe number of bowel movements over baseline ≧2 vomiting and moderate or severe vomiting Moderate diarrhoea and severe mucositis number of bowel movements over baseline ≧2 and severe mucositis Severe mucositis and moderate or severe severe mucositis and moderate or severe vomiting vomiting in the current reading Severe mucositis and severe nausea severe mucositis and severe nausea in the current reading Severe vomiting for 12 hours severe vomiting in 2 readings Severe hand-foot syndrome severe hand-foot syndrome in the current readings Moderate hand-foot syndrome lasting for 24 moderate (not severe) hand-foot syndrome hours in all last 3 readings
[0035]The application on the telephone 3 is also adapted to display advice to the patient, based on the entered data, such as to adjust their medication or take additional medication or to stop taking medication. Examples are illustrated in FIG. 8.
[0036]Further, if an amber alert is generated for four out of five consecutive 12 hour time slots, it is automatically escalated to a red alert. In the case of a red alert the software application displays to the patient an indication that a red alert has been generated as illustrated in FIG. 7 and indicates that they will be contacted by a healthcare professional within a certain time, or, if not, that they should contact their healthcare professional. Amber alerts are not displayed to avoid worrying the patient.
[0037]As illustrated at step 28 of FIG. 2, the server 7 also runs a software application to process the data in the same way as the application on the mobile telephone i.e. using the criteria of Table 2. In order to allow for failure of data entry by the patient, the server software application generates a red alert if data is not entered for more than 24 hours. The server software is adapted to send an SMS message to the patient prompting them to submit data in addition to the generation of the red alert.
[0038]At step 29, amber alerts are sent by the server 7 in batches to the healthcare professional's pager at regular times during the day, for example, 9 a.m., 1 p.m. and 3.30 p.m., seven days a week. Amber alerts indicate that the patient is experiencing some difficulties but that these are not severe or life threatening. Red alerts, however, indicate that the patient is pyrexial and/or experiencing symptoms that are severe or life threatening. Red alerts are therefore sent by the server 7 to the healthcare professional's pager 13 immediately on receipt and processing of the data. The red alert indicates the identity of the patient. The server 7 additionally processes the entered data into a form suitable for viewing on a secure web page as illustrated in FIG. 9. On receiving a red alert, or at an appropriate time when handling amber alerts, the healthcare professional 9 can access the web pages using a remote terminal 11 and take appropriate action such as contacting the patient 1.
[0039]FIG. 3 illustrates the flow of the software on the patient-based data terminal 3 in a particular embodiment of the invention. After starting 30, the application displays the current day of the treatment cycle and optionally advice as to whether medication is to be taken or not. The display of the day of the cycle is based on the counter reset by the healthcare professional at each clinic appointment. In step 32 the application sends any previously entered unsent data (for example if a connection was not previously available). In step 33 the patient may select between the options of viewing charts of their condition, taking readings (i.e. entering data), troubleshooting or quitting. In the case of entering data, in step 34, following entry of the patient's temperature, it is decided whether the patient should be asked to check their temperature again within a short time, for example one hour, or not. If not, the patient is asked to confirm the entered temperature at step 35, but if so a message is displayed asking the patient to repeat the temperature reading again, for example within an hour, and the repeat temperature is entered at step 36.
[0040]In steps 37 to 40 it is checked whether the patient has already entered two sets of data for that day. The system is designed to prevent patients entering more than two sets of data and in the event that they try to do so the patient is asked to contact their healthcare professional. Steps 41 to 43 allow the patient to enter data on the other symptoms they are experiencing and in step 44, following completion of data entry, the charts showing the patient's condition are displayed. During this time the data terminal 3 transmits the data, if a connection is available, to the remote server 7. On checking at step 45 that the transmission is finished the patient can be advised at steps 47 and 49 that they will be contacted if they have a red alert, or can be advised at step 48 of the failure to transmit and the need to contact a healthcare professional if they have a red alert.
[0041]FIG. 4 illustrates the processing of the temperature reading. As will be understood from FIG. 4 if the temperature is greater than or equal to 38° C. a red alert is generated in step 50. If the temperature is borderline, i.e. between 37.5° C. and 38° C., the patient is requested in step 51 to take another reading within one hour. If this reading is not taken then a red alert is generated at step 52, or if the temperature has risen above 38° C. a red alert is generated at step 53. Otherwise if the temperature is still above 37.5° a red alert is generated at step 54, but if not an amber alert is generated at step 55.
[0042]The cumulative toxicity displays, one of which is illustrated in FIG. 6 for example, show the last 21 days' worth of data. Preferably data from the current medication cycle is shown with a different coloured background from older data. Each day is separated into two time slots to allow display of both 12 hour data entry periods.
[0043]As mentioned above alerts may be generated as a result of checks on the data, or lack of data. Checks for lack of data (compliance checks) are preferably made by the server software twice a day, and the current and two former timeslots are analysed. If no data is found then a red alert is generated. Time dependent alerts (24 or 48 hours of symptoms) are also generated if there has been no data recorded within the current or previous time, but previous timeslots contain the requisite symptoms (i.e. a lack of data is regarded as a worst case).
[0044]It will therefore be appreciated that red alerts generated as a result of data entered by the patient are transmitted immediately on receipt and processing of that data at the server 7 to the healthcare professional's pager 13. On the other hand red alerts generated by lack of data are transmitted when they are generated at the regular compliance checks on the server 7.
Patent applications by Lionel Tarassenko, Oxford GB
Patent applications in class Via monitoring a plurality of physiological data, e.g., pulse and blood pressure
Patent applications in all subclasses Via monitoring a plurality of physiological data, e.g., pulse and blood pressure
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I just want to change a running task's priority to realtime, but the taskmanager won't let me do it. If I try it, it'll just tell me that it can't change to realtime and then changes it to high instead.
I created a link to the task manager. Ran the link as administrator. And still no luck.
Any ideas?

subset: commoncrawl


text:
FDA Finds Violations of Good Manufacturing Practices at Suspect Plant
Jan. 27, 2009 -- The FDA today encouraged consumers to keep checking the list of peanut butter product recalls related to the ongoing salmonella outbreak because that list is likely to keep growing.
"We expect the list of recalled product to continue to expand," Stephen Sundlof, DVM, director of the FDA's Center for Food Safety and Applied Nutrition, said today at a joint FDA-CDC news conference.
As of Jan. 25, the CDC had reports of at least 501 people in 43 states and one person in Canada sickened by the outbreak strain of Salmonella Typhimurium, and eight deaths that may be linked to the outbreak.
The latest case reported to the CDC began on Jan. 9, and the outbreak is ongoing, though the number of new cases has "decreased modestly," Robert Tauxe, MD, MPH, deputy director of the CDC's Division of Foodborne, Bacterial and Mycotic Diseases, said at the news conference.
The FDA has traced the source of the outbreak to a Peanut Corporation of America (PCA) facility in Blakely, Ga. The FDA has finished investigating that facility and found deficiencies in the facility's good manufacturing practices.
