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Patent application title: NATIONWIDE SEND PROCESS
Martin T. Mulligan (Gloversville, NY, US)
L. Edward Shaw (Dallas, TX, US)
Patricia Anne Sullivan Fleming (Brea, CA, US)
Thelma Yvonne Ashe (Baltimore, MD, US)
Gerald M. Vye (Castleton, NY, US)
Gilbert M. O'Sullivan (Charlton, NY, US)
IPC8 Class: AG06F1730FI
USPC Class:
Class name: Record, file, and data search and comparisons database query processing distributed search and retrieval
Publication date: 2011-04-28
Patent application number: 20110099198
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Methods, systems, apparatuses and/or computer program products are
directed to a nationwide send process of outgoing returns. A plurality of
outgoing return files are collected. The plurality of outgoing return
files are organized by endpoint destination and distributed on a
predetermined schedule to the endpoint destinations.
1. An method comprising: collecting a plurality of outgoing return files,
each outgoing return file representing a dishonored check; organizing the
plurality of outgoing return files by endpoint destination, where the
endpoint destination comprises one of a bank or Federal Reserve; and
distributing the plurality of outgoing return files on a predetermined
schedule to the endpoint destinations.
2. The method of claim 1, wherein the plurality of outgoing return files are associated with cash letters sent to the endpoint destinations, where the predetermined schedule is predetermined by the endpoint destinations.
3. The method of claim 1, wherein the distributing the plurality of outgoing return files on the predetermined schedule comprises distributing the plurality of outgoing return files hourly so that the maximum number of files distributed to each endpoint is 24 per day.
4. The method of claim 1, further comprising electronically transmitting, via a network, the outgoing returns to the endpoint destinations, wherein the endpoint destinations comprise financial institutions.
5. An nationwide send system comprising: at least one processing device configured to: collect a plurality of outgoing return files; organize the plurality of outgoing return files by endpoint destinations; and distribute the plurality of outgoing return files on a predetermined schedule to the endpoint destinations.
6. The apparatus of claim 5, wherein the plurality of outgoing return files represents checks issued from an issuing bank, wherein the checks are not paid by the issuing bank.
7. The apparatus of claim 5, wherein the distributing the plurality of outgoing return files on the predetermined schedule comprises distributing the plurality of outgoing return files hourly so that the maximum number of files distributed to each endpoint is 24 per day.
8. The apparatus of claim 5, further comprising a network, wherein the at least one processing device is further configured to electronically transmit, via the network, the outgoing returns to the endpoint destinations, wherein the endpoint destinations comprise financial institutions.
9. An method comprising: collecting a plurality of outgoing return files; organizing the plurality of outgoing return files by endpoint destination; and distributing the plurality of outgoing return files on a predetermined schedule.
10. The method of claim 9, wherein the plurality of outgoing return files represents checks issued from an issuing bank, wherein the checks are not paid by the issuing bank.
11. The method of claim 10, wherein the distributing the plurality of outgoing return files on the predetermined schedule comprises distributing the plurality of outgoing return files hourly so that the maximum number of files distributed to each endpoint is 24 per day.
12. The method of claim 10, further comprising electronically transmitting, via a network, the outgoing returns to the endpoint destinations, wherein the endpoint destinations comprise financial institutions.
13. A computer readable storage medium comprising a computer program product embodied therein, the computer program product, when executed on a computer causes the computer to: collect a plurality of outgoing return files; organize the plurality of outgoing return files by endpoint destinations; and distribute the plurality of outgoing return files on a predetermined schedule to the endpoint destinations
14. The computer readable storage medium of claim 13, wherein the plurality of outgoing return files represents checks issued from an issuing bank, wherein the checks are not paid by the issuing bank.
15. The computer readable storage medium of claim 13, wherein the receiving outgoing returns data files comprises receiving files of one of a Microsoft Word file format, a Microsoft Excel file format, a x9.37i file format, and a x9.37d file format.
16. The computer readable storage medium of claim 13, wherein the distributing the plurality of outgoing return files on the predetermined schedule comprises distributing the plurality of outgoing return files hourly so that the maximum number of files distributed to each endpoint is 24 per day.
17. The computer readable storage medium of claim 13, further comprising electronically transmitting, via a network, the outgoing returns to the endpoint destinations, wherein the endpoint destinations comprise financial institutions.
[0001] In the marketplace, customers can pay for products or services with a personal check. However, sometimes these checks are not honored by the paying institution of the check writer ("the payor") because, for example, there are insufficient funds to pay the check, a stop-payment has been placed on the check, the check is fraudulent or the like. As such, the check must be processed and settled appropriately and efficiently by the paying institution via flexible systems and methods.
[0002] In accordance with an embodiment of the present invention, methods, systems, apparatuses and/or computer program products are directed to a nationwide send process of outgoing returns. A plurality of outgoing return files are collected. The plurality of outgoing return files are organized by endpoint destination and distributed on a predetermined schedule to the endpoint destinations.
[0003] FIG. 1 illustrates an exemplary check clearing process.
[0004] FIG. 2 is a flow chart of a method outgoing returns processing in accordance with some embodiments.
[0005] FIG. 3 is a block schematic diagram of an example system for outgoing returns processing in accordance with some embodiments.
[0006] FIG. 4-7 illustrate an example of a nationwide send process in accordance with some embodiments.
[0007] FIG. 8 illustrates an example of a general ledger and automated settlement or clearing in accordance with some embodiments.
[0008] Embodiments of the present invention are described below with reference to flowchart illustrations and/or block diagrams of methods and apparatuses (systems, computer program products, devices, etc.). It will be understood that each block of the flowchart illustrations and/or block diagrams, and/or combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a particular machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a mechanism for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks.
[0009] These computer program instructions may also be stored or embodied in a computer-readable medium to form a computer program product that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture including instructions which implement the function/act specified in the flowchart and/or block diagram block(s).
[0010] Any combination of one or more computer-readable media/medium may be utilized. The computer-readable medium may be a computer-readable signal medium or a computer-readable storage medium. A computer-readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, device, or any suitable combination of the foregoing. More specific examples (a non-exhaustive list) of the computer-readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer-readable storage medium may be any medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
[0011] A computer-readable signal medium may include a propagated data signal with computer program instructions embodied therein, for example, in base band or as part of a carrier wave. Such a propagated signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer-readable signal medium may be any computer-readable medium that can contain, store, communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
[0012] Program code embodied on a computer-readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc.
[0013] The computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operation area steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions/acts specified in the flowchart and/or block diagram block(s). Alternatively, computer program implemented steps or acts may be combined with operator or human implemented steps or acts in order to carry out an embodiment of the invention.
[0014] Embodiments of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment (including firmware, resident software, micro-code, etc.) or an embodiment combining software and hardware aspects that may all generally be referred to herein as a "module," "apparatus," or "system."
[0015] The following detailed description refers to the accompanying drawings which illustrate specific embodiments of the invention. Other embodiments having different structures and operations do not depart from the scope of the present invention.
[0016] It should be understood that terms like "bank," "financial institution," and "institution" are used herein in their broadest sense. The term "financial institution" is intended to encompass all such possibilities, including but not limited to, banks, finance companies, stock brokerages, credit unions, mortgage companies, finance companies, companies, organizations which issue bills to consumers, organizations which pay bills on behalf of consumers, third party entities acting on behalf of the any of the above, etc. Additionally, disclosed embodiments may suggest or illustrate the use of agencies or contractors external to the financial institution to perform some or all of the calculations and data repository services. These illustrations are examples only, and an institution or business can implement the entire invention on their own computer systems or even a single work station if appropriate databases are present and can be accessed.
[0017] Embodiments disclosed herein are directed to check clearing and more particularly to processing of outgoing returns. Check clearing is the process of reconciling payments among parties associated with a check-based financial transaction. In some embodiments, checks are processed in the following manner: the entity to whom the check is made out ("the payee") deposits the check in her bank ("the bank of first deposit" or "the depository bank"). If the check writer's ("the payor") account is in the same bank, the check is labeled "on-us" and it is processed at the bank. Otherwise, the physical check travels, often via a financial intermediary, to the payor's institution or bank ("the paying institution"), and finally to the payor, who receives the checks and/or an account statement of the checks on a periodic basis, typically monthly. The checks that must travel (interbank transit checks) may be handled by multiple institutions.
[0018] It should be noted that the Figures disclosed herein depict paper check processing. However, there are other financial instruments, such as debit cards, electronic checks (echecks), and Automated Clearing House (ACH) debit system transactions, which are ultimately tied into the checking account of a payor institution, and thus are functionally equivalent to paper checks. For simplicity, both the prior art descriptions and the present invention collectively refer to all of these types of financial instruments as "checks."
[0019] FIG. 1 shows examples of three conventional channels of check activity for use of the customer's checks. In one channel, a customer presents a check to a merchant to buy a product or service. The merchant, in turn, deposits the check into a "bank of first deposit," also known as the "depository bank." In a second channel, a customer deposits a check directly into a bank of first deposit--the check may or may not be drawn on the bank of first deposit. In a third channel, the customer makes a payment to a payment processor. Like the merchant, the payment processor, in turn, deposits the check into a bank of first deposit. The bank of first deposit sends all checks (other than its own) to be cleared to the Federal Reserve and/or directly to the payor institution (e.g., payor bank).
[0020] If the payor has insufficient funds in her account to clear the check, or if the paying financial institution does not honor the check for other reasons (e.g., fraud, the check was cancelled, etc.), the unpaid check ("a return item") travels back to the bank of first deposit. The return item is a check that is returned unpaid by the paying (payor) institution for any reason to the bank of first deposit, such as for insufficient funds. These return items are reported back to the bank of first deposit in a "returns file." Return items that flow out of the payor institution are referred to as "outgoing returns," whereas return items that are received by a bank of first deposit are referred to as "incoming returns."
