text:
Diego Sans :
Diego Sans is rated out of 5 by 4.
Rated 5 out of 5 by devon from sexy He is a good looking and sexy model, he looks like a real man haha
Date published: 2015-07-16
Rated 5 out of 5 by ACinAlexandria from Give Us More Diego is super sexy, very handsome and fills out his AC's nicely. Looks like he has a big package :-)
Date published: 2015-09-07
Rated 5 out of 5 by nananathan from yes, please He's got a nice front, nice back and an overall kiler look to him. Love seeing him model new styles. SEXY man.
Date published: 2015-09-30
Rated 5 out of 5 by OCDreamer69 from WOW Very hot! Great eyes and a sexy stud. Love an intact man.
Date published: 2015-12-14


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850 Power Antenna Removal & Repair
Step-by-Step how to Replace Antenna
Since last winter I've been going without a power antenna, which often gave me little or no reception. I finally decided to tackle it.
I've created a photo collage as best as I could, I check back often so if you have any questions feel free to ask. I couldn't hear the motor even trying to run, but I figured I would give it a shot…
One response to "850 Power Antenna Removal & Repair"
1995 power antenna will not go down can it be repair or need new one.

subset: commoncrawl


text:
by Imprivata
Jan 01, 2006
Download As a leading commercial banking and wealth management services provider in St. Louis and Kansas City, Enterprise Bank & Trust is committed to providing its customers with the highest standards of service and security. A few years ago the bank�s IT team implemented unique and complex passwords that bank staff had to remember to gain access to their many applications. Users struggled to remember many unique and difficult passwords, even resorting to writing passwords down. Imprivata OneSign provided Enterprise with a single sign-on solution where remembering passwords was no longer an issue.


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Republican presidential candidate Donald Trump has a problem with the forthcoming presidential debate schedule, in which he will face his Democratic rival, Hillary Clinton, one-on-one.
The Sault Ste. Marie Downtown Development Authority, in conjunction with the City of Sault Ste. Marie was awarded nearly $500,000 in grant funding from the Michigan Economic Development Corporation to assist in the restoration of five historic...
Weeding through approximately 40 submissions, the Building Healthier Communities Board has selected a half dozen winning entries, according to Downtown Development Authority Director Justin Knepper.
The first few days of November are growing in importance for Lake Superior State University.
This weekend, the grounds of City Hall on E. Portage Ave. and the historic homes on Water Street in Sault Ste. Marie are hosting the fourth annual Rendezvous in the Sault. The encampment opens at 10 a.m. today, and activities — including...
With all of the hype and media coverage surrounding both the Democratic and Republican national conventions, many Americans who could not attend may be wondering about the chanting, flag-waving, and occasionally booing crowds they saw on TV.
Though the major party conventions have toned down in significance over the years and produced only modest polling bounces headed into the stretch, the fact that Hillary Clinton has been overtaken nationally by Donald Trump might give viability to...
After Hillary Clinton's historic moment on Thursday in which she broke the glass ceiling by becoming the first woman ever to win a major party nomination, some folks were wondering what would become of her husband -- the 42nd president of the United...
Last week, Brooklyn-based Nick Johnson, who happens to be a friend of mine, publicly declared himself to be the first Pokémon Go player to catch...
Dave Granlund cartoon on Hillary Clinton giving Bernie Sanders holdouts a dose of reality.
Project Playground became the home of the first "Little Free Library" in Sault Ste. Marie thanks to the Callaghan boys, Turner and Jack.
Sault Ste. Marie Directory
Business Name
Location, ST | website.com


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A two-story wall of windows graces the entrance area of the new Hedrick Medical Center in north Chilicothe. Work continues throughout the facility as the project enters its final months. Members of the hospital's Community Advisory Board conducted their quarterly meeting Tuesday afternoon which included a tour of the facility. A formal open house is scheduled for Jan. 23, 2014.
Location, ST | website.com


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I've been using WordPress for building simple sites, so I'm not the best at coding. Here is what I want to do - limit my textarea to 550px and center it on the page. I've been trying to do this for several days, but to no avail. I've tried tables, but I don't like the border. I've tried columns, but when I get the right width and center the column, it drops down several lines. I've been searching and searching for the correct way to do this but with no success. here is the page that I'm having trouble with repair-request
If anyone knows an easier way to do this, please help as I'm doing this as a favor for my cousin and I can't to afford to keep messing with it. Thank you - lfiffe


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St. Croix Men's Best Rods T-Shirt
Product Information:
Find peace on the open water when you set out in this St. Croix® tee. Whether you're casting a line or kicking back in the fresh air, this scenic graphic shows your passion for the sport. You'll enjoy this comfortable, everyday t-shirt with the crewneck collar and classic fit, perfect for pairing with your fishing gear or favorite warm weather apparel. Grab your St. Croix® rod and hit the waters in this Best Rods tee.
- Graphic t-shirt
- Fisherman graphic screen-printed on the chest
- Best Rods on Earth™ logo
- Crewneck collar delivers a durable, comfortable fit
- Classic fit
- Fabric: 100% ringspun cotton
- Style: DSC005UST
- St. Croix
Country of Origin: MexicoWeb ID: 38226056


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Latest Public Counsel Events
2016 William O. Douglas Dinner
Join us on Thursday, June 30, 2016 that the Beverly Hilton Hotel in Beverly Hills as we celebrate our 2016 William O. Douglas Award Dinner. We our proud to announce our evening's honorees:
Bryan Stevenson - William O. Douglas Award
Panda Restaurant Group, Inc. - Corporate Achievement Award
Sidley Austin LLP - Law Firm Pro Bono Award
With Special Musical Guest, John Legend
and Special Guest Presenter, Michael B. Jordan
For more information, click here. For ticket and sponsorship information click here or contact Cheyanne Picone, Associate Director of Development, at email@example.com or (213) 385-2977, ext. 112. For tribute journal ad information contact Erin Farrell, Special Events Coordinator, at firstname.lastname@example.com or (213) 385-2977, ext. 141.
2015 William O. Douglas Dinner
"Who's got the power? We've got the power!What kind of power? People power!What kind of power? Legal power!Que viva Public Counsel!"- 2015 William O. Douglas Award recipient Dolores Huerta
On Wednesday, June 17th, more than 1,000 Los Angeles leaders raised over $2.1 million to support the work of Public Counsel at our 39th annual William O. Douglas Award Dinner.
We were even lucky enough to join along as civil rights icon Dolores Huerta, this year's Douglas Award honoree, lead the room in a resounding and inspiring chant.
Each year, Public Counsel annually assists more than 30,000 families, children, immigrants, veterans, and nonprofit organizations and addresses systemic poverty and civil rights issues through impact litigation and policy advocacy. Your support continues to make that possible.
If you missed the event, please GIVE NOW to help us continue our important work.
In the words of our interim President & CEO Rand April, "Please don't let the business of law make you forget why the practice of law, and the pursuit of justice, appealed to you in the first place."
Thank you for your continued support of equal justice for all. Que viva Public Counsel, indeed!
2014 William O. Douglas Dinner
Click here to see more photos from the 2014 William O. Douglas Dinner at our Flickr page.
Former Secretary of State Hillary Rodham Clinton Receives William O. Douglas Award
Our annual event also recognized corporate champion Qualcomm, law firm Arnold & Porter LLP, and leading attorneys Roman Silberfeld and Rand April for supporting a more equal society.
More than 1,500 people attended the William O. Douglas Dinner, an annual event that recognizes leaders who have helped make Public Counsel the nation's largest not-for-profit law firm of its kind. Public Counsel puts the power of law to work for a better community and represents more than 30,000 children, families, immigrants, veterans, and victims of fraud and injustice every year.
Past recipients of Public Counsel's William O. Douglas Award include Sen. Elizabeth Dole, Nobel Laureate Elie Wiesel, President Bill Clinton, and Secretary of State Madeleine K. Albright.
Qualcomm received the Corporate Achievement Award in recognition of its work to create educated, healthy, sustainable and culturally vibrant communities through its innovative philanthropy. Donald Rosenberg, Executive Vice President, General Counsel and Corporate Secretary of Qualcomm Incorporated, accepted the award.
Arnold & Porter LLP received the Law Firm Pro Bono Award in recognition of its work with Public Counsel to support litigation for California students and legal service projects that help nonprofit and community-based organizations grow and thrive. Thomas Milch, Chair of Arnold & Porter LLP, accepted the award.
Renowned attorneys and former Public Counsel board chairpersons Rand April of Skadden, Arps, Slate, Meagher & Flom LLP and Roman Silberfeld of Robins, Kaplan, Miller & Ciresi receive the Founders Award for their commitment to justice for all. Only five others have received Public Counsel's Founders Award.
Help support our work. Click here now.
2016 Run for Justice
We had another wonderful Run for Justice on February 13th & 14th! Nearly 400 participants in more than 40 teams came out to Dodger Stadium to support Public Counsel's Run for Justice 5K, an event of the Skechers Performance Los Angeles Marathon.
Click here to hear more about our 2016 Run for Justice.
You can still support one of our 2016 teams by clicking on their link below:
Current list of teams as of 1/25/16 (click on the name to visit their fundraising page):
Bird, Marella, Boxer, Wolpert, Nessim, Drooks, Lincenberg & Rhow, P.C.
Dentons US LLP
Judicate West
PricewaterhouseCoopers LLP
Public Counsel's Children's Rights Project
Public Counsel's Debtor Assistance Project
Public Counsel's Homelessness Prevention Law Project
Southern California Edison
U.S. Bank
U.S. Bankruptcy Court
2013 William O. Douglas Dinner
Public Counsel honored Elizabeth Dole with our William O. Douglas Award on September 12, 2013, and announced a new partnership to give legal support to caregivers supporting wounded warriors and military veterans.
Click hre to read more about the 2013 William O. Douglas Dinner.
2012 William O. Douglas Dinner
It was a night of history and hope as Public Counsel honored Nobel Peace Prize Laureate Elie Wiesel with the 2012 William O. Douglas Award.
2011 William O. Douglas Dinner
President Bill Clinton told a packed house of 1,200 people that Public Counsel's work gave people hope and opportunity. "You are doing a noble thing," said the 42nd president.


