text:
Call us toll-free: 866-482-8919Via Fax toll-free: 866-339-4787Online: www.deiequipment.com
Manufacturer Details:
Staub fully guarantees their products against defects in materials and/or craftsmanship. The Staub warranty does not cover wear from normal use or any damage resulting from use other than the intended purpose. Wood products are not covered by the warranty as wood is a natural element and thus cannot be guaranteed. Defective items will be repaired or replaced with similar items at the discretion of Staub.
The Staub journey begins in Alsace, France. Rich in history, food, and craft, it is a region renowned for hearty one-pot recipes. Staub has been producing the best cast iron products for professional and aspiring cooks since 1974. Staub's Fry Pans have a black matte enameled interior which helps create a non stick surface and insures proper food release and is recommended for hand washing recommended.
The pan features two pouring spouts for easy juice or fat collection. The rough texture results in exceptional browning. It is easy to clean and dishwasher safe. Lifetime warranty, made in France. This 10-inch fry pan features a cast iron construction that retains and evenly distributes heat, making it ideal for browning food.
Oven safe up to 500 degrees F, this frying pan is safe for all cook tops, including induction. Two spouts on this frying pan allow for easy draining of fats or liquids.
Model: 1223087 Size: 16" X 11.8" X 2.1"Color: Grenadine
Staubs Fry Pans have a black matte enameled interior which helps create a non stick surface and insures proper food release and is recommended for hand washing recommended. (read more)
For questions about Staub 10" Cast Iron Frying Pan, 1222687, Color Grenadine, including stock levels, please type your question below and receive an answer via email. For shipping charges please include your delivery zip code. If you would like to be contacted via telephone, please include your telephone number and name.
Disclaimer: Due to monitor variations, product's colors shown might not be exact. Photos shown for representation purposes only. Product specifications, availability, and pricing are subject to change without notice.


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Pinot grigio was big. New Zealand sauvignon blanc was huge. However, there is no word to describe the skyrocketing success of moscato.
"It's the hottest trend in the wine industry in 25 years, and we can barely keep up," says Randy Arnold of Barefoot Cellars, one of five moscato labels that bulk giant E.&J. Gallo Winery has launched in the past four years.
According to Nielsen, sales of the light, sweet, often fizzy white wine made from the Italian muscat grape spiked more than 70 percent in 2011, due in large part to its role as a drink in the hip-hop club scene.
In the past few years, rappers Ab-Soul, Kanye West, Waka Flocka Flame and others have praised this low-cost, low-alcohol aperitif (take that, Cristal) in their lyrics. Drake was probably the first, with his 2009 single, "Do It Now," which opens, "It's a celebration, clap, clap, bravo/lobster and shrimp and a glass of moscato/for the girl who's a student and her friend who's a model/Finish the whole bottle."
And then there's "Freaky Moscato," the first rapper-branded wine. Nelly swigs from a bottle in the video for his recent single.
Rap is merely what jump-started the craze, explains James Nunes, vice president of marketing for St. Helena's Trinchero Family Estates, which makes moscato under the Sutter Home, Bandit and Menage a Trois labels.
"A lot of the reason things take off today is social media," he says. "People take a picture of the wine and post it on Facebook or Twitter, and thousands of followers see it."
Also, because the gentle, peachy wine made from the Italian grape generally clocks in low on alcohol, as low as 6 percent, people started using it as a mixer in clubs. Some bottlings are super sweet and actually benefit from a little ice time. Moscatos driving the trend cost about $10 or less. However, you can find refined, balanced examples for as much as $25.
"We have brought in a lot of consumers who are new to wine and may have an easier time with this than they do with, say, the tannins in cabernet (sauvignon)," Nunes says.
Another appeal of moscato is that it actually tastes like the grapes it comes from, explains Arnold, of Modesto-based Barefoot Cellars. In addition to stone fruits, the northern Italian grape can also make wine that displays notes of citrus, honey and orange blossoms.
"There are a lot of fruit flavors in the grapes that actually show up in the wines," he says. "There are a whole group of consumers whose taste profiles were not being matched by wine. Moscato works for them."
E.&. J Gallo Winery launched Barefoot Cellars Moscato in 2008. The $6 wine has helped Barefoot Cellars become the largest revenue-producing winery in North America, according to Arnold.
Moscato madness also has doubled the price of moscato grapes in the Central Valley, where most of the big brands source their fruit. But that's not stopping any of the players from expanding and up-selling.
Many producers offer moscato rosé made with pinot noir. Barefoot Cellars has a red moscato for folks who like more red fruit characteristics as well as a pink moscato sparkling wine that fetches $10.99 a bottle. They plan to unveil a still pink moscato Aug. 1 that includes white grenache and zinfandel rosé.
"You can't up-sell white zinfandel, but you can with this," Arnold says. "It's fantastic."
If the growth continues, moscato is poised to bump sauvignon blanc and white zinfandel and become the sixth-most popular varietal wine, according to the research group Wine Market Council.
Even on the luxury end, customers can't get enough of the stuff.
"We've had to limit purchases, because the demand has gone through the roof," says Michael Scholz, vice president of winemaking for St. Supery Vineyards & Winery, which makes an elegant $25 moscato with balanced acidity from grapes grown on its Napa Valley estate. They've been making the artisan wine since 1989.
"I can see the appeal," he says. "Moscato is approachable with tremendous flavor. And because it's sweet, but vibrant and fresh, it appeals to a lot of palates."
Contact Jessica Yadegaran at firstname.lastname@example.com. Follow her at Twitter.com/ swirlgirl_jy.

subset: commoncrawl


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News 12 at 6 o'clock / Friday, March 16, 2012
AUGUSTA, Ga. -- Masters Week is a chip shot away, and city leaders want to help you get around in the midst of the excess traffic headed our way.
Nearly 50,000 cars will cruise down Washington Road during the peak hours of the Masters tournament.
Augusta's traffic engineers started working on their traffic plan at the end of last year's tournament.
Steve Cassell, a traffic engineer for the city of Augusta said, "We've always closed the eastbound Washington Road ramp but we've done it as we needed to, this year we decided to schedule it."
The eastbound ramp of Interstate 20 coming from Atlanta will be shut down from 7:30 to 10 a.m.
"You've got a lot of converging, if we can keep pressure off that funnel and put it somewhere else, we can manage it," Cassell explained.
As cars are routed to more effective places, Berckmans Road will turn into a one-way route for the second year in a row.
"That extra lane of capacity leaving the tournament was just amazing," Cassell added.
It also cuts down on gridlock through neighborhood roads. Add traffic cameras into the mix, and engineers will also have a bird's eye view of each congested spot. They can keep a count on the number of cars on the road in real time.
"We feel that will help keep Washington Road flowing better instead of playing catch up," Cassell said.
This is also the first year Augusta will use its new adaptive traffic signals to monitor the flow and change the signals as needed.
"If you're gonna come through, it we'll get you through, but you'll have to plan effectively add more time to your travel," Cassell said. "With Alexander Drive being open, we are afraid it was going to be confusing."
The newly expanded Alexander Drive will be used mostly for thru traffic and the left turn lane will be eliminated during the week of Masters.
"If you live near a big event, there is going to be an impact," Cassell said.
This year engineers have it down to a science as they try to minimize the impact on Augusta drivers.
Augusta National also has detailed traffic maps on its website, which can be found here.


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Washington State Community College's on-campus population swelled by more than 700 Friday as sophomores from all six of the county's school districts gathered to learn about their options after high school.
The second annual Washington County College and Career Exploration Fair was held on the campus, with 20 colleges, universities and military organizations and more than 50 speakers from local businesses and agencies participating.
"The support from the community is just phenomenal," said Andy Brooks, chairman of the committee that organized the event on behalf of local school districts and the Teen Career Awareness Initiative.
Some of the sessions were based on input from last year's participants about fields that were not represented, Brooks said. Among the additions this year were a financial planner, a session on education jobs and Felice Jorgeson, director of the Smoot Theatre in Parkersburg, discussing career opportunities in fine arts.
The goal is to get students thinking about their futures. It actually grew out of the requirement for transition plans for students on individualized education plans, said Brooks, who is the special education director for Warren Local Schools.
"There are other kids out there that don't have plans for the future. So it just mushroomed into this," he said.
Several of the students at the fair said they had given the subject some thought, and they found Friday's event useful.
"It's really a great opportunity to explore the career field you're interested in as opposed to a career field you're not," said Belpre High School sophomore Jackie Cunningham.
Cunningham attended a session on sports-related careers. She's interested in sports management and athletic training, the latter a result of her own recovery from a torn MCL she suffered playing softball.
One of the things Cunningham took from the session was that "you don't have to know what you want to be at this moment. Just little by little, further your interest."
Marietta High School sophomore Austin Jones already knew he wanted to join the military after high school, but during the fair, he learned that going to college first could give him an opportunity to go into officer training.
"You'll get paid more too," said Jones, who hopes to enlist in the U.S. Marine Corps.
Warren High School sophomore Heath Hutchinson said he will think about college more after attending the fair.
"I hadn't really thought about it, but now it makes me want to come to college," he said, adding that a tour of Washington State's auto-diesel lab particularly piqued his interest.
Hutchinson also heard some tips about landing a job during a presentation by Greenleaf Landscapes general manager Dave Fleming on applications and interviews. One of Fleming's points that surprised him was the importance of having a driver's license.
Fleming said that while he understands 15- and 16-year-olds not having licenses, as potential employees get older, it becomes more of an issue.
"You may never have to drive a piece of equipment for me, but I don't have to worry that you're not going to show up for work because your ride ... didn't show," he said between sessions.
Fleming emphasized the importance of some items job-seeking teens might take for granted, like not leaving areas blank, having correct phone numbers and addresses listed and dressing properly. Such errors can contribute to winnowing the field of potential applicants.
Washington County Commissioner-elect David White was on hand to tell students about careers in photography. However, he also wanted to emphasize the changing nature of that industry and career paths in general, noting that when he takes office in January it will be his third career after working as a landscape designer and owning his own photography business.
"I'm here, more importantly, to tell them if they're not doing something they love, they need to change," he said.