Those problems included about 12 incidents during 2007 and 2008 in which the PCA's internal testing detected salmonella and released the products after retesting, sometimes done by a second lab, according to Michael Rogers, director of field investigations in the FDA's Office of Regional Operations.
Besides the Salmonella Typhimurium strain that has caused all of the reported illnesses, health officials have found three other salmonella strains tied to PCA products. One of those strains was found in an unopened tub of peanut butter; the other two were found in cracks in the floor of the PCA's Blakely plant.
The PCA, in a statement released to the media, says the company "has cooperated fully with FDA from day one during the course of this investigation. We have shared with them every record that they have asked for that is in our possession and we will continue to do so."
Peanut Butter Recalls
Nearly 400 products have been recalled, according to the FDA's web site, which includes a searchable list of the recalled products.


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Try this Steamed Salmon Fillets recipe, or contribute your own.
5 people want to try | 6 have favorited
1. Fill the bottom of a steamer about half full with water and vinegar. Place the fish fillets on the rack of the steamer. Add salt sparingly and then sprinkle each fillet with coriander. Place 1 sprig rosemary or dill on each fillet. Cover, bring to a boil, and steam 5-6 minutes or until the fish is tender when pierced with the tip of a knife and has lost its raw look. To Plate: Place the fish fillets on warm serving plates, then spoon warm Fennel Yogurt Sauce over and around them. Position cucumber fingers and potato halves in spokes radiating from fish at the hub. (Do not remove the rosemary from the fish. Sprinkle with freshly ground pepper. Pats variation: Grilled, without oil, in ridged griddle; vinegar omitted; served with lemon wedges. Menu for Four * Salmon (7) * Fennel and Yogurt Sauce (20) * Steamed Parsleyed Potatoes with Cucumbers (15) [ 357.6 CALS, 6.1 G FAT (15.2% CFF) 422 MG SODIUM ] The book is based on the PBS series: Pierre Franeys Cooking in Europe". Recipe by: Pierre Franey Cooks with His Friends Posted to EAT-LF Digest by firstname.lastname@example.com on Feb 27, 1999, converted by MM_Buster v2.0l.


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Nice Sig.
You really can't go wrong with a 226.
This is a discussion on Pic of my Sig P226 Elite within the Defensive Carry Guns forums, part of the Defensive Carry Discussions category; My wife and I will be taking our concealed carry class in September, but I wanted to post my first handgun. Though I will probably ...
My wife and I will be taking our concealed carry class in September, but I wanted to post my first handgun. Though I will probably get another handgun for carry I wanted to show a pic of it. I am finally a handgun owner.
Nice Sig.
You really can't go wrong with a 226.
Battle Plan (n) - a list of things that aren't going to happen if you are attacked.
Blame it on Sixto - now that is a viable plan.
Learning to shoot again : Starting Over
Nice grips! Tough to beat the looks of good wood grips. I've only shot one SIG. It fired everytime I pulled the trigger, so what's not to like?
Retired USAF E-8. Official forum curmudgeon.
Lighten up and enjoy life because:
Paranoia strikes deep, into your life it will creep. It starts when you're always afraid... Buffalo Springfield - For What It's Worth
Some folks would consider that P226 to be a perfect carry piece.
Looks good. Enjoy it!
*WARNING - I may or may not know what I am talking about.
That is beautiful, I have been considering the P229 Elite Stainless myself. I hope it serves you well and Congrats.
Very handsome handgun. Enjoy it.
When I leave the home port:
S&W 642 Airweight, Ruger SP 101, Colt Detective Spec., CZ RAMI, Kahr PM9, Kahr CW40, S&W Model 10-7, Glock 30, 19, and 26, Browning Hi Power, CZ82, Colt Commander, Dan Wesson PM7, Ruger LCP
Very sweet pistol. Congrats.
"The Second Amendment: America's Original Homeland Security"
Sweet lookin' Sig. Congrats.
Police Defensive Tactics, Firearms, Carbine Rifle and Taser Instructor
Glock Armorer
NRA Life Member
It is better to have your gun and not need it, than to need it and not have it!
You cannot choose the conditions for a gunfight, so train in all conditions!
Congratulations on your Sig. I love my G19, but have been looking hard at a Sig. Yours is a good looking firearm. Welcome to the forum and the hand gun world. Make sure you get some training before you start to carry.
That is a SEXY gun!
Carry-S&W 642
HD-Remington 870
The Dalai Lama:"If someone has a gun and is trying to kill you, it would be reasonable to shoot back with your own gun."
I really like that gun. The grips look great. I would love to own one myself. Enjoy!
Very, very nice!
Indusrtrial Machine Tool Technician - Certified Refrigeration Technician - CET
NRA Life Member
My first handgun was this pistol - except I got a weird duck - an early P226 Elite that didn't have the slide marked "ELITE", nor the front cocking serrations, nor the fancy wood grips. It does have the beavertail frame, night sights, SRT and short trigger. You'll enjoy it. It's my HD gun now. I carry either a Glock 19 or a Kimber Ultra CDP II.
Thats very nice, nothing wrong with a Sig.. congrats
Thanks for all the nice comments. Proud to own it.


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Harley Quinn by kimchikawaiiWatch
©2013-2016 kimchikawaii
Just a little chibi style Harley I've been working on off and on here when I get the chance She's just for fun only, I won't be selling her as I do not own the rights to her.
Harley property of DC Comics.
Fanart by Kimchi Kawaii.
Harley property of DC Comics.
Fanart by Kimchi Kawaii.
omg so cute... wish I could buy this as a figure :[
Aww cute! ;D Cool beans! <3 Harley is awesome.
I bet it would look cool if you drew Zatanna too
Thank you! She's probably my favorite female comic book character. I keep meaning to do a cosplay of her.
So cute!
Beautiful work.


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Just dashin' here - with walkthrough by FontesMakuaWatch
©2014-2016 FontesMakua
A quick break from work. Ok, not so much, since this thing took about 2 hours. Still, fun stuff.
Walkthrough: www.portalgraphics.net/pg/illu…
Megaman X © Capcom.
Walkthrough: www.portalgraphics.net/pg/illu…
Megaman X © Capcom.
This piece is really detailed, especially within face and body detail. The hands are perfectly done. Shadows, once again are very realistic. The left arm does seem just a hair short but, that is very barely noticeable. The helmet practically fits perfectly with the word so props and benefits for that. The teeth are very grind-like and the upper lip properly points out on the right side of the face, just something I personally notice that I really like in this piece that you did. Overall, I think that this piece is extremely well done, it is very innovative and finally, I really enjoy your style that seems to bring a sort of more realistic-robot look. 9.2/10 Just kidding, I don't do numerical reviews. Really though, I just did. 9.2/10, really though.
The Artist thought this was FAIR
3 out of 3 deviants thought this was fair.
You can feel his momentum. The blurring you've used on his legs is very effective.
This looks amazing bud!
This looks amazing bud!
"Com licença, vou passar!" Não sei porquê mas a imagem do X a dizer isto nesta pose veio-me á mente XD
Very great
That's some nice movement.
Awesome work.


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Jill: Fearless Leader by LoneWolf117Watch
©2013-2016 LoneWolf117
from where you get this costume ? and link me please?