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The Val Reiss Complex
Fri, 2016-03-11 11:03 News Staff
St. Bernard Parish Schools lost a dedicated board member recently with the passing of Ronald Joseph Nicosia.
Relay For Life Festival of St. Bernard will be held on Saturday, March 5 from 2 to 10 p.m. at Val Riess Sports Complex in Chalmette.
234 Mehle Street
Arabi, LA 70032
Phone: 504-279-7488
Fax: 504-309-5532


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When someone says the term pack rat, people likely think of a friend or relative who has trouble letting go of old souvenirs and clothes. Most people likely do not realize 2015 was the year of the rodent known as the pack rat! In fact, Truly Nolen website research shows "How to get rid of pack rats" was the eighth-most visited page for the company's website in 2015 and the most visited one overall for any insect or rodent.
Pack rats, also referred to as woodrats or trade rats, are typically gray rat-sized mammals with large ears, large dark eyes and a relatively long tail. Although absent from most of the New England area, eight species of pack rats are widely distributed through much of the rest of North America. They are usually found entering homes in the winter to have their offspring, which means this is the exact time of year to be mindful.
"With El Niño on track to be one of the three strongest ever over the last 70 years according to NOAA, it should come as no surprise that pack rats became more common this year in terms of our service calls as well as people wanting to find information about them online," said Scott Nolen, Truly Nolen Pest Control CEO/President.
In houses, pack rats are active at night, searching for food and nest material. Pack rats are known for their characteristic searching of materials to bring back to their nests creating an ever-expanding collection. As the name "pack rat" implies, they have a tendency to pack away small objects such as jewelry, utensils, can tabs, and other items.
A peculiar characteristic is that if they find something they want, they will drop what they are currently carrying and "trade" it for the new item. They are particularly fond of shiny objects. They can also be quite vocal and boisterous.
Pack rats can cause extensive damage to your property. Not only do pack rats damage and destroy landscaping, they can also chew through wiring, spoil food, and leave behind fecal pellets. They may also shred upholstered furniture and mattresses for lining nests.
In terms of getting rid of pack rats, there are three standard things people can do. "The most effective rat control begins with prevention by disposing of trash properly and maintaining sanitary conditions in a home," said Nolen. "When pack rats become a problem in and around structures, making sure any openings in the structure foundation and pipes should be sealed as well as checking for openings in attic vents."
The majority of pack rat populations in structures can be controlled by using traps. "Pack rats show little fear of new objects in their environment," said Nolen.
For more information about pack rats, visit our pest identifier page at http://www.trulynolen.com/pest-identifier/, or to take care of your pack rat problem, call one of our local branches to schedule an inspection.
About Truly Nolen
Founded in 1938, Tucson, Arizona-based Truly Nolen of America is the largest family-owned pest control company in the United States. Truly Nolen has over 80 branch offices in Arizona, California, Florida, Nevada, New Mexico, Texas and Utah. The company also has independently owned and operated franchises in an ever-growing number of territories including Kentucky, Georgia, New Jersey, Canada, Puerto Rico and over 60 countries. To learn more about Truly Nolen, visit www.trulynolen.com or follow us on Facebook (www.facebook.com/TrulyNolen) and Twitter (www.twitter.com/TrulyNolen).
"Toys in the Attic" Ended up Delivered by Mouse Cars in December
Long known for its iconic mouse cars, Truly Nolen Pest Control also enjoys giving back to its local communities. The company's Las Vegas service office participated in their annual "Toys for Hope" Toy Drive which raised approximately $26,000 in toys for children in need to take home with them for the holidays.
"Over 100 families benefited from this toy drive with over 300 children," said Lee Schroeder, Truly Nolen Manager, Las Vegas. "Our team also served over 350 hot dogs during the drive and we never tired of seeing the smile on the kids' faces when they went to the area to pick up their new toy!"
Other service offices got into the community holiday spirit as well, including:
- Parent Aid's "Adopt a Family" for the Holidays, Corporate Office in Tucson, Ariz.
- Toy Drive for Ronald McDonald House and FREE pest control service, Tucson (Ariz.)
- 28th Annual South Florida President's Council Toys in the Sun Run, South Florida District
- Peoria Police Department's Shop with a Cop Event, Sun City (Ariz.)
- Toy Drive for Salvation Army, Sierra Vista (Ariz.)
- Drew Saves Christmas' Secret Santa, Pinellas Park (Fla.)
- El Pasoans Fighting Hunger Food Bank Assistance, El Paso (Tex.)
- "Giving Warmth & Spreading Hope", San Diego (Calif.)
"One of our 12 core values as a company is to embrace and drive change for the better," said Michelle Nolen Senner, Truly Nolen Director of Marketing & Philanthropy. "We're proud that all of our branches across the country helped add value to the lives they touched this holiday season by embracing / this core value in a way that is meaningful to them and their community."
About Truly Nolen
Founded in 1938, Tucson, Arizona-based Truly Nolen of America is the largest family-owned pest control company in the United States. Truly Nolen has over 80 branch offices in Arizona, California, Florida, Nevada, New Mexico, Texas and Utah. The company also has independently owned and operated franchises in an ever-growing number of territories including Kentucky, Georgia, New Jersey, Canada, Puerto Rico and over 60 countries. To learn more about Truly Nolen, visit www.trulynolen.com or follow us on Facebook (www.facebook.com/TrulyNolen) and Twitter (www.twitter.com/TrulyNolen).
History of the Model T
Behold it is I, the one and only "Tin Lizzie", the single most influential automobile in history. It was the year 1908 and Mr. Henry Ford and his automobile company had given birth to me and, if I do say so myself, I was quite the creation.
You see to the common working class American, an automobile was an unheard of luxury. Cars were still very scarce and expensive, thus making their adoptability limited, however I was able to change this the minute I rolled off the assembly line. Not only was I affordable to the average working class American, but I was reliable and easy to maintain. Mr. Ford developed the most crucial parts of my body out of a lightweight steel alloy known as Vanadium, which was important at the time because in 1908 there were only about 18,000 miles of paved roads in the U.S.!
Other Fun Facts:
- The selling price of the Model T dropped from $800 in 1908 to under $300 by 1925.
- Ford still hadn't developed a logo, Henry Ford's signature (pictured below) was placed on the front of the car.
- At first a choice of colors were available, but from 1913-1925 the car was mass-produced in only black.
- The engine generated 20 horsepower and propelled the car to a top speed of 40–45 miles per hour.
- The Ford Model T was named the most influential car of the 20th century in the 1999 "Car of the Century" competition and still makes top ten list of most sold cars (ranked 8th) as of 2012.
Truly Nolen Attends Andress Car Show
Adrian Banuelos from Branch 311 organized his first event with Truly Nolen this month. Teaming up with Branch 70 on March 21st, they participated in the Andress High School Marching Band's 1st Annual Car Show. There were food trucks, jumping balloons for the kids, live music, and an assortment of vendor booths. The mouse cars and Truly antiques were definitely crowd favorites. All proceeds of the event were donated to the Andress Marching Band to help fund their upcoming trip to San Antonio.
El Paso at Home and Garden Show
The El Paso branch had a great time at the 2015 Home & Garden Show held at the Las Cruces Convention Center last weekend. The event showcased local businesses that cater to the home improvement and proved to be a fun weekend for the whole family. Close to 5,000 people attended the 2 day show and it gave us a great opportunity to get out and mingle with the Las Cruces community.
High Hopes High Expectations
Team 70 was involved in an Event for Region 19 Education Head Start Center this weekend over 750 families attended the event. Team 70 provided bags which were used exclusively for event and the mousecar balloon was a hit with the crowd. Being part of an event that empowers parents and teaches them to be primary educators for the children was awesome.
Truly Nolen El Paso Helped Franklin High School Baseball
Branch 70 was lucky enough to be able to help out with the Franklin High School Baseball's 100 Inning Fund Raiser this year. The branch donated hot dogs, buns, waters, sodas and condiments which were sold to raise the funds for the team to attend the Phoenix Tournament this year, where the players will be exposed to college coaches and have the opportunity to take their game to the next level.
(The picture is of manager Omar Martinez with John Brady, the Franklin Baseball Booster President)
El Paso Sponsoring Xplosion Baseball
Branch 70 is sponsoring a local baseball team, Xplosion and they're already off to a great season. The guys really stand out in their red Truly shirts and they won both of their games at Blackie Chester Park on Sunday. The second game was a complete shutout! Go Team Xplosion!
EL Paso Attends Career Day
Robert Munoz recently represented Truly Nolen at the LeBarron Park Elementary Career Day. He set up a display table to show off everything we have to offer and spent time going over all sorts of interesting insect facts with the students. After his presentation, everyone got a chance to check out the Mouse Car, which was definitely a Career Day highlight.
El Paso Branch at Hispanic Chamber Meeting
Service Coordinators Herman Pulido and Carlos Cruz attended the El Paso Hispanic Chamber Meet & Greet this week and had a great experience. They welcomed a new customer into the Truly Nolen family and have another person that will likely be joining us in the coming weeks. They got a bunch of information about upcoming community events and even set up a golf tournament for this summer. One of the highlights of the evening was bumping into Leo Caraveo from the El Paso Baseball Hall of Fame