text:
Pillar Holders, Set of 3
Item# 39-208
This item is currently not available.
Additional Information
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Add a decorative trim to the base of pillar candles with these elegant holders while keeping wax drips contained. Felted base won't scratch furniture.
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The views expressed in this column are solely those of the author and do not
reflect the views of SVB Financial Group, or Silicon Valley Bank, or any of its
In our daily updates we often talk of the markets switching in
a very polarized fashion from risk on (having more risk appetite) to risk off
(suffering from risk aversion). What do these terms really mean?
More often than not, these actions are the trade-off between
greed and the consequence of greed, which is the risk of losing some of the
value or devaluing the principle in return for a higher return: fear. When the
risk of the latter seems more likely to overtake the advantage of the higher
return, then there is a flip from risk appetite to risk aversion.
In currency terms, this usually means that in times of risk
appetite the currencies with the higher yields will benefit or strengthen
against the U.S. dollar. These currencies can be divided into two main classes.
The first is the commodity currencies, which typically have higher yields. Due
to higher demand from countries that now consume a lot more than previously, the
central banks in these countries have raised their interest rates to try and
slow inflation while commodity prices are rising in US$ terms. China is, of
course, the largest of these commodity consumers. The result is that the
economies in the commodity based countries of Australia, Canada, South Africa,
Russia, Brazil and New Zealand have higher interest rates and, therefore,
attract the higher risk investment funds. They are the beneficiaries of risk on.
The second group of currencies that benefit are those with interest rates higher
than the U.S. that do not have commodity based economies.
The currencies that are the beneficiaries of risk off when fear
takes over from greed are the yen, the Swiss franc and the US$ because money
flows to U.S. Treasuries (at least this used to be the case). The reason I say
the US$ used to be the beneficiary is that there has been an acceleration this
year of more central banks and sovereign funds, due to the Far East investing in
euros rather than in USD, as they diversify their foreign holdings from such a
high ratio of U.S. holdings. This is the reason why the euro has maintained its
current level despite the euro zone debt problems.
The reason they are moving away from investing in USD is that
they are concerned about the amount of US$ we are printing. The theory is that
the more currency you have in circulation the less the currency is worth. The
foreign countries investing their excess funds created by large trade surpluses
have sensibly decided that unless the number of US$ is decreased, the buying
power of the US$ is impacted. The result is that it will take more dollars to
buy ALL other assets.
The fact is, the way we look at the dollar is slightly
different from everyone who is outside the U.S. because it is our currency. The
way this devaluation of the dollar affects us is that we see everything else
going up in price. Other currencies are more expensive making your foreign
vacation in Switzerland this summer cost twice as much as it would have done in
the year 2001.
Over the same time period gold has risen from $275 per ounce to
over $1,500 per ounce a 550 percent gain in price. Silver was $3.50 per ounce it
is up 1,000 percent, but these are precious metals and we all know there are
other driving forces behind their rise. Although that is true, let us not forget
that there has been a massive amount of gold purchases by the same Far East
central banks and other sovereign funds that have been diversifying into other
currencies as these metals are de facto currencies.
If we
look at other more basic commodities;
Allowing for inflation compounded over a 10-year period and a
pickup in demand, the buying power of the dollar has decreased considerably even
taking into account the other factors when compared to the buying power of the
other currencies.
Using the euro as the obvious alternative, the above
commodities are only higher in euro terms calculating the value difference basis
as the euro was 0.9 to the dollar in 2001 compared to 1.43 now: a 158 percent
I think this gives us a broad-based idea of how much buying
power the dollar has lost. If we were to make the comparison against when the
euro was formed at about 1.18 and use that as a more realistic average compared
to the 90 cents the euro was worth in 2001. We have to halve the value of the
savings for the goods in euro terms showing that while these goods would be
higher in parse in euro terms, they would still be much less when compared to
the rise in price in U.S. dollar terms.
Let's bring this back to a more domestic focus for us here in
the U.S. The Dow was 10,112 at the end of August 2001, (the date used for the
above data); it is now 11,690. That means in euro terms — using our average
value of 1.18 compared to 1.43 where the euro is today — the Dow is now worth
9,661 in euro terms. To put it another way, if you had euros, bought dollars,
invested them in the Dow index for 10 years and sold them today, you would have
taken a 20 percent loss due to the erosion of the dollar's value. If you had
owned stocks over this same time period, the value of your asset in global terms
would have declined.
This illustrates the impact of what happens when a country
prints too much (a relative term) money. Not only do commodities and currencies
cost more, but its own domestic equities cost more.
Bring on the end of the Fed's QE II policy and hopefully a
slight reprieve from this weak dollar policy. Of course, this only shifts the
market's global focus to who has the most bad debt out there. Long term we must
have Europe beaten on this one, unless the euro splits!
The views expressed in this column are solely those of the author and do not reflect the views of SVB Financial Group, or Silicon Valley Bank, or any of its affiliates. This material, including without limitation the statistical information herein, is provided for informational purposes only. The material is based in part upon information from third-party sources that we believe to be reliable, but which has not been independently verified by us and, as such, we do not represent that the information is accurate or complete. The information should not be viewed as tax, investment, legal or other advice nor is it to be relied on in making an investment or other decisions. You should obtain relevant and specific professional advice before making any investment decision. Nothing relating to the material should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction.
Foreign exchange transactions can be highly risky, and losses may occur in short periods of time if there is an adverse movement of exchange rates. Exchange rates can be highly volatile and are impacted by numerous economic, political and social factors, as well as supply and demand and governmental intervention, control and adjustments. Investments in financial instruments carry significant risk, including the possible loss of the principal amount invested. Before entering any foreign exchange transaction, you should obtain advice from your own tax, financial, legal and other advisors, and only make investment decisions on the basis of your own objectives, experience and resources.
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Volvo Trucks is the second-largest heavy-duty truck brand in the world; more than 95% of the trucks we build are in the heavy weight class above 16 tonnes. Our trucks are sold and serviced in more than 140 countries all over the world.
The company's retail strategy is based on customer orientation and is supported by over 2300 dealerships and workshops. The trucks are the core products in our total offer, which also includes aftermarket, service and extended offers.
Volvo Trucks has a production structure based on global presence. We have eight wholly-owned assembly plants and nine factories owned by local interests. About 95% of the company's production capacity is located in Sweden, Belgium, Brazil and the USA.
Throughout our production apparatus and our entire organisation
we focus on our core values: Quality, Safety and Care for the Environment. With 17,000 dedicated employees, Volvo Trucks strives to have satisfied customers and to be an attractive employer.


text:
It's been a week of dodging rain drops and cooler weather. I took some time out to walk in the rain while enjoying the fresh rain.
Here's this week's Tips and Trick's.
Have a Wonderful Week!
- Didn't mean to close that tab on your internet browser? Ctrl+shift+t will reopen any accidentally closed tabs.
- Are you moving and renting your new digs? Always take pictures of your apartment the day you move in and the day you move out. In case the landlord says you left damages.
- Always take a photo with your smartphone of your bag tags and your bag when you are flying. If they lose your bag this will help find it.
- Accidentally erase something you just typed on your iPhone? To undo that, just shake it!


text:
- Tea Pouches
- Loose Tea
- Iced Tea
- Teaware
- Gifts
- Sale
- Why Mighty Leaf?
ML Marrakesh Mint Green Tea Tin
ML Marrakesh Mint green tea is made from chinese gunpowder green tea blended with refreshing Moroccan mint leaves for a soothing infusion.
3 oz loose tea in tin
Green tea, mint
China, Morocco
Subscribe and save 5% with Regular Tea Rituals, our Auto-Delivery Program. Details
Fields marked with an asterisk (*) are required.


text:
Lombard Armchair is designed in the Sheraton-style with slatted shield-back with shadow-stripe cream
upholstery. The armchair features a carved claw on the handrest.
2"W x 3 1/2"H x 2"D
We began introducing JBM Miniature Furniture several years ago, and it quickly became one of our most popular lines. The quality is excellent, the detailing precise, and the designs are reproductions of classic antique European and American furniture. Each piece is designed in Australia and crafted from kiln-dried hardwood.
Scale: 1/12
Assembly Required:
No1/12 scale, also referred to as one-inch scale (or 1" scale), means 1 inch = 1 foot
miniatures.com is dedicated to bringing you quality items at the best prices, and
we stand behind our products 100 percent. Satisfaction guaranteed. If, for any reason,
you are not completely satisfied with your order from miniatures.com, simply return
it to us within 30 days. We are more than happy to exchange it or provide you with
a credit or refund.