[0021] FIG. 2 illustrates a flow chart of an exemplary method 200 disclosed herein. The flow chart is divided into blocks illustrating actions or events that are undertaken by a financial institution, such as a bank, a third party, and/or any other entity. It will be understood that, unless clearly stated herein otherwise, in other embodiments the actions or events may be performed in a different order or simultaneously. Likewise, in some embodiments, one or more of the actions or events may be removed, optional, added, and/or combined with one or more other actions or events.
[0022] The method 200 disclosed in FIG. 2 may begin at block 202 where outgoing return data files are received. In one embodiment, the outgoing return data files are files that include data associated with a check or some equivalent thereof, where the check is associated with an outgoing return because the check was dishonored. The outgoing returns data files include data and/or image information about the check. In one embodiment, the data files may include image files. In other embodiments, the data files may include just check data, such as check numbers, transactional information, or any other data which allows for searchable identification of a check. The outgoing returns data files received may be in any file format, including formats which are unusable by an image platform (discussed later). For example, the data files may be a x9.37i file, a x9.37d file, a flat file, a Microsoft Word document, a Microsoft Excel spreadsheet, a manual entry into the system, a purely text document, or any other possible file format. The files are received through a plurality of channels, as is discussed later. Each channel relates to the path from which the data files are received from, such as from separate divisions or entities internally within a financial institution (e.g., Account Reconciliation (ARP), IDS, Fraud, Northwest, Calif. DDA, etc.), entities located outside of the financial institution (e.g., other banks, etc.), or any other possible means for receiving outgoing returns.
[0023] In block 204, the data files are converted to platform format. The platform format is a format that is operational and usable by the outgoing returns system (called Incoming Returns Exception ("IRE") image platform). Nonetheless, the outgoing returns data files are loaded onto a computer system and the format of these outgoing returns data files is automatically recognized by the computer system. The computer system then automatically converts the outgoing returns data files from any file format into the platform format so that the data files are usable by the IRE image platform. It should be noted that the computer system which converts the files may be part of IRE and should not be limited to a computer separate from the outgoing returns system.
[0024] After the data files are converted to the platform format, the converted outgoing returns data files are then automatically loaded onto the outgoing returns system (e.g., IRE), as illustrated in block 206. The outgoing returns system or IRE is a computer system that uses the outgoing returns data files to identify the bank of first deposit.
[0025] After the data files are loaded onto the outdoor returns server, the outgoing returns system then retrieves the images, as illustrated in block 208. In one embodiment, the outgoing returns system retrieves any images that are in the data files. In other embodiments, the outgoing returns system retrieves images from an image database or archive using data extracted from the converted data files. Such data that is extracted from the converted data files may include information such as the date that the item was processed, the amount of the check, the checking account, the payee name, the payor name, the check number, or any other information about the check or the transaction which may be helpful in searching for the image file of the check in the database or archive. For example, if an outgoing returns data file only has the amount of the check and the date the check was processed, but no other information about the check, the system can query the database for all items meeting such criteria and if only one check meets all the criteria, then the system will select that check image for processing/settlement.
[0026] After the images are retrieved, the images are then loaded onto the outgoing returns system, as shown in block 210. The images are loaded onto the outgoing returns system by any means such as transferring the images between computers, uploading the images from the database or other system, and the like.
[0027] In block 212, the outgoing returns are automatically processed. The outgoing returns are analyzed and if there's sufficient information from the image file that is loaded or the data from the converted data file, the bank of first deposit automatically identified. If there is not sufficient information to determine the bank of first deposit, the operator manually analyzes the image and/or corresponding data from the data file and determines the bank of first deposit and enters such information into the outgoing returns system. Additionally, if a large dollar notification is required, that information is also entered into the system, automatically or via the operator. Any additional information may also be entered into the system.
[0028] In block 214, a final export is run to generate cash letter information in response to identifying the bank of first deposit and/or the image files. The outgoing returns system will create outgoing cash letters that include all of the processed items, such as by matching the cash letters together as illustrated in block 216. The cash letter items will then be distributed via a nationwide send process. The nationwide send process determines which cash letter each item will be sent on.
[0029] The method 200 performs an automated settlement of the outgoing returns. For example, in block 218, general ledger settlement statement entries are generated. Further, as illustrated in block 224, any outgoing returns drawn on another bank are sent out through a nationwide send process to settle the outgoing return, such as electronically sending the outgoing return directly to the bank of first deposit or to the Federal Reserve. Any return items which are drawn "on-us" will be transmitted internally automatically to an incoming returns platform (e.g., IRX), as illustrated in block 222. The incoming returns platform (e.g., IRX) may be a platform that is separate from the outgoing returns system and processes the on-us returns separate from the outgoing returns, according to some embodiments. Additionally, a large dollar notification is generated in block 220 if any checks meet a pre-defined dollar amount threshold. The large dollar notification is provided to the bank and/or to the Federal Reserve in accordance with federal regulations.
[0030] FIG. 3 is a block schematic diagram of an exemplary system 300 for outgoing returns processing in accordance with some embodiments. As illustrated, data files 302 of any format are received via an unlimited amount of channels 304. As previously discussed, the channels 304 may be internal to the bank or channels 304 external to the bank. Nonetheless, the data files include image files and/or information to allow for archival retrieval of the image files. The data files 302 are received in an automated data conversion system 306, which may be part of the data conversion module 307 of the outgoing returns system 308 or a computer system 306 separate from the outgoing returns system 308. The automated data conversion system 306 automatically recognizes the data file format of each data file 302 and converts the data files 302 into a common platform format, as previously described. The converted data files are then processed in various modules of the outgoing returns system 308. It should be understood that the outgoing returns system 308 may be composed of a single server or a series of computers, where one or more of the modules may be operable on one or more of the computers of the system 308.
[0031] The outgoing returns system 308 may include various modules to perform functions as previously discussed. The data file conversion module 307 allows for conversion of the data files 302 to a standard platform format.
[0032] The outgoing returns system 308 may include a module to load data and retrieve images 312. The load data and retrieve images module 312 loads the outgoing returns data files onto the outgoing returns system 308 and also communicates with the image database 310. The image database 310 includes image files, and data associated with the image files, where the image files are images of checks used in transactions with the financial institution. As previously discussed, the outgoing returns system 308 may query and retrieve images files from the image database 310 based on data obtained from the outgoing returns data files 302.
[0033] The outgoing returns system 308 also includes a module for processing outgoing returns 314. The process outgoing returns module 314 processes the outgoing returns after being loaded onto the outgoing returns system 308. The process outgoing returns module 314 may optionally be a portion of the load data and retrieve images module 312.
[0034] The outgoing returns system 308 may also include a module for running final export and matching and distributing cash letters 316. Such module 316 facilitates automatic settlement of the outgoing returns and matches and distributes cash letters during such settlement process. Further, this module 316 also allows for communications over a computer network 318, such as the Internet, a private network (e.g., a intranet), or other network, to provide for communications with banks 320, the Federal Reserve 322, and other entities 324.
[0035] One or more steps of the method 200 may be performed using the system 300, and the method 200 may be continuously performed to automatically receive outgoing returns and automatically settle these returns in an inefficient manner. The method 200 and system 300 described herein allows for settlement between banks avoiding the expensive process of settlement using the Federal Reserve by obtaining the bank of first deposit information via the outgoing data files that are not in platform format. The method 200 has flexibility by allowing data files to be received in any file format possible, and through an infinite number of channels without manual human intervention to convert the data files to a format for the system 300. Additionally, the method 200 and system 300 allows for automatic settlement of the outgoing returns.
[0036] Turning now to the Nationwide Send process, which is represented as the process of block 226 of FIG. 2, which may be implemented via the computer module 316 of FIG. 3. Below is a description of some embodiments of the Nationwide sent process:
[0037] Overview
[0038] The Nationwide Send process disclosed herein collects all of the outgoing return files generated by IRX and IRE, parses out the files (e.g., cash letters) by endpoint destinations (e.g., Federal Reserve, partner banks, other destinations, etc.) and distributes these files hourly. Accordingly, the maximum number of files distributed to each endpoint is 24, which is a reduction of about 70 files per endpoint daily over previous processes. A bank may have any amount of endpoints, such as about 20 endpoints. As referred to herein, endpoints refer to destinations where the cash letters are sent to, such as partner banks, Federal Reserve or other entities. The Nationwide process allows for personalization of endpoints. As an example, each endpoint is allowed to define how many files the endpoint desires per day and at what times the endpoint wants the file. For instance, Citigroup bank may indicate it only wants one file at the end of the day, while Wells Fargo indicates it only wants one file at 1 pm, 3 pm, and 6 pm daily. All of this information is stored in an endpoint control card, which is discussed later.
[0039] Settlement
[0040] When the Nationwide Send process collects the return files, the process: (1) gathers the financial file totals, (2) tags each item within the files to track the application and state the source of the file, (3) makes combined credit entries to the Nationwide Send specific general ledger account by state within a sending application and (4) makes the debit entries to the endpoint specific general ledger accounts. These credit entries equal the debit entries made by the sending application. This enables a one-for-one debit to credit match within the Nationwide Send general ledger account.
[0041] Reporting:
[0042] Email and/or Viewdirect reporting is available during file collection, distribution and exception/error processing, The functionality allows for a designation of when and who is to receive the notifications and under what circumstances, whether it be when a specific source is collected into a send, a partner distribution has occurred, duplicate items have been detected and dropped, items were missing images as well as intraday reporting that provides a multi-level report of all activity that occurred for the current processing day. Intraday reporting has user/email level customizable schedules to designate the hour it is to be created and delivered. For example, a partner bank may indicate it only wants notifications once daily at 2 pm, while another bank may indicate it wants notifications sent twice a day at noon and 5 pm.
[0043] Notifications delivered via email have unique subject lines created tagging codes/notes to alert the recipient to exception type conditions such as `out of balance`, `missing images,` duplicate items' or `defaulted items,` individually or any combination of the conditions.