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Journal of the Academy of Marketing Science
, Volume 42, Issue 3, pp 322-336
First online:
Enhancing television advertising: same-language subtitles can improve brand recall, verbal memory, and behavioral intent
- S. Adam BraselAffiliated withMarketing Department, Carroll School of Management Email author
- , James GipsAffiliated withInformation Systems Department, Carroll School of Management
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* Final gross prices may vary according to local VAT.Get Access
This research explores how same-language subtitles—on-screen text that matches the spoken language—can enhance advertising effectiveness for television commercials on normal viewing audiences outside of foreign-language or deaf-viewer contexts. A preliminary eye-tracker study shows that same-language subtitles capture disproportionate visual attention, and a first study highlights that same-language commercial subtitles can increase brand recall and memory of other verbal ad information. Three further studies using 12 additional ads reinforce the positive effects of subtitles and show how same-language subtitle effectiveness varies with changes in visual and verbal ad complexity. In addition to showing how subtitles can increase behavioral intent, results also highlight how varying subtitle content affects memory gains and illustrate how subtitles can lead to negative effects in the uncommon situation that brand information is missing from the audio. As the efficacy of television advertising becomes increasingly debated, same-language subtitling is a simple way to boost advertising effectiveness.
KeywordsAdvertising Subtitles Brand recall Memory
Reference tools
- Title
- Enhancing television advertising: same-language subtitles can improve brand recall, verbal memory, and behavioral intent
- Journal
Journal of the Academy of Marketing Science
Volume 42, Issue 3 , pp 322-336
- Cover Date
- 2014-05
- 10.1007/s11747-013-0358-1
- Print ISSN
- 0092-0703
- Online ISSN
- 1552-7824
- Publisher
- Springer US
- Additional Links
- Topics
- Keywords
- Advertising
- Subtitles
- Brand recall
- Memory
- Industry Sectors
- Authors
- S. Adam Brasel (1)
- James Gips (2)
- Author Affiliations
- 1. Marketing Department, Carroll School of Management, Fulton Hall 443, 140 Commonwealth Ave, Boston College, Chestnut Hill, MA, 02467, USA
- 2. Information Systems Department, Carroll School of Management, Fulton Hall 460, 140 Commonwealth Avenue, Boston College, Chestnut Hill, MA, 02467, USA


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GREELEY, Colo. (AP) - A Roman Catholic priest convicted of indecent exposure for jogging naked around a track at a Colorado high school has been sentenced to five years probation.
The Rev. Robert Whipkey must also complete 100 hours of community service and register as a sex offender under the sentence handed down Thursday in Weld County, Colorado.
Whipkey was arrested about an hour before sunrise on June 22, 2007.
The Denver archdiocese said Whipkey was placed on leave last
year. He had officiated at three parishes.
Dressed in a blue shirt and slacks, Whipkey told Judge Timothy
Kerns that the conviction has ruined his life and that he is now unemployed.
(Copyright 2008 by The Associated Press. All Rights Reserved.)


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Talk:Rock Tomb (move)
So for the DP description for this move, it mentions the flinching effect, not the speed drop like Pt does. I guess it doesn't really matter, since they still both do the same thing, but it's just something I noticed after restarting Pearl. So... if somebody sees fit that we should change it, then drop a comment I guess. R.A. Hunter Blade 04:12, 1 December 2010 (UTC)
Clian Dwebble?
Can someone to add in the anime section for Cilan's s Dwebble please - unsigned comment from Emeraldben (talk • contribs)
Discolored Trapinch?
The Trapinch icon/sprite thing in the table of anime appearances isn't the normal coloration. It's really pink looking, whereas Trapinch is orange. It's not shiny, either, since its shiny form is blue, not pink. Is this a mistake? Wynd Fox 02:40, 5 September 2011 (UTC)
When playing Pokémon Y, a CPU Trainer's Machoke used Rock Tomb on my Mega Aerodactyl while it was using fly. The animation was just the rocks forming where Aerodactyl would have been if it wasn't flying (on the ground). Can anyone duplicate this glitch, or was it just a one-time bug? Nairbnroh (talk) 08:51, 26 February 2014 (UTC)
- I tested it, and the attack hit like normal. I don't think it's a glitch or a bug, I think Rock Tomb can just hit targets even if they're in the air. Unless you're referring to an animation error, cause with mine it didn't seem like there was any kind of error with the animation itself. ★Jo the Marten★ ಠ_ಠ♥ 09:17, 26 February 2014 (UTC)
- Oop, never mind. I was dumb. It's because the Machoke has No Guard. That's why Rock Tomb hits. ★Jo the Marten★ ಠ_ಠ♥ 09:24, 26 February 2014 (UTC)
- Ah, missed a few things when I jumped from Gen 3 to 6. Sorry about that. Nairbnroh (talk) 10:08, 26 February 2014 (UTC)
Rock Tomb has larger rocks
I noticed while playing Pokemon X that the rocks during Rock Tomb's animation while my Aerodactyl was megaevolved are quite larger than when in regular form.
I was wondering if that's something that should be mentioned in the article if this is unique to this move. If not, is there a page for moves that change when a pokemon is megaevolved?
Noveldeity (talk) 15:59, 25 February 2015 (UTC)


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This distinctive swing-arm wall light is constructed of metal in a rich black brass finish. The arm rotates outward from the right for a site-specific installation near a bed or chair. Add a left-swing version of this lamp to create a cohesive look in a room. A rectangle off-white linen shade complements the shape of the wallplate and arm. A fashionable accent from Sonneman.
One of the most acclaimed designers in the lighting industry, Robert Sonneman has received scores of international accolades for sleek, contemporary designs. From bath bars to sconces and wall lights, Robert Sonneman's passion for quality and cutting-edge style shines through in each and every design. If your home deserves the best European inspired lighting creations, it deserves Sonneman.
Our team has over 100 years combined experience with contemporary lighting.
Every EuroStyleLighting.com order is backed by our 100% Satisfaction Pledge.
Shipping and Delivery Information - For item EUX3000 if ordered by 1 pm Pacific Time


text:
, Volume 8, Issue 7, pp 580-585
First online:
Patient Reluctance Toward Tamoxifen Use for Breast Cancer Primary Prevention
- Elisa Rush PortAffiliated withBreast Service, Memorial Sloan-Kettering Cancer CenterDepartment of Surgery, Memorial Sloan-Kettering Cancer Center
- , Leslie L. MontgomeryAffiliated withBreast Service, Memorial Sloan-Kettering Cancer Center
- , Alexandra S. HeerdtAffiliated withBreast Service, Memorial Sloan-Kettering Cancer Center
- , Patrick I. BorgenAffiliated withBreast Service, Memorial Sloan-Kettering Cancer Center
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Background: The National Surgical Adjuvant Breast and Bowel Project (NSABP) P-1 trial demonstrated that tamoxifen reduces the incidence of new breast cancers by 49% in women at increased risk for breast cancer development. Tamoxifen does have side effects, however, including marginally increased risks of endometrial cancer and thromboembolic events. In this study, women at increased risk for breast cancer development were offered tamoxifen. Their knowledge of tamoxifen as a chemopreventive agent was assessed, and factors influencing their acceptance of tamoxifen and willingness to take it were determined.
Methods: Forty-three patients were identified who qualified to take tamoxifen for primary prevention. Patients qualified by having at least a 1.7% 5-year risk of developing breast cancer, the criteria for entry into the NSABP P-1 trial. Patients initially completed questionnaires designed to assess their knowledge of tamoxifen and its associated risks and benefits. Patients were then provided neutral educational sessions and literature delineating the actual risks and benefits of tamoxifen. Subsequently, patients' decisions regarding taking tamoxifen were reassessed.
Results: Mean patient age was 52.8 years, with a range of 39 to 74 years. Ten patients (23.2%) qualified based on the presence of lobular carcinoma in situ (LCIS), seven patients (16.3%) qualified based on increased risk secondary to age >60 years, and 26 patients (60.5%) age range 35 to 59 qualified based on risk profiles demonstrating significantly increased risk. Of the total 43 patients, two (4.7%) elected to start taking tamoxifen. Fifteen patients (34.8%) declined immediately, and 26 patients (60.5%) were undecided initially but ultimately declined. Educational sessions did not influence patients' decisions. Fear of side effects, including endometrial cancer, thromboembolic events, and menopausal symptoms, was the most commonly cited reason for declining to take tamoxifen.
Conclusions: In this study, the vast majority of patients at increased risk for breast cancer perceived that the risks of taking tamoxifen outweighed the benefits and declined to take it.
Key Words:Tamoxifen Breast cancer Chemoprevention Patient reluctance
Reference tools
- Title
- Patient Reluctance Toward Tamoxifen Use for Breast Cancer Primary Prevention
- Journal
Annals of Surgical Oncology
Volume 8, Issue 7 , pp 580-585
- Cover Date
- 2001-08
- 10.1007/s10434-001-0580-9
- Print ISSN
- 1068-9265
- Online ISSN
- 1534-4681
- Publisher
- Springer-Verlag
- Additional Links
- Topics
- Keywords
- Tamoxifen
- Breast cancer
- Chemoprevention
- Patient reluctance
- Industry Sectors
- Authors
- Elisa Rush Port MD (1) (2)
- Leslie L. Montgomery MD (1)
- Alexandra S. Heerdt MD, MPH (1)
- Patrick I. Borgen MD (1)
- Author Affiliations
- 1. Breast Service, Memorial Sloan-Kettering Cancer Center, New York, New York
- 2. Department of Surgery, Memorial Sloan-Kettering Cancer Center, 1275 York Avenue, MRI-1026, New York, NY, 10021


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Video Industry News Video Company News Technology Industry News Technology Company News Novelty Industry News Novelty Company News Gay Industry News Gay Company News Legal Industry News All Company News
Released: Jul 01st, 1999
Running Time: 98
Director: Toni English
Company: Vivid Entertainment Group
Cast: Bobby Vitale, Chloe (I), Jack Hammer, Jeanna Fine, Jewel Valmont, George Kaplan, Tony Tedeshi, Azlea Antistia, Randy Spears, Inari Vachs, Candy Vegas, Devon (I), Ian Daniels
Critical Rating: Not Yet Rated
Genre: Film
A good \"intermediate\" film for couples who have been watching porn together long enough to develop a taste for anal sex, but aren\'t yet ready for the really raunchy stuff.
Bobby Vitale, Chloe and Ian Daniels are street whores (the boys are strictly het, servicing only the ladies) who sleep on the floor of a squat, and dream of the day they can save enough money to rent an apartment that has hot water. When Devon joins the gang and moves into their happy hooker home, she gets mixed up with gangsters Randy Spears and Jack Hammer and the "fireworks" begin....
The sexual situations are a little nastier than what we're used to seeing from Vivid, featuring plenty of anal and a dildo double-vag (courtesy of Chloe, whose formidable orgasmic talents are mostly wasted here, though she handles her dialogue well). Best of the bunch is the pre-nom worthy opening ass-fuck between Vitale and rich bitch client Azlea Antistia; and Jewel Valmont's threeway with Spears and Hammer. Daniels' encounter with Inari Vachs is okay as well, but never really burns.