text:
Heart Transplant Center - Indio, CA
- WebMD Physician Directory of Indio Cardiothoracic Surgeon Doctors
- Related Heart Transplant Articles
- Indio Emergency Contacts
- Nearby Indio Hospitals
- Find a Local Pharmacy on RxList - Indio
Indio Cardiothoracic Surgeon Doctors for Heart Transplant
Type of Physician: Cardiothoracic Surgeon
What is a Cardiothoracic Surgeon? A certification by the Board of Thoracic Surgery; practitioners are skilled in patient care before, during and after surgery, and the critical care of patients with pathologic conditions within the chest. The management of the airway and injuries of the chest is within the scope of the specialty.
Specialty: Cardiothoracic Surgery
Common Name: Chest Surgeon
Cardiothoracic Surgeon Doctors in Indio * results
- 2
Steven R. Gundry
International Heart & Lung Institute
555 E Tachevah Dr Ste 3W103
Palm Springs, CA 92262
(760) 323-5553
- 38 years experience
- 1 office location(s)
- 3
Walter J. Ehrman
Comprehensive Cancer Center
1180 N Indian Cyn Dr Ste E218
Palm Springs, CA 92262
(760) 416-4800
- 23 years experience
- 1 office location(s)
- 4
Eric R. Presser
El Mirador Surgery Center
1180 N Indian Cyn Dr Ste W 110
Palm Springs, CA 92262
(760) 416-4600
- 16 years experience
- 1 office location(s)
- 5
G Reza H. Farsad
Gholan R Farsad MD
1401 N Palm Canyon Dr Ste 103
Palm Springs, CA 92262
(760) 320-3538
- 51 years experience
- 1 office location(s)
- 6
Kuan-Cheng J. Chen
Kuan-Cheng Chen MD
622 W Duarte Rd Ste 205
Arcadia, CA 91007
(626) 821-9075
- 50 years experience
- 2 office location(s)
Don't see your city? Use the WebMD Physician Directory to expand your search.
Heart Transplant
Introduction to heart transplant
The idea of replacing a bad organ with a good one has been documented in ancient mythology. The first real organ transplants were probably skin grafts that may have been done in India as early as the seco...
Other Related Heart Transplant Articles
Emergency Contact for Indio
- In case of Emergency, call 911
Nearby Indio Hospitals results
- 1Oasis Rehabilitation Center
47915 Oasis St
Indio, California 92201
(760) 863-860
- 2John F Kennedy Memorial Hosp
47111 Monroe St
Indio, California 92201
(760) 347-619
- 3Betty Ford Center
39000 Bob Hope Dr
Indio, California 92270
(760) 773-410
- 4Eisenhower Medical Center
39000 Bob Hope Dr Frnt
Indio, California 92270
(760) 340-391
- 5Desert Regional Medical Center
1150 N Indian Canyon Dr
Indio, California 92262
(760) 323-651
- 6Hi-Desert Medical Center
6601 White Feather Rd
Indio, California 92252
(760) 366-371
- 7Naval Hospital
Bldg 1145 Sturgis Rd
Indio, California 92278
(760) 830-219
* Provider Directory Terms of Use:
The WebMD 'Provider Directory' is provided by WebMD for use by the general public as a quick reference of information about Providers. The Provider Directory is not intended as a tool for verifying the credentials, qualifications, or abilities of any Provider contained therein. Inclusion in the Provider Directory does not imply recommendation or endorsement nor does omission in the Provider Directory imply WebMD disapproval.
You are prohibited from using, downloading, republishing, selling, duplicating, or "scraping" for commercial or any other purpose whatsoever, the Provider Directory or any of the data listings or other information contained therein, in whole or in part, in any medium whatsoever.
The Provider Directory is provided on an "AS-IS" basis. WebMD disclaims all warranties, either express or implied, including but not limited to the implied warranties of merchantability and fitness for particular purpose. Without limiting the foregoing, WebMD does not warrant or represent that the Provider Directory or any part thereof is accurate or complete. You assume full responsibility for the communications with any Provider you contact through the Provider Directory. WebMD shall in no event be liable to you or to anyone for any decision made or action taken by you in the reliance on information provided in the Provider Directory.
The use of WebMD Provider Directory by any entity or individual to verify the credentials of Providers is prohibited. The database of Provider information which drives WebMD Provider Directory does not contain sufficient information with which to verify Provider credentials under the standards of the Joint Commission on Accreditation of Healthcare Organizations (JCAHO), National Committee for Quality Assurance (NCQA) of the Utilization Review Accreditation Committee (URAC).
By using the WebMD Provider Directory, you agree to these Terms and Conditions.


text:
Police chase ends in crash in Covington
Officers were pursuing shoplifter from Erlanger
Published 1:53 PM EDT Apr 26, 2013
A police pursuit of an alleged shoplifter ended in a crash in Covington.
Erlanger police said they tried to pull over a car Friday afternoon that was reportedly involved in a shoplifting incident at the Silver Lake Kroger, but the car wouldn't stop.
Erlanger police pursued the car into Covington, where Covington police took over, Erlanger police said.
The car crashed at 26th and Madison a short time later, police said.
No other information about the crash or the woman driving the car has been released so far.
WLWT News 5 will have more on this story as it becomes available.
Copyright 2013 by WLWT.com All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


text:
Republicans argue his door isn't very open considering the president's refusal to consider a fix of targeted spending cuts alone, as Republicans want.
Instead, he's demanding a "balanced" package of cuts and loophole-closing tax increases.
The president has had little direct contact with Republicans to find a way around the roughly $85 billion in indiscriminate "sequester" cuts set to begin in nine days.
"I don't have any calls or communications to read out to you," White House spokesman Jay Carney said at his daily briefing.
Neither party says it wants the March 1 cuts—coming on autopilot absent congressional intervention—given the fragile recovery and stubbornly high unemployment.
Obama and House Speaker John Boehner, R-Ohio, have a rocky record in past negotiations.
"Frankly, every time I've gotten into one of these high-profile negotiations, you know, it's my rear end that got burnt," Boehner said in a recent interview with The Associated Press.
Boehner's flexibility is seriously limited by an internal divide between a GOP establishment open to negotiations and an insurgent right resisting compromise.
So both sides have been lobbing shots from afar.
Obama blasted Republicans in a White House speech in front of first-responders whose jobs he suggested are at risk.
White House senior adviser Dan Pfeiffer took issue, writing in a White House blog Wednesday that Boehner and the Republicans "would rather see our recovery and middle class economic security be put at risk than close one tax loophole for big corporations and the wealthiest."
So far it's just been back and forth—with no apparent headway.
Follow Tom Raum on Twitter: http://www.twitter.com/tomraum


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I would loosely define "modern" as a game with a unified ruleset, equal emphasis on combat and noncombat activity, a strongly reality-based design, and highly modular design (the "toolkit" mentality). I would define "classic" as being focused on the Chainmail-esque tactical miniatures combat in a dungeon setting, using many discrete subsystems and esoteric rules, and without making many explicit attempts within the rules to model reality or to encourage activities other than combat. By these definitions (the ones that I just made up which no one else is bound to), the announced 5e plans (and Monte Cook's work) are pretty modern."Clear Eyes, Full Hearts, Can't Lose"
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Thursday, 12th January, 2012, 04:38 AM #102
Acolyte (Lvl 2)
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And that's not just a little negative. That's a BIG negative!
Their stated design goal is patently un-possible. (Note - that's even LESS possible than impossible.) The "Everything to Everyone" concept has been a failure for every game that has tried it. The closest thing that came to success at that goal is probably GURPS, and most of the people buying GURPS books are really just getting sourcebooks to use with homebrew games.
I have strong doubts that this player feedback is actually going to be used. Morrus even posted that he has already played 5e. That seems to imply that at least the initial design work is DONE. And it was done without fan feedback. I really doubt that the design team is going to be willing/allowed to scrap that work if the fan feedback is against it. As such, I'm assuming that the fan feedback is just a PR gimmick to try to win back fans.
There has been NO information about what the licensing will be for 5e. IIRC the term that has been used for 5e is GSL. The GSL has been an abject failure compared to the OGL. Even considering revising the GSL is a terrible idea. Scrap it and come up with something new. Better yet, go back to the OGL and while you're at it, liberate those few IP monsters that the OGL kept back. Really, is there ANY evidence that keeping the Beholder and Ilithid out of the OGL honestly made WotC ANY money?
IMO there is really no need for a new edition, other than for WotC/Hasbro to make more money. Can't fault them for that. Who doesn't want to make money? But for my money, I have a great edition of D&D. It's called Pathfinder, and they've been taking their fans' voices into account for several years now. The books come out on time, and look great. They have a deep line of products and accessories. I really don't need 5e, any more than I needed 4e. 5e would have to be so amazingly revolutionary to convince me to switch now as to be inconceivable.
All that said, I did sign up to help playtest. Hope springs eternal, and I recognize that the hobby needs D&D to stay healthy. Maybe they can pull it off. Gygax and Arneson pretty much caught lightning in a bottle when they created the game. Maybe it can happen again? Maybe 5e will be so incredible we all unite behind it and gaming becomes as big and mainstream as it was in the 80's?
Sorry, but I doubt it.
Thursday, 12th January, 2012, 04:38 AM #103
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I am neutral. Everything they are saying seems good, but I am concerned that maybe their mouth is writing checks their ass can't cash.
Geek Related blog - http://mxyzplk.wordpress.com/
Thursday, 12th January, 2012, 05:51 AM #104
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I voted neutral. I like what they are currently saying. I am extremely skeptical about them actually DOING it (or at least, doing it RIGHT).
I'll wait and see.
Signature on hiatus until further notice.
Thursday, 12th January, 2012, 05:55 AM #105
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I just can't bring myself to care anymore, to be honest. WotC lost me as a customer with 4th edition, which basically shat on all the things (campaign settings and accrued canon, OGL, Dungeon and Dragon mags, etc) I loved most about D&D as a brand. For D&D as a game, I've got Pathfinder.
If life had a reset button and they could return it all to 2007, maybe ... but I don't think even Monte Cook can bandage this one. I think it's more likely to fracture the player base even more and could make things difficult for Pathfinder, which is the real spiritual successor in my opinion.
As long as Hasbro has ultimate control, I just don't trust them to do the right thing for the game.
Um, that's not exactly what I meant...
Thursday, 12th January, 2012, 07:01 AM #106
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I've been gaming since 1979. I will always use whatever edition is out. And when I feel like it, I will use any past edition too. It's about having fun with friends. The dice, the mechanics, the setting-well, they are just a bonus. I just like dungeon delving. As long as someone is helping me come up with cool or new ways to do it, I will buy their product!
Thursday, 12th January, 2012, 08:54 AM #107
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The stated goals are impossible.
What D&D needs is a heavily marketed VTT that lets people play D&D 24/7, but unlike MMOs, the VTT would offer a human element and the ability to have a character truly affect their game world in a big way.
But instead of embracing the digital future, WotC is going to slap together another dead tree edition to battle it out with the very entrenched and fractured remnants of the hobby.
The OSR isn't coming to 5e, the 3e crew has Paizo and thanks to the OGL, the 4e crew will have some company to cater to them as well. Regardless of how modular 5e may be, it won't be 1e, 3e or 4e and that's what fans of 1e, 3e and 4e want.
That said, I am very interested in playtesting 5e out of my curiosity for new RPGs. I really love checking out new RPGs, regardless of the name brand or company.
Thursday, 12th January, 2012, 09:12 AM #108
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I voted neutral.
I'd like to be positive. I wish D&D a long and healthy life in whatever form it may manifest.
I will watch with interest and happily participate in the playtest and share my thoughts and experiences/opinions. I will continue to play 4e and Pathfinder, both editions I enjoy.
But I think some RPG fans like to be negative/unreasonable about things and inflict their own issues onto as many people as they can reach. I do believe this is a vocal minority, but I have my doubts as to whether "5th Idition" will achieve what it sets out to, though I do honestly hope that it does.
It would be wonderful to think that they could come up with a system so perfect and flexible that it literally was able to satisfy every gamers proverbial itch. As Macchiavelli said, set your sights high, far beyond your capabilities and even if you shoot lower you will have reached far further than you would have otherwise.
But as I do have doubts and reservations, til I see, I will remain quietly neutral.
'I am a predator...the predator improves the race...I kill but not out of hate.'
Frank Herbert: Emperor God of Dune
Thursday, 12th January, 2012, 09:19 AM #109
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GURPS clone.
In a sense, the D&D game has no rules, only rule suggestions. - Tom Moldvay
Thursday, 12th January, 2012, 09:30 AM #110
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I picked positive. I will give WOTC one more chance,even though they tried to kick us older gamers to the curb. I find the angst and nerd rage emanating from the 4E crowd delicious. 5E will look nothing like 4E guaranteed. I look forward to all the 4E crowd having to deal with what those of us who like other editions had to deal with when WOTC had their antics with 4E.