[0044] Standard end-of-day reporting also exists to show in a running balance fashion all data as it is collected and distributed from the warehouse including the source and recipient of the data and the time it occurred along with settlement reporting providing the consolidated view of our general ledger destined transactions.
[0045] Internal Controls
[0046] The Nationwide Send process may also include a duplicate file detection option with various capabilities, such as immediate development notification and automatic override/bypass. When a duplicate file is detected, any email recipient designated as a developer is sent a notification indicating a duplicate file was encountered, the input source and what date/source it was duplicated with. It is only sent to developers to prevent alarm or confusion by the masses and after research if the file is determined to be a true duplicate no action is needed but if it is required to be processed, a simple control file override is made and the file is reprocessed and general notification of the collected input is sent noting at the bottom for audit purposes a force collection occurred.
[0047] A guaranteed integrity of collected data occurs by tracking/recording items at the input source level. Prior to any processing of the data, the item counts and item amounts are totaled and through each step of the collection/distribution process all data is ensured to be accounted for. If during a collection, based on endpoint destinations the total items and/or amount does not equal the file totals when it was processed an alert is sent noting an out of balance condition has occurred and similarly during a distribution cycle if the total items on the current warehouse minus what is being released this cycle does not equal the remaining items on the warehouse, the cycle is suspended and the developer designated email recipients are notified.
[0048] End of day settlement recon occurs to ensure a file of general ledger transactions is balanced and each generated credit (collection) is applied to the generated debit (distribution), verifying only entries for data successfully collected and distributed are sent. Any unmatched entries are indicative of data pending on the warehouse and remain on our daily general ledger file until the data is released.
[0049] Item Level Edits:
[0050] Field level edits can be activated/deactivated at the partner bank level. These edits provide the ability to accommodate data recipient preferences, such as if partner-bank-A wants a given field left-justified and zero-filled but partner-bank-B prefers right-justified. The field level edits can be globally activated/deactivated.
[0051] File Level Controls:
[0052] Input (collection) file level control exists to allow tracking of all processed files for each source and each time a source triggers our process we examine all available versions to select the next unprocessed input; functionality exists to designate we want to select every Nth created file or in all cases take the most recent.
[0053] Output (distribution) file level control provides maximum flexibility and based on the physical destination of the file partner data is combined and forwarded. Additionally if a specific action needs to occur when a file is being created, the action may be customized in our control file and such customization takes place when the receiving partner has data available. Physical destination of the data is customizable at the partner level and can be electronically transmitted internally to another Lpar, externally or can remain on the creating Lpar.
[0054] Other file level controls defined at the partner level allow us to define maximum item counts per bundle to be distributed and when exceeded, the bundle is split as needed.
[0055] Duplicate Detection
[0056] The Nationwide Send process may interrogate all of the outgoing return files received to detect duplicate return items at the item level based on the various information of the outgoing returns data files, such as routing transit number, account number, serial number and amount of the check data. If a duplicate item is detected, the Nationwide Send process deletes one of the duplicate records from the distribution files and lists it on a report to have operations associates send the transaction back to the originating source.
[0057] IRD Files
[0058] Nationwide Send process expanded its capability by creating IRD print files for lines of business that receive paper cash letters and IRDs from Incoming Returns. The paper cash letters and IRDs are mailed to the unit which delays the posting to their application by at least one day. The IRDs are needed by the lines of business to process the returned transaction within their application since Incoming Returns cannot directly post transactions to those applications. The distribution of these IRD files is flexible, independent of the outgoing return file distributions and can be multiple times daily depending on the unit's needs.
[0059] Exemplary Flow Charts
[0060] FIGS. 4-8 illustrate an exemplary Nationwide Send process, which is also shown as block 226 of FIG. 2. Referring first to FIG. 4, FIG. 4 illustrates an initial file creation process 400 or a "master build" of the Nationwide Send process. As illustrated in FIG. 4, outgoing return data files (referred to into FIG. 4 as image exchange files) are received from various states (Massachusetts, North Carolina, Georgia, etc.) and are processed. After such processing, settlement occurs as is discussed later with regard to FIG. 7. All transactions for image partners' send transactions are sent into a new Virtual Send settlement account, which will be used for all banks and IRX to settle the individual transactions to the outgoing send of transactions to the image partners. The entry for the virtual nationwide account can be a single entry for all items coming to the system. During the build of the Command and Control files (discussed in FIG. 5), information is gathered to track each cash letter being generated.
[0061] The image exchange file from each bank will be sent into the virtual sorter process and the different cash letters will be examined for what type of processing will occur for each cash letter. Any immediate files are then sent onto the VIEX at the time of initiation and are collected within VIEX to send out at the time of creation. Any image partner items are stripped off the file and a tag is built onto each record. This tag will contain the endpoint number and the file indicator. This file indicator will include items such as the bank the original file was created in, the system the file came from and the number of files that were produced that day. During the virtual sorter process, the images are interrogated to ensure that they are on each item (e.g., check). For example, if an item/check is missing a front or back image, the virtual sorter process recognizes this and flags this item. If an image is missing, the system removes the item/check from the cash letter before the cash letter is stored into the warehouse or database. The missing item is then added to a report and will be put on an interface to the settlement process.
[0062] The virtual sorter process uses a bank of first deposit control card, also known as endpoint control card. The endpoint control card has all the endpoint information for the bank, such as all of the partner banks and Federal Reserve information. Each endpoint will have a destination indicator. The indicator will direct the file to the master file or to the VIEA tax group from each file.
[0063] After processing the items in the virtual sorter process, the processed item records are then stored in an outgoing daily master file that will be used to initiate all the sends in the day to the different image partners (e.g., banks, Federal Reserve, etc.). As previously discussed, each record is tagged with an indicator for what run it is on (e.g., when the cash letter is to be sent to the endpoints or partners) and the bank of first deposit information. This tag will be used later for the creation of individual image partner files.
[0064] A missing item report will be sent to the group that currently handles missing images for the account not found in reclear process. These missing items will be processed individually.
[0065] FIG. 5 illustrates a process 500 for image partner sends or individual sends which creates image partner files. This process 500 builds individual jobs for each selected time to create sends to the image partners. As referred to herein, a "send" is the process of sending a cash letter to an endpoint. The process 500 illustrated in FIG. 5 takes place in the master file and builds an X9.37i file for each send that will be performed. At this point, the item will be pulled off of the outgoing daily master file used in the bank send parameter card and the tags allow building of the settlement entries. The file will be created and sent to the VIEX group, which will send the interface file onto the image partner(s).
[0066] With the building of the cash letter, a new record is built for a balancing file for each item. This file will contain the tag that was mentioned earlier and the detail information about the individual item.
[0067] Additionally, a new report will be created in the cash letter format. The report includes the tag that identifies the file of origination, so that, in the case that there is any question or issues, it can be taken back to the original system where the item was decisioned.
[0068] It is noted that FIG. 5 illustrates an exemplary schedule (sends on 1 pm, 3 pm, 6 pm and/or end of day send), and it should be known that any other schedules could be performed or developed.
[0069] FIG. 6 illustrates an immediate send process 600. As illustrated the VIEX send process the VIEX will concatenate all the received cash letters into a single file. The image exchange cash letters are then processed and a detailed report for each cash letter is generated. Additionally command and control data is saved, and data is sent to the business bridge. Once going through the process, the concatenated cash letter is then sent to the Federal Reserve.
[0070] FIG. 7 illustrates the settlement process to ensure that the work for each cash letter in total and that there are issues are main and no images or cash letters missing, and determine if there's any other issues remaining. As illustrated the settlement entries from each of the states, as well as the missing images settlement files are entered into the verification block. ("Build every case in a full entries processed"). The balancing file information is determined for each send process to establish what the makeup of each file will be and the settlement entries will be written out for end of day process to complete the posting.
[0071] The individual command and control files are received into the system and the totals for each file tag indicator are determined. This will include both a count and dollar amount.
[0072] The individual bank file will be summed and totaled by the tag number for each cash letter. These totals will be compared for what was generated from the original file and the calculated send file, which should be in balance. If the original file and calculate send file is not in balance, the job will be researched to determine any discrepancies or why any items in the process are missing.
[0073] The settlement report will indicate all the different entries that make up the file being sent to the image partners. If there are any outages in the cash letter, they will be reflected in the report. If everything is in proof, a file of settlement entries for this file will be created to go into the end of day process. This will go in on the T account entries that will show the settlement process. An exemplary T account entries, as illustrated in FIG. 8.
[0074] While exemplary embodiments have been described and shown in the accompanying drawings, it is to be understood that such embodiments are merely illustrative of and not restrictive on the broad invention, and that this invention not be limited to the specific constructions and arrangements shown and described, since various other changes, combinations, omissions, modifications and substitutions, in addition to those set forth in the above paragraphs, are possible. Those skilled in the art will appreciate that various adaptations and modifications of the just described embodiments can be configured without departing from the scope and spirit of the invention. Therefore, it is to be understood that, within the scope of the appended claims, the invention may be practiced other than as specifically described herein.
Patent applications by Gerald M. Vye, Castleton, NY US
Patent applications by L. Edward Shaw, Dallas, TX US
Patent applications by BANK OF AMERICA CORPORATION
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text:
Alternative Titles
Type: OVA
Episodes: 2
Status: Finished Airing
Aired: Jul 29, 2011 to Nov 25, 2011
Producers: PoRO
Licensors: None found, add some
Studios: None found, add some
Source: Visual novel
Genres: Hentai
Duration: 30 min. per ep.
Rating: Rx - Hentai
Score: 7.111 (scored by 2,578 users)
1 indicates a weighted score. Please note that 'Not yet aired' titles are excluded.
Ranked: N/A2
2 based on the top anime page. Please note that 'Not yet aired' and 'R18+' titles are excluded.
Popularity: #3376
Members: 6,530
Favorites: 47

