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- Report: #495248
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Complaint Review: Cybertania,Inc. - myfreepaysite - Wpi Ifriends Internet
Cybertania,Inc. - myfreepaysite - Wpi Ifriends Internethttp://apps7.ifriends.net/~wsapi/ifBrowse.dll?type=L&filter=n Internet United States of America
Cybertania,Inc. - myfreepaysite - Wpi Ifriends Internet WPI*IFRIEND1-GR ELITE 561-656-0500 RIPPOFF credit card fraud as always! Internet
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Hey I have the same problem like every body else,paying for something,I havent orderd.Is there any way to get out off it? Would it help to change creditcard?
This report was posted on Ripoff Report on 09/15/2009 01:21 PM and is a permanent record located here: http://www.ripoffreport.com/r/CybertaniaInc-myfreepaysite-Wpi-Ifriends-Internet/internet/CybertaniaInc-myfreepaysite-Wpi-Ifriends-Internet-WPIIFRIEND1-GR-ELITE-561-656-05-495248. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Social landlord launches credit union
Published by Anonymous for 24dash.com in Housing and also in Finance
A social landlord is set to launch a new credit union for its tenants.
Bracknell Forest Homes' savings scheme will offer lower cost loans and special free jam jar accounts to help residents manage their monthly budgets.
Linda Wells, BFH's housing and community services director, said: "The credit union is a safe and secure option for managing monthly finances. We hope that many residents will find the service very useful to manage their priority bills such as rent."
BFH has pledged to pay the £5 credit union membership for jam jar accounts for its own tenants.
Opinion: The value of volunteers
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Alyssa is 16. Her brother, Jordan is 11. Since they were born, their mother says they've only seen Dr. Ellen McCormick, a pediatrician who recently retired after 20 years of practice in Canon City.
Tiffany Thomas says she visited the doctor's office in late May to try and retrieve their medical records, but no one was there and her phone calls yielded no answers.
Tiffany told us, "They've had some surgeries and things like that in the past and it's just nice for the new doctor to know."
We did a little digging and learned Tiffany just needed to mail a request to this Brighton, Colorado address to get two and a half years of medical records for both children, But Tiffany wanted more than that.
She explained, "There's a lot of history in a child's life that is important, I feel, for new doctors to know what's going on with these kids as they see them and take them on."
I tracked down the doctor's office manager and learned that Tiffany and other patients can get more than 2 1/2 years worth of records.
They just need to specify that when they mail in this form. The doctor has 2 1/2 years worth available electronically, but copies can be made of older, handwritten records.
The best way to protect yourself is get a copy of each visit while you're there at the doctor's office and keep it in a file at home.
We learned Colorado has specific guidelines when it comes to releasing medical records.
Doctors are supposed to keep them for at least seven years after you were last treated or seven years after you turn 18. They're also supposed to copy them at a reasonable price.


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Definition of -ferous in English:
(usually -iferous)
Having, bearing, or containing (a specified thing): Carboniferous pestiferous
From French -fère or Latin -fer 'producing', from ferre 'to bear'.
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|Chara: Bruins need to do 'everything' better Sunday
|02.11.11 at 10:19 pm ET
It isn't surprising that after the 6-1 beatdown the B's took from the Red Wings on Friday, they're expecting a little more on Sunday when they face Detroit for the second time in three days. Coach Claude Julien understandably didn't like what he saw from his team, as the Bruins came out flat against a highly skilled Detroit club with great puck-moving ability, and the Wings dominated throughout the night as a result.
"We weren't skating tonight. We were second on the puck. Even when they had the puck, I just felt they had lots of time to make plays," Julien said, adding, "it just seemed that nothing was going to go our way."
The game left Julien looking to see what type of effort the B's can give against the Red Wings Sunday in Detroit. The Bruins have won four of their last six games, but it's games against top teams like the Red Wings (second place in the Western Conference) that will show whether the Bruins can hang with the best the league has to offer.
"We're a much better team than we showed," Julien said. "We have another shot and we can see where we stand with teams like Detroit."
When it comes to tailoring their approach, captain Zdeno Chara says the difference on Sunday will have to be sticking to their game-plan, something that went out the window in the first 1:10 of the game on Todd Bertuzzi's first goal of the night.
"I think overall our game has to be better [Sunday]," Chara said. "Everything about it. We were losing battles, we didn't skate with them, pretty much everything. We were just flat all around."
The B's will face the Red Wings at Joe Louis Arena Sunday 12:30 p.m. on Sunday.
|Milan Lucic muscles up so Nathan Horton can finally do his thing
|02.10.11 at 10:21 am ET
Milan Lucic and Nathan Horton are big, big men on the ice, cut from the same mold. But while it's been a great year for Lucic, it's been an up-and-down one for Horton, in his first season in Boston.
They both clicked Wednesday night and as a result, the impact on the Bruins' offense was dramatic – as in eight goals dramatic.
Lucic added to his team lead in goals with tallies Nos. 22 and 23 and Horton – with a goal and four assists – had his most productive night of his career in an 8-6 knock-down, drag-out KO of the Habs.
"We are just happy that we were able to get that win," Lucic said. "They have been a tough opponent for us. We lost last time but not [this time]. Most of all we are happy to get those two points and to keep moving up in the standings."
Indeed, for all the excitement over the pugilistic debut of Tim Thomas against Carey Price, this game was a huge one in the standings. The Bruins increased their lead to four points over the Habs, with a game in hand, still.
As for his line of center David Kreji and Horton, it was on fire.
"I mean I felt like that ever since we were put back together lately we have been ok, I mean we have had no goal here, one goal there," Lucic said. "We knew we could be a threat every time we went on the ice and that is what we have kind of talked about as a line yesterday we wanted to be that threat and you know get in there and play with that emotion. Be the guys that Coach counts on, and so its definitely great that we had a game the way we did we have to keep pushing it and keep getting more."