text:
Luxury Studio with Highspeed Internet in Copacabana, 1-3pax (C013)
Size25 m²
Floor No.(with elevator)
- Internet/WiFi
- Kitchen
- Air conditioning
- Washer/dryer
- Towels
- Family/child friendly
- Smoking allowed
|Avenida Prado Júnior, 22011-040 Rio de Janeiro, Brazil
|Property type
|Property ID
|Acceptance rate
|< 50%
|Response time
|A few hours
|Calendar updated
|A few months ago
Our calenders and prices are always updated.
It is not necessary to verify the availiability and rates with us before sending your reservation request.
We do work with minimum rental periods for some events, like the Carnival, the New Years Eve and the World Cup. Please send us a message before making the reservation, if your request includes one of this events.
We administrate more than 150 vacation rental properties in the South Zone of Rio de Janeiro.
You are welcome to visit our profile to visualise all our accommodations.
## WARNING: during carnival and new year's eve the minimum stay is 10 days. Be informed shorter stays will be NOT ACCEPTED. ##
Luxury accommodation with 25m², divided in bedroom, bathroom & kitchen.
Equiped with Double bed, sofa bed, washing machine, lcd tv (international channels), High speed Internet, air conditioner & indirect lightnings
Kitchen with refrigerator, microwave oven and cooktop with 5 plates
Located in the 3rd floor of a safe building with 24h doorman in less than 200 meters distance to the famous Copacabana beach
For your safety and convenience, we offer a transfer by executive car, with a bilingual driver. If interested, please request more information by sending a message.
We hand over the apartment clean and in perfect condition, including bed and bath linen. Is also our responsibility to clean the property and to take care of bed and bath linen laundering when client leaves.
Extra cleaning: If the client wants an extra cleaning during his stay in the property, we just need to schedule according to availability of dates and times. For any extra cleaning will be done the exchange of bed and bath linen. Price: R$ 60 (BRL)
Reservation confirmation:
To validate your reservation, we require the following information:
Passport or ID number
Phone number
E-mail address
Check-in time & Flight number (for plane arrivals)
Checkout time
Names of occupants
Reservation / rental cancelation and changing of booking dates/times
Security deposit:
Beside the amount of the rental fee, there is a separate charge for security deposit on each property.
Office times:
Monday/Friday – 8am to 7pm
Saturday/Sunday/Holidays – 9am to 4pm
Out of our office times we have a employee and a 24h emergency number.
Check-in / Check Out:
Out of our office times, the customer must inform the Agency about the exact arrival time at the apartment, since our employee will meet the customer at the apartment.
Before check-in / after check-out, customers are permitted to leave luggage during regular office hours.
Check-in time is at 14h (2pm)
Check-out time is at 11h (11am)
If the customers would like to schedule a different time and the apartment is still available (Important: Please check availability and confirm before the reservation), the following fees are will be charged:
Before 6h => previous day room rate + R$ 50,00 service tax;
6h01 to 13h59 => earlier check in = 50% of room rate;
After 22h00 onwards => R$ 50,00 service tax late (late check-in);
Before 6h => R$ 50,00 service tax (early check out);
11h00 to 22h00 => 50% room rate price;
22h01 => 50% room rate price + R$ 50,00 service tax (late check- out) ;
If the customer doesn't leave the apartment until 30 minutes after the pre-established contract time, there will be a charge of R$ 50,00 (fifty reais), if the customer leaves before 11h00. After 11h00 there will be a charge of a room rate price.
Property Inspection:
During the check-in and the check-out a company represent will come to the apartment in order to check it for any damages and return the security deposit to the customer. This process may take 15-30 minutes depending on the size of the apartment.
Use of the property
The rental purpose is exclusively for residential use. It is forbidden to rent the apartment to third persons. Any kind of commercial use is forbidden without previous written authorization by the agency.
Number of guests:
It is forbidden to exceed the indicated number of person. Children under 1 year of age are not calculated. Please check the allowed number of persons before renting the apartment.
Building rules:
The client is fully responsible for the property and all items in the property and building. The client and all apartment occupants and visitors must comply with the building regulations. Fines imposed by the building administration for infringing regulations must be paid immediately by the client and can cause premature termination of the rental contract without any refund. The agency is not responsible for death, loss, theft and damage of personal property.
Please verify before making a reservation, if the building accepts the entrance of visitors. Please advise us before making a reservation if visitors are requested and we will provide a suitable property.
Damages / Cleaning:
Any damage to the apartment inventory or cleaning defects must be reported immediately to the agency. If this does not happen within the first 12 hours after the check-in the agency has the right to charges the customer the damage amount.
If there will be any kind of damages or defects during the rental period, the customer has the obligation to report this to the agency immediately. We will try to resolve the problem as soon as possible. Without advising, we will not accept further reclamations.
It is important to know, that Brazil is a tropical country. In reason of that insects such as ants are unavoidable in some cases. The agency has no responsibility for any complaints in reason of insects.
Personal items:
The Agency is not responsible for any loss, theft or damage to personal items in or outside the property.
Pets are not allowed in our properties. In exceptional cases, upon prior written authorization by the Agency, the following terms are valid.
Just one pet is allowed. The customer assumes the whole responsibility for the complete cleaning and damages in the property. If the property is not completely cleaned before the check-out, a cleaning fee of R$ 250.00 will be charged.
The Agency has the right to increase the security deposit for these cases.
If the reserved property has an internet connection or cable TV, we assume no responsibility for connection problems and any resulting damages. This service is provided by telecommunication companies beyond our control: should there be any problems, there will be no refund of rental payments.
|Weekly rate
|Monthly rate
|Maximum nights
|3 months
|Check-in after
|Check-in before
|On arrangement
|Check-out before
|Cancellation Policy
The term "luxury" is really too generous for this apartment. The location is excellent, it's true, because the apartment is located in a green and quiet side road, about 5 min walk from Copacobana away.
The apartment is well renovated, the renovation is rather outdated, especially the walls need to be re-passed. The kitchen is, as pictured, very small and getting used to. Probably the biggest drawback to the apartment is the building itself - old, dirty, and thanks to the neighbors verstunken also.
The so-called ventilation shafts with cracked windows in the bathroom and in the kitchen provide for pets of any kind - especially for cockroaches, big and small. Well, the problem is well known for tropical countries and the agency may basically nothing for it. Just keep in mind - because cockroaches we had our apartment for 4 days change until the employees have all chased. But also a complete cleaning has only solved the problem temporarily, because then also what came. The good thing - for a day, we have also received compensation from Heidelberg.
So, overall for Brazil really good, there are only a few drawbacks, the smear the good impression. Because of the location I would recommend the apartment, everything else depends on the attitude / perception. The Agency gives Rio a total of 150 properties - should provide some points out in this apartment to be critical, you would have to opt for another apartment. In any case, this is better than to step into the relationship with local private landlords and cheaper than the hotel.
Die Bezeichnung "luxuriös" ist für diese Wohnung eigentlich zu großzügig. Die Lage ist hervorragend, das stimmt, denn die Wohnung ist in einer grünen und ruhigen Seitenstraße gelegen, ca. 5 min zu Fuß von Copacobana entfernt.
Die Wohnung ist gut renoviert, die Renovierung ist jedoch ziemlich veraltet, besonders die Wände müssen neu verstrichen werden. Die Küche ist, wie abgebildet, sehr klein und gewöhnungsbedürftig. Wohl das größte Manko bei der Wohnung ist das Gebäude an sich - alt, schmutzig und dank der Nachbarn auch verstunken.
Die sog. Lüftungsschachten mit eingerissenen Fenstern im Bad und in der Küche sorgen für Haustiere jeglicher Art - insbesondere für Kakerlaken, groß und klein. Gut, das Problem ist für tropische Länder allgemein bekannt und die Agentur kann im Grunde nichts dafür. Einfach nur im Hinterkopf behalten - wegen Kakerlacken mussten wir unser Appartment für 4 Tage wechseln, bis die Mitarbeiter alle verjagt haben. Aber auch eine komplette Reinigung hat das Problem nur zeitweilig behoben, denn danach kamen auch welche. Das gute daran - für einen Tag haben wir auch Kompensation von Heidelberg erhalten.
Also, insgesamt für Brasilien wirklich gut, es gibt bloß ein paar Mankos, die den guten Eindruck verschmieren. Wegen der Lage würde ich die Wohnung weiterempfehlen, alles Andere hängt von der Einstellung / Wahrnehmung ab. Die Agentur vermittelt Rio insgesamt um 150 Unterkünfte - sollten paar Punkte in dieser Wohnung sich als kritisch rausstellen, müsste man sich für eine andere Wohnung entscheiden. Auf jeden Fall ist das besser als mit lokalen Privatvermietern ins Verhältnis zu treten und billiger als im Hotel.
The host cancelled the booking, this review is automated.
Everything OK, no complaints.
Alles ok, keine Beanstandungen.
Best location but a bit too small for 3 man. Otherwise perfect.
Beste Lage aber das für 3 Mann ein wenig zu klein. Sonst perfekt .
Map cheap to stay in RIO (7 € per night and per person) to 200 m from the beach Cobacabanna.
As against a room is completely blind, an AC did not work, and the table and chairs in the dining room are unusable: they are made of MDF 10mm, it can take it if you put your buttocks and your butler used throughout the food ... but the butler is not provided in the price ...
By ignoring this, it's still a chance to sleep in the shelter on the roofs of RIO and not far from the beach for a reasonable budget.
Plan pas chère pour se loger à RIO (7€ par nuit et par personne) à 200 m de la plage de Cobacabanna.
Par contre une chambre est complètement aveugle, une clim ne fonctionnait pas, et la table et les chaises de la salle à manger sont inutilisables : elles sont en MDF de 10mm, ça peut tenir si vous posez vos fesses dessus et qu'un majordome vous sert tout au long du repas... mais le majordome n'est pas prévu dans le tarif...
En passant outre cela, c'est quand même une possibilité de dormir à l'abri, sur les toits de RIO et pas loin de la plage pour un budget raisonnable.
Very good location, safe environment. Good information from the Agetur. gladly again!
Sehr gute Lage, sichere Umgebung. Gute Informationen von der Agetur. Gerne wieder!
Perfect place!
Everything organized super professional. Nice and very helpful stuff + perfect location - just 3 mins from Copacabana, 2 supermarkets just around the corner. Restaurant just next to the entrance. Recommended to anyone.
the security guy was not very friendly but that the only minus I can think about and nothing too serious.
We have stayed there 4 boys (friend trip).
The small apartment is ideally a few steps from Copacabana Beach, an ideal way to experience the World Cup atmosphere. It was clean, absolutely ok for three people. Alessandro and Arthur were very nice and helpful. However, the equipment was in deficit, no cups, no bowls, no coffee. Suellen has promised me by e-mail to bring cups and a pillow, the request was not fulfilled. Apart from this, but we were satisfied.
Das kleine Appartment liegt optimal wenige Schritte von der Copacabana entfernt, ideal, um das WM-Ambiente mitzuerleben. Es war sauber, für drei Personen absolut ok. Alessandro und Arthur waren sehr nett und hilfsbereit. Die Ausstattung aber war defizitär, keine Tassen, keine Schüsseln, keine Kaffeemaschine. Suellen hat mir per Mail zugesagt, Tassen und ein Kopfkissen zu bringen, die Bitte wurde aber nicht erfüllt. Abgesehen davon waren wir aber zufrieden.
Too small for two people! Too noisy!
Very noisy - the situation is good.
- Quality assured accommodation
- Every host is verified by telephone
- Secure payment via SSL encryption