subset: commoncrawl


text:
This is Volume 2. Have you listened to Master of the Senate, Volume 1 yet? And don't forget Volume 3.
©2002 Robert A. Caro, Inc.; (P)2002 Books on Tape, Inc.
"Mesmerizing....A tale rife with drama and hypnotic in the telling." (Newsweek)
"A panoramic study....Combining the best techniques of investigative reporting with majestic storytelling ability, Caro has created a vivid, revelatory institutional history as well as a rich hologram of Johnson's character." (The New York Times)
"Caro must be America's greatest living Presidential biographer....No other contemporary biographer offers such a complex picture of the forces driving an American politician, or populates his work with such vividly drawn secondary characters." (BusinessWeek)
"An off-read for one of the best!"
Yes - Two reasons: 1) Most obviously, you can't listen to volume 3 without volume 2 and after volume 1, you can't help but to want more and more of this.
There were so many repeats that at least once every 20 minutes it happened. There were other very odd starts and stops and perhaps part of a chapter missing. All in all, I don't know that I think it is that big of a deal - however, Grover Gardner is such an incredible narrator and commands such incredible admiration for his narration, the constant repeats and breaks are all the more shocking. Seems as though Vol. II was rushed in order that Volume 3 could be released. I will note that in Vol I and III Gardner was and then returned to his near flawless command of the story. However, Vol. II is the worst recording (in terms of repeats and cut-offs) I've ever listened to of the nearly 50 audio books over the past two years.
"Surprising editing mistakes mar a great book."
Caro's insight, depth, and prose style -- combined with the narrator's performance -- make for a fascinating book.
Many audio books include an editing error or even two: typically a repeated sentence. This book, astonishingly, includes EIGHT OR NINE such repetitions. It should be reedited to reflect the quality of the author and narrator.
Mountainbiker, Skier, Riverman, Dzedo
"Master of the Senate in 3 Audible Acts"
Tour de force!
The history of the U.S. Senate that opens this volume.
I don't think I have listened to another GG narration. But GG was a great choice for this vast undertaking. He's there for the duration and never gets in the way. A real pro.
I think it would be the story of Leland Olds.
"Glitchy recording great story."
I love Caro's series. This segment has a few glitches, it repeats itself many times throughout the recording,it skips back 10 seconds. I also think it is not fair that the first book is one segment, the second book is one segment, and the third book is three segments. The first book is 40 hrs. Why must the third book be broken into three 15 hr sections?
"great but repeats"
This is a great book, with rich historical detail. I love how Caro sets the right context by offering numerous historical sketches in which to set the moments of Johnson's life. Gardner's reading is superb, warmly bringing the subject to life. However, this wonderful book and presentation are marred by the audio recording in which, on a regular basis (sometimes once a chapter), sentences are repeated. Overall, an excellent product!
"gripping story of the workings of the US Senate"
gives the most exhaustive treatment to both the career of Lyndon Johnson, the workings of the senate and the ascendancy of the united states in the striving for equality
Lyndon Jophnson because he hit his full stride as a politician, statesman and person
the details of the voting rights act amendments
no it needs
s to be savored over time
it is a shame that this book has to be sold in three seperate volumes by audible. it is an exhaustive and very long book, which is understandable but Audible should come up with packaging it more econimically
"An excellent clear history"
This history is worth reading / listening to for all who are fascinated by the personal effort and thought that goes into the best politics. Well written, well researched.
"America's finest historian"
Robert Caro may be the finest historian of all time. He is methodical , meticulous and brutally honest. If you want to know what Lyndon ate for breakfast, his medical issues, how he dressed, what he thought of his secretary. Every detail is there. He does avoid sexual issues and only alludes to affairs, However he does describe his sexual organ.
Master of the senate covers the years from 1948 to 1960 in 3 separate books. From a rookie to the greatest senator of all time. The Leader. Every bill and amendment passed by the house and Senate were under his control. How he could bend powerful men, Senators, to his will. The culmination of the books is the passage of the 1957 Voting rights act. A monumental, although flawed achievement which took all his guile and machinations to pass and presaged the more important 1964 voting rights act, which he also sponsored.
These books document his slow transition from a conservative Southern senator from Texas who aligned himself with the Southern caucus to perhaps the greatest legislative champion of Civli rights in our history. Mr Johnson was a deeply troubled and flawed man, paralyzed at times by his fear of failure and his fathers failure. But also capable of the noblest sentiments and deeds and inspiring others to do noble and great things. Mr. Caro describes him as the greatest reader of men. In just a few minutes he could tell what another man thought, his fears, his weakness and his price and to use this knowledge to bend men to his will. there are detailed portraits of Lady Bird, Sam Rayburn and Richard Russell. The leather 2 were towering complex figures who mentored him and supported him. There are also portraits of Hubert Humphrey, Paul Douglas Bobby Baker, John Connally, Dwight Eisenhower and other major figures of the time.
A detailed description of Martin Luther King is also here. Finally, there is a foreshadowing of his relationship with Jack and Bobby Kennedy, which becomes the major emphasis of his next book. Mr. Caro, himself, is very liberal and he lets you know what he thinks. Mr. Caro is also a genius,inspiration and perspiration melded together. I loved this books and the author. Grover gardner is an excellent narrator.
"A masterful work on the Master of the Senate"
Stellar. Robert Caro's meticulous research is matched by his captivating prose as he paints a portrait of Lyndon Johnson, the enigmatic political genius. Volume 1 traces Johnson's rise from a freshman Senator to a position of national stature (1949-1951). Caro's ability to provide context, most notably senatorial history as well as that of Johnson's, adds increased depth and color to his book and the reader's understanding. Johnson is "the great reader of men," but Robert Caro reads Lyndon Johnson. His perceptive analysis (e.g. Leeland Olds hearing) left me angry--even outraged--with LBJ on one page, only to have me standing in awe and appreciation for his talent, tireless work, and perceptive use of power on another page. This is a masterful work on the Master of the Senate.
Grover Gardner is the welcomed voice of an old friend to those who have listened to his narration of Caro's other volumes in the series, The Years Of Lyndon Johnson. I can listen to his narration for hours -- which is a good thing -- for there are more than thirty-five hours to complete Audible volumes two and three of Master of the Senate.
This is so well written and narrated I couldn't stop listening to it. Simply brilliant.
Report Inappropriate Content
If you find this review inappropriate and think it should be removed from our site, let us know. This report will be reviewed by Audible and we will take appropriate action.