That is amazing !! Totally love it.
Her hair looks so gorgeous
Wow, nice work! I love that whole soft glow going on there.
This Is Awesome, I Left Ya A Lot Of Favs Dude!!
Awesome!! I think Jill is so beautiful here!!!
Jill is incredible, I agree!
Jill, you are so beautiful *.* That's my favourite version of Jill, with short brown hair. I mean, she always looks pretty but I think those look is the best for her
this is brilliant!
It looks amazing, I really love the colors here... Nicely done
I do love this pic ^^ Showin' Jill as what the title says. Not much doubt nor intimidation to be found.
oh wooow,this is perfect! :3
she looks so beautiful..almost so real!
just... hnnng <3
she looks so beautiful..almost so real!
just... hnnng <3
Oh wow this is gorgeous!
Awesome! The lighting and pose is superb!
I thougt it was cosplay !
Freakin nice and epic
Freakin nice and epic
Gorgeous! Jill is so beautiful
Look likes cosplay! O_O
Very awesome
~BlackPatchouly does such wonderful Jill cosplays I was hoping it'd be reminiscent of that!
Thank you!
Thank you!
Mind blowing!
This made me smile
Simply stunning!!!
This is just plain beautiful!
Wouha! Beautiful
I challenge you, Would you be able to make a fanart of Jill Valentine in Ladybird?
<333 <33333 Jil....


text:
Book your room at Super 8 Brockton
Get an overview of this hotelHotel in Brockton with free breakfast and 24-hour front desk
Situated in Brockton, this hotel is 0.9 mi (1.5 km) from Fuller Craft Museum and within 3 mi (5 km) of Brockton Fire Museum and Campanelli Stadium. Rocky Marciano Stadium is 2.4 mi (3.8 km) away.
Hotel Features
Along with coffee/tea in a common area, this hotel has a 24-hour front desk and free newspapers. Free continental breakfast, free WiFi in public areas, and free self parking are also provided. Other amenities include RV/bus/truck parking and a front-desk safe.
Room Amenities
All 57 rooms offer free WiFi, TVs with cable channels, and hair dryers. Phones and ironing boards are also available to guests.Would you like to give us feedback? Share it! Opens in a new window
Super 8 Brockton385 Westgate Dr Brockton MA 02301
Hotel Amenities
Hotel Amenities
A complimentary breakfast is offered each morning. High-speed wireless Internet access is complimentary. This Brockton hotel also offers coffee/tea in a common area, complimentary newspapers in the lobby, and a safe deposit box at the front desk. Complimentary self parking is available on site.
- 24-hour front desk
- Coffee/tea in common areas
- Free newspapers in lobby
- Elevator/lift
- Free breakfast
- Free RV, bus, truck parking
- Free self parking
- Free WiFi
- Number of buildings/towers - 1
- Number of floors - 2
- RV, bus, truck parking
- Safe-deposit box at front desk
- Total number of rooms - 57
Family Friendly Amenities
- Cribs/infant beds (complimentary)
- Free Wi-Fi
- Microwave (on request)
- Refrigerator (on request)
- Rollaway/extra beds available
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi
Free self parking, RV, bus, truck parking, Free RV, bus, truck parking
Room Amenities
- Air conditioning
- Cable TV service
- Connecting/adjoining rooms available
- Free cribs/infant beds
- Free WiFi
- Hair dryer
- Iron/ironing board
- Microwave (on request)
- Phone
- Refrigerator (on request)
- Rollaway/extra beds available
- Television
Where to Eat
Guests are offered a complimentary continental breakfast each morning.
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible bathroom
- In-room accessibility
- Roll-in shower
Hotel Policies
Check-in time starts at 3 PM
Minimum check-in age is 21
Check-out time is noon
Payment types
- Pets not allowed
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
Optional extras
- Rollaway bed fee: USD 10 per night
Hotel Name
- Super 8 Brockton
- Super 8 Hotel Brockton
- Super 8 Brockton Hotel
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We should mention
The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.


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Nintendo Direct: special Luigi-focused episode confirmed for Japan
Nintendo of Japan has revealed that is holding its own Nintendo Direct webcast alongside today's European and US shows at 3pm BST / 4pm CET today. It's all green and Luigi-flavoured.
The Nintendo tweet came along with the above image and confirmation that the 'Nintendo Direct Luigi Special 2' episode would air alongside the European and US feeds.
Both the 3DS and Wii U will be mentioned in the Japanese show, while the Western episodes are 3DS-focused.
Would you like to see another Luigi game announced? How about the original Luigi's Mansion on Wii U Virtual Console? Let us know below.
Thanks Nintendo Life.
Sometimes we include links to online retail stores. If you click on one and make a purchase we may receive a small commission. For more information, go here.


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EXCL. PREVIEW: "Hal Jordan & the Green Lantern Corps" #1 Enforces 'Sinestro's Law'
Comic Books
Here is the latest cool comic book moment in our year-long look at one cool comic book moment a day (in no particular order whatsoever)! Here's the archive of the moments posted so far!
Today we take a look at the journey of Chalky White, and seeing as how it's in a Chris Ware comic, well, let's just say it is not an easy life for Chalky…
Acme Novelty Library #17 continues the story of Rusty Brown (which began in #16), an exceptionally nerdy young fellow living in Omaha, Nebraska in the 1970s. It is also the story of Chalky White, another exceptionally nerdy boy who just moved to Omaha with his sister and his mother.
In the first part, Chalky is given Rusty's desk at school – what no one knew at the time was that Rusty had brought his cherished Supergirl action figure to school with him (against the rules), so Rusty, naturally, has been freaking out about the fate of Supergirl. Chalky, meanwhile, upon seeing the Supergirl figure, realize that he and Rusty likely have a lot in common – so how does he manage to relate to Rusty?
I'm going to show you a quick scene of the two interacting (click to enlarge the pages), and since these pages are more casually cruel than they are "cool," I'm going to then show you a piece Ware does inside the comic that is more on the "cool" side – a diagrammed "life of Chalky White" – it's quite amusing (and sad, too, of course).
Ware is an amazing comic book creator. One of the best ever, really.
Shit. Ware always gets to me. He's master at what he does while at the same time presenting his work as anthesis to every comic out there because he strips his work of any hope. Fitting the very definition of "anti-life" if you will.
Jimmy Corrigan continues to be a prized possession in my collection.
I feel like I'm in a small minority here, but I just don't get Ware's appeal to people. What little I've seen of it has seemed sad and repellant. I just don't enjoy reading that in my comic books and comics. Not everything has to be big fights and monster-punching, but Ware's stuff just seems too dark, too obscure and too real for me to enjoy. And boring.
Again, I know I'm in the minority here, but I'm getting tired of what seems like a lot of independents and marginal stuff recently in your daily Cool Comic Book Moments. How about a return for a while to big superhero moments, preferably from days gone by?
I can't say that I like Ware's work, but he's an amazingly talented guy — even though I don't enjoy reading his stories., it definitely affects me. Very evocative stuff.