Horton's struggles have been well-chronicled. Even coach Claude Julien has pointed to Horton's struggles often in the last two months. Wednesday night, Julien admitted that the Bruins have been waiting for this breakout ever since Horton started the season with eight goals and 10 assists in the first 17 games of the season.
"Well, that's what we have wanted from him for a while now, so it happened tonight," Julien said after Horton's career game. "We are certainly happen with that. Now it's a matter of hopefully him continuing to do that for our team, he was a big help for us."
"It's nice," Horton said in the understatement of the night. "Obviously, it helps me a little bit with my confidence. It is nice but it's nice to get the points, it's a big game for us. It was a four-point game, and we won.
"It was just working hard. I think we were ready to go. We talked about it as a line, before the game, we need to start playing and start contributing. I think we did that tonight but it's only one game and hopefully we can continue to keep bringing it."
But nothing means more than to have the support of a fellow teammate and linemate.
"It seemed like he was getting really hard on himself getting really down on himself but it these last few games you can see he is on his game again and its all starting to find his game again," Lucic said of Horton. "It all starts with him skating, using his speed, his body, and you know he had a big night tonight and hopefully he continues with his confidence."
It was almost like fighting your brother. You know deep down you don't want to but as a matter of pride – and territory – you need to.
That was one way to look at the way Tim Thomas took off some 185 feet like hell on skates after fellow All-Star goalie Carey Price with 7:24 left in the second period Wednesday night.
So Tim, what happened?
"Which part? I mean'¦well he was jumping in," Thomas said of Price's actions when Brad Marchand drilled James Wisniewski on an icing touch-up. "I went off the blue line and he backed into his crease. And then so I'm like okay, and then he went in again and you just can't let it be an outnumbered situation and so that's what I was thinking when I went down there. He was more than willing to fight. And I had this big old plan. I was going to grab his right and I was going to throw lefts because I know he's bigger and taller and has a reach on me.
"I thought I could do a better job throwing lefts in him and when I went to grab he got a good hold on my right arm and I got nothing. So then I was like, oh now what do I do? Because I know he's got a big right cocked and ready to come so I tried to switch arms and get my right free and I grabbed him by the back of the shirt and when he threw the right I pulled on'¦I was trying to pull him off-balance and his shirt came off his head and then I fell and'¦actually as I was falling my left arm came free and but then it was over. He fought with the fighter's manners as far as not hitting when you're down."
Fighter's manners. There's a new one. Fighter's manners apparently included patting each other on the shouler and backside after it was over, after only 15 seconds of grabbing and tugging.
"We're on opposing teams but we spent some time together at hockey camp a few summers ago and we were just at the All-Star game together," Thomas said. "We're on friendly terms. It was business. But once business is done, it's done."
"Well, I know Timmy pretty well," Price added. "I think we were just out there play-fighting more than anything. Neither one of us really wanted to get hurt, but we are out there doing whatever we had to do, I guess."
Price was surprised when he saw Thomas skating right for him but in the end, he didn't think the wrestling match was going to amount to much and certainly not like the fight between the Islanders' Rick DiPietro and Pittsburgh's Brent Johnson that ended when Johnson knocked out DiPietro, breaking the orbital bone of his face with a punch.
"Yeah, we didn't really know what is going on, but really there is not much to get thrown out about," Price said. "The biggest thing is that we didn't back down. Our guys stood behind each other. I think these are good games to play in. I think they are good character builders."
What was also new to Thomas was the idea of fighting the opposing goalie.
"I've been playing a long time and it's just never a situation where it's worked out like that but tonight it did," he said.
Bruins coach Claude Julien sounded a much more serious but still, understanding tone.
"It's not something you like to see," Julien said. "I don't think, you never like to see your goaltenders get into those kinds of things but, certainly not sitting here and condemning him for doing that, it's the heat of the game. They were both willing combatants and you live with that."
|Tyler Seguin scratched vs. Canadiens, Tim Thomas to start for Bruins
|02.09.11 at 11:47 am ET
Bruins goaltender Tim Thomas was the first to leave the ice in Thursday's morning skate, an indication that he will be in goal when the B's host the Canadiens at 7 p.m. Thomas, 25-6-6 this season, has a 1.80 goals against average and a .945 save percentage, both of which lead the league.
Tyler Seguin, meanwhile, will be a healthy scratch for the Bruins, with fellow rookies Zach Hamill and Jordan Caron cracking the lineup for the B's. Coach Claude Julien said it's more of a numbers game regarding why the second overall pick will find himself in the press box for the third time this season.
"I know who he is, and I know where he was drafted and all that stuff," the coach said, adding that Seguin's recent struggles don't "change the outlook of what we think of him."
In 51 games this season, Seguin has eight goals and nine assists for 17 points and a plus-1 rating. He has averaged 12:18 of ice time, though he has played less than 10 minutes of the last four games.
|Bruins struggle on power play in loss to Sharks
|02.05.11 at 4:59 pm ET
On the Bruins' first power play of Saturday's 2-0 loss to the Sharks, Milan Lucic had a golden opportunity to tie the game up. A Zdeno Chara one-timer led to a rebound at the left side of the net and gave Lucic a brief look at an open cage. Unfortunately for the Bruins, Lucic's bid went wide right.
That was the closest the Bruins would get on the power play, as they ultimately finished the game 0-for-4 on the man advantage. Not only did they fail to get another great look on their final three power plays, but they struggled to even get set up in the offensive zone.