text: Mega Clamps, from Rack-It, provide a simple, drill-free way to mount a Uni-Line Truck Utility Rack, Uni-Line Forklift Loadable Utility Rack, Uni-Line Camper Shell Truck Rack, Rack-It Headache Rack, or other Rack-It truck rack. Each clamp consists of a plate which goes over the top of the bedrail and truck rack foot, as well as a machined aluminum block that clamps against the underside of the bedrail. A bolt with locking nut tightens the Mega Clamp, securing the rack in place. Rack-It Mega Clamps are manufactured from 10 gauge steel and machined billet aluminum, and feature a black powder coat finish. Sold in sets of 2 and 4.


text:
15 Companies That Originally Sold Something Completely Different From What Made Them Famous
Some companies find their niche and stick to it. Others, though, have to adapt to changing markets in order to thrive. Here's a look at some companies that switched industries at some point in their histories, usually for the better.
This story was originally published by mental_floss.
Read the original article on Mental_Floss. Copyright 2012.
Comments on this post are now closed.


text:
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text:
Can You Sue Your HMO?
New hope for patients.
WebMD Feature
June 5, 2000 -- When Cynthia Herdrich dragged herself to Carle Clinic in Bloomington, Ill., with searing abdominal pain, she was told by her doctor that she had no choice but to wait eight more days before she could undergo an ultrasound exam at a clinic-owned facility 50 miles away.
In the meantime, on two separate visits in March 1991, her doctor, Lori Pegram, MD, misdiagnosed the inflamed mass in Herdrich's abdomen as a urinary tract infection and later an ovarian cyst. While Herdrich was waiting for the diagnostic test, her appendix ruptured, requiring emergency surgery and causing a life-threatening infection.
Herdrich sued Pegram for medical malpractice and won $35,000 in compensatory damages. During the fact-finding, however, she discovered that her HMO paid cash bonuses to doctors who ordered fewer diagnostic tests and referrals and used only network facilities. Infuriated, Herdrich also sued her physician-owned HMO, Carle Clinic Association, and its insurance company, Health Alliance Medical Plans, for fraud.
"We were amazed," says Herdrich, 42, who now lives in Colorado. "I felt strongly that the way my HMO was set up and structured -- with incentive clauses written in the doctors' contracts -- really did affect the care and treatment I received. I fault the HMO as much as my doctor."


text:
Golden South Sea pearls are the epitome of class and elegance. These natural-color pearls are among the rarest and most valuable pearls grown today. A ring set with a golden South Sea pearl is certain to turn heads. As the pearl color is completely natural it will never fade. This is a ring you will cherish for a lifetime.
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text:
Variety Insight premium subscribers can access phone, email and more.
Victoria Alonso
EVP, Visual Effects & Post Production
: Marvel Studios
Access the industry's most accurate development and production listings,credits,contact info, org charts, box office, TV ratings and more.
|Film Title
|Job Title
|Release Date
Walt Disney Pictures
Marvel Studios
|Executive Producer
|August 01, 2014
Walt Disney Pictures
Marvel Studios
|Executive Producer
|April 04, 2014
Walt Disney Pictures
Marvel Studios
|Executive Producer
|November 08, 2013
Want to see projects Victoria Alonso is developing? Visit Variety Insight .
Latest Headlines: Victoria Alonso
Marvel Studios has promoted its longtime visual effects chief, Victoria Alonso, to executive vice president, physical production. Alonso had been executive producer and executive VP of vfx for the…
Marvel's exec producer and exec VP of visual effects & post-production, Victoria Alonso, called for vfx pros to hire more women — not just for gender equity, but because it will improve the work. In…
On a tentpole film, the visual effects credits often run longer than the trailers that preceded it, but only a few of those names have risen to positions of real power in Hollywood. One is Victoria…
Bradley Cooper is in early discussions to voice the machine gun-wielding Rocket Raccoon in Disney and Marvel's "Guardians of the Galaxy," sources confirm to Variety. While no deal is in place, a…
Marvel's "Guardians of the Galaxy" has firmed up its cast with Glenn Close confirmed for the Nova Prime police force role. Marvel screened early footage of the tentpole, set for release by Disney on…
Joseph Gordon-Levitt, Ava DuVernay and Paul Feig are among the 276 new members invited to join the Academy of Motion Picture Arts & Sciences.
Jerry Bruckheimer, Roland Emmerich and Curtis "50 Cent" Jackson have come on board as speakers at the Producers Guild of America's upcoming Produced By Conference. The event will be held at Fox…
Over the weekend I heard from blogger "VFX Soldier" asking if this comment on his post regarding the visual effects demonstrations held the Sunday the Oscars were held might be from former Digital…
As far as many visual effects mavens were concerned, the Disney-Lucasfilm merger sent a great disturbance through the Force
Five people and firms taking the lead in digital cinema
Marvel's head of visual effects challenged Hollywood on Thursday to step up and support struggling vfx studio Digital Domain as it attempts to emerge from bankruptcy.