text:
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~~~*~~~~ UPDATE ~~~*~~~ Mia went on her first trail ride at Mammoth Cave National Park on 10-16-2011 with a fairly inexperianced rider. She was phenominal! Not a thing bothered her and she took everything in stride. An absolutley WONDERFUL mare for anyone. Very steady and wonderful to work with!!
She listens very well, eager to move forward, but has good brakes! She listens to leg and seat nicely!! Mia is a very large built mare, super quiet and friendly.... (read more)
We train and work with a variety of horses rescued from auctions and owner surrenders. We also work with Arabians and Half Arabs.
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I've been bathing DD every other day since she started real baths. Is it time for every day? I don't want to dry out her skin...
How often do you bathe LO? POLL
Loving mom to 2 wonderful girls apr, 09 and sept, 10
CD'ing, co-sleeping, epidural lover and exclusive pumper
every other day unless he has a major blow out or drool fest!
Usually on my phone and am horrible about keeping up with posts! Please PAN with questions and ignore spelling mistakes :P
I use a no rinse cleanser by Mustela for touch up cleaning but give her a bath every couple of days. Of course when there is a blow out she gets a bath no matter what.
she probably gets a bath 5 out of 7 nights a week. depends on if we have a stay at home day or outing and if she has any blowouts (from either end hehe). We do lotion after each bath too so I'm not as worried about dry skin.
Momma to Kenna Marianne 4/29. EDD 1/17 for #2
Don't let me hold your sanity, I'll probably loose yours too.
When I think of it, i.e. when she gets sweaty or icky somehow. Probably 2x a week on average.
Bathing more often won't dry out her skin as long as you don't use any products - just water. There's really no need to use skin cleaner on a baby - water will remove anything that's there.
- Elizabeth
Mama to Vivian (10.1.2007), Helen (4.25.2009) and Marian (7.10.2013)
He gets a bath everynight with ds1, its part of the bedtime routine, they get lotioned up every night after there bath.
I voted every 3 days or more. At this age she doesn't really get dirty. If she has a blow out or has been spitting up I bathe her of course but she doesn't get a bath everyday. It probably averages right about every 3 days.
Becky� banana�momma�� DS 1-15-04� DD 4-13-09�
Everynight... Part of the evening routine.
Mom to Lauren 2/17/04 (c/s-breech), Caroline 5/6/09 (VBAC!) & Madelyn 3/25/12 (VBAC!)
The days are long, but the years are short.
Mama to dd C born 28APR09, C born 30OCT10, and the team green newbie due 16NOV12.
Everyday is what I said. Sometimes more, if he's super fussy, because he loves them. And occasionally we skip it if there is some reason for it...
Casey, Mommy to Leelan Charles - April 7, 2009 - 21 inches - 7 lbs, 8 oz
I usally bathe lo every other night. I told my mother this the other day and she freaked and said" That baby needs a bath every night blah blah blah how would u like to not get a bath every night!"
Learn more
Look how far your child has come.
Review your child's growth milestones.
Read about 7 years 2 months : Week 2.
Your growing child
Your 7-year-old: Handling sick days
Your 7 1/4-year-old: Learning to cook
Your 7 1/4-year-old: Is your child gifted?
Your 7 1/4-year-old: Screen-time alternatives
Your 7 1/4-year-old: Nail biting
Learn more
What's next for your growing child?
Get a glimpse of what's to come.
Read about 7 years 4 months.


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It totally works and I use it with yoast seo. I submit the sitemap from yoast, setup the cron and everything is smooth
Disregard below. I'm an idiot. Works swimmingly. ;)
Tested this on numerous set-ups, WordPress 3.7 - 4.1. Same result each time: Sometimes it warms the cache; sometimes it doesn't.
Cron job set up correctly each time, plugin UI reporting the crawl, but haphazard caching results.
In the end, no more reliable than W3TC's "Cache Preload" function. Which isn't reliable. 2 stars.
Great plugin to keep your site cache up to date no matter what caching plugin you use. All of them are wp-cron dependent and need a trigger. Warm Cache does the job. Wanted to give you a credit and used your affiliate link but it didn't work for me. Ended up setting up cron job with my host, it was easier than I thought. Thanks !
Great pre-loader for sites with custom content types, and when the pre-load function built into the caching plugin refuses to work.
The warm cache plugin removes one manual maintenance step by automating the cache filling for me.
It integrates cleanly with a site running the Headway Base theme, a custom child theme, the W3 Total Cache plugin and the Google Sitemap plugin.
You must log in to submit a review. You can also log in or register using the form near the top of this page.


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WEIRTON - Close to 70 riders set off from the Fairfield Inn and Suites Saturday afternoon to enjoy the scenery of the Ohio Valley and help raise money to benefit the Weirton United Way.
The ninth-annual poker run is among the yearly fundraisers for the Weirton United Way, and has been drawing bigger numbers each of the last few years, according to organizers.
This year, the goal for the event was to raise $6,500.
Article Video
"The importance of the poker run, and all of the United Way's events is the 15 agencies," event Chair Jeff Davis said.
The Weirton United Way works each year to raise money to benefit its member agencies, which include the American Red Cross - River Valley Chapter; Boys and Girls Club of Weirton; CHANGE, Inc.; Community Bread Basket; Dunbar Recreation Center; Girl Scouts - Black Diamond Council; Hancock County 4-H Foundation; Hancock County Sheltered Workshop; Hancock/Brooke/Ohio/Marshall Retired and Senior Volunteer Program; Healthways; Mary H. Weir Public Library; Ohio River Valley Council Boy Scouts of America; Salvation Army Weirton Corps; Weirton Christian Center and Weirton Medical Center Foundation.
"The poker run is just a small part of the fundraising, but it's a great day to get motorcyclists out, have a good day and help the United Way."
Article Photos
Close to 70 riders prepare to take off on the ninth-annual Weirton United Way Poker Run Saturday afternoon. Riders would make stops in Lisbon, Ohio; Chester and Bavington, Pa. before returning to Weirton. -- Craig Howell
The riders crowd together shortly before leaving the Fairfield Inn and Suites Saturday for the annual poker run. The ride would take participants on a trek of approximately 110 miles through the region. -- Craig Howell
Participants left the Fairfield Inn and Suites at noon, traveling north to Chester and then west to Lisbon where they stopped at the Guilford Lake Grille. From there, they went back to Chester for a stop at the White Stallion before heading to Bavington, Pa. to the Mousetrap. The ride concluded at approximately 5 p.m. at the Blue Steel Grill in Weirton.
"It's about a 110-mile bike ride," Co-chair Rich Young said. "It's a beautiful day and a great turnout."
Sponsors and other contributors for Saturday's poker run included the Blue Steel Grill; First Choice America Community Federal Credit Union; Hancock County Savings Bank; Weirton Medical Center; Fairfield Inn and Suites; Valley Harley Davidson; Starvaggi Industries; Del. Randy Swartzmiller; Assure America; Robinson and Son Construction; White Stallion; the Hancock County Commission; Guilford Lake Grille; Jeff and Cindy Davis; the Mousetrap; Wine and Beverage Merchants of West Virginia; Weirton Valero; the Washington Wild Things; Newbrough Photo; Mario's; Lyndi's; Waterworld; "Danny" from Hedge Band; Marsh Pipe and Supply; Toronto Auto Parts; Bobby Pizzoferato; DJ Brandon; Ed Hayes and Wheels of Weirton; Recht Law Office; Convenient and Ron and Paula Haggerty; Nationwide Insurance and Mark and Randy Eckleberry.
(Howell can be contacted at firstname.lastname@example.com, or followed via Twitter @CHowellWDT)