'Our power play tonight had a tough time,' said coach Claude Julien. 'Tonight was probably one of the tougher times we've had at getting the puck in. When we did get it in, we weren't winning those battles for loose pucks and they kept shooting it back down the ice. That was probably, to me, the biggest difference in tonight's game.'
The Bruins have now gone 0-for-12 on the power play over their last five games and 1-for-19 over their last seven. Julien said Saturday's problems with getting organized and maintaining possession don't really reflect how the power play has performed lately, though.
'I think the other night against Dallas, even though we didn't score, our power play was good,' Julien said. 'We moved the puck well and we had some chances and we didn't score. '¦ So we really felt our power play had taken a stride in the right direction. Tonight was a totally different case. We weren't good enough in that area. This is our best players having to be at their best.'
Julien credited the Sharks with doing a good job on the penalty kill, but he also said his players could've made better decisions with the puck to try and overcome that.
'They were here the other night watching us, obviously, and they made some adjustments with their PK,' Julien said. 'At the same time, we still have other options, and I don't think our guys always took the best options. Consequently, we weren't getting in clean.'
As much as the power play struggled, David Krejci said he liked some of the chances the Bruins generated on it in the first period. He also said he thinks it has looked pretty good lately despite the dearth of goals.
He pointed out that if Lucic's rebound bid had gone in instead of going wide, he probably wouldn't have to answer questions about the power play's struggles.
'If that goes in,' Krejci said, 'it would be a different game and we wouldn't be talking about how the power play was bad tonight.'
|How the Bruins have become Team Unity, and why it matters
|02.04.11 at 8:57 am ET
Just four minutes into Thursday's slugfest at the Garden, Stars forward Adam Burish came in on Bruins goalie Tuukka Rask and fired a shot several seconds after the whistle had clearly blown, stopping play.
That is a big hockey no-no.
And Andrew Ference made sure Burish paid the penalty. The Bruins defenseman came over to enforce the hockey the law, eventually drawing Burish into a fight ' which Ference clearly won ' and a message had been sent. Don't mess with these Bruins or you pay the price, especially on Boston's home ice.
"We're a tight group," said Patrice Bergeron, who scored twice and assisted on an empty-netter. "We've always said that and we all know that. We're '¦ we get along real well off the ice and we try to bring that on the ice. I think that Ference fight is the best example just by showing that he took a shot after the whistle on Tuukka and Andy responded right away. So I think it's '¦ it showed our unity, and we've got to keep going."
As for Ference himself, he said Thursday's win showed how the Bruins can get back to being the right mix of talent and toughness, just like 2008-09, when they were the top seed in the East and a favorite to get to the Stanley Cup finals.
"One of the good things we did in that year, and something we've established over the last few is, when our team is emotionally and physically involved, we're a very good team," Ference said. "We've proven that the other way around, too. When it's not there, we lose games. You know, go back to the Carolina series a couple years ago. I think that's what almost all of us pointed our fingers at, it was missing. We know that that has to be there for us to be successful, and it was good [against Dallas]."
Bruins coach Claude Julien certainly had no problem with it.
"It was an opportunity for us to step up for each other, and we did and I thought it certainly played in our favor," Julien said of the four fights in four minutes ' three in the opening four seconds. "We're a team that can handle that and guys seem to be ready for it and certainly that part of it was good. Those two quick goals also were proof that we were ready to play." Read the rest of this entry »
|Gameday notes: It's a tradeoff!
|02.03.11 at 1:51 pm ET
Former Calder Trophy-winning Bruins netminder Andrew Raycroft will get the start in net for the Stars on Thursday, making it the first time he faces the man he was traded for in Tuukka Rask. After shining in his rookie year in 2003-04 and struggling in the season following the lockout, Raycroft was traded to the Leafs for Rask in June of 2006.
Raycroft has continued to struggle since leaving Boston, as he became a bit of a journeyman, making stops in Colorado and Vancouver following two years in Toronto. He has picked it up a bit with the Stars in his first season in Dallas, posting a .920 save percentage and 2.42 goals against average that is mostly inflated by an ugly start Jan. 21 in which he allowed seven goals in a loss to the Flames.
With the Bruins clearly having won the trade involving the two goaltenders they now look to win Thursday night's game. The B's haven't turned in steady play in front of Rask, and it shows with the 23-year-old's 4-10-1 record despite his .923 save percentage.
"I think we have a good goaltender in Tuukka and we know his statistics are good. The only negative thing is the win-loss column right now, and I have a feeling that's going to turn around," coach Claude Julien said after the team's morning skate. "Tuukka's a good goaltender and we have to use him and he has to give us some games and he got to give us some wins and he's got to give us the performance we know he's capable of."
Here are some other notes from the Garden:
– If it weren't for the world needing a bunch of useless information about music, today is a today that I could consider hanging up my twitter skates. The internet has gone crazy saying tonight's matchup is overhyped, but there are simply too many reasons as to why this game is very important for the Bruins to win.
First of all, there's the aspect of Rask being in net. The Finnish netminder was essentially victimized by his team's play in front of him prior to the All-Star break, and the team can really make a statement by playing well enough for him to earn a win against a very good Stars team.
Then there's the "very good Stars team" part. Dallas, despite losing three of it's last four games, is currently third in the Western Conference and went 8-2-1 in January. The Bruins have struggled against Western Conference teams this season (2-4-2) and have been especially bad when they have hosted the (0-2-2). When you consider that the Sharks are in town on Saturday and that the B's have a pair of games against the Red Wings coming up, there are just too many reasons as to why this a very important game for the Bruins.
– As previously noted, Mark Stuart will be a healthy scratch for the fifth straight game. Given the play of Adam McQuaid and Steven Kampfer, it isn't too shocking, but the fact that Julien admitted it isn't even at the point where it's a game-time decision anymore is a bit telling.