text:
The East Newton volleyball team swept Aurora 25-13, 25-14 in a pair of varsity volleyball matches at ENHS.
Lindey Broyles led the way with 10 kills as the Lady Patriots cruised in both sets.
Whitney Thomlinson turned in 16 assists and Shelbey Thomlinson had 13 digs.
The Lady Patriots are now 6-1.
Aurora won the junior varsity match, 25-16, 25-23.
Location, ST | website.com


text: Legion panelists make case for just one GI Bill [1] Since taking effect Aug. 1, the Post-9/11 GI Bill has been the subject of concerns and questions. An American Legion roundtable of experts and officials recently shared their views. Sep 01, 2009 Sep 01, 2009 0 Comments [2] Share this Twitter Facebook


text:
All Rise...
This is what Judge David Johnson will tell his children before they go to bed: "If you don't eat your vegetables, Sportacus will come down and take you to his blimp and you'll never be seen again."
The Charge
Screw chocolate.
The Case
We're back for another round of pastel Icelandic healthy living puppetry as Stephanie, Sportacus and Robbie Rotten square off to teach young viewers about the glory of eating roughage. For those unfamiliar with this crazy live action series from Nick Jr., here's the scoop: Lazytown is populated by puppets and one human girl named Stephanie. They have to constantly fight against their impulses to indulge in eating junk food and, well, laziness. To help them get fit and disciplined is Lazytown's resident superhero, Sportacus (creator Magnus Scheving), an eccentric bachelor who lives in a jet-powered blimp and flips, twirls, and tummy-tucks to the rescue whenever he's needed. His adversary? Robbie Rotten, a lunatic with plastic hair who wants to see the Lazytown residents get fat and stupid.
Sports Candy Festival packages four episodes:
• "Sports Candy Festival"
• "Happy Brush Day"
• "Play Day"
• "Sportafake"
I dig this show. It's a surreal blast of energy and color and everyone, no matter how nightmarish and weird they may be, is likeable. The puppets and spontaneous breaking into song adds a nice twist to the kids show formula. Bonus points are awarded for the sound moralizing about healthy eating and exercising. These four episodes are characteristic of the show: fast-moving, light-hearted, malice-free and cerebrum-torchingly nutso. In other words—recommended!
Give us your feedback!
Did we give Lazytown: Sports Candy Festival a fair trial? yes / no
What's "fair"? Whether positive or negative, our reviews should be unbiased, informative, and critique the material on its own merits.
Other Reviews You Might Enjoy
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Review content copyright © 2006 David Johnson; Site design and review layout copyright © 2016 Verdict Partners LLC. All rights reserved.


text:
Where to Buy
Computer Score is an Australia-based company with agents in many parts of the world, including U.S.A., Malaysia, Singapore, South Africa, United Kingdom and Denmark, who are connected with the company.
Computer Score is sold by a number of agents around the world. You can either contact us or make contact with an agent directly.
Australian Head Office
Computer Score Pty Ltd
1/40 Machinery Drive
United States of America
BEST Scoring LLC
5269 E. Briarwood Ave.
Murrey International, Inc.
14150 South Figueroa Street
South Africa
SuperBowling Family Entertainment Centres - New Centre Developments
Shop L043 Greenstone Mall
Cnr Modderfontein & Van Riebeck Ave
Modderfontein JHB
Phone: + 27 11 452 3502
Web: www.superbowling.co.za
Computer Score DUO is produly designed, manufactured & supported by Bowling People for Bowling People.
We installed Matrix in August 2003 and absolutely love the league secretary. I like that the system uses monitors as opposed to televisions and that one computer takes care of every six lanes....that saves on space. I also like the idea that we can make our own commercials. - Randy Williams, Owner Lincoln Lanes in Boonville, Illinois.


text:
Dumbbell Racks
At Fitness Direct, we're a leader in fitness equipment distribution, and we take great pride in our lineup of dumbbell racks and dumbbell storage accessories. We carry the best in the dumbbell rack business - choose from top name brands like Body-Solid, TuffStuff, Hampton, Powerline, and more!
Organize Your Dumbbell Sets
Dumbbell racks are a great way to store, organize, and show off your collection of dumbbells. You can arrange your dumbbells so that you will quickly and easily find the right size and weight that you are looking for! Choose from vertical, horizontal, vinyl, and even one, two, or three-tiered racks! We have so many different dumbbell racks and storage options that you're sure to find the right one for your home at Fitness Direct!
Save Floorspace In Your Home Gym
At Fitness Direct, we recognize the importance of keeping a clean workout space. Keeping your equipment organized doesn't just look good - it can also help reduce the risk of accidental injury, by severely reducing the risk on kicking dumbbells that are lying around. With our dumbbell storage supplies, you can showcase your extensive collection or store your dumbbells to save space. Dumbbell racks are essential to any home gym that is looking to get the most out of its workouts.
Save on Top Model Dumbbell Rack Storage
Choosing the right dumbbell rack for your home is easy at Fitness Direct! We believe in providing the greatest value for our clients by offering the best brands at the lowest prices online. Choose from the best name brands in the dumbbell rack and dumbbell storage business and save with our low prices. Just browse below and we're sure that you will find the right dumbbell racks to fit your home's specific needs today!
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text:
Late availability: Wetpixel Oceanic Whitetips 2015
We have a few spaces available for the Wetpixel Oceanic Sharks trip. Reports from our operators on Cat Island, Epic Diving, are saying that there are numerous oceanic whitetips (Carcharhinus longimanus) around and interacting with their groups at the moment. It looks ike it will definitely be an amazing trip. It runs from 12 to 18 April and if you are interested, please email Adam for more details or to book.
Video: Moray and reef fish hunt together
Wild Oceans returns to South Africa in this week's episode. Shot at Sodwana Bay, Kwazulu Natal, it features a co operative hunt between a moray eel and some interesting footage of a frogfish "hopping" around underwater. It also features the standard adrenaline filled boat launch off Jesser Point!
Wetpixel/Scubacam party @ ADEX 2015
Wetpixel is joining forces with Scubacam again to present the underwater imaging community with their annual ADEX gathering. If you shoot pictures or video underwater and plan to be at ADEX, you really need to come along! It is going to be held at the Highlander Bar & Restaurant on Clarke Quay on Friday 10 April from 7pm till late.
Subal announces housing for Sony a7
Subal has announced details of their forthcoming housing for all versions of the Sony a7 mirrorless full-frame camera. It features access to all camera controls, and is compatible with the company's Type 2 ports. It ships with either electronic or fiber optic strobe triggering bulkheads.
Call for entries: Durban Undersea Club Shootout 2015
The Durban Undersea Club is soliciting still and video entries for its annual shootout. All submissions must have been captured between 1 December 2014 and 15 May 2015 within the geographical boundaries of the Cape to the South and the Mozambique border to the North.
Raja Ampat Regency changes fees
The Government of the Raja Ampat Regency has changed both the fee for entry into the area and the way that the resulting monies are distributed. The fee is now valid for 12 months (previously a calendar year) and has doubled to IDR500.000 ($38) for domestic users and IDR1000.000 (around $76) for international visitors.
Review: Nikon FX wide-angle lenses
Wetpixel Editor Adam Hanlon presents a review of most of the available rectilinear wide-angle lens choices for Nikon full-frame camera. The aim is to evaluate individual lens's performance underwater, but also for this to be a reference for those seeking information about lens choices. As other test lenses come available, the tests will be added to, so please keep checking back for updates
Camera housing for shooting 360 degrees underwater
A new underwater housing gives underwater photographers the ability to shoot 360 degree video underwater by housing six GoPro cameras at once. The 360Abyss can shoot video up to 7.5K resolution and is rated to a maximum depth of 1,000 meters. The housing MSRP is $5,395 (not including the six GoPro cameras).
Recent News
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- Biggest Dead Zone Ever Forecast in the GOM (via )
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text:
Summary: Lunian was born and raised in the Undying Lands, hearing stories and songs about people and places she has never seen. Right? What if it's not...
Categories: Movie-verse Characters: Legolas, Original Character
Genres: Angst, Romance
Warnings: None
Series: None
Chapters: 33 Table of Contents
Completed: Yes
Word count: 46763 Read Count: 33122
Reviews by Tathiel Lomil
Keeper of the Stone by Nea Rated: PG-13 [Reviews - 7]
Published: 11/27/04 Updated: 05/01/07 [Report This]
Title: Chapter 21: The ancient trail Reviewer: Tathiel Lomil Signed
This is truthfully one of the best fanfictions I've ever read, and I'm not new to the LotR fanfic scene. I really hope you continue this story, it's great. :)
Date: 03/10/05


text:
NEW YORK – City Council candidate Margaret Chin will hold a press conference tomorrow in Chinatown to announce her endorsement of Bill de Blasio for Public Advocate and John Liu for Comptroller. Chin recently won a hard fought primary for the Democratic nomination against an incumbent Council Member in District 1, which includes Chinatown and lower Manhattan.
Manhattan DA candidate Richard Aborn will outline the closing argument of his campaign to voters at a press conference TODAY, September 10, at 1:00 pm at Supreme Court . Aborn will be joined by key supporters like former NYPD Commissioner Bill Bratton and a surprise endorsement.
Congressman Jerry Nadler will be holding a press conference to protest proposed post office closings on Thursday. Joining the Congressman will be other local politicians and Community Board #2 members.