text:
Jon Speelman's Best Games
Improve Your Chess by Studying the Games of a Two-Time Candidate for the World Chess ChampionshipProduct Code: B0073BT
Publisher: International Chess Enterprises
Author: Jon Speelman
Year of Publication: 1997
Pages: 240
Notation Type: Figurine (FAN)
Book DescriptionImprove your chess by studying the games of a two-time candidate for the World Championship and three-time British champion. Jon Speelman annotates the best of his games in this collection, and includes games and stories from his World Championship campaigns, Chess Olympiads, and top-level grandmaster tournaments, including the World Cup. He is renown as a great fighter and analyst, and a highly original player.
Media Mail Eligible
Media Mail® shipping from the US Postal Service is the cost-effective way to ship Books, Software and DVDs. With shipping rates starting at only 4.00, it's the most affordable shipping method available.


text:
Myrtle Moe, 88, of Madison, died Sunday, Nov. 11, 2012, at Madison Lutheran Home. Memorial services were held at 2 p.m., Thursday, Nov. 15, at Faith Lutheran Church in Madison, with the Rev. Kirk Meseck officiating. Burial will be at the church cemetery.
Zahrbock Funeral Home, of Madison, was in charge of the funeral arrangements.
Location, ST | website.com


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PTS Catalogue
Dear Student;
The "Financial Aid Handbook" has been designed to assist you in planning your finances for your Seminary program. You will find the information divided into sections according to topic. Please review this booklet carefully since it provides details about our financial aid programs as well as our policies and procedures.
It is our hope that the "Handbook" will answer many of your questions. However, since each student's financial situation is unique, you are invited to discuss your financial concerns with us at any point during the year. Please feel free to contact us via the Seminary's toll-free phone number at (800) 622-6767 extension 7805. We look forward to assisting you as you consider the affordability of a seminary education.
Matthew SpinaDirector, Admissions and Financial Aid
Princeton Theological Seminary grant, scholarship, fellowship, and loan assistance is only offered to full-time students enrolled in an eligible degree program at the Seminary. Students must reapply annually for need-based financial aid.
The financial aid program at Princeton Theological Seminary exists to help students finance their educational preparation for ministry. To this end, the Seminary provides financial aid through the programs outlined in this handbook and offers access to federally-funded student aid programs to eligible students regardless of race, national or ethnic origin, age, sex, handicap, or denominational affiliation.
The design and implementation of the PTS financial aid program affirms the integrity and financial responsibility of both the student and the Seminary. In administering this program, the Seminary will respect the dignity and confidentiality of students who apply for financial aid.
The Seminary makes every reasonable effort to minimize tuition and fee charges, without sacrificing the high quality of its academic programs or student services, and strives to raise funds for operating costs and student scholarships.
Students are primarily responsible for financing their cost of attendance at PTS. Students seeking financial assistance must make every reasonable effort to adjust their lifestyles and spending practices to minimize their expenses while attending Seminary. In this way they will be reduce their reliance on student loans. Students are also encouraged to undertake remunerative work, expend a portion of any savings or assets they may have, and pursue other support from sources such as parents, family, friends, home congregations, denominations, and other ecclesiastical judicatories, and founds or corporate grants and loans.
The financial aid program at PTS is designed to assist students in their effort to fund their program of studies. We work with each applicant to assist them in their application for aid. We ask that applicants complete all aid applications as completely and truthfully as possible. This will help us assist you.
The Seminary will also assist eligible students to secure Title IV Federal student financial aid in accordance with the laws and regulations governing the Federal Perkins Loan, Federal Direct Loan, and Federal Work Study programs.
When considering a student's eligibility for need-based PTS grant aid, the Seminary will use the data supplied on the PTS Student Financial Aid Application and Addendum in conjunction with our institutional methodology to determine each student's financial eligibility for need-based PTS grant funds.
To distribute financial aid equitably, the Seminary will consider each student's need and allowable expenses in conjunction with other variables such as degree program, enrollment status, availability of funds, academic progress, and an individual's extenuating circumstances when determining his/her eligibility for aid.
The total amount of need-based financial aid offered will not exceed the amount of the student's calculated need. Calculated need is the difference between the total cost of attendance while enrolled at the Seminary and the amount of calculated resources available to the student.
In addition to financial aid programs listed in this handbook, the Seminary awards a number of prizes, scholarships, and fellowships which are not processed through the Office of Admissions and Financial Aid. The Seminary Catalogue should be consulted for more information.
Students are also encouraged to obtain a copy of the "Guide to Outside Resources" published by PTS. This publication is available in our office. The "Guide" is also available on our web site. Students have been very successful in obtaining scholarships, grants and low-interest loans from the institutions and agencies identified in this publication. Students may also find additional scholarship information on the bulletin board located on the third floor of Templeton Hall.
This figure is determined each academic year by calculating a student's amount of savings and other assets, incorporating a retirement allowance, and multiplying the remaining total by a percentage which is based on the number of academic years left in the degree program. The resulting figure is used in determining the student's expected contribution from savings and liquid assets. (Note: Home equity is not considered when there is still an outstanding mortgage on the home.)
All students are expected to work full-time during the Summer, unless enrolled in Summer courses or Clinical Pastoral Education (CPE). For the 2012-2013 academic year, single students are expected to save $2,600 from Summer employment, and married students are expected to save $5,200.
Students who are working towards their first professional theological degree are normally expected to limit their work to no more than 20 hours per week. However, keep in mind that working during the school year reduces a student's need to borrow. We encourage all students to work part-time to meet their expenses and decrease their reliance on loans.
A spouse is expected to support the student's academic program by working during the Summer and academic year. For the 2012-2013 academic year, a spouse is expected to earn at least $26,000 per year. This salary expectation is below the average minimum starting salary in the Princeton area.
All students are urged to seek financial assistance through their home church or judicatory as early as possible. Many students have received significant support from established church programs.
Students are also expected to seek support through outside foundations which offer financial assistance to students pursuing a theological education. Receipt of external scholarships/ grants will help in reducing students' reliance on loans to finance their education.
The annual tuition charge for full-time students for the 2011-2012 "regular" academic year (fall and spring semesters) will be $11,000, billable at $5,500 per semester. For this fee a student will be allowed a minimum of 9 and a maximum of 15 credits in both the fall and spring semesters. Credits in excess of 15 (which require prior approval as detailed in the Student Handbook, Academic Requirements, Section 1.1) in either fall or spring will constitute "overload credits" and will be billed at $600 each. Students can also take up to 6 credits in the summer without incurring overload charges or increasing their out-of pocket tuition cost, provided certain enrollment thresholds are maintained during the ensuing fall and spring terms.
All part-time and summer school students will be billed $460 per credit.
NOTE: The Seminary requires the above degree candidates to be full-time students for 6 full-time semesters, 8 in the case of the Dual Degree Program, exclusive of any internships.
Explanation of Financial Aid Under the New Billing Process:
A student receiving financial aid covering full tuition will receive Seminary aid sufficient to offset $5,500 in each of the fall and spring semesters plus up to $2,760 in the summer (6 credits @ $460). Charges for credits over 15 in the fall and spring semesters and over 6 in summer are defined as "overload credits" and are not eligible to be offset by any PTS financial aid.
A student receiving partial financial aid will receive Seminary aid in each of the fall and spring semesters based on the percentage represented by his or her financial aid award for the "regular" academic year divided by the total "regular" tuition for that year. Fall and spring aid will each equal said percentage times $5,500 and summer aid will be said percentage times the charge for credits taken (up to the maximum of $2,760). Charges for "overload credits" will be billed (and are payable out-of-pocket) at $600 per credit and will not qualify for any PTS financial aid or discounts as described below.
A student will be eligible to earn a "discount" equivalent to his/her out-of-pocket summer tuition related to the 6 "allowable" credits, provided he or she remains a full-time student carrying at least 9 credits during the ensuing academic year. One half of the discount would be earned and credited to his or her account by maintaining full-time status during the fall semester and the other half by maintaining full-time status during the spring semester.
A student receiving no financial aid will be eligible to earn a "discount" of actual cash paid for summer tuition as described above.
For additional information regarding how tuition is billed when summer classes are included, please contact the Business Office.
Note: It is important to remember that financial aid is awarded to full-time students only.