"I'm not going to mix anything up right now," Julien said. "It is what it is and we keep talking about that almost everyday as well, is that we've got a guy in Stuey that so far has had a great attitude towards not disrupting the team and understanding how tough it is to play.
"At the same time, our six D's are doing a great job so you don't punish other guys for that kind of stuff. Things always work out and Stuey knows that and has been a real, I guess helpful player in regards to that, at not disrupting the team. He's still working hard, and when he gets his chance he'll be ready."
– Julien was asked Thursday morning if he feels Tim Thomas, who leads the NHL with a .945 save percentage (on pace to be the best ever), 1.82 goals against average, seven shutouts (tied with Henrik Lundqvist) and 25 wins (tied with three others), is the best goaltender in the league. The answer wasn't very surprising.
"I'm going to back that up 100 percent," Julien said. " The way he's played for us definitely a great goaltender and the thing with Timmy that helps this hockey club is we play well in front of him, but when we do break down he's there to keep us in the game at those key times. And that's what's important for our team. And again we may give up a certain amount of shots, at the end of the night we say 'how many scoring chances did we give up?' and some of those scoring chances we may not give up a ton but they're real good scoring chances and Timmy comes up big. That's what makes a difference and that's why Timmy's a good goaltender."


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FREE tours of the Massillon Museum are available for all age levels, from Kindergarten to adults! Donations to help support our Museum, no matter how large or small, are always appreciated.
Questions? Contact Education and Outreach Coordinator April Olsen by phone 330-833-4061 x 104 or by email.
Guided Tours
Museum staff and volunteers can provide a general tour of the Museum or focus on specific curriculum requirements or topics of interest for your group. Guided tours are offered throughout the week, during normal hours of operation: Tuesdays – Fridays, 9:30 – 5:00pm. Additional times may be available after hours, on Mondays, or weekends, by special arrangement.
Please allow at least 4 weeks before the date of your proposed tour, and be sure to check our Current Exhibit Schedule and Upcoming Exhibit Schedule to see what will be on display when you'd like to visit. To schedule a tour, contact Education and Outreach Coordinator April Olsen by phone 330-833-4061 x 104 or by email.
Self-guided Tours
If you would like to bring your class or group in for a self guided Museum visit, please be sure to call us in advance to make sure the galleries are not closed for installation and there are no special events. Please check in at the front desk to let us know how many are in your group, and review the tour guidelines.
Art+History Projects
An exhibition related hands-on activity can be arranged through the Education Department to enhance your tour and visit to the Massillon Museum. Sharpie tie dye, Photobooth pictures, clay Cryptozoology tracks, and Mexican Dia de Los Muertos sugar skulls are just a few of our most popular art projects! We can tailor an art project to meet your curriculum needs, using themes of art, science, history or literature.
The cost for this is $5 per student. The Massillon Museum provides the instructor and supplies for these activities. Payment may be made in cash, check or credit card.
For questions, contact Education and Outreach Coordinator April Olsen by phone 330-833-4061 x 104 or by email.
Tour guidelines:
- No backpacks, headphones, food or drink are permitted in the Museum galleries. A coatroom is available in the lobby to store personal items.
- Please turn mobile phones on silent.
- Photography is permitted in certain galleries. Please ask permission from a staff member before taking photographs.
- If you are taking notes, please use pencil while in the galleries.
- The maximum number of people per tour guide is 25. All tour groups must be accompanied by one adult chaperone (18 and older) for every 25 students.
- Please do not touch artwork or objects in the Museum exhibits, or lean against walls or Museum cases in the galleries.
- The Massillon Museum is handicap accessible.


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Hey there!
I'm currently trying to use the Comment extension of the SFC plugin. I am trying to follow the instructions (along with searching online) on what to modify for a Genesis theme, but I'm not able to find anything handy.
Any help would be appreciated.
In the Genesis theme, there is a comments.php and nothing in the child theme. In the comments.php there is the following code:
[Code moderated as per the Forum Rules. Please use the pastebin]
What exactly should I change to use the SFC comments?
Please advise.


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Quotes & Info
|PVTB > SEC Filings for PVTB > Form 10-Q on 1-Nov-2012
|All Recent SEC Filings
Quarterly Report
PrivateBancorp, Inc. ("PrivateBancorp" or the "Company"), is a Delaware corporation and bank holding company headquartered in Chicago, Illinois. Through our wholly-owned bank subsidiary, The PrivateBank and Trust Company (the "Bank" or the "PrivateBank"), we provide customized business and personal financial services to middle market companies and business owners, executives, entrepreneurs and families in all the markets and communities we serve. As of September 30, 2012, we had 35 offices located in ten states, primarily in the Midwest, with a majority of our business conducted in the greater Chicago market.
We deliver a full spectrum of commercial and personal banking products and services to our clients through our commercial banking, community banking and private wealth businesses. We offer clients a full range of lending, treasury management, investment and capital markets products to meet their commercial needs and residential mortgage banking, private banking, trust and investment services to meet their personal needs.
Management's discussion and analysis should be read in conjunction with the unaudited interim consolidated financial statements and accompanying notes presented elsewhere in this report, as well as our audited consolidated financial statements and accompanying notes included in our 2011 Annual Report on Form 10-K. Results of operations for the nine months ended September 30, 2012 are not necessarily indicative of results to be expected for the year ending December 31, 2012. Unless otherwise stated, all earnings per share data included in this section and throughout the remainder of this discussion are presented on a fully-diluted basis.