I don't really care for Chris Ware either; his work always make me angry or sad, especially the Rusty Brown series. Yet I read almost anything by him and I can't explain why. If comics are suppose to elicit a response on an emotional level, then Ware is a master at that because no mainstream comic or creator can get that out of me (other than a really bad, "why did I buy this" book). There is brilliance in his stuff, but it's depressing to witness.
nice to see chris get some love on this list though thought the meaness of the bullies to Rusty and Chalky over their supergirl was not nice. this shows that chris is one talent who could make the big two go omg his work is amazing
I feel like the "Cool Comic Moments" kind of petered out a few weeks ago.
The last few have been…OK, I guess, but this is just…bad. This is a joke, right?
What's cool about this?
I guess I'm old and un-hip, but the story is not fun or moving or emotional. It's kind of a bland "very special episode" kind of after-school special feel.
The artwork and the layout are…pedestrian, I think is the word.
If this is a "cool" example of Ware's stuff, what can the rest be like?
Let me cast a vote for more indie stuff. We've had plenty of superhero moments.
Chris Ware has mad skillz; for his own reasons, he chooses to use them to depict misery, alienation and futility. I'd find a steady diet of his stuff pretty wearing, but in small doses it's very pretty to look at.
Doug M.
Here's what I know about Chris Ware- He goes out of his way to make his art "lifeless" as he can get. there's no cutesy, humorous formula to play with. It is almost as if you're looking at cold, emotional reflection of the world itself and you don't like what's looking back at you. Whether you like him or not is matter of taste, but you can't deny the man doesn't have skill in provoking an emotional response.
Everything Ware does is worthy of its presence in "A year of cool comic book moments" this is just one of the better, highly compressed example of Ware's skill.
Shit, I gotta get myself more Chris Ware's works..
I'd find a steady diet of his stuff pretty wearing, but in small doses it's very pretty to look at.
It really makes his publishing style work, in that regard.
One giant comic every year.
That way you're not getting the pain every month. Just once a year.
And I'll second Doug in a vote for more indie stuff. How about some Seth and Jason's works??
Surprised there hasn't been a Promethea entry. The whole damn series is chockfull of cool moments with J.H. Williams III going ultra-epic.
Everything Ware does is worthy of its presence in "A year of cool comic book moments" this is just one of the better, highly compressed example of Ware's skill.
Yeah, it's really difficult finding compressed examples.
Just flipping through this specific issue, for example, there's tons of brutal moments.
Here's a quick example:
Alice White is Chalky's older sister – she's displeased about moving to Nebraska as well, and losing her very best friend, Gretchen.
While she's complaining about her mother (I believe it's to her diary), we get this quick bit…
He captures the exquisite sadness of Chalky while also the even more impressive reaction of his sister, who is taken aback by this expression of unfiltered emotion.
What makes this a cool comic book moment is that it is a supreme example of masterful literary storytelling, greatly enhanced by the use of the comic medium.
I would bet money that if you replaced the characters in that top panel with a couple of superheroes, and placed it in a story where it was the aftermath to a big battle where one of the team was lost, people would be falling over themselves to praise the innovative layout, the stark design reflecting the emotions of the characters, the unique use of the comics medium etc etc.
The praise that gets heaped on the silent issue of GI joe or Alpha flight or the Ditko scene of spider-man under the machinery is equally valid here.
I mainly buy superhero comics, but I like comics – the medium – and this sort of thing is as much why.
Thanks dr matt.
Also, while a computer screen is definitely not the best venue for Ware's work, to call his design and draughtmanship pedestrian is… well I can only hope that was satire.
Also, while I can appreciate that his work is depressing, I've always found it to be cathartic. Reading Jimmy Corrigan was one of the most therapeutic experiences of my life and I found the ending to be very uplifting.
Agreed, Julian.
The artwork and the layout are…pedestrian, I think is the word.
You think his layouts are pedestrian???
You may not like his stories or artwork, which is cool, but to say his layouts are every day is just blatantly untrue.
His work has a look and feel all to it's own, and he constantly plays with layouts.
Unless I've missed all the other books with 31 panels to a page…
Yeah, it's sad, but it's also hilarious. I feel like people miss that Ware invites you to laugh about our pains.
Ware and Kirby constantly compete with my favour as best comic book creator ever. I certainly have enough love for both. No way is Chris Ware anti-life. How is a poignant show of life' s sadness and cruelty anything but infused with some of life's most powerful and abiding moments. We are are tears as much as our laughs. Ware is the farthest thing removed from misanthropy and nihilism that comics has to offer. Compare the profound sympathies for the human condition that Ware expresses on these panels Brian has kindly shown us to the nasty, truly depressing and rather unredeeming measures of violence that repeatedly show up in contemporary death soaked Big Two superhero comic books (especially DC). Ware is a bright light compared to some of the mainstream stuff.
Well said, benday-dot.
I like seeing the indie stuff here. Even when I don't like the scenes, it's still cool to see new stuff that I'm not familiar with.
He is great, but his work is WAY too depressing. He could be my favorite comics author if he did work I could read without getting depressed myself.
Life is to short to dwell in something else's misery.
But I'll buy anything he does.
Hunter (Pedro Bouça)
I think this is only the second time I've seen an example of Chris Ware's work (I believe Brian may have posted another example of his work in one of his other columns somewhere), and I have to admit, it just didn't click with me. It didn't click with me, that is, until I read that brilliantly poignant panel Brian just posted in the comments with Chalky's sister taking his glasses off in bed. There's a real emotional juxtaposition there – I completely sympathize with poor Chalky, wondering why the cold cruel world out there is so hostile to him when all he's doing is being his own honest-to-goodness self – after all, he's just a kid and that's all he knows how to be. Simultaneously, I totally get the sister looking down at this little dweeb clutching his super hero action figure and reeking of snack foods and is so clueless as to not understand what it is about him that the nobody likes. It's sad and tragic and smirk-inducing all at the same time.
I'll think I'll have to give Chris Ware a shot now, but I think I'll approach him tentatively and only in small doses. I've always been aware of the keen beauty there is in sadness, but a read like this is just too heavy to take in large installments.
Thanks again Brian for turning me on to something I probably wouldn't have otherwise even known to check out.
This is amazing. I really like th eindy spotlights.
As for the people who don't like it over the SH stuff… maybe a bit more of a mix, rather than a bunch o findy stuff in a row. SH Monday, Indy Tuesday etc.
It's very well put together, and while parts of it could be universal, I must say, after reading American indie comics and seeing movies/TV shows about school, it makes it seem like all Americans had shitty, brutal times at school.
Well, then, if people like indy stuff so much and we're going to have more here, how about some Strangers in Paradise? I don't recall if we've already had some here and there are certainly many cool moments in that series. And I certainly second a vote for Promethea, and would add Tom Strong to that as well.
Call me callous, but I don't really feel for the kids. I got picked on sometimes myself as a kid, but I got over it pretty easily. Life sucks sometimes.
That being said, though…I liked the sounds effects in the snow.
I like you Chalky!…boo hooo hoo!
Ware's stuff is incredible. Almost as incredible as some of the comments.