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• Super Multi-format Recording and Playback
• 1 Sec. Quick Start for Recording on DVD-RAM*
• 2x LP Horizontal Resolutions [500 Lines]
*From the power off starts, recording on DVD-RAM starts about 1 second after first pressing the power button and then sequentially pressing the REC button.(Quick Start Mode)
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Follow Us
Mumm Basin in Mount Robson Provincial Park
(Kevin Arnold photo)
While Mount Robson Provincial Park provides necessary amenities for camping, nearby Valemount is a visitor's best bet for dining out.
Virtually all hotels and motels in Valemount feature attached dining establishments, such as the China House Restaurant at the Valemount Hotel.
In the heart of Valemount, check out the Caribou Grill, which has views of the Caribou, Monashee, and Rocky Mountains. The Loose Moose Neighbourhood Pub is the local sports bar of choice, with classic pub grub and original dishes.
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text: AdChoices Terms of Use Privacy Policy Hide GROOMING Appearance Subliminal Attraction Share Tweet 0 Shares 10. Color H&M In a study that examined what women around the world find sexually desirable, researchers revealed that when men's faces were seen against a red background or they were wearing red clothing, women rated them as more attractive, although not necessarily as "nicer." The study further determined that wearing red was associated in women's minds with power and higher status.What you can do about it: It's pretty clear what you can do here to make yourself more attractive to the opposite sex: wear red, preferably closer to your face, in order to draw attention to your other attractive features. Next Page TOP 10 9 8 7 6 5 4 3 2 1 Comments Share your opinion Your name More Like This Dating News Trending News: Here's Why Having Female Friends Makes You More Attractive Read More Dating Tips Did She Just Call You 'Cute'? Here's What She Really Means Read More Appearance 14 Quick Tricks That Will Make You More Attractive, Inside And Out Read More Dating Tips Women On Reddit Reveal Sexy, Subtle Gestures That Turn Them On Read More Dating Tips The Anatomy Of An Undateable Man - And What You Can Do About It Read More Health & Sports News Trending News: Long Distance Running Makes Men More Attractive Read More Around the Web Special Features Guy Gear The Best Watches Under $500 Read More Special Feature The Ultimate Guide To Hooking Up Online Read More


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Pesticide Chemicals, Brain Issues in Kids Linked? »
"July 13, 2015 -- Pyrethroids are chemicals commonly used in products aimed at killing insects, head lice, and fleas on pets. They were created to replace now-banned chemicals in insecticides and other products.
But new research is raising "...
Read the Pesticide Chemicals, Brain Issues in Kids Linked? article »
Overdosage with iron dextran is unlikely to be associated with any acute manifestations. Dosages of iron dextran in excess of the requirements for restoration of hemoglobin and replenishment of iron stores may lead to hemosiderosis. Periodic monitoring of serum ferritin levels may be helpful in recognizing a deleterious progressive accumulation of iron resulting from impaired uptake of iron from the reticuloendothelial system in concurrent medical conditions such as chronic renal failure, Hodgkins disease, and rheumatoid arthritis. The LD50 of iron dextran is not less than 500 mg/kg in the mouse.
Hypersensitivity to the product. All anemias not associated with iron deficiency.This monograph has been modified to include the generic and brand name in many instances.
Last reviewed on RxList: 2/23/2016
Infed FDA Prescribing Information
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Gerard S.
Report | 3 years ago
So pleased with the job done on one computer we brought a second one to them. Our computer was repaired and is like a new machine .
Was this helpful?
Bayville Technologies is made up of industry-certified computer technicians with more than 15 years of experience. They gladly help ailing desktop and laptop computers by troubleshooting and diagnosing issues and offering repairs. Their services include hardware upgrades, operating-system installations, virus removal, tune-ups, and file recovery.


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I assume it's the latest version of WP - my blog is hosted at wordpress.
Tags with spaces in them end up separated as multiple tags on both ends.
It doesn't matter if i create the tag on the WP site, or in ecto.
So, for example, I tag a post with the following tag: "This is fun"
I can compose and tag a post on the WP site or in ecto, and at the first sync, ecto syncs it up as the complete tag: "This is fun". If i then edit the post and push it to WP from ecto, in addition to the original tag, it also becomes tagged with "This", "is" and "fun", which then become tags on the WP site, which get pulled back down into ecto. Now i have a post in ecto (and on the WP site tagged as: "This is fun", as well as the individual words "This", "is", and "fun". These additional tags also show up in ecto's tag list. What a mess.
Hyphenating the tag: "This-is-fun" would probably fix it, but that just looks bad. I have a feeling ecto is treating the tag 'name' as its 'slug' and when it sees spaces assumes that's a delimiter and sees each word as a seperate tag.
this phenomenon does not appear to happen with categories, only post tags.
Anyone seen this or have a fix?


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Yeah man!!! Bluesy, soulful and killer tone form that sweet little Gretsch! Lovin it.
Great sound, groove, playing on Pancho Villa's Got A Gun-I can feel this...Aoede from SF coming by to listen and thank you for your friendship
Stopping in to keep in touch, bravo to you my friend, love the tunes!
Love the bending and tonal variations. Great style.
Hi Rick, Very cool creativity in your guitar work!!!
thanks for stoppin by....hope you are enjoying the tunes.....much success here on reverb...love, Tamara
Hi Rick, nice work, I like youre videos, thank for becoming a fan of mine,
Cheers The Yarn Spinner nitetimemusic bill knight,
Cool, smooth and LOVE the way the chords take you around the block sometimes the other way-
Real Cool !!
Hi Rick. I'm back! I love your videos. I especially like Minor Swing and Sweet Georgia Brown. Mighty fine playing Rick... Dave Smith


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Parks 2.0: Operating State Parks Through Public-Private Partnerships
In this joint study by the Reason Foundation and the Buckeye Institute, the authors assert that the ongoing fiscal challenges facing state governments are creating an existential crisis for state parks. Budget pressures have prompted states to close or significantly reduce services in hundreds of state parks, or at minimum reduce parks budgets, nationwide. Beyond the threat of closures, the ongoing economic malaise has exacerbated a widespread, pre-existing problem of inadequate and deferred maintenance. Yet state parks remain popular while their maintenance needs continue to worsen; they received 725 million visitors at over 6,000 sites around the country in 2010 alone. Can this popularity be turned from a cost into a benefit? One way to keep state parks open without imposing additional burdens on the taxpayer is to utilize public-private partnerships (PPPs). Many states already successfully use private concessionaires to provide piecemeal services within parks—including food, retail, lodging, marinas, and other commercial activities—so a shift to more extensive involvement can build on that.


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Latin America's best-run airline, LAN, has marked its 10th straight year of profits. Enrique Cueto, LatinFinance's CEO of the Year, is the man who made it happen.
Roberto Ordorica, CEO of the Latin American arm of US real estate company Prudential Real Estate Investors, explains how REITs could help finance housing and commercial property projects.
September 13-14, 2016 | Lima, Peru
The region's largest financial markets forum, it will convene: CEOs, CFOs and treasurers ... more
September 22-23, 2016 | Monterrey, Mexico
The Infrastructure and Sub-Sovereign Finance in Mexico Summit remains the only seminar in Mexico which brings both state ... more
September 28-29, 2016 | New York, USA
The market for structured finance in Latin America is once again at the forefront as the buy-side ... more
September 29, 2016 | New York, USA
Now in its third year, LatinFinance's Project & Infrastructure Finance Awards Dinner celebrates ... more
October 12, 2016 | Beijing, China
LACIF is the pre-eminent business meeting connecting Latin America and China. This unique ... more
Which area will be most profitable for investment banks in LatAm in 2016?
All material is subject to strictly enforced copyright terms & conditions and cannot be repurposed or reproduced. © 2016 Latin American Financial Publications Inc.