Statements contained in this report that are not historical facts may constitute forward-looking statements within the meaning of federal securities laws. Forward-looking statements represent management's beliefs and expectations regarding future events,
such as our anticipated future financial results, credit quality, revenues, expenses, or other financial items, and the impact of business plans and strategies or legislative or regulatory actions. Forward-looking statements are typically identified by words such as "may," "might," "will," "should," "could," "would," "expect," "plan," "anticipate," "intend," "believe," "estimate," "predict," "project," "potential," or "continue" and other comparable terminology.
Our ability to predict results or the actual effects of future plans, strategies or events is inherently uncertain. Factors which could cause actual results to differ from those reflected in forward-looking statements include, but are not limited to:
• unforeseen credit quality problems or further deterioration in problem assets that could result in charge-offs greater than we have anticipated in our allowance for loan losses;
• adverse developments impacting one or more large credits;
• the extent of further deterioration in real estate values in our market areas, particularly in the Chicago area;
• difficulties in resolving problem credits or slower than anticipated dispositions of other real estate owned which may result in increased losses or higher credit-related operating costs;
• continued uncertainty regarding U.S. and global economic recovery and economic outlook, and ongoing volatility in market conditions, that may impact credit quality or prolong weakness in demand for loans or other banking products and services;
• unanticipated withdrawals of significant client deposits;
• lack of sufficient or cost-effective sources of liquidity or funding;
• loss of key personnel or an inability to recruit and retain appropriate talent;
• unanticipated changes in interest rates, prolonged low interest rate environment or significant tightening of credit spreads;
• competitive pricing trends;
• uncertainty relating to recently proposed regulatory capital rules that could, depending on the nature of our assets, require us to maintain higher levels of regulatory capital;
• uncertainty regarding implications of recently adopted or proposed rules and regulations, or those remaining to be proposed in connection with the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, that may negatively affect our revenues or profitability;
• other legislative, regulatory accounting or tax changes affecting financial services companies and/or the products and services offered by financial services companies;
• changes in monetary or fiscal policies of the U.S. Government; or
• failures or disruptions to our data processing or other information or operational systems, including the potential impact of disruptions or breaches at our third party service providers.
Forward-looking statements are subject to significant risks, assumptions and
uncertainties and could be affected by many factors, including those set forth
in the "Risk Factors" section of our Form 10-K for the year ended December 31,
2011, "Risk Factors" and "Management's Discussion and Analysis of Financial
Condition and Results of Operations" sections of this Form 10-Q as well as those
set forth in our subsequent periodic and current reports filed with the SEC.
These factors should be considered in evaluating forward-looking statements and
undue reliance should not be placed on our forward-looking statements.
Forward-looking statements speak only as of the date they are made and we assume
no obligation to update any of these statements in light of new information,
future events or otherwise unless required under the federal securities laws.
Our consolidated financial statements are prepared in accordance with U.S. generally accepted accounting principles ("U.S. GAAP"), and our accounting policies are consistent with predominant practices in the financial services industry. Critical accounting policies are those policies that require management to make the most significant estimates, assumptions, and judgments based on information available at the date of the financial statements that affect the amounts reported in the financial statements and accompanying notes. Future changes in information may affect these estimates, assumptions, and judgments, which, in turn, may affect amounts reported in the consolidated financial statements.
Our most significant accounting policies are presented in Note 1, "Summary of Significant Accounting Policies," to the Notes to Consolidated Financial Statements in our 2011 Annual Report on Form 10-K. These policies, along with the disclosures presented in the other consolidated financial statement notes and in this discussion, provide information on how significant assets and liabilities are valued in the consolidated financial statements and how those values are determined. Based on the valuation techniques used and the sensitivity of financial statement amounts to the methods, assumptions, and estimates underlying those amounts,
management has determined that our accounting policies with respect to the allowance for loan losses, goodwill and intangible assets, income taxes and fair value measurement of certain assets and liabilities are the accounting areas requiring subjective or complex judgments that are most important to our financial position and results of operations, and, as such, are considered to be critical accounting policies, as discussed below.
Allowance for Loan Losses
We maintain an allowance for loan losses at a level management believes is sufficient to absorb credit losses inherent in our loan portfolio. The allowance for loan losses is assessed quarterly and represents an accounting estimate of probable losses in the portfolio at each balance sheet date based on a review of available and relevant information at that time. The allowance consists of reserves for probable losses that have been identified relating to specific borrowing relationships that are individually evaluated for impairment ("the specific component"), as well as probable losses inherent in our loan portfolio that are not specifically identified ("the general allocated component"), which is determined using a methodology that is a function of quantitative and qualitative factors applied to segments of our loan portfolio as well as management's judgment.
The specific component relates to impaired loans. Impaired loans consist of nonaccrual loans (which include nonaccrual troubled debt restructurings ("TDRs")) and loans classified as accruing TDRs. A loan is considered impaired when, based on current information and events, management believes that it is probable that we will be unable to collect all amounts due (both principal and interest) according to the original contractual terms of the loan agreement. Once a loan is determined to be impaired, the amount of impairment is measured based on the loan's observable fair value, fair value of the underlying collateral less selling costs if the loan is collateral-dependent, or the present value of expected future cash flows discounted at the loan's effective interest rate.
If the measurement of the impaired loan is less than the recorded investment in the loan, impairment is recognized by creating a specific valuation reserve as a component of the allowance for loan losses. Impaired loans exceeding $500,000 are evaluated individually, while loans less than $500,000 are evaluated as pools using historical loss experience, as well as management's loss expectations, for the respective asset class and product type. Of total impaired loans of $238.3 million at September 30, 2012, 91% had balances in excess of $500,000.
All impaired loans and their related reserves are reviewed and updated each quarter. Any impaired loan for which a determination has been made that the economic value is permanently reduced is charged-off against the allowance for loan losses to reflect its current economic value in the period in which the determination is made.