This is beautiful! Thanks, Brian (I know I'm four years late, posting here, but hey).
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Definition of costmary
: an aromatic composite Eurasian herb (Chrysanthemum balsamita syn. Tanacetum balsamita) having leaves used as a potherb and in flavoring
Origin and Etymology of costmary
Middle English costmarie, from coste costmary (from Old English cost, from Latin costum, from Greek kostos, a fragrant root) + Marie the Virgin Mary
First Known Use: 14th century
Rhymes with costmary
baneberry, barberry, bayberry, bearberry, bilberry, blackberry, black cherry, blaeberry, blueberry, Bradbury, bunchberry, Burberry, canary, chokeberry, chokecherry, cloudberry, contrary, cowberry, cranberry, crowberry, deerberry, equerry, gooseberry, ground-cherry, hackberry, Hail Mary, inkberry, Juneberry, knobkerrie, library, mulberry, nondairy, pokeberry, primary, raspberry, rosemary, scalare, shadberry, snowberry, soapberry, strawberry, summary, sweet cherry, teaberry, tilbury, tooth fairy, twinberry, unwary, vagary, wheat berry, wolfberry, youngberry
Learn More about costmary
Britannica.com: Encyclopedia article about costmary
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I'm not sure you can argue the depth of squad both ways. You seem to say that AVB hasn't worked magic as he had a squad to start with, then bemoan the use of Carroll/Livermore because the squad is light.
In the summer, between managers, there was a bit of dealing. We did lose a large part of the squad. The obvious big players (Modric,VdV) went and we also lost what I would class as good squad players (Corluka, Krancjar, Pienarr, Saha, Dos Santos, Bassong) - Pav I think had already gone, and Ade went back to Citeh. And Ledley retired. As for the 'ins', we seemed to have already been linked to Glyph and Vertigo - both 'Levy' style purchases. Dempsey/Dembele looked more AVB than Levy to me.
I'm not sure how much input AVB had in all that movement. The appearance (to me) seemed to be a clear out to get squad costs down. But we still ended up with Jenas, Bentley, Gomes left - and T'Hudd/Daws.
It was an odd pre-season and JJ and Bentley seemed to get pitch time, as though they may get a chance, and Daws and T'Hudd were heavily linked with moves away and AVB apparently also saying they were surplus.
So, to me, given the state of the squad after the cull and with Ade's status up in the air at the start of the season, the results under AVB haven't been too bad.
I'm not saying that I'm convinced by him either though, as I agree and to me the performances belie our position, just that overall, given the loss of VdV/Modric, and the lack of Ade for a large part of the first half of the season, and the cull of the squad (which didn't look to be AVB) - then the position is good. AVB, like any manager/player then needs time to show what he can do.
I thought with the changes in staff and manager, 6th would have been good. Now, at least for this week, we're still in with a shout for 4th/3rd.
The next summer window will then allow AVB to get who he wants - and there can be no more excuses for AVB than there were for 'arry or Jol in the transfer market. Either you believe that the manager is solely responsible for the transfer policy at Spurs, or you see the influence of Mr Levy. I saw the influence of Levy's hand last summer - mainly his hand.


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Once again you've shown your financial cluelessness. The FDIC is on the hook for $143 billion only if WAMU has $0 in assets, which clearly isn't the case, even if you write their mortgage investments way down. Stop fear-mongering.
You should also read this.
But don't let me stop you from spouting off on things you know nothing about.
@1 you leave Jonathan alone, and learn something about the difference between balances and cash flow before you pretend to know anything about what's going on yourself.
If the depositors at WaMu make a run on it, then those deposits could would become immediate liabilities, while it's assets, whatever they are worth, would not produce much significant immediate cash-flow, forcing the FDIC to borrow to cover deposits. THAT's the point.
Kinaidos - Actually I've spent some time looking at their financials, can you say the same?
Given that the FDIC has taken over there will only be a run on the bank if people like Golob keep scaring people into thinking they're not going to get their money.
Cute the way he edits his own posts after-the-fact to address issues that people bring up and make himself appear a lot more reasonable than he is.
Um. I have a day job. I'm writing this as quickly as I can.
Yes, the first versions missed some of the nuances you bring up. I also, in bold in the original post told people not to panic and their deposits are insured.
I can only write so fast, particularly when I'm reading.
God. I've just read the comments and am realizing that the worst things you can be to some people is right about their mistakes. What are you @1, @2 and @4? WaMu executives?
Thank you kinaidos.
The legal details of the transfer are murky and quite probably not full settled yet. What is important to WaMu depositors, though, is that their bank will continue to function like a bank (clearing checks, accepting deposits, paying withdrawls). They will not have to fill out some FDIC form and wait weeks for some burocrat to process it before accessing their money.
You might also have waited the 50 minutes it took for this report to appear.
Look, you're a journalist and as such it's your shtick to make people care about this kind of thing by playing up two angles: 1)it's happening to you, here and 2) it's the end of the world. I get it. It's just too bad that reality doesn't want to cooperate with that particular narrative.
When this whole financial nightmare is resolved, it's definitely going to cost you and me and the average citizen, it's just going to do so in the totally boring way of raising everyone's taxes and increasing unemployment.
The gov't will not let retail depositors lose money covered by the FDIC. Point blank if it comes to it, we will print money to avoid that. More likely though treasury securities will be sold to cover any need amounts.
I predict downtown will be overwhelmed by drunk bankers tomorrow afternoon.
@5 No offense, I mean I really love your writings on science, but this shit is important. With an audience comes a responsibility for due diligence and accuracy. There is enough misinformation, intentional or otherwise floating around, and enough people panicking, without adding further fuel to the fire.
Here's my best guess as to what's going down. JP Morgan will take on WaMu's liabilites (*buying their deposits* is how it's described which is a funny way to describe it). They will be paid by taking on some of WaMu's branches as assets.
So, JP Morgan is NOT buying WaMu.
WaMu is being seized by the FDIC, and it's assets are being parcelled out as compensation for JP Morgan and possibly others how will take over it's liabilities. As of tomorrow morning WaMu will cease to exist as anything but the name that describes the assets that the feds are spinning down into saleable goods.
MOST or at least MANY WaMu employees probably have little to worry about right now. Assets here mean going business concerns and that means employees doing their normal jobs. Longterm though it's not good news.
This is pretty close to a worst case scenario for WaMu employees I suspect, well next to giant wamu employee eating blancmange.
Fair enough. I'm as close to a financial analyst as anyone who writes for the Stranger.
I still defend even the earliest versions of this post--covering an ongoing and messy event--as having a clear statement that deposits are insured by the FDIC. For the weeks I've written about WaMu, I've never advised people to leave the bank. I've consistently suggested:
1. People have a small cushion of cash, perhaps a little larger than usual, to cover a few days expenses.
2. Better documentation of their account than usual, printing out online statements and keeping them somewhere safe.
I did my best. There are a ton of places online and offline to read about this. I think I served my audience well, but if you have specific things you think I should've done better, email me at email@example.com or comment and I'll always acknowledge and correct.