STUDENT SAMPLE 9-MONTH EXPENSE BUDGETS 2013-2014 (all costs subject to change)SINGLE STUDENTS WITHOUT DEPENDENTS
Room and Board (10 mo.)
21 meal plan
15 meal plan
1 bedroom
2 bedroom (shared)
**rates subject to change
STUDENT SAMPLE 9-MONTH EXPENSE BUDGETS 2013-2014 (all costs subject to change)SINGLE STUDENTS WITH DEPENDENTS
Annual Rent** CRW
**rates subject to change
Married1 Bedrooms
Annual Rent** - CRW
Our financial aid programs are comprised of need-based grants, loans, scholarships, and fellowships which are offered to eligible full-time degree students. These funds are made available in order to assist students in financing their educational preparation for ministry, to foster scholarship, and to ensure that a PTS education is affordable.
To be considered for both institutional and federal aid, a student must complete the 2012-13 Free Application for Federal Student Aid (at www.fafsa.ed.gov) , the PTS institutional financial aid application and submit a copy of their 2011 federal income tax return.
All full-time Seminary students pursuing their first M.Div., M.Div./M.A., and M.A. degree may apply for need-based financial aid offered by the Seminary. Institutional aid recipients are required to maintain full-time enrollment status and be maintaining Satisfactory Academic Progress as defined in the Seminary Handbook.
PTS Grant - This need-based grant is awarded to full-time students in our M.Div, M.A and M.Div/MA programs. Our 2012-13 award levels for entering students are listed below. Eligible Presbyterian Church(USA) students may receive PTS grant aid to cover 100% of their evaluated need up to the cost of full tuition plus $250.
Eligible students who are not members of a PC(USA) church may receive a maximum award of 80% of the cost of tuition based on their calculated need.
To qualify for a need-based PTS Grant you must:
A first professional degree student may be eligible for PTS grant assistance for a maximum of three years for the M.Div., two years for the M.A., and four years for the M.Div/MA.
To apply for need-based aid you must:
The Student Financial Aid Application is ordinarily completed with the application for admission. Financial Aid forms can also be downloaded directly, or obtained by writing or emailing the Office of Admissions and Financial Aid.
Exceptional Financial Need Grant - This need-based PTS grant program is designed to provide additional grant aid to students who currently owe over $20,000 in federal student loans. This program is designed to help students who help themselves, and requires recipients to work and raise funding from outside sources in order to reduce their dependency on student loans. The EFN Grant is currently available to M.Div., M.A., and M.Div./M.A. students. For 2012-13, award maximums are $2,000 for students who are single or married without dependents and $4,000 for students with dependents.
PTS Presbyterian Student Loan Program - The Seminary offers eligible PC(USA) students a low interest loan that has the potential to be forgiven if the recipient serves as an ordained minister in the PC(USA). Only full-time M.Div. and M.Div./M.A. students who demonstrate need in excess of our maximum PTS grant may qualify for this loan program. Award maximums for this forgivable loan program are currently $4,000 for the 2012-13 school year. For more information, please consult a member of the PTS Student Financial Aid staff.
Presbyterian Leadership Award - Each year, a few entering students are selected by the Admissions committee to receive the Presbyterian Leadership Award. Beginning with students admitted for fall 2011, the PLA covers the student's full tuition $3,500. This scholarship will be offered to a limited number of entering M.Div and M.Div/MA students who have demonstrated a high level of academic achievement and are outstanding candidates for pastoral ministry in the Presbyterian Church (U.S.A.).
Seminary Fellowship - Each year, a few entering students are selected by the Admissions committee to receive the Seminary Fellowship. Beginning with students admitted for fall 2011, the Seminary Fellowship covers the student's full tuition plus $1,000 for the academic year. Seminary Fellowships will be awarded to entering M.Div and M.Div/MA students on the basis of outstanding academic achievement and demonstrated commitment to the life and mission of the church.
Leadership Award- Subject to budgetary availability, up to four entering students per year from its M.Div and M.Div/MA candidates may be awarded the PTS Leadership Award. The value of this merit-based scholarship is $11,000 for the academic year. Students selected for this award will have demonstrated the highest level of academic achievement and outstanding leadership in and commitment to the life and mission of the church.
Notification of merit-based awards are gennerally made after the March 1st deadline. Candidates for these three renewable merit-based awards are selected through the admissions process. No separate application is required. Awards will be renewed for those recipients who continue to maintain a high level of academic achievement while at PTS.
Federal student loans and federal work-study assistance are also available to assist Th.M students in meeting their expenses while enrolled in the Th.M program.
Questions about these Princeton Seminary aid programs should be directed to the office of admissions and financial aid at 800-622-6767 ext.7805 or by email.
This is a need-based aid award for Presbyterian Church (U.S.A.) students. There are two awards (Racial Ethnic Supplemental Grant and Native American Supplemental Grant) that may be made to qualifying Presbyterian Grant recipients who have remaining need.
Eligible students for Presbyterian Study Grant are:
The range of awards is $1,000 to $4,000. Applications are available on the PCUSA website after March 1 for the next academic year.
Point of Contact:Laura Bryan, Program Assistant for Student Loans and Graduate Grant ProgramsEmailPhone: 888-728-7228, x5735
Students must complete and submit the following items to be considered for PTS Grant Aid (for 2012-13):
If you are a dependent student based on the following definition, you must complete a separate parental data form. A student is considered dependent if he/she continues to be claimed by parents as a dependent for Federal Income Tax purposes. Students who were or will be claimed by their parents as dependents on their 2011 Federal Income Tax Return but will not be claimed for 2012, may be considered independent for 2012-13 if their parents complete a document from our office to verify that:
When we receive your Student Financial Aid Application, FAFSA, and copy of your 2011 Federal Income Tax Return, we will have the core data needed to consider your request for funds.
After the PTS Grant determination is made, the student's remaining measured need is normally made up through campus employment, church/outside scholarship aid, or through one or more of the loan programs. A consultation with a member of our office is strongly recommended to ascertain appropriate loan sources and limits, additional work opportunities, and/or ways in which expenses might be reduced.
Financial aid applications for incoming students are processed on a rolling basis as materials are received. Returning students must have their financial aid materials turned in by April 30th. There is no guarantee that grant funds will be available for late applicants. Timely application enhances your ability to plan finances for the upcoming school year.
An award letter indicating the results of our review of each financial aid application and the amount of Seminary aid being reserved to help meet projected need will be sent after processing of each award.
Individual student's financial information is reviewed only by the Director and Associate Director of Admissions and Financial Aid and the office assistant. Access to student files is limited to the office staff. Information will be shared only with other Seminary administrators as appropriate to their professional responsibilities and established need-to-know procedures. Information will not be released to any other source without written authorization from the student.
The Seminary participates in three federal financial aid programs: the Federal Direct Loan, Federal Perkins Loan, and Federal Work Study. These TITLE IV Federal Aid Programs can be used to meet matriculated students' unmet financial need for the academic terms in which they are enrolled.
Due to the financial circumstances that most Seminary students face upon completion of their program, we recommend that a student's borrowing be kept to a minimum. Loans should be considered as a last resort. Students who think they need to borrow after exhausting all other alternatives should contact a member of the financial aid office staff to discuss loan options and their implications.
Starting in the 2012-2013 academic year, students will be able to borrow up to $20,500 in Unsubsidized Federal Direct Loans each year. As of 2012, the federal government is no longer providing Subsidized Federal Direct Loans so only the Unsubsidized Federal Direct Loan will be available. Matriculated PTS students enrolled at least half-time may apply for this loan. Direct Loans are made directly by the U.S. federal government and are originated through the Office of Admissions and Financial Aid.
The interest rate for Federal Direct Loans borrowed is fixed at 6.8%. Students will have to pay a small origination fee of 0.5% to process a Federal Direct Loan. There is a six month grace period following the student borrower's last date of at least half-time attendance before payment is due. After the grace period, loan repayment begins on a monthly basis. With the Unsubsidized Loan, interest accrues while the student is still in school and during other grace and deferment periods.
Federal Direct Loans are usually processed in two installments, at or near the start of each semester. PTS students who borrow through this program are required to have an Entrance Interview prior to their first loan disbursement. This entrance interview can be done online at www.dl.ed.gov. Students will also need to complete an exit interview before graduating from PTS.
The Federal Perkins Loan is another need-based federally funded student loan. PTS students who are enrolled in a degree program and demonstrate a high degree of need may be considered for this campus-based federal loan. In this program, the Federal Government provides the Seminary with funds to lend to its neediest students. The Seminary is required to match the government funding from its own funds and with collections from former students who are in repayment. This gives PTS the amount it can spend in any given academic year. Award amounts are based on these factors and can vary from year to year.