At the time a collateral-dependent loan is initially determined to be impaired, we review the existing collateral appraisal. If the most recent appraisal is greater than a year old, a new appraisal is obtained on the underlying collateral. The Company generally obtains "as is" appraisal values for use in the evaluation of collateral dependent impaired loans. Appraisals for loans in excess of $500,000 are updated with a new independent appraisal at least annually and are formally reviewed by our internal appraisal department upon receipt of a new appraisal as well as at the six-month interval between the independent appraisals. If during the course of the six-month review period there is evidence supporting a meaningful decline in the value of collateral, the appraised value is either internally adjusted downward or a new appraisal is required to support the value of the impaired loan. With an immaterial number of exceptions, all appraisals and internal reviews are current under this methodology at September 30, 2012.
To determine the general allocated component of the allowance for loan losses, we segregate loans by originating line of business and vintage ("transformational" and "legacy") for reserve purposes because of observable similarities in the performance experience of loans underwritten by these business units. In general, loans originated by the business units that existed prior to the strategic changes of the Company in 2007 are considered "legacy" loans. Loans originated by a business unit that was established in connection with or following the strategic business transformation plan are considered "transformational" loans. Renewals or restructurings of legacy loans may continue to be evaluated as legacy loans depending on the structure or defining characteristics of the new transaction. The Company has implemented a line of business model that has reorganized the legacy business units so that after 2009, all new loan originations are considered transformational.
The methodology produces an estimated range of potential loss exposure for the product types within each originating line of business. We consider the appropriate balance of the general allocated component of the reserve within these ranges based on a variety of internal and external quantitative and qualitative factors to reflect data or timeframes not captured by the basic allowance framework as well as market and economic data and management judgment. In certain instances, these additional factors and judgments may lead to management's conclusion that the appropriate level of the reserve is outside the range determined through the basic allowance framework.
Determination of the allowance is inherently subjective, as it requires significant estimates, including the amounts and timing of expected future cash flows on impaired loans, estimated losses on pools of homogeneous loans based on historical loss experience, risk ratings, product type and vintage, as well as consideration of current economic trends and portfolio attributes, all of which may be susceptible to significant change. For instance, loss rates in our allowance methodology typically reflect the Company's more recent loss experience, by product, on a trailing twelve or eighteen month basis. These loss rates consider both cumulative charge-offs to date and other real estate owned valuation adjustments in the individual product categories that comprise our allowance. Default estimates use a multi-year cumulative calculation of defaults by originating line of business, vintage and rating. In addition, we compare current model-derived and historically-established reserve levels to recent charge-off trends and history in considering the appropriate final level of reserve at each product level.
Credit exposures deemed to be uncollectible are charged-off against the allowance, while recoveries of amounts previously charged-off are credited to the allowance. A provision for loan losses, which is a charge against earnings, is recorded to bring the allowance for loan losses to a level that, in management's judgment, is appropriate to absorb probable losses in the loan portfolio as of the balance sheet date.
Goodwill and Intangible Assets
Goodwill represents the excess of purchase price over the fair value of net assets acquired using the acquisition method of accounting. Other intangible assets represent purchased assets that also lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability.
Goodwill is allocated to reporting units at acquisition. Subsequently, goodwill is not amortized but, instead, is tested at the reporting unit level at least annually for impairment or more often if an event occurs or circumstances change that indicate it is more likely than not that the fair value of a reporting unit is less than its carrying amount. In the event that we conclude that all or a portion of our goodwill is impaired, a non-cash charge for the amount of such impairment would be recorded in earnings. Such a charge would have no impact on tangible or regulatory capital. The Company is not aware of any events or circumstances that would indicate impairment of goodwill at September 30, 2012.
The impairment testing process is conducted by assigning net assets and goodwill to each reporting unit. In "step one," the fair value of each reporting unit is compared to the recorded book value. Our step one calculation of each reporting unit's fair value is based upon a simple average of two metrics: (1) a primary market approach, which measures fair value based upon trading multiples of independent publicly traded financial institutions of comparable size and character to the reporting units, and (2) an income approach, which estimates fair value based upon discounted cash flows ("DCF") and terminal value (using the perpetuity growth method). If the fair value of the reporting unit exceeds its carrying value, goodwill is not considered impaired and "step two" is not considered necessary. If the carrying value of a reporting unit exceeds its fair value, the impairment test continues ("step two") by comparing the carrying value of the reporting unit's goodwill to the implied fair value of goodwill. The implied fair value of goodwill is determined using the residual approach, where the fair value of a reporting unit is allocated to all of the assets and liabilities of that unit as if the reporting unit had been acquired in a business combination and the fair value of the reporting unit, calculated in step one, is the price paid to acquire the reporting unit. The excess of the fair value of the reporting unit over the amounts assigned to its assets and liabilities is the implied fair value of goodwill. An impairment charge is recognized to the extent the carrying value of goodwill exceeds the implied fair value of goodwill.
Under new accounting guidance effective January 1, 2012, the Company has the option at the time of its annual impairment testing to perform a qualitative assessment for each reporting unit to determine of whether it is more likely than not that the fair value of a reporting unit is less than its carrying value before applying the existing two-step goodwill impairment test. If the Company concludes that this is the case, the Company would proceed with the existing two-step test, as described above. Otherwise, the Company would be able to bypass the two-step test and conclude that goodwill is not impaired from a qualitative perspective.