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The Council of Ontario Directors of Education (CODE) is an advisory and consultative organization composed of the CEOs of each of the 72 District School Boards in Ontario; Public, Catholic and French Language.
The Council of Ontario Directors of Education (CODE) is an advisory and consultative organization composed of the CEOs of each of the 72 District School Boards in Ontario; Public, Catholic and French Language.
Ontario directors of education researched system innovations during the 2016 school year. They assessed programs outside their districts and determined what could best serve the needs of their own administrative team and school system. Here you will find summaries of these innovations.
Directors Innovation 2016 page
Frank Kelly
Executive Director
Association des gestionnaires en éducation franco-ontarienne (AGEFO)
Ontario Catholic Supervisory Officers' Association (OCSOA)
Ontario Public Supervisory Officials' Association (OPSOA)
The Leadership for Learning Academy is developed in partnership with OCSOA, OPSOA and AGEFO and is intended to provide Ontario Directors and Superintendents with an opportunity to engage in an inquiry based professional learning experience that focus' on system – wide innovation and technology enabled pedagogical practice.
Responding to requests from school boards for a companion piece that builds on and enhances the information contained in Going Deeper, CODE is pleased to introduce a complementary online component to the Going Deeper rubric. Here you will find practical information, tips, resources and "Look Fors," conveniently broken down into modules reflecting the rubric's eight areas of focus. It's all designed to help guide your board toward effective implementation of Equity and Inclusive Education in Ontario's schools.
Visit the Going Deeper web resource at equityinontarioschools.org
Developed by the Council of Ontario Directors of Education (CODE), in consultation with a representative group of English- and French-language board system leaders and with support and funding from the Ministry, Equity and Inclusive Education: Going Deeper establishes a set of policy outcomes presented in the form of a Rubric. It is intended to assist and support boards in achieving the best academic and social outcomes among all students. Equity and Inclusive Education: Going Deeper provides an opportunity for boards to look to the future, and take those steps that will support continued implementation in order that all students can reach their full potential, regardless of background or personal circumstances. For more information and to use/download the Rubric.....
More Information and Downloads - Updated on November 27, 2014
The Council of Ontario Directors of Education continues to partner and co-sponsor with the Ministry of Education implementation of Ontario's Technology and Learning Fund.
Consistent with the ministry's renewed vision and core proprieties for education, the Technology and Learning Fund is directed towards increasing technology-enabled pedagogical practices focused on key 21st century competencies such as critical thinking, problem-solving collaboration, communication, creativity and entrepreneurship. To support sector-wide progress toward its renewed vision, the Ministry announced a commitment to invest in the $150M Technology and Learning Fund over three years.
Go to the Technology and Learning Fund site to find out more.
Update October 2015 - A new article has been published related to the work done in the Strong Districts and Their Leadership project. De-mystifying Effective District leadership, A Seven-year CODE, IEL, MOE Collaboration, by Kenneth Leithwood and Catherine McCullough.
Project & Report - In the 2012/2013 school year the Council of Directors of Education in partnership with the Institute of Education Leadership (IEL) commissioned Dr Ken Leithwood to identify and describe, from the best available research, the characteristics of high performing school systems and the leadership required to develop such systems.
Go to the the Current Project page to learn more and download the report.
Update October 2015 - New materials have been developed to assist Parents to inspire their children to learn and love math. (Elementary Grades)
Background - Several sets of materials have been developed by the Council of Ontario Directors of Education and funded by the Ontario Ministry of Education.
Go to the Parent Engagement web page.
Accédez à la page Web la participation des parents
Update March 2016 - Reporting on the Findings from the Ontario Ministry of Education's First Nations, Métis and Inuit Focused Collaborative Inquiry Initiative 2013 – 2014 and 2014-2015
Click Here to go to the Listening Stone Project and read the recently posted Year Two Report
Student well-being "lives" in the context of child and youth well-being and as such, school boards and public health units share in this important mandate. Strong partnerships that focus efforts on strategic priorities can improve health outcomes for children and students, positively affect their achievement and reduce preventable illness and injuries, which in turn will contribute to a healthier and better-educated citizenry.
Working toward these shared mandates and common goals, in October 2013 the Council of Ontario Directors of Education (CODE) and the Council of Ontario Medical Officers of Health (COMOH) formed a provincial partnership committee.
Go to the CODE-COMOH Page to find out more.
CODE has developed a revised Summer Learning Program Planning Guide for district school boards. The Guide offers a brod range of examples and also details deliverables and expectations for summer learning programs.
2014 Planning Guide and more information in English & French
As part of the CODE Health and Safety In Schools project and as a support to the Ontario Ministry of Education Student Injury Prevention Initiative a series of student safety resource guides and safety checklists have been developed for student safety in Grade 7 to 12 science labs and technological education facilities.
New: Executive Summary in English & French Posted April 16, 2014.
Learning from the Ontario Ministry of Education's First Nations, Métis and Inuit Focused Collaborative Inquiry Initiative 2013 - 2014.
Click Here to go to the Listening Stone Project.
CODE with funding from the Literacy and Numeracy Secretariat continues to coordinate a summer learning program and research study designed to help primary students close the achievement gap.
CODE has developed a series of advisories to assist senior administrators. These brief statements on practical aspects of administration and student learning are concise and based on the experience of practitioners and include a historical and political perspective where needed.
CODE manages the School College Work Initiative (SCWI) which has developed numerous projects across the province and provides forums at the regional level to facilitate pathways for students going to college.
CODE administre l'Initiative de jonction écoles-collèges-milieu de travail (IJECT) comprenant de nombreux projets partout en province incluant des forums régionaux, le tout ayant comme objectif de faciliter l'accès au collège pour les élèves du secondaire.
CODE on its own and in partnership with the Ontario Ministry of Education has completed a number of projects focused on specific educational initiatives that are of interest to our membership.


text: Teen cum slut Jakehunt22 499 days ago on Gay Stories My name is Jake Hunt (yes this is my real name) I am an 18 year old bi sexual high school senior. This is a story about my "addiction" to sucking cock, and my most recent conquest. First off, I wouldn't call it an addiction, but to me, there's no feeling in the world of having a big juicy dick down my throat. Anyways, the first cock I sucked was when I was 15 years old, a second semester freshman in high school. I had always been quite close to my friend Chad, I'd known him for countless years. He's tall, well built, and is simply perfect. We would always brag to each other about the pussy we had gotten as if it were a competition, but ever since I met him in elementary school, I knew I wanted to hook up with him. One day, sophomore year, Chad came over on a Saturday and I had my Share Story Teen cum slut Twitter Facebook Google + Linkedin Reddit Delicious Digg Tumblr Pinterest FriendFeed Slashdot FURL Vote 1 Bury


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Skip to comments.Lawsuit filed to remove Obama from Mississippi ballot
Posted on 09/24/2012 5:33:57 PM PDT by Elderberry
click here to read article
The federal-official defendants (Obama, Pelosi, et al.) have 60 days. The other defendants have 21 days. If the defendants respond by making a motion to dismiss, Orly has 21 days to respond to that motion and the defendants have 7 days to reply to that response.
The one defendant Orly did serve (the Mississippi Democratic Party) has already moved to dismiss. The judge gave Orly 21 days from yesterday to respond to that motion; the Party has 7 days from then to Reply, and the judge said that he would schedule a hearing on that motion after all the papers are in.
The upshot is that the next hearing will not be until December at the earliest.
Probably later.
The judge stayed all discovery until all defendants have been served and the motions to dismiss have been decided.
Sorry, I fell asleep, but how did it get turned into a Federal case?
Orly Taitz-- who could have had a definitive ruling from the Mississippi courts by now had she left her case as a simple ballot-eligibility hearing-- decided to get cute and amended her complaint to add a federal racketeering claim (RICO) against Obama, Pelosi, and a batch more defendants. Because RICO is a federal law, the defendants exercised their right to remove the case to federal court. Orly then spent the last few months trying to get the case sent back to state court. The federal judge denied that motion yesterday, so the case is now going to continue in federal court.
By first amending her suit to add RICO, then failing to serve the suit on the new defendants, and then making a (baseless) motion to send the case back to state court, Orly has succeeded in delaying her own case so long that it cannot possibly be heard until after the election.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


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Ovarian cancer (including fallopian tube and peritoneal) can be difficult to detect in early stages, and symptoms tend to be vague. That's why you need a team of true experts.
At Holden Comprehensive Cancer Center at the University of Iowa, we are highly coordinated at every step, with the latest research to deliver the best care for you. As part of a nationally recognized cancer center, our highly experienced physicians and staff are dedicated to taking care of you, not just your cancer. Our clinicians are also top researchers, finding new and innovative treatments and therapies. Enroll in a clinical trial to get ahead of the game.
A recent study published in the journal Cancer showed that patients treated at NCI-designated cancer centers have better survival outcomes than patients treated at non–NCI-designated cancer centers. Holden Comprehensive Cancer Center is the only institution in Iowa to hold the prestigious designation of being a Comprehensive Cancer Center by the National Cancer Institute (NCI), meaning we are rated in the top 4 percent of the approximately 1,500 cancer centers in the United States.
To be considered a "comprehensive" center means our teams have expertise in clinical, laboratory, and population-based research. Our doctors and staff are on top of the newest developments in cancer research, treatment, and diagnosis.
Clinical trials are where research meets patient care. Clinical trials are research studies that test out the latest treatments and drugs that are not yet available to the wider public. These new treatments have the potential to improve your quality of life or increase your chances of survival.
Currently enrolling: A few different studies are currently enrolling that are testing the effectiveness of different drugs; eligibility will depend on disease type, progression, recurrence, and other factors. Search our database, and type "ovary" next to "disease site." In addition, a study is testing a way to help physicians identify women 70 years and older who would do well with surgery. It involves a questionnaire and blood work.
See a full list and learn more about clinical trials at Holden Comprehensive Cancer Center.
For providers: Proceedings in Obstetrics and Gynecology is an open-access peer-reviewed journal that the Department of Obstetrics and Gynecology at the University of Iowa launched in 2010.
Ovarian cancer is cancer that starts in the ovaries. The ovaries are the female reproductive organs that produce eggs. There are three main types of ovarian tumors:
Treatment plans for ovarian, fallopian tube, or peritoneal cancer may include:
We bring experts from different fields of medicine to work together as a team called a multidisciplinary oncology group. Because many patients require more than one form of treatment, our team meets regularly to discuss the best course of treatment and works together to design the best personalized plan for every patient. The team includes radiologists, gynecologic oncologists, social workers, pathologists, pharmacists, nurses, and laboratory-based scientists.
Our team of specialists focuses not just on gynecologic cancer, but on your gynecologic cancer. That means our team of experts will design a treatment plan that is tailored to your individual needs.


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SEMI-DETACH HOME LOCATED IN GROWNING DEANWOOD COMMUNITY. SOLD AS-IS CONDITION, BRICK COLONIAL ON QUIET BLOCK Needs TLC. Rear yard W/SPACE FOR 2 CARS. Close to METRO. Contracts WITH LENDER APPROVED LETTER AND STRONG FINANCIAL INFO.SUBJECT TO BANK APPROVAL.
† Excluded Feature
4941 BLAINE ST NE, Washington, DC, 20019 is a Single Family Home for sale at $230,000 with a lot size of 0.066001 Acre(s). 4941 BLAINE ST NE has 3 bedrooms, 2.0 baths, and was built in 1929. The property's zip code is 20019 which is in Washington, DC
Based on 20.00 % down and a 4.13 % financing rate
Includes Mortage, Insurance, and Tax payments
Information deemed reliable but not guaranteed.
The information contained in this listing is deemed reliable but not guaranteed. Listing data provided by Metropolitan
Regional Information Systems, Inc. as of 5/3/2016
Financial calculator disclaimer:
Default based on a 30-year fixed rate of 4.125% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.