The interest rate for the Perkins Loan is currently five percent. No interest accrues while the student is enrolled at least half-time. Student borrowers are entitled to a nine-month grace period after they cease to be enrolled on at least a half-time basis. Repayment then begins. A borrower has up to 10 years to repay their loan obligation. Perkins Loan funds are normally disbursed in two installments (one-half each semester). Recipients must sign the Promissory Note and Truth-In-Lending Statement each semester. The disbursement will then be made to the student's account. If a credit balance is created by the receipt of these funds, a refund will be issued to the student normally within five working days.
Each year the Federal Government awards the Seminary matching funds used to fill Federal Work Study placements with needy students. Eligible students who wish to be considered for a FWS funded position should contact our office to obtain an application and review available job opportunities. FWS timesheets are submitted bi-monthly and must be signed by both the student and supervisor in accordance with student assignment arrangements.
All TITLE IV aid programs require that the student submit the following forms to the Office of Admissions and Financial Aid.
A Free Application for Federal Student Aid (FAFSA) must be completed and sent to the Federal Processor. From this form, a Student Aid Report will be generated and sent directly to the student. If it is a valid Report, the Office of Admissions and Financial Aid will receive a copy directly from the Federal Processor. If the Report is flagged as invalid, the student may have to send it back for correction before being considered for federal aid. A TITLE IV Federal Aid recipient must also maintain at least half-time student status and Satisfactory Academic Progress, as defined in the Seminary handbook.
A student's Free Application for Federal Student Aid may be selected for a random review either by the Federal Processor or by the Director of Admissions and Financial Aid for "Verification."
If a student is selected, he/she will have to provide the following.
The deadline for completing the verification process will be noted on the carbon copy follow-up letter sent to the student. This notice will inform the student of the verification requirement and will include the Verification Worksheet to be completed and returned to the Office of Admissions and Financial Aid. Federal aid will NOT be awarded until this process is complete.
It is the responsibility of the Office of Admissions and Financial Aid to resolve any conflicting financial information in a student's financial aid file before federal aid is awarded. If conflicting information is received after a federal aid award is processed, the conflict must be resolved, and the student will be notified if eligibility for federal aid is altered.
In the event that requests exceed available funds, the Seminary will give preference in the awarding of the Federal Perkins Loan and Federal Work Study employment to those individuals with the greatest financial need on a first-come, first-served basis.
For students who do not complete an enrollment period for which they were charged and have received Federal Title IV aid, the following will occur:
Charges for tuition, fees, room and board are due and payable on or before the first day of each semester. Payment may be made by mail or in person at the bursar's window in the Administration Building.
A handling charge of $10.00 will be assessed for any check payment returned for insufficient funds. Should any subsequent check be returned for lack of funds, the Seminary will expect cash or a cashier's check as payment.
The special arrangement with Princeton University for the use of the McCosh Infirmary and Firestone Library is possible through responsible attention to bills incurred by Seminary students. In order to assure continued cooperation, the Seminary will settle such accounts not paid within 60 days and will apply such charges to the student's account with the Seminary.
A student's preliminary registration for a new semester will be canceled unless the Registrar receives certification from the Business Office that all accounts for earlier semesters have been satisfied.
Students who wish to pay all or any portion of their tuition and other charges on an installment basis may take advantage of the Tuition Installment Plan (TIP) made available through Sallie Mae. Under this interest free plan, tuition, room, board, fees, or Seminary rent may be paid in nine monthly installments. There is a $55.00 fee for each enrollment period (academic year) to cover administrative costs.
A plan brochure, which includes an application, may be obtained from the Bursar (Phone: 609-497-7704).
If (a) a student withdraws from the Seminary while a semester is in progress, having secured the approval of the Dean of Student Affairs for the withdrawal, or (b) a part-time student reduces his or her academic load after the first day of classes of a semester, having notified the Registrar, charges for the discontinued classes, and for room and board before withdrawal, will be assessed as follows:
No portion of any fee is refunded. If the withdrawal is without the approval of the Dean of Student Affairs, the student is liable for the full semester's tuition.
Final acceptance of a student's registration for a new semester shall be contingent upon the payment of all accounts from previous semesters. Additionally, no degree will be awarded or transcripts issued unless the student has met all financial obligations to the Seminary.
All charges are due and payable prior to the first day of each summer session. Students who withdraw from a summer session after classes have begun are still responsible for tuition charges. If withdrawal occurs before the beginning of classes, a fee of $110 will be assessed.
This policy may be found on page 175 of the Seminary Catalogue. In addition, Federal Aid recipients should note the examples on page 20 that illustrate the amount of refunds for students withdrawing at the 50% point of the semester.
There are many on- and off-campus employment opportunities available for PTS students. Applicants are encouraged to apply for Federal Work Study funding as a way to pay for their living expenses during the school year. The Office of Admissions and Financial Aid also maintains a bulletin board of job opportunities for Seminary students and their families. This board is located directly outside of our office on the third floor of Templeton Hall.
Students must apply directly to the PTS department where they wish to be employed. It is the student's responsibility to contact the Supervisor, arrange an interview, and complete all hiring requirements with the Office of Admissions and Financial Aid and the Payroll Office. The Department Supervisor will make the decision regarding hire. Federal Work Study students may look through the book of job opportunities in our office.
If a student's spouse wishes to work on campus, he/she must apply through the PTS Personnel Office.
At the time of hire, all students are required to complete a Federal I-9 Form and W-4 Tax Form as well as present the appropriate identification to the Office of Admissions and Financial Aid.
More information regarding this process will be given to each new hire by the Department.
Our office also publishes the "Student and Spouse Employment Guide" annually. This publication lists different job opportunities available in the surrounding areas.
This is a measure of the academic work to be accomplished by the student. The school defines its own academic year, but federal law and regulations set minimum standards for the purpose of determining student financial assistance awards. For instance, the academic year at a term school must be at least two semesters, two trimesters, or three quarters and include at least 30 weeks of instructional time. Unlike the award year, an academic year does not have to begin and end at the same time for all students.
The adding of interest to a loan amount. For some loans, interest charges begin to add up as soon as the loan is made, increasing the total due.
The award year begins on July 1st of one year, and extends to June 30 of the next year. Funding for campus-based programs (at PTS this includes Federal Perkins Loans and Federal Work Study funding) is provided on the basis of the award year, thus a student is paid out of funds designated for a particular award year, such as the 2011-2012 award year or the 2012-2013 award year.
A legal way to seek relief from creditors. Bankruptcy must be filed for in court and has serious long-term financial implications for a person's credit history. In bankruptcy proceedings, student loans less than five years old can be challenged by the lender.
The Federal Perkins Loan and Federal Work Study programs are called "campus-based" because the funds are administered directly by the Office of Admissions and Financial Aid, which awards these funds to students using Federal guidelines.
When a lender accrues interest before the borrower goes into repayment, then adds that amount to the principal. Sometimes also called "compounding." Capitalizing increases the total to be repaid and the size of the minimum monthly payment. Students can avoid capitalizing interest by paying the accrued interest. Lenders may capitalize no more often than quarterly; the more frequently interest is capitalized, the greater it becomes.
Combining two or more loans into one new loan that has a longer repayment term and a single monthly payment that is smaller than the sum of previous monthly payments. By consolidating eligible federal student loans and extending the repayment term (up to 30 years, depending on the total loan amount), repayment can be easier. Note that while this may ease the borrower's cash flow, consolidation can add significantly to the amount of overall interest that is paid over time.
The student's cost of attendance includes not only tuition and fees, but also the student's living expenses while attending school. The cost of attendance is estimated by the Seminary, within guidelines established by federal law. The cost of attendance is compared to the student's expected family contribution to determine the student's need for aid.
A borrower's failure to repay a loan according to the terms agreed upon when the promissory note was signed. Default can also occur when a borrower fails to submit requests for deferment or cancellation and is generally referred to as a "technical default." When a borrower defaults on a federal student loan, the school, the organization holding the loan, the guaranty agency, and the federal government can all take action to recover the money. A borrower is considered to be "in default" when payments are 180 or more days overdue and no satisfactory arrangements for deferment or forbearance have been made. Assets, including Internal Revenue Service (IRS) refunds, may be seized and the borrower's credit record or history is negatively affected. Student loan borrowers cannot get out of default until they pay back their loan in full, sign new loan agreements, or reschedule their debt. They are also ineligible for additional federal student aid, including grants and loans.