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Blogs Liberty and Power Chris Hayward R.I.P.Dec 18, 2006 7:24 pm
Chris Hayward R.I.P.
I had to say something about the passing of Chris Hayward, who was partly responsible for two of my childhood heroes, Rocky and Bullwinkle. I never missed a show and was proud that the main characters lived in my home state as residents of Frostbite Falls, Minnesota.
As I grew older, my affection for the duo grew even stronger when I came to understand the subversive nature of the show. I vaguely remember one episode that featured a visit to Earth by Martians. As the Martians made their rounds, the camera repeatedly cut away to a U.S. Senator who declared to the press that their visit was"a Communist plot." After hearing this several times, Bullwinkle finally asked,"Why do you think that this is a Communist plot?" Without missing a beat, the Senator responded,"I think that everything is a Communist plot."
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More Comments:
David T. Beito - 12/23/2006
Could have been. That darn cartoon channel never plays it when I can see it so as to refresh my memory.
Gary McGath - 12/20/2006
I don't recall any Martians in any Rocky and Bullwinkle episode. Probably it was the Moon Men, Cloyd and Gidney.


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Note: The Themes button can be used to edit the appearance of the web page. The Page Settings button can be used to modify the settings of the web page. Hover your mouse cursor over the widgets to reveal widget editing options.


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The Freshman Raglan T-Shirt from Grizzly Griptape is a classic raglan shirt with ¾ length sleeves. Featuring an American football style Grizzly printed script on the front and athletic "01" numbering on the back. The Freshman raglan is completed with a dropped and unfinished hem.
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Time has, in many ways, changed the complexion of the Indianapolis Colts' storied rivalry with the New England Patriots.
They haven't met in the playoffs since the 2007 AFC Championship Game. And all but a handful of the central figures from that era are gone, with Tom Brady, Robert Mathis and Bill Belichick being notable exceptions.
The other, of course, is Adam Vinatieri, the only player who has seen and experienced the rivalry from from both sides. And though much has changed superficially, he insists the passion has not.
This story appears in the print edition of The Tribune. Subscribers can read the entire story online by signing in here or in our e-Edition by clicking here.
All content copyright ©2016 The Tribune, a publication of AIM Media Indiana unless otherwise noted.
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Garlic Fried Chicken Breasts
Total Time
Prep 20 mins
Cook 10 mins
This is delicious, if you love garlic you will love this! The complete recipe may be doubled although if you are doubling recipe I would suggest to use no more than 2 teaspoons garlic powder. If desired serve breasts topped with Creamy Mushroom Sauce/Gravy or Kittencal's Easy No-Fail Make Anytime Turkey Gravy
Ingredients Nutrition
- 2 teaspoons garlic powder (or to taste, can use up to 1 tablespoon)
- 1⁄2-3⁄4 teaspoon black pepper (can use more)
- 1 1⁄2 teaspoons seasoning salt (or use 1 teaspoon white salt)
- 1 teaspoon paprika
- 1 pinch cayenne pepper (optional)
- 3⁄4 cup seasoned dry bread crumb
- 1 cup flour
- 1⁄2 cup milk
- 1 large egg
- 3 -4 boneless skinless chicken breasts (pounded thin)
- 1 cup oil (or as needed)
- In a shallow dish mix together garlic powder, black pepper, seasoned salt (or 1 teaspoon white salt) paprika, cayenne (optional) seasoned bread crumbs and flour.
- In another shallow bowl whisk the egg with milk until combined.
- Heat 1 cup oil in a skillet to 350 degrees.
- Dip the chicken in egg/milk mixture (shaking off any excess) then coat into the bread crumb mixture.
- Fry the chicken in oil for about 5 minutes per side or until the chicken is cook through.
Most Helpful
My family really love the garlic fried chicken YUM YUM!!!!!!
This chicken was excellent! I used a tablespoon of so of garlic powder and it turned out delicious. As another comment suggested, I pounded out my chicken breasts beforehand as well.


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The National Alliance on Mental Illness says 15-20 percent of men and women returning home from deployment are diagnosed with posttraumatic stress disorder.
NAMI says traumatic brain injury, depression and other mental illnesses are major concerns in the veteran population. Because of this, NAMI has created the Veterans Resource Center.
The Center is a comprehensive website, for vets and active duty personnel, as well as their families, friends, and advocates.
NAMI also has a special relationship with the Veterans Health Administration to include the Family-to-Family program at VHA facilities. To find out about a Family-to-Family opportunity at a VA near you, contact email@example.com or go to www.nami.org/f2f.


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Khalil Hamra, Associated Press
CAIRO — Tens of thousands of protesters took the streets in Egypt denouncing President Mohammed Morsi and a draft constitution that his Islamist allies approved early Friday in a rushed, all-night session without the participation of liberals and Christians.
Anger at Morsi even spilled over into a mosque where the Islamist president joined weekly Friday prayers. In his sermon, the mosque's preacher compared Morsi to Islam's Prophet Muhammad, saying the prophet had enjoyed vast powers as leader, giving a precedent for the same to happen now.
"No to tyranny!" congregants chanted, interrupting the cleric. Morsi took to the podium and told the worshippers that he too objected to the language of the sheik and that one-man rule contradicts Islam.
Crowds of protesters marched from several locations in Cairo, converging in central Tahrir Square for what the opposition plans to be the second massive rally in a week against Morsi. They chanted, "Constitution: Void!" and "The people want to bring down the regime."
The protests were sparked by the president's decrees a week ago granting himself sweeping powers and neutralizing the judiciary, the last check on his authority. The edicts tapped into a feeling among many Egyptians that Morsi and the Muslim Brotherhood, from which he hails, are using their election victories to monopolize power and set up a new one-party state, nearly two years after the fall of autocrat Hosni Mubarak.
As a result, Egypt has been thrown into its most polarizing and volatile crisis since Mubarak's ouster. The past week, clashes between Morsi's supporters and opponents left two dead and hundreds wounded and raised fears of further chaos. The Brotherhood and other Islamists plan their own massive rally backing Morsi on Saturday.
But the sudden adoption of a draft constitution by an Islamist-dominated assembly tasked with producing the document throws the confrontation into a new phase.
The opposition must now decide how to deal with a nationwide referendum on the document, likely to come in mid-December: Boycott the vote to protest what critics call a deeply flawed charter or try to use anger at Morsi rally the public to reject it in the referendum.
The draft constitution has an Islamist bent. It strengthens provisions that set Islamic law as the basis of legislation, gives clerics a still undefined role in ensuring laws meet Shariah and commits the state to enforce morals and "the traditional family" in broad language that rights activists fear could be used to severely limit many civil liberties.
At the same time, it installs new protections for Egyptians against some abuses of the Mubarak era, such as stronger bans on torture and arbitrary arrest. It weakens somewhat what had been the near total powers of the presidency, giving parliament greater authorities.
Almost all liberal and secular members of the assembly had quit in the past weeks to protest what they called Islamists' hijacking of the drafting process.
As a result, 85 members — almost all Islamists, with no Christians — participated in the session that began Thursday. The voting, which had not been expected for another two months, was hastily moved up to approve the draft before the Supreme Constitutional Court rules on Sunday on whether to dissolve the controversial assembly.
Racing against the clock, the members voted article by article for 16 hours on the draft's more than 230 articles, passing them all by large margins.
The rush resulted in a process that at times appeared slap-dash. Assembly head Hossam al-Ghiryani doggedly pushed the members to finish.
When one article received 16 objections, he pointed out that would require postponing the vote 48 hours under the body's rules. "Now I'm taking the vote again," he said, and all but four members dropped their objections.
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Portsmouth Herald: Elected officials should bow to bureaucrats on 5 mph speed limit increase
The N.H. Department of Transportation opposed the speed limit increase on I-93, but legislators passed it anyway. The DOT also opposes the 70 mph proposal for Route 101 and Interstate 89.
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