Grrr, these posts by Jonathon are so frustrating. I keep thinking "good info, wow is that fucked up, hey... wait a minute... that makes no sense..." and then I scroll back up and see his name. Grr
In particular, check out this howler:
"the Federal government has the assets of WaMu. What are those? Whatever cash WaMu had on hand. Us as customers (recruiting new customers costs money.) The physical banks and ATMs. And a quarter trillion dollars in mortgage-backed securities (that no investors are willing to purchase, beyond cents on a dollar.) "
Ouch. In making his case, he neglects to mention that WaMu has investments other than mortgage-backed securities, that there are some grades of mortgage-backed securities that are doing just fine in the market, and that WaMu owns a lot of its real estate.
Are you really this clueless, Jonathon, or just so much more into sensationalism than accuracy that you're intentionally presenting half-truths because the full truth is only "really bad" rather than "completely outrageous"?
I'm calling WM a buy.
This JPMorgan looks pretty cool too.
I'm glad I left my money in Wamu because now I'm part of JP Morgan...one of the remaining solid commercial banks. I hope I can order new checks soon.
The other thing is that if you Google WAMU and JP Morgan, you'll see that they've been discussing mergers since 2006!
Could you do a post comparing local alternatives? Seattle Met, Boeing, Verity, Watermark...?
Jonathan, here's an idea - don't write about things you don't understand.
Who cares if you're the best qualified at The Stranger. I think we all know that's not saying much.
Telling people to print their account statements is the funniest thing I read all day.
Anyone reading SLOG for financial advice gets what they deserve anyway. But thanks for the chuckles.. this is truly a classic.
Wow, my mortgage is through WaMu. I've been faithfully making payments for over 10 years - I wonder what this means for people like me?
gee I thought WaMu had solid Northwest virtue backing them up, unlike those east coast monsters JP Morgan or Chase or that horrible Californian B of A.
Who's next to fail, Bartell's?
The Bon Marche???????
Mom @18, nothing changes. You still make your payments to WaMu, to the normal address, until you get a letter from JPM a year from now that tells you to make your checks out to JPM with a new address. Systems won't be merged until "late 2010".
good thing we couldn't short WaMu into the ground and at least hedge our risk. the stock market isn't a disease, it's a symptomatic indicator.
Is anyone really going to tell me anything different? The importance of stock price doesn't mean much outside of the sentiment that investors have. Investors react to information they receive. Credit rating doesn't hinge on stock price - they have a corellation but aren't indicative of what the other one will be. To presume the opposite would lead to ridiculous conclusions that aren't supported by evidence. It also presumes that any information made public wouldn't thusly be factored into the stock anyway, nor be affirmed by the rating agencies.
and for the most part, rating agencies report the past findings and thusly would be out of date of current stock prices. it's easy to see how a specious casual relationship can be drawn between the two though; "The stock went down and so did the rating, therefore the rating is influence by stock price, and not some third factor". Keep in mind that there have been instances where credit ratings were wrong,
Is there the ability to game the system? Sure; In theory you could purchase tons of CDS which make stock investors nervous. Then you short as much of the stock as possible. But the biggest risk to this scheme is what if you pick a company that isn't in risk of default? Well then you're fucked up the ass holding worthless swaps, getting short squeezed, and if you're really risky, you did this leveraged. The main point here is that one scheming in this manor won't be effective unless there is some actual basis on which to start the scheme.
And there are some inherent problems with using CDSs as a basis for company health too. They are mostly illiquid obligations. There is a huge market for them that often outsizes the debt they are derivatives of.
The idea that I just want to put to rest is that stock prices, CDS spreads and credit ratings don't shift without there being a reason for it; either tangible information or the risk of uncertainty.
The cable news is saying the bailout deal is being held up by the conservative house republicans. They had a big showdown in a meeting at the White House and basically said they aren't going for the big Paulson plan. Meanwhile over on Fox News, Dick Morris was saying this is McCain's big play -- he's going to make the Democrats cave in the way they always do and then go to the debate on Friday or whenever and say "I stopped it from being a $700B tax hike" whatever.
Standing up to Obama, seizing the issue etc.
This is because there is massive grass roots resistance to the "Wall St. bailout."
Note: this is informative only. I support the Obama position on this, though I'd like to hear him talk more about that equity stake.
Jost thought I would mention this as it appears to be shaping up into McCain's big play for a game changer.
(Note, too, that the Dems don't need the GOP votes to pass the plan they got accord on with the pres., but as usual, they can be counted on to be too wussy in their frantic desire for political cover and demanding that they get 100 Republicans in the house to go along. Damn them. They should just pass the plan they want and take the heat or the credit. Dick Morris' point was that McCain/GOP House members will force the Dems to water it down or change it and thus have McCain emerge as the "leader" on this issue...whether this will happen or work I don't know but clearly it's not just some wild McCain frantic fit...there's a strategy going on.....).
Yr. most humble correspondent,
@12 Its cool. Hell I'm an amateur economist too. You are one of the better and most responsive slog posters around.
And you know what really pisses me off about this scapegoating of shorting is that A. It created a false bounce at the end of last week due to people covering B. people bought on this false bounce and now lost their entire balance on it.
if shorts were allowed to do their job, then wamu and other financials would have never bounced back. owners of the stock could have demanded ridiculous premiums to borrow their shares for shorting and at least hedged the risk of wipeout.
JG, most of us are just reg'lar folks who want to know how our checking and savings accounts are affected and I think you did a great job of explaining that. Most of us don't give a rat's ass about the mix of investments, assets, and liabilities Washington Mutual may have had. We just wanted to know what's going on with our folding money. Thank you for dumbing it down in a clear manner. For those who are looking for a professional economist's assessment of things and are disappointed they aren't getting that, why are you looking here?
Ok asshats, you all need to settle down.
@1 - assets such as ...Preferred shares in Freddie and Fannie? I know, all those HELOC's & refi's on the books. The rule of survival right now in banking is simple - capital is king. WaMu can claim assets out their ass, but it doesn't matter because no one knows what the fuck those assets are worth.The basic functions of a commercial bank are to: take deposits, lend out money (responsibly) based on those deposits, manage the interest spread so everyone makes money and appease shareholders. There are other ways to acquire capital (brokered deposits, etc.), but at the end of the day you have to be able to produce customer's deposits ON DEMAND. WaMu can't do that right now, a direct result of their decision to go whole hog into subprime. Long Beach Mortgage - look it up and seriously; if you know so much about the world of high finance what the fuck are you doing here? Golob didn't present you his goddamn econ thesis - it's a post on a blog.
Let me say straight out that Jonathon is smart and, for the most part, well-informed. And in all of his financial writings he's gotten everything mostly (~90%) correct. So he deserves serious credit for that.
What I've objected to is the way that he jumps to the most catastrophic possible outcome each and every time. And this one was the most egregious because if he had waited just one hour he would have found out that his doomsaying was all for naught.
The situation is shitty and frightening enough without jumping to conclusions. Why not just report that? You do your self a serious disservice by always predicting the worst and being proven wrong. Chicken little, anyone?