An authorized period of time during which a student loan borrower may postpone making payments on the principal or the principal plus interest. Borrowers must file deferment forms with their lenders and be approved. Deferments are available if borrowers are: enrolled in school at least half-time, enrolled in a graduate fellowship program or rehabilitation training program, disabled, serving in the military or the Peace Corps, volunteering full-time for a not-for-profit organization, teaching full-time in a teacher-shortage area, unemployed, or experiencing demonstrated economic hardship. The federal government makes interest payments on Subsidized Federal Stafford Loans during deferment periods.
When a borrower is late making a payment (i.e., pays after the due date). Late fees can be charged when borrowers are delinquent. After 180 days of delinquency, a student loan borrower is considered to be "in default."
For purposes of determining eligibility and need, students are determined to be either dependent or independent of parental financial support. Independent students are sometimes also called "self-supporting." For federal student aid programs, dependency status is determined according to federally established guidelines. For purposes of awarding their own funds, some colleges and universities may have stricter definitions of independence.
The release of loan funds by a lender to a borrower. Disbursements for most student loans are made in equal multiple installments, and are usually co-payable to the borrower and the school. Checks are mailed to the institution for delivery to the students. In some cases, disbursements are made by electronic funds transfer (EFT) instead.
Used by lenders to wire funds for Stafford Loans directly to the Seminary without requiring an intermediate check for the student to endorse. Since the money is transferred electronically, it is made available to the student sooner.
Counseling sessions that borrowers are required to participate in before receiving their first federal loan disbursement and prior to leaving the Seminary.
For the Federal Family Education Loan (FFELP) Programs, the amount of student financial aid the student can expect from federal, state, school, or other sources, including grants, loans, or need-based work programs. The school must report this estimate when certifying a FFELP loan application.
The amount that the student's family is expected to contribute towards the cost of attendance. This figure is derived from the family's base year income and assets. The EFC is used to award aid for campus-based programs and Federal Stafford Loan funds.
The Federal Family Education Loan Program (FFELP) was formerly known as the Guaranteed Student Loan (GSL) Program. The FFELP program includes Federal Stafford Loans , Federal PLUS Loans, and Federal Consolidation Loans. Funds for these programs are provided by private lenders and the loans are guaranteed by the federal government.
Program providing students with part-time employment during the school year. The federal government pays a portion of the student's salary, making it less expensive for departments to hire the student. Eligibility for FWS is based on need.
A notice describing what aid is being awarded and what conditions the recipient must meet or continue to meet to maintain eligibility for the assistance.
A combination of aid from several sources and/or of several types. Typically a student receives a package that includes both gift aid and self-help aid, some public and some private.
The difference between what it costs to attend a particular school and the amount that a student and his/her family can afford to pay towards those expenses. Sometimes also called "demonstrated financial need." The amount that an applicant can be expected to contribute is measured according to standardized formulas. A student is generally eligible for aid equal to the amount of his or her financial need, although an institution does not always have sufficient funds to meet the full need.
An authorized period of time during which the lender agrees to temporarily postpone a borrower's total loan repayment obligation. At the borrower's request, an extension of time or smaller monthly payments may be authorized. Forbearance is granted at the lender's discretion when a borrower demonstrates good intentions of repaying but is temporarily unable to do so. A borrower must request forbearance from the lender. Forbearance does not alter the repayment status of the loan and interest continues to accrue.
The application filled out by the student that collects household and financial information to be used to calculate the expected family contribution. Completion of the FAFSA is required of all federal student aid applicants.
A specified period of time after a student leaves school or drops below half-time status during which he or she is not required to make payments on either principal or interest. The grace period is typically six to nine months, depending on the type of loan. The Federal Subsidized Stafford Loan, for example, has a six-month grace period.
A state, regional, or national organization that acts as an agent for the federal government in the administration and insurance of FFELP loans made by private lenders. Also called "guarantee agency" or "guaranty agency."
A small premium deducted from the loan proceeds prior to disbursement and paid to the guarantor. Also known as an "insurance fee."
The process of analyzing the household and financial information on the student's financial aid application and calculating the amount the family can be expected to contribute to educational costs. For the federal student assistance programs, the need analysis system is defined by law and results in a number known as the "Expected Family Contribution".
A small fee charged by the federal government and deducted from the proceeds of a loan before disbursement. This fee partially offsets the administrative costs of the FFELP and FDSLP.
The Federal Perkins Loan has one of the lowest interest rates and is awarded by the Director of Admissions and Financial Aid to students with exceptional financial need. Students may borrow up to $5,000 per year. The interest on the Perkins Loan is subsidized while the student is in school and during the six months following graduation.
The original amount borrowed. Origination and guaranty fees are deducted from this amount before disbursement, and interest is computed as a percentage of principal. If a student borrows $2,500 a year for three years of Seminary, the principal is $7,500. The borrower pays interest on the outstanding (or remaining) principal each month until the entire loan is paid off.
The method for determining the student's need for federal student aid is defined in the law. The law does, however, give the financial aid administrator the flexibility to make individual adjustments based on the administrator's professional judgement. Professional judgement can be used in three areas. The aid administrator can choose to override the student's dependency status to make the student independent (undergraduate only), can adjust the components of the student's cost of attendance, and can adjust the data elements used to calculate the student's Expected Family Contribution. These adjustments must be made on a case-by-case basis, and the reasons for the adjustment must be documented in the student's file.
An application that simplifies the process of reapplying for federal aid. Students that completed the previous year's FAFSA are mailed a Pin # which allows them to access a Renewal FAFSA application for the upcoming school year on the Internet at www.fafsa.ed.gov. Resources
Other student aid that must be taken into account to prevent an overaward in the campus-based programs, as defined in the regulations for the campus-based programs.
The federal "output document" printed by a FAFSA processor and mailed to the student. The SAR contains the family's financial and other information reported by the student on the financial aid application. The student's eligibility for aid is indicated by the EFC printed on the front of the SAR. Schools that participate in the Electronic Data Exchange and other services offered by the U.S. Department of Education receive the information provided by the Department of Education on the SAR through these services.
William D. Ford Federal Direct Loan
Starting in the 2012-2013 academic year, students will be able to borrow up to $20,500 in Unsubsidized Federal Direct Loans each year, according to need. As of 2012, the federal government is no longer providing Subsidized Federal Direct Loans so only the Unsubsidized Federal Direct Loan will be available. Matriculated PTS students enrolled at least half-time may apply for this loan. Direct Loans are made directly by the U.S. federal government and are originated through the Office of Admissions and Financial Aid.The interest rate for Federal Direct Loans borrowed after July 1, 2006 is fixed at 6.8%. Students will have to pay a small origination fee of 0.5% to process a Federal Direct Loan. There is a six month grace period following the student borrower's last date of at least half-time attendance before payment is due. After the grace period, loan repayment begins on a monthly basis. With the Unsubsidized Loan, interest accrues while the student is still in school and during other grace and deferment periods. Federal Direct Loans are usually processed in two installments, at or near the start of each semester. PTS students who borrow through this program are required to have an Entrance Interview with the Office of Admissions and Financial Aid prior to their first loan disbursement. This entrance interview can be done in person, or online at www.dl.ed.gov. Students will also need to complete an exit interview before graduating from PTS.
A procedure whereby the Seminary checks the information the student reported on the FAFSA, usually by requesting a copy of the student's previous year's tax return, and if applicable, the student's spouse. In addition, the Seminary must verify students selected through the federal central processing system, following the procedures established by regulation. The FAFSA processor will print an asterisk next to the EFC (on the Student Aid Report) to identify students who have been selected for verification.
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