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For The Kitchen That Has to Be Equipped With Everything
The Glass Pot by Massimo Castagna
The Glass Pot by Massimo Castagna
Friends of Type are prolific. For this new box set produced by Princeton Architectural Press, the cross-continental design collective have compiled 100 of their favorite designs produced over the years and turned them into postcards. Featuring slogans, sayings, and salutations, the set is as much a study in letterform as it is a place form letters on.
Real fine Italian design
In a tradition allegedly dating back to Marie Antoinette, a body part that we've seen thousands of times now has its own Champagne coupe modeled after it. That's right, Kate Moss's left breast has been the inspiration for the shape of this cup—moulded while the supermodel was pregnant for extra volume—by Lucien Freud's daughter, British sculptor Jane McAdam Freud. Commissioned by Richard Caring's Mayfair restaurant 34 to celebrate Moss's 25 years of service in the fashion industry, the glass will be available for use beginning in October at 34 and its three sister restaurants across London. It's without a doubt the closest you'll ever get to partying with the fashion icon, and the only way to classily cop a feel.
Adding some flare to a traditional tattooing device, the Handpoker is a 3D printed stainless steel implement of ink by the Brooklyn design studio Death at Sea.
via, coolhunting
James Bosnack's invention of the cigarette-rolling machine in 1880 helped propel the early 20th century economy forward, making the mass-production of cigarettes a "Potent Symbol of Velocity for the New Modern Age."
via, laughingsquid
The Original Nomad Collapsible Tub sets up in 20 minutes and reaches a water temperature of 100º in about an hour. Just enough time to get a little groovy and ready for relaxing in the wild.
The Writer's Block is a classy desk accessory that holds a pen and a notebook. Designed by the folks behind Word. and machined in Philadelphia, it's a good-looking way to show off your dedication to the dying art of handwriting.
Using a set of Picasso's lithographs as reference, Apple designers are taught to strive for simplicity.
The Polaroid
Cute Cube is a tiny little camera built to handle all of the elements. Priced at $100 and equipped with a 124° wide angle lens capable of capturing HD video and still images, the mountable, waterproof Cube is an extremely affordable option to the Go-Pro.
Known as the "Flamingo" in Japan, the Sony PS-F9 was a battery operated direct drive turntable that featured linear tracking. Including two headphone outlets, the PS-F9 went on sale in 1982 and was the closest Sony ever got to making a "Walkman" for records.
Danish Architect Bjarke Ingels is redesigning the zoo experience to create an integrated space where there are no cages, and wildlife and humans are able to co-exist peacefully. Building upon an existing zoological park originally founded in the 1960s in southern Denmark, ZOOTOPIA will feature three continents—Asia, Africa, and America—connected by loops that begin in one central location. The key to this experience and design is in the camouflage of the structures, which will not be buildings so much as bunkers. Utilizing pods and paths, visitors will be able to fly, sail, bike, or hike through the park, all the while not disrupting the inhabitants. But the real question is, what if the inhabitants start disrupting the visitors? Cages or not, Zoo animals are only as free as their confines allow.


text:
Staff Photos: Jonathan Phillips
Above, Shawn Giles, right, and George Bujoreanu hang out before the start of their swim meet at Mountain Park Aquatic Center on Thursday. Both George and Shawn have undergone open heart surgery.
Parts of Alabama have been under a heat advisory since Friday.
Energy experts offer important tips on how to keep cool on a budget.
Swimming pools are an affordable way to keep cool and Water World is benefitting from the heat.
Around 1500 people visited the attraction on Saturday.
"Business has been busy. Lots of people are coming to cool off at Water World and this heat has brought out huge crowds," says Kelly Carter, Operations Manager at Water World.
Another tip is to change your air filter once a month to reduce the strain on your air conditioning unit.
Experts say this simple step can reduce your utility bill by $63 a year.
For more energy saving tips visit the Alliance Save Energy at www.ase.org.


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I don't have any understanding of a human being who doesn't respect the beauty of life and that goes for all creatures that have thoughts, feelings and needs.
Alicia Silverstone
Contributed by: Gaia Team
I know what it feels like to be hurt, and I don't want to cause that pain to any other person or creature. But somehow, in society, we numb ourselves in order to make money or to feel better about ourselves, such as with cosmetics or food. We say to ourselves, I'm going to use this animal. I'm going to say it doesn't have much worth so that I can allow myself to do these cruel things. And that just isn't fair.
Not that I say, "Oh, I'm not going to associate with certain people," but I have my world, and I only want to be around people who I feel stimulated by. I have to be honest I do have a new quest: I want to meet more vegetarians, people who are more like minded. There's something real neat about that feeling. It makes you feel so settled to know there's somebody else sitting right there, being so passionate about what I'm passionate about. I don't want to be around selfish people. I try to keep myself surrounded by deep people who will move me.
Nothing's changed my life more. I feel better about myself as a person, being conscious and responsible for my actions and I lost weight and my skin cleared up and I got bright eyes and I just became stronger and healthier and happier. Can't think of anything better in the world to be but be vegan.
Copyright © 2016 Gaiam, Inc.


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Melbourne-based surfers Dan Single and George Gorrow founded Ksubi in 2000 after becoming fed up with fashion's denim offerings. Unable to find a pair of jeans that fit properly, Single and Gorrow launched their own clothing line — originally called Tsubi — and quickly became cult favorites in Australia. Riding that wave of success, the designing duo expanded Ksubi to include men's and women's sunglasses and eyewear, classic leather shoes and boots, dresses, and other threads and accessories. From wildly printed women's cut-off denim shorts to black and gold-embroidered bomber jackets, Ksubi's clothing expertly balances high-end sophistication and brash edge.
You'll be dreaming of jeans, especially at these wallet-friendly prices
Style upgrades that won't destroy your savings
An ultimate mix of hit-making premium denim
Free-spirited style for sunny days ahead, from printed maxis to flared jeans


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"Home Town" Fairmont by scaleguy
Fairmont Travel Guide: 1 reviews and 8 photos
This is my house. My daughter and I live in Fairmont. For the most part it is very flat with a steady wind of 15 to 20 mph. Corn fields as far as the eye can see.
I decided I am going to learn to fly. I have completed my ground school and I have done my very first flight. It was an incredible experience. All I can say is there is a difference between passenger and pilot.
Here I am, landing after flying for two hours.
- Pros:I live here
- Cons:BORING
- In a nutshell:Nothing to do except fish and drink beer
Reviews (2)
Be prepared to be good at bar sports. Pool and darts. more travel advice
Not much of a night life. Racing in the summer time. Watch out for the police, they have nothing to do except make up... more travel advice
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text:
I'm a database developer for a CRO that does pharmaceutical and chemical studies. My duties include: designing and building databases, troubleshooting database performance issues, building SSRS reports, installing and configuring SQL Server (2005 and 2008), configuring SQL Server security, configuring SSRS security, and some other stuff.
I also build on-line surveys in PHP using a MSSQL Server 2005 backend for an Economic Development Consulting company.
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Keeping a low profile.
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text:
I needed a vector Instagram logo for a large scale vehicle wrap I'm working on. Couldn't find one so I made one.
I realize this isn't perfect but I created it in about 20 minutes.
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Show and tell for designers
What are you working on? Dribbble is a community of designers sharing screenshots of their work, process, and projects.
Copyright © 2009–2016 Dribbble LLC. All screenshots © their respective owners. Shipped from Salem, Mass. USA.


text:
Fireflies (Owl City) - Cover
Credits & Info
- Uploaded
- Jan 26, 2010 | 9:22 PM EST
- File Info
- Song
- 3 min 45 sec
- Score
- 4.05 / 5.00
Related Content
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Licensing Terms
You may not use this work for commercial purposes without making specific arrangements with the artist UNLESS your work is a web-based game or animation, in which case you may use this freely.
- Score:
- Rated 4.05 / 5 stars
- Plays & Downloads:
- 11,187 Plays | 425 Downloads
- Share Links:
- Genres:
- Metal, Rock - Pop
- None
Author Comments
Rated 5 / 5 stars
Owl City
I'll be honest I'm not a fan of Owl city, but as far as a cover goes, this is very well done, singing and all
Good on ya'
Rated 5 / 5 stars
i want this on my i phone
Rated 5 / 5 stars
You have a good voice
I'm not sure if this is the right song for your voice however. Keep making more music, the rest of your songs are quite amazing!
Rated 5 / 5 stars
You're voice is amazing, although it does fall flat at points, but the rest of the song makes up for those points.
Rated 5 / 5 stars
idk y...
I don't like the original song; Fireflies. . .
It had that strange voice person and it didn't have this type of rythmn.
This is 100x better than Fireflies, since you are a highly crafted Musician :D


text:
Billionaire Donald Trump caused a flurry of speculation on Wednesday when he announced that he would be making a major announcement on Thursday, Groundhog Day. According to Trump adviser Michael Cohen, "the announcement will pertain to the presidential race." There has been speculation that Mr. Trump will be making an endorsement.
Tag Archive for GOP
President Obama's State of the Union: Shared Sacrifice
by Dan Chmielewski •
President Obama gave a stirring State of the Union and really reminded me of the candidate we elected in 2008. He called for shared sacrifice, fairness and appealed to Congress to unify and move the country forward — together. Indiana Govenror Mitch Daniels gave the response and his message was more forcused on the individual…
Unemployment drops to 8.5 percent in December 2011
by Chris Prevatt •
U.S. employment grew solidly last month, continuing a strengthening trend in the nation's job market seen in the second half of 2011. I can't wait to see how the GOP presidential candidates will try to spin this as a failure on the part of Democrats and President Obama.
Perspectives on Iowa
by Dan Chmielewski •
The Iowa caucuses are behind us and the real winner from the event is clearly President Obama. It's the first contest of this election year and with the New Hampshire Primary close behind, it's far too early for certain Republican challengers to throw in the towel. Iowa and New Hampshire are both small states. Iowa…
Rolling Stone Magazine: GOP's Crackpot Agenda
by Dan Chmielewski •
Rolling Stone Magazine's political coverage has been sharp and detailed in its reporting, a far cry from the brilliant yet gonzo journalism style employed by the late Hunter S. Thompson, but this piece in the Magazine's year end review details how the Republican party platform for the 2012 presidential race isn't all that different from candidate to candidate.
Tom Friedman's Thanksgiving Gift to Obama
by Dan Chmielewski •
Tom Friedman is a columnist for the New York Times. And I find his work inconsistent. Sometimes I love what he writes and other times, I think he had too much to drink when he wrote it. But today's column is a gem and one Obama detractors ought to read. From the column: I voted…
Mickadeit Gets Irvine Wrong Again
by Dan Chmielewski •
In the Thursday edition of the OC Register, columnist Frank Mickadeit's column makes it sound like the sky is falling because Mayor Sukhee Kang cast two votes in a different direction from council member Larry Agran. I really hate to break it to Frank, as he perpetuates this notion that Kang and Krom are Agran…