Screw the bailout. What's so bad about a recession, assuming we've got Obama in the whitehouse. Recessions are only bad if you've got plutocrats in power. If you don't know what a plutocrat is, it's a pale aging flip-flopping good for nothing has-been who has learned to lie with those who butter his bread, and if you've watched Last Tango in Paris, you know exactly what that can mean. (I apologize to the three of you who are know imagining an aging Brando sodomizing Palin's aged running mate. Hey but at least they will always have Paris.)
Can anyone actually confirm that the FDIC "makes you fill out forms"? Because my understanding is that isn't what happens at all, and yet people like Golob keep repeating lines like this to scare people.
Not that it matters in this case since it's owned by Chase, but a little fact-checking maybe?
@30 - don't worry about deposits right now - the last thing JPM or their subsidiariaries are going to do is to spook their depositors. Business as usual for little guys for the indefinite future.
Here's a video bye-bye to WaMu:
It's a depression era fiddle tune from Kentucky. It was a classic performed by Andy Palmer of Jimmie Johnson's String Band. But somehow this pathetic geeky version seems more appropriate.
Anyone remember SeaFirst? Seattle seems to have a knack for accumulating towers named after busted banks.
Note the OTS (Office of Thrift Supervision)'s note on the seizure -
"Pressure on WaMu intensified in the last three months as market conditions worsened. An outflow of deposits began on September 15, 2008, totaling $16.7 billion."
In other words, there was a run on the bank, helped along by people like Golob making people think they might lose their money (by repeatedly emphasizing how much the FDIC had and how much WAMU had in deposits, as the FDIC wouldn't pay out 100%) and telling people that if the bank was seized they would have to fill out forms in order to get their money back.
Granted, Stranger readers in total probably had $6,321.34 in WAMU deposits, but it didn't help.
yes the local WaMU angle is interesting but back to the overall finance sector crisis:
"Democrats could decide to go ahead with their plan without Republican support. While this would ensure passage, it would essentially saddle Democrats with responsibility for a bailout package that has stirred up strong resistance among both Democrat and Republican voters -- with elections just weeks away.
House Speaker Nancy Pelosi, a California Democrat, earlier in the week said she wouldn't push the bill without Republican support."
Wow, what great party leaders we have. They will take action, if they get the other party to agree to it.
Seems like a time for new leadership. where is our Democratic leadership? Any Democratic leaders out there, or do they all think they should only do what they get their GOPmaster Masters and Lords to agree to?
Any Democratic leader out there......? Calling all leaders.......
Ironic that it's the Democrats teaming up with the Bush WH in favor of a plan, with the House Republicans opposing their President's plan.
PC, the point is that this is going to cost the taxpayers hugely and if the Democrats pass it without the Republicans they'll use it against the Democrats for the next 20 years. And effectively too, given the mood of the country against the bail-out.
I am a little guy who knows next to nothing about the financial world and i chose to keep my wamu account based in part by golob's reporting. He didn't freak me out, man.
Since the top 10% pay about 80% of income tax doesn't that mean that those that profitted the most from the market will pay the bulk of this?
We could have even a higher progressive tax and of course the rich make too much but the whining that the tax payers will be picking up the bill just doesn't cut it.
I wonder if there will be any criminal investigation into Kerry Killinger. He's on the Safeco board, too.
@19 -- B of A is NOT a Californian bank, any more than WaMu is/was. The original B of A (a San Francisco bank, yes; founded as the Bank of Italy) was bought by Nations Bank of Charlotte, NC, who promised that they would maintain the same respect for their customers, commercial integrity, and community service standards as B of A always had -- and then promptly trashed their empty promises, re-branded the combined banks, and bullied their way through the Western half of the country, which was all they wanted: a foothold in the West. What is now known as Bank of America bears no resemblance whatsoever to the Bank of America that Nations Bank bought and destroyed.
@19, BAC hasn't had a California HQ since 1998. Your a decade behind, you dipstick.
Why do posters keep responding to the PC trollbot? Boredom?
@20, nothing in any of the WaMu coverage mentions who exactly takes over the mortgages -- it doesn't seem to be JP Morgan Chase, though...
tictoc @ 35 - same here, no panic. I left my money in there partly based on Golob's explanation. I can't help but think the angry people in this thread are interested parties who are here to perform spin and damage control for their bosses.
From the NYT, which has a fantastic article up right now:
Federal regulators had been trying to broker a deal for Washington Mutual because a takeover by the F.D.I.C. would have dealt a crushing blow to the federal governments deposit insurance fund. The fund, which stood at $45.2 billion at the end of June, has been severely depleted after suffering a loss from the sudden collapse of IndyMac Bank. Analysts say that a failure of Washington Mutual would have cost the fund as much as $30 billion or more.
That's why I kept bringing up the concerns (not just my concerns) about what a WaMu implosion would mean for the FDIC.
And @32.
Yes, I started writing about WaMu's troubles around September 15th... when depositors starting pulling out money... because WaMu's bonds were steadily rated down to junk at that point. Respectfully, the bond rating agencies probably have more influence than I in creating a "run."
Ff @ 28: Thank you. That is a fair critique. It was the conflicting reporting--and that WaMu itself didn't know of the situation--that got me a bit spooked around 5:30p.
OK, let's tell some TRUTH.
1. Yes, your individual deposit (checking, savings, CDs, NOT BONDS, NOT STOCKS) is safe for $100,000 per person (unmarried) at WaMu.
2. Your IRA (that part in checking, savings, CDs, NOT BONDS, NOT STOCKS) is safe for $250,000 per person (unmarried) at WaMu.
3. If married, you only get a second coverage if it is IN YOUR NAME ONLY. As in both accounts are in SEPARATE and NOT JOINED names.
4. Just because your money is safe doesn't mean you can access it.
5. If you have automatic deposit and NO MORTGAGE or LOANS that require direct deposit, you would be smart to divert your second paycheck to another financial institution - PREFERABLY A LOCAL CREDIT UNION.
Oh, and don't stop paying your loans or mortgages or bad things WILL HAPPEN.
Alas, poor WAMU.
I didn't take my money out and contribute to the big ol' bank run, I just started putting new money into my new BECU account (born on date: 9-15).
Amazing, I never thought I'd live to see 1929.
Golob--keep all these posts coming (and Dear Science!). You have become one of my favorites on Slog and in the Stranger. Thanks for being willing to distill complex, layered, changing situations into thought-out talking points. V. helpful for those of us that want to be engaged but may be need help getting caught up.
Wow..I really shouldn't have bought the stock last month thinking it was all an overreaction.
Guess its PBR all weekend for me...
Smart move, brent.
Perhaps other comments have already noted this, but one of the write-ups tonight point out a painful reality in this end-game.
It was barely six months ago, if that, when Chase offered $8 per share for WaMu.
But instead of taking the offer from Chase, then-CEO Killinger turned it down in favor of a private-equity capital infusion. Many speculate that Killinger chose this route out of pride and a chance to preserve his job.
Now what?
1) Killinger was run out of the bank three weeks ago with a $20+ million golden parachute.
2) The private equity investors lose all $7 billion of their investment
3) and, oh yeah, those stocks that so many employees own, which could have been worth $8, are now worthless. Literally worthless.