Goodwill impairment testing is considered a "critical accounting estimate" as estimates and assumptions are made about future performance and cash flows, as well as other prevailing market factors. For our annual impairment testing, we engage an independent valuation firm to assist in the computation of the fair value estimates of each reporting unit. In connection with obtaining an independent third-party valuation, management provides certain information and assumptions that are utilized in the DCF and implied fair value calculations. Assumptions critical to the process include: forecasted earnings, which are developed for each segment by considering several key business drivers such as historical performance, forward interest rates (using forward interest rate curves to forecast future expected interest rates), anticipated loan and deposit growth, and industry and economic trends; discount rates; and credit quality assessments, among other considerations. We provide the best information available at the time to be used in these estimates and calculations.
Identified intangible assets that have a finite useful life are amortized over that life in a manner that reflects the estimated decline in the economic value of the identified intangible asset and are subject to impairment testing whenever events or changes in circumstances indicate that the carrying value may not be recoverable. During the third quarter of 2012, there were no events or circumstances to indicate that there may be impairment of intangible assets. The Company's intangible assets include core deposit premiums, client relationship, and assembled workforce intangibles. All of these intangible assets have finite lives and are amortized on a straight line basis over varying periods not exceeding 15 years.
Income Taxes
The determination of income tax expense or benefit, and the amounts of current and deferred income tax assets and liabilities are based on complex analyses of many factors, including interpretations of federal and state income tax laws, current financial accounting standards, the difference between tax and financial reporting bases of assets and liabilities (temporary differences), assessments of the likelihood that the reversals of deferred deductible temporary differences will yield tax benefits, and estimates of reserves required for tax uncertainties. In addition, for interim reporting purposes, management generally determines its income tax provision, before consideration of any discrete items, based on its current best estimate of pre-tax income, permanent differences and the resulting effective tax rate expected for the full year.
We are subject to the federal income tax laws of the United States and the tax laws of the states and other jurisdictions where we conduct business. We periodically undergo examination by various governmental taxing authorities. Such authorities may require that changes in the amount of tax expense be recognized when their interpretations of tax law differ from those of management, based on their judgments about information available to them at the time of their examinations. There can be no assurance that future events, such as court decisions, new interpretations of existing law or positions by federal or state taxing authorities, will not result in tax liability amounts that differ from our current assessment of such amounts, the impact of which could be significant to future results.
Temporary differences may give rise to deferred tax assets or liabilities, which
are recorded on our Consolidated Statements of Financial Condition. We assess
the likelihood that deferred tax assets will be realized in future periods based
on weighing both positive and negative evidence and establish a valuation
allowance for those deferred tax assets for which recovery is unlikely, based on
a standard of "more likely than not." In making this assessment, we must make
judgments and estimates regarding the ability to realize these assets through:
(a) the future reversal of existing taxable temporary differences, (b) future taxable income, (c) the possible application of future tax planning strategies, and (d) carryback to taxable income in prior years. We have not established a valuation allowance relating to our deferred tax assets at September 30, 2012. However, there is no guarantee that the tax benefits associated with these deferred tax assets will be fully realized. We have concluded, as of September 30, 2012, that it is more likely than not that such tax benefits will be realized.
In the preparation of income tax returns, tax positions are taken based on interpretations of federal and state income tax laws for which the outcome of such positions may not be certain. We periodically review and evaluate the status of uncertain tax positions and may establish tax reserves for tax benefits that may not be realized. The amount of any such reserves are based on the standards for determining such reserves as set forth in current accounting guidance and our estimates of amounts that may ultimately be due or owed (including interest). These estimates may change from time to time based on our evaluation of developments subsequent to the filing of the income tax return, such as tax authority audits, court decisions or other tax law interpretations. There can be no assurance that any tax reserves will be sufficient to cover tax liabilities that may ultimately be determined to be owed. At September 30, 2012, we had $122,000 of tax reserves established relating to uncertain tax positions that would favorably affect the Company's effective tax rate if recognized in future periods.
For additional discussion of income taxes, see "Management's Discussion and Analysis of Financial Condition and Results of Operations - Income Taxes," Note 13 of "Notes to Consolidated Financial Statements" in Item 1 of this Form 10-Q, and Notes 1 and 15 of "Notes to Consolidated Financial Statements" in our 2011 Annual Report on Form 10-K.
Fair Value Measurements
Certain of the Company's assets and liabilities are measured at fair value at each reporting date, including securities available-for-sale, derivatives, and certain loans held-for-sale. Additionally, other assets are measured at fair value on a nonrecurring basis, including impaired loans and other real estate owned ("OREO"), which are subject to fair value adjustments under certain circumstances.
The Company measures fair value in accordance with U.S. GAAP, which defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.
U.S. GAAP establishes a fair value hierarchy that categorizes fair value measurements based on the observability of the valuation inputs used in determining fair value. Level 1 valuations are based on unadjusted quoted prices for identical instruments traded in active markets. Level 2 valuations are based on quoted prices for similar instruments, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data. Level 3 valuations use at least one significant unobservable input that is supported by little or no market activity.
Judgment is required to determine whether certain assets measured at fair value are included in Level 2 or Level 3. When making this judgment, we consider all available information, including observable market data, indications of market liquidity and orderliness, and our understanding of the valuation techniques and significant inputs used. Classification of Level 2 or Level 3 is based upon the specific facts and circumstances of each instrument or instrument category and judgments are made regarding the significance of the Level 3 inputs to the instrument's fair value measurement in its entirety. If Level 3 inputs are considered significant, the instrument is classified as Level 3.
Judgment is also required when determining the fair value of an asset or liability when either relevant observable inputs do not exist or available observable inputs are in a market that is not active. When relevant observable inputs are not available, the Company must use its own assumptions about future cash flows and appropriately risk-adjusted discount rates. Conversely, in some cases observable inputs may require significant adjustments. For example, in cases where the volume and level of trading activity in an asset or liability is very limited, actual transaction prices vary significantly over time or among market participants, or the prices are not current, the observable inputs may not be relevant and could require adjustment.