text:
COPC provides consulting, training and certification services to buyers and providers of customer service, customer call centers and process outsourcing operations.
"Positioning COPC Inc.'s headquarters here in Austin seemed like a prime opportunity for a real synergistic relationship with our host city," says Martin.
Austin's reputation as a leading – more... service market coupled with an ever-expanding labor pool and a critical mass of client companies helped seal the deal to relocate, he adds.
COPC Inc.'s current clients with Austin operations are Harte-Hanks Inc., Apple Inc. and Transworks Minacs. The company is also actively involved in the Austin Call Center Alliance.
Beyond relocating its base to Austin, COPC will also start holding most of the company's North American management training classes here. In 2008 alone, the company expects to bring in about 400 attendees for these sessions. – less–ZoomInfo


text:
COMPANY REPORTS; Profit Down For Texas Instruments
By AMY HARMON
Published: July 22, 1998
Texas Instruments Inc., the leading maker of semiconductors for mobile phones, reported a greater-than-expected decline in second-quarter profit yesterday, attributing it to weak prices for memory chips.
The Dallas-based company's net income fell to $43 million, or 11 cents a share, down from $249 million or 65 cents, in the period a year earlier. Texas Instruments' earnings before charges fell to $142 million, or 35 cents a diluted share, from $213 million, or 54 cents, before charges and gains in the period a year ago.
Analysts had expected earnings before the charges of 37 cents a share, according to a survey by the First Call Corporation.
Revenues declined about 15 percent, to $2.17 billion from $2.56 billion.
The semiconductor industry is ailing because of a global oversupply of chips, falling prices and the economic turmoil in Asia. Earnings were also hurt by flat sales of digital signal processors, the chips used in cellular phones and disk drives. Sales of the specialized chips were unchanged from the first quarter, although up from the corresponding period a year earlier.
Texas Instruments said it expected prices to remain depressed in the third quarter.
Prices for the dynamic random-access memory chips used in personal computers fell about 30 percent from the previous quarter and about 70 percent from the period a year ago, the company said.
Texas Instruments agreed last month to sell its memory-chip operations to the rival Micron Technology Inc. for $641 million in stock plus $190 million in debt.
Shares of Texas Instruments rose $2, to $60.9375, in Nasdaq trading.
Texas Instruments set aside $233 million before taxes in the second quarter to pay for a revamping that included the sale of its memory chip business to Micron and the elimination of 3,500 employees through layoffs and attrition. The company also reported a gain of $83 million from the sale of its joint venture with the Acer Corporation to Acer.
Drew Peck, an analyst with Cowen & Company, said demand for digital signal processors should pick up next year, driven by an expected recovery in disk drive sales, as well as the introduction of new products that incorporate the chips, such as motor controllers for refrigerators and air conditioners.
William Aylesworth, Texas Instruments' chief financial officer, said the unusual sluggishness in the digital signal processor market was largely a result of economic woes in Asia, which had been one of the fastest-growing markets for the chips.
''Certainly in the third quarter, there is going to be continued pressure on margins because of the weak orders from the second quarter,'' Mr. Aylesworth said.
Table: ''Texas Instruments Inc. (TXN,N)'' Qtr. to June 30 1998 1997 %Ch Rev. 2,167,000,000 2,559,000,000 -15.3 Net inc. b43,000,000 c249,000,000 -82.7 Sh. earn .11 .63 Sh. out. 401,900,000 396,900,000 b-Included pretax gain of $83 million from the sale of shares in the TI-Acer D-RAM semiconductor manufacturing venture and a pretax charge for worldwide restructuring of $233 million, of which $126 million was included in marketing, general and administrative expense and $107 million in cost of revenues. Income from continuing operations was $142 million, or 35 cents a share, excluding these items. c-Included income from discontinued operations of $25 million, or 7 cents a share. Income was $213 million, or 54 cents a share, excluding special operating charges of $44 million and gains of $66 million. Results are for the second quarter. Yesterday's closing price: $60.9375 Up $2


text: It's a good practice to rehearse your wedding ceremony before the fact, so everyone knows what to do. Our officiant and coordinator recommended it (and included it in their fees), so we decided to hold a rehearsal for our bridal party the day before the wedding. Unfortunately, our venue was booked for a wedding that night, so we were unable to rehearse at the actual wedding site. We decided instead to do it at the Mt. Pleasant Memorial Waterfront Park. We chose this park for a few reasons—most importantly, it was free. We just planned to stand on the grass somewhere. There was covered space (under the bridge), so we were OK for most weather. (If it had been raining hard, we would have just done it inside the hotel.) The park was a three minute walk from the hotel where most of our guests and bridal party were staying and where our welcome party was held a couple of hours later.