The coming weeks will bring stories of employees whose life savings have evaporated. Shades of Enron and other tales of brazen greed and pride.
Christ, it's lord of the bloody flies.
Jonathan, for what it's worth, I think your reporting has been and remains superlative in every meaningful respect.
Will @44, your "TRUTH" is seriously lacking. THERE IS NO INTERRUPTION TO DAY TO DAY OPERATIONS. If you had 20,000,000 in your WaMu savings yesterday, you still have 20,000,000 in your WaMu savings today, only now it's backed by WaMu AND JP Morgan capital. There is NO interruption to your accounts, your funds are just as liquid as they were yesterday (although you're now more protected from any run on the WaMu bank). While your statements (and Golob's) about FDIC insurance are factual, it has NO relevance to the action the FDIC took yesterday.
Thanks for your posts on this, Jonathan. The only people to blame for Wamu's demise are the stupid, stupid greedy execs who wanted to make a bunch of money off mortgages. All this "Jonathan (and other journalists) caused a panic" is just bullshit. Wamu has been steadily downgraded for awhile; it just took some time before it was on the local TV news, which probably caused more panic than a few Slog posts.
I didn't close my account but did open a new one (at B of A for now) just in case. Now I realize just how spoiled I was at Wamu - I hope my friendly teller doesn't get laid off!
I would also like to second the call for a followup article looking at local credit unions - Seattle Metropolitan looks interesting.
@41 who claims the "coverage" doesn't identify who assumes WaMu mortgages, 3 hours before you posted your bullshit JPM had a conference call that should have cleared up any uncertainty you had in understanding what "assets" are. JPM is indeed the owner of all the mortgages, toxic or not, that WaMu holds. They estimate losses from these mortgages to be between 30b and 54b. Actually I'd encourage everyone to take a look at the investor presentation, particularly slide 16 which gives a good idea for how much more you can expect the real estate market to fall, from people smarter than Paulson or Bernanke (http://investor.shareholder.com/common/download/download.cfm?companyid=ONE&fileid=236634&filekey=b5a3d70a-28ac-4148-8966-71b18408c8c3&filename=JPM_WManalystpresentation.pdf OR just go to http://calculatedrisk.blogspot.com/2008/09/jpmorgan-conference-call.html)
@53, all your friendly bank employees are safe and have a job for the foreseeable future, especially in WA, CA, GA, and FL (this was the main reason Chase wanted WaMu - they have no presence in these lucrative markets). If they're in TX, IL or NY some branches may eventually be shut down, although not immediately. All the corporate operations in Seattle are safe for a few months anyhow, until Chase gets a handle on who is redundant (that's me).
@55, I'm glad they'll keep their jobs for awhile, although it sucks that a lot of people lost their retirement. It's definitely a shitty time to be employed in the financial sector and I wish you luck.
Damn, JPMorgan got a deal - I'm guessing they must be counting on getting some of that bailout to take care of the "toxic" assets?
Also, somewhat off-topic - is the tanking of the economy just a postponed reaction to 9/11? I heard a BBC reporter frame the situation as such but I haven't heard people in the US media say that.
Well, there went any point in the bailout. Let's do the numbers: $700 billion bailout. Failure of bank with $250 billion in CDOs. Now I can't support this bailout at all.
I feel bad for the regular joes who took a hit on their WaMu 401k's, but Enron is a lesson none of us should forget -- don't put all your 401k in your company stock unless you won't be needing it.
JP Morgan did get a deal, but they also mentioned that they are expecting some relief from the TARP bailout (it didn't sound like they expected to participate directly, but they did foresee some upwards pressure on home prices as a result of the plan), which looks to be in limbo at the moment, so they may yet feel a bit of hurt from this decision.
The idea that the economy is tanking due to a postponed reaction to 9/11 sounds more to me like some scheme to drum up support for continuing the war on terror than reality...
@58 - I think the connection to 9/11 was that the economy slowed down then, so supposedly all this credit was loosened to encourage people to spend more. Then the increase in the deficit to pay for the wars in Afghanistan and Iraq added to make the US economy shakier, from what I remember. I think the BBC report was implying that Bush's administration had made shitty decisions about the economy, and wasn't about the war on terror so much.
I think this is one of the few times it feels better to be broke. Less stress & I don't have to watch my money/home disappear.
@56 This economic meltdown has nothing to do with a delayed reaction to 9/11 except for one thing: it comes on the same watch as -- drum roll please -- George Double-Fucking-Ewe Bush
What this meltdown is really all about is the U.S. becoming drunk on its own sense of superiority -- and we have a president who has done nothing but fan the flames.
You don't need to have a Ph. D. in economics to know:
* When the savings rate of U.S. consumers is NEGATIVE, it means we're consuming more than we produce
* When people tap into home equity loans on the basis of property values going up 10%+ per year just to sustain their consumption, it's a pyramid scheme that's bound to collapse
* And then, you have a president whose answer for every problem is a tax cut
* And further, in a time of national crisis -- 9/11 -- the presidents call to the nation is what? Sacrifice? Save? "War bonds"? Nope. His message: Go shopping! Remember that? WTF?!
Most people agree the 2002 recession was made worse by the psychological response to 9/11. But this crisis is based on a lack of leadership and sense of economic invincibility.
Still not seeing answer on who currently owns my two month old 30 year fixed WaMu mortgage...
No mention of mortgages here:
Do I make the next check out to Bernanke?
I bought WAmu bonds in August 08 ad they were maturing in Jan, 09. Does anybody know if Bonds are safe? Should I try to sell them right now?
@62, they're worthless. Sorry.
@61, nothing has changed. WaMu, and thus JP Morgan, still owns your mortgage. Same as ever. You may eventually be given a new address to send them to, but for now make them out to the same company you always have.
As more of an explanation, the holding company who was going to pay your bonds back has been eviscerated. They will go to bankruptcy court and bondholders and shareholders will try to get thier money, but they don't have any assets to give (Chase bought them all from the Fed). So yes, sell them, unless you somehow think you'll get something from the court.
@62, don't buy or sell anything based on advice given you by some anonymous commenter on SLOG - depending on how much you have invested, get some advice from someone who knows how all this works, and wait to see how WaMu ends up being parceled out.
"Mr. Fishman (the new company's chief executive), who has been on the job for less than three weeks, is eligible for $11.6 million in cash severance and will get to keep his $7.5 million signing bonus..."
@31 - Last night at Elliott Bay Bookstore the two guys who wrote "Understanding Philosophy Through Jokes" said that during their cross-country book tour the last two weeks they've felt like Nero fiddling while Rome burns.
Branch banking employees at WaMu are not only safe for now, but may well retain their jobs once JP Morgan takes over as they want a presence on the West Coast.
The front office employees at WaMu Center... well, if they weren't polishing their resumes and querying for interviews 1-2 months ago, they absolutely need to start now.
66. Feel disgusted now? How's this: Alan Fishman and Kerry Killinger are good friends, and that's why he agreed to come here and keep the seat warm.
Rich white men really do stick together.
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