text:
Montpelier Re Holdings Ltd. (NYSE:MRH)
Q4 2008 Earnings Call Transcript
February 18, 2009 8:30 am ET
Jonathan B. Kim – Senior Vice President and General Counsel and Secretary
Christopher Lloyd Harris – President and Chief Executive Officer
David S. Sinnott – Executive Vice President and Chief Underwriting Officer
Michael S. Paquette – Executive Vice President and Chief Financial Officer
Matthew Heimermann – JPMorgan
Ian Gutterman – Adage Capital
Greetings ladies and gentlemen. And welcome to the Montpelier Re Holdings Limited conference call. (Operator Instructions) It is now my pleasure to introduce your host, Mr. Jonathan Kim, General Counsel and Secretary of Montpelier Re. Thank you Mr. Kim you may begin.
Jonathan Kim
Thank you. Good morning and welcome to Montpelier Re's fourth quarter and full year 2008 earnings conference call and webcast. A press release setting out our results, together with a detailed financial supplement have been posted to the company's website at www.montpelierre.bm. This call is being webcast live and will be available for replay until March 18, 2009.
Our speakers today are our Chris Harris, President and CEO; David Sinnott, Chief Underwriting Officer; and Mike Paquette, Chief Financial Officer. Chris and David will give their commentary on the quarter, and then Mike will present an overview of the financial results. We will then be pleased to take your questions.
During our discussion this morning, we may make forward-looking statements. Any such statements are based on the company's current plans, estimates, and expectations. Actual results could differ materially from those projected in any forward-looking statements as a result of certain risk factors disclosed previously and from time-to-time in Montpelier's filings with the U.S. Securities and Exchange Commission. The company undertakes no obligation to publicly update or revise any forward-looking statements whether as a result of new information, future events, or otherwise.
I would now like to turn the proceedings over to Chris.
Christopher Lloyd Harris
Good morning, ladies and gentlemen. Montpelier just completed its eighth January renewal season. While our underwriting focus has not changed, our operating model has matured. We don't plan to be all things to all clients.
Our property catastrophe treaty business, where we are a recognized market leader remains our core focus, but we continually work to identify and build complementary opportunistic businesses around that core.
Both our internal and external capital requirements are predominantly driven by peak zone catastrophe exposures. Therefore we have the capacity to write substantial other business outside these areas, but if and only if it meets our pricing target only profit diversified.
In keeping with our maturity, we have delivered a solid underwriting profit for the year, despite a high level of individual risk and natural catastrophe losses for the industry. Our net Ike loss fell within the expected range embedded in our pricing and risk management metrics for a storm of that size.
Mike will provide details on our investment performance, which was a disappointment particularly in the alternative portfolio, but I would like to remind listeners of the other investments, we have made over the last few years to strengthen our franchise.
Investments in underwriting talent, investments in technology to improve our risk selection and investments in New London and U.S. platforms, all of these investments are aimed at allowing us to find and convert more profitable business opportunity. Our extended platform is now operational and units outside of Bermuda produce 20% of the groups' premium in 2008. We expect that percentage to more than double by 2010.
Some people questioned our decision to expand in the face of what at the time was a declining rate environment. However, we have maintained a patient underwriting strategy, rather than chasing immediate growth and we've recruited new talents to the organization, while sticking to our consistent risk management approach.
As a result, we now entered 2009 in a much stronger competitive position with twin tailwinds of improved conditions within our core property catastrophe lines and increased access to other diversifying business. We are very well positioned for 2009 and we expect rates to continue to firm through the year. We expect to deliver net premium growth and higher expected returns with a reduced single event risk profile in most key catastrophe zones.
Our existing capital base is adequate to execute our plan, but we have the flexibility to access $89 million of contingent capital, if underwriting conditions improve as we believe they will.
With that I will turn it over to David, for more details on the underwriting.
David Sinnott
Thank you Chris, and good morning. Gross written premiums for the fourth quarter of 2008 came in at $73 million versus $76 million in the prior year, a decline of 5%. Gains in our property catastrophe and property specialty accounts were offset by a decline in the casualty portion of the other specialty business segment, the driver of which was premium adjustments to prior years on certain loss sensitive contracts.
Net premiums written for the full year were nearly flat at $541 million versus $549 million, a decline of 1%. The cumulative impact of price reductions was largely offset by new business generation and a lower amount of ceded reinsurance purchased in 2008 versus the prior year.
To recap the January 1 renewals, we observe positive pricing trends in the majority of our business segments. The premium weighted renewal price index across the whole portfolio in the month of January is 107, which ends a 22-month streak of composite price reductions. The RPI for Property CAT XL, our largest block of business to renew at year-end came in at 108 for January, which splits 110 and 105 between our U.S. and international treaty portfolios respectively.
In the U.S., the overall RPI masked significant differences by region and loss experienced. Loss affected accounts and portfolios exposing peak accumulation zones experienced real rate increases in excess of 25% in a number of instances whereas regional and lottery business registered more modest improvements.
In addition to experience in cost of capital considerations, increased demand helped to prop up CAT XL rates in this segment. So we believe budget pressures arising from competitive conditions in the original business prompted a number of carriers to assume large co-participations, thereby negatively impacting the flow of premium dollars to reinsurers.
Due to the high incidence of catastrophe activity in the U.S. Midwest during 2008, we witnessed increased demand for aggregate protection at 1/1. Historically, we have found it difficult to convert these opportunities however we were able to write several new contracts of this type at very reasonable terms.
As our RPI data suggests, achieving price increases in the non-U.S. territories prove more challenging. Generally non-loss affected buyers in Europe resisted paying more and established reinsurers were willing to oblige in an effort to retain business. With a few exceptions pricing offered on business outside the peak Europe wind zone still does not meet our requirements.
Despite the rate strengthening in our property catastrophe line, we took deliberate steps to reduce our gross exposures at January 1, anticipating a further tightening in rates for the remainder of the year. This action gives us the flexibility to redeploy aggregate at even better terms midyear, risk constraints permitting.
At the same time due to the wider disparity between reinsurance and retrocession pricing compared with a year ago, we non-renewed certain outwards protection at January 1 and anticipate making further reductions later in the year. We believe the premium savings resulting from retaining a higher proportion of exposure for our net position will more than offset the income decrease resulting from gross exposure cuts.
Switching to the non-CAT arena, in the specialty treaty segments, we saw some healthy new business generation and improved signings resulting from cedings opting to diversify more broadly their reinsurance panels.
These positive developments were offset to some extent by the non-renewal of a few quota share treaties not meeting our pricing hurdles. From a pricing perspective, most lines are stable. So we continue to observe modest erosion in the specialty casualty arena, which has yet to show signs of correction, despite an unfavorable interest rate environment.
In our Property Direct & Facultative segments, rates have now stabilized in nearly all classes for business originated by both our Bermuda and Lloyd platforms. While, January 1, is not a key renewal day, nearly all business renewed on this date registered a positive RPI. Terms and conditions remained competitive on facultative business written through our U.S. agency operation, so we are beginning to see some encouraging pricing trends.
Looking forward to the balance of 2009 our thesis for continued market tightening remains intact for U.S. property business, as demand for reinsurance should continue to expand with or without any major revisions to the Florida CAT fund, with supply growth being largely restricted to retained earnings. We are more guarded in our views of the international markets, which will be tested soon by the upcoming Japanese renewals at April 1.
I will now turn the discussion over to Mike Paquette, who will comment on the quarterly financial results.
Michael Paquette
Thank you, David. Our fourth quarter 2008 results were mixed with strong underwriting results being muted by investment losses. Fully converted book value per share ended the year at $15.94, a decrease of 3.6% for the quarter and 9.2% for the year inclusive of dividend.
Our operating income for the fourth quarter of 2008 was $57 million, or $0.68 per share. Our comprehensive loss for the fourth quarter of 2008 was $51 million, or $0.61 per share, which includes $50 million of net realized investment losses and $59 million of net unrealized investment losses.
The company's financial impact from Hurricane Gustav and Ike, net of reinsurance, reinstatements and reductions and incentive accruals did not change significantly during the quarter and currently stands at approximately $140 million.
During the 2008 fourth quarter, we experienced $32 million of favorable releases from prior year loss reserves. As of both December 31, 2008 and 2007, our growth IB&R reserves constituted 53% of our total loss and LAE reserves.
General and administrative expenses for the 2008 fourth quarter were $31 million versus $27 million for the comparable 2007 period. The net increase is comprised of a $50 million increase or $5 million increase in fixed expenses offset by $1 million in decrease in variable expenses.
The increase in fixed expenses is due mostly to incremental costs incurred by our newly established operation. The reduction in our variable expenses resulted from a decrease in incentive compensation accruals. Net investment income for the 2008 fourth quarter was $19 million versus $33 million for the comparable 2007 period. The decrease is the result of dramatically lower yields on a lower investment base.
Our consolidated net investment return for the 2008 fourth quarter was a negative 3.5%. While our alternative portfolio results were especially disappointing down 28% for the quarter, our fixed income in equity portfolios performed reasonably well, relative to their benchmark.
Although the short duration of our fixed income portfolio meant we didn't benefit much from the significant downward shift in the Treasury Curve during the fourth quarter, we believe this conservative positioning will serve as well as treasury yield start to rise again, as they have thus far this year.
Realized losses during the 2008 fourth quarter included $16 million write-off of an investment in a leverage loan fund, which we preannounced in our last Form 10-Q and a $19 million write-off of an investment in a leverage distressed debt fund. As of year-end, we had either written off or redeemed these two investments in their entirety.
In terms of investment positioning, our highly liquid fixed income and cash portfolio currently has duration of 1.7 years and an average credit quality of AA+. Our financial supplement provides detailed disclosures on each of the components of our investment portfolio.
We did not repurchase any shares in the fourth quarter. However, we did issue 335,000 shares during the period under our long-term incentive plan. From a total capital perspective, we remain comfortable with our current level of $1.8 billion, which includes $353 million in debt and $89 million of contingent equity capital.
With my summary concluded, I will now turn to the operator for any questions that you may have for us.
Question-and-Answer Session
(Operator Instructions) We have a question from Matthew Heimermann of JP Morgan. Please go ahead.
Matthew Heimermann – JPMorgan
Hi, good morning everybody. The first question is can you just update us on your thinking with respect to reinsurance protection. You might buy in 2009, obviously the capital is much changed from a couple years ago when you became a heavier buyer, so just would be interested in thoughts there given the availability and price?
Christopher Lloyd Harris
Okay thanks Matt. This is Chris. I think it's fair to say you should expect to see our net earned to gross earned premium ratio go up during this year. I mean certainly at 1/1 we bought less retrocession protection than we had previously. And that was really as David noted in his script, just a function of the market pricing, we thought the cost of the retro, it was more efficient for us to retain it on our balance sheet and then to buy at those levels.
Matthew Heimermann – JP Morgan
And as part of the question you are getting from just frankly the fact that with exposures going down, net-net you're just getting more than I mean that's helping the equation to a large extent.
Christopher Lloyd Harris
Matthew Heimermann – JP Morgan
Okay, and then how about on that the diversifying businesses you are pushing in? Or how dependent are those on reinsurance if at all?
Christopher Lloyd Harris
Not vary is the answer, our big constraint there has been market conditions, it hasn't really been capital or availability of reinsurance.
Matthew Heimermann – JP Morgan
Okay, and then can you remind us with the contingent capital is that capital that the rating agencies already contemplate with respect to their view of you?
Michael Paquette
It's Mike Paquette, the answer there is yes. They give us credit for having that back stuff.
Matthew Heimermann – JP Morgan
Christopher Lloyd Harris
They kind of give you a partial credit, I would say it's a part qualitative and part quantitative, so if you draw, you would get full credit, so right now, we are getting a partial credit, I would say.
Matthew Heimermann – JP Morgan
Okay. I appreciate it. Thanks.
(Operator instructions). We have a question from Ian Gutterman of Adage Capital. Please go ahead.
Ian Gutterman – Adage Capital
Hi. Just quickly the combined ratio if I take apart development basically the accident year was in the high 80s, which is higher than normal. Was there any CAT loss that you can isolate out of large non-cap property losses, or something else that was driving that?
Christopher Lloyd Harris
Two things going on there, one there were a few large fire individual risk losses and some that was about $10 million that they contributed in the current accident quarter. And then also there were some Ike development, which was generally offset by reinstatement premium, but that tends to pushup the accident year ratio even though the dollar impact, if you get a dollar of reinstatement premium and a dollar loss coming, it's still at a 100% loss ratio to the quarter.
Ian Gutterman – Adage Capital
Sure, okay Kim, do you have the components of that loss versus reinstatement?
Christopher Lloyd Harris
For the quarter it would have been in roughly about $24 million of net loss, and call it about 11 of reinstatement premium.
Ian Gutterman – Adage Capital
Okay, great, that makes sense.
Christopher Lloyd Harris
Related to Ike, and then as I have said, there was about another $10 million of what we would call large risk losses. Larger or anything.
Ian Gutterman – Adage Capital
Perhaps I think that was my only question. Thank you.
There are no further questions at this time. Mr. Kim, please proceed with your closing remarks.
Jonathan Kim
That concludes the proceedings from the company's point of view. So, it only remains for me to thank you all very much for your participation and we hope you would join us again at our first quarter earnings call.
This concludes today's conference. Thank you for your participation.
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text:
Welcome to the AOCS Lipid Library!
The AOCS Lipid Library is an open access website, which is intended to be the major online source of information on lipid science and technology. It is freely available to scientists, technologists, students and laymen everywhere.
This website is owned and managed by AOCS - American Oil Chemists' Society.
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text:
Taylor, Alan Take NSAI Honor
Taylor Swift and Alan Jackson were honored as Songwriter/Artist of the Year by the Nashville Songwriters Association International at the 38th Annual Nashville Songwriters Hall of Fame dinner and awards event, Oct. 14.
Taylor, 17, is the youngest artist to receive this prestigious award, which is voted on by professional songwriter members of the NSAI. She is the first solo female artist in country history to write or co-write every song on a platinum-selling debut album. Taylor's self-titled debut CD has sold more than two million copies. "I am just freaking out," says Taylor of her surprise win. "And the fact that this award is voted on by my songwriting peers . . . I don't even know how to explain how honored I feel."
Don't miss an issue! Subscribe to Nash Country Weekly.


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Rated 5 / 5 stars
Real Talk!
Eyyyy Eyyyyy!. Big up to Dj Ses Ya'll! shit is tight
and real... definitely what we need nowadays.
keep it real and tight bro shit's nice
Alto - RsLs Music
Rated 4 / 5 stars
I like this track
I've been reading the reviews for this track. a few slagging it off. don't know why. Good track with clean lyrics. Nice idea, reminds me of will smith meets chase and status's - how does it feel. First rapper wasn't as good as the second, but he did alright still.
Rated 0 / 5 stars
you horrible rapping
is what ruins spoils beats with potential. you need to stop being something you not. lmfao you washed up bum.
rip rmp 2007 - 2007
no jobs hiring lmfao
Rated 2 / 5 stars
You Know who I Bz fool !!! Old school hook,but stop rapping ..... That spoils everything !!! Thats a fact
Rated 5 / 5 stars