The Company uses a variety of methods to measure the fair value of financial instruments on a recurring basis and to validate the overall reasonableness of the fair values obtained from external sources on at least a quarterly basis, including evaluating pricing service inputs and methodologies, using exception reports based on analytical criteria, comparing prices obtained to prices received from other pricing sources, and reviewing the reasonableness of prices based on Company knowledge of market liquidity and other market-related conditions. The use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. The inability to precisely measure the fair value of certain assets, such as OREO, may lead to changes in the fair value of those assets over time as unobservable inputs change, which can result in volatility in the amount of income or loss recorded for a particular position from quarter to quarter.
. . .


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Brian Wilson, Jeff Beck co-headlining Riverside Theater
The full-scale Beach Boys reunion may have been a short-lived occassion, but Boys' co-founder Brian Wilson is still keeping part of the old band together--and roping in a two-time Rock and Roll Hall of Famer.
Wilson, and guitar master Jeff Beck, famous for his work with the Yardbirds as well as his own accomplished solo career, are co-headlining a fall tour that will stop at the Riverside Theater Oct. 30, a venue spokesman announced Monday morning. »Read Full Article
This week's concerts
7:30 p.m. Thursday, BMO Harris Bradley Center, 1001 N. 4th St. $36.50 to $96.50 at the box office, (800) 745-3000 and ticketmaster.com. »Read Full Article
Academy Award winners headed to Marcus Theatres in January
Marcus Theatres is warming up for the Oscars with a string of past best-picture winners in January.
First up is "Ben-Hur," the 1959 epic that won a then-record 11 Academy Awards, including best actor for Charlton Heston and best director for William Wyler. ("Titanic" and "The Lord of the Rings: The Return of the King" later tied the record.) »Read Full Article
Book pays tribute to Milwaukee's Sigmund Snopek
"You better sit down. This is going to throw you."
A letter with those ominous words greeted Milwaukee music veteran Sigmund Snopek III when he opened a package from a stranger named Bob Mielke about 18 months ago. »Read Full Article
Paul Cebar Tomorrow Sound shows local artist's continued evolution
Because he's played around town since 1976, you might think Paul Cebar, one of the city's most prominent music fixtures, would have reached a commercial or creative plateau.
Think again. Cebar's exceptional résumé includes time in the late bands the R&B Cadets and Paul Cebar & the Milwaukeeans; 28 years on WMSE-FM (91.7; he co-hosts Wednesday mornings from 9 a.m. to noon) and playing on stage with Bonnie Raitt, Al Green and Los Lobos. »Read Full Article
Listen: Local electronic duo Kiings collaborates with Field Report's Christopher Porterfield
Local electronic music duo Kiings have paired up with Field Report frontman Christopher Porterfield for a new "electronic soul" song called "Garden." Photo provided by Kiings. »Read Full Blog Post
On Tap Today: A 2014 pop culture wish list and celebration of Barbara Pym
By now, you are adjusting to writing 2014 on your calendars and thinking in terms of "resolutions." Join us, then, as we welcome this new year with a wish list: 30 things we hope will - or will not happen - in 2014. Anything you would add?
42 Lounge is hosting a Rock Band night for college kids or anyone still young-at-heart enough to compete with their friends with fake guitars. America's Pub Quiz Trivia comes to Karma Bar & Grill tonight and is worth your attention if you like to drink while you think. Want a preview? Check out the vibe here on "4 places to 'drink while you think.'" »Read Full Blog Post


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You Pay: $34.00
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The Canon Lens Cap for TS-E 17mm f/4L Tilt-Shift Lens is just what it sounds like: a lens cap for Canon's 17mm tilt-shift lens, the widest tilt-shift lens for 35mm cameras currently in production.
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Business Administration, BA, BS, Minor
Business Administration Curriculum
- General Core Curriculum
- Bachelor of Arts or Science Requirements
- Concentration (optional)
- Major Requirements (listed below)
- Electives (listed below)
- Minor Requirements (listed below)
Major Requirements | 60 Credit Hours
Electives | Select 12 Credit Hours
Students are encouraged to complete a concentration as fulfillment of the 12 hours of the business electives. Selection of a concentration is not a requirement for graduation. Students may also choose to obtain a general Business Administration degree without a concentration. A general degree without a concentration requires a minimum of 12 credit hours from the following elective Business Administration courses. This requirement is above the Core Curriculum and the required core for a Business Administration degree.
*BUS 421 can fulfill the Junior Seminar Component for Core Requirements
Minor Requirements | 18 Credit Hours
The Business Administration minor requires 18 credit hours beyond the Core Curriculum and Degree Requirements and includes the following:


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A historic luxury manor hotel located on the Richelieu River.
The Manoir Rouville-Campbell is the restored family home of Major Thomas Edmund Campbell, a Scot who designed the building in the Tudor style. Built in 1844, the building was turned into a hotel in 1877. Today the property is run by Imbeau family. The hotel grounds also include a restaurant, lounge and strolling gardens.
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We're building a movement to close the opportunity gap facing America's children and families.
Every Child Matters wants to make children and families a national political priority. That's why we're voting for kids.
- Opportunity for All
- Working Families
- Education
- Safe Kids
- Healthy Kids
Opportunity for All
Every child deserves a shot at the American dream. Fighting poverty, discrimination and other barriers is essential to closing the opportunity gap facing America's children. When every child gets a fair chance at success, America's families, communities and the economy benefit.
- Nearly 16 million children in the United States – 22% of all children – live in families with incomes below the federal poverty level.
- Children represent 24% of the population, but they comprise 34% of all people in poverty.
Working Families
Working and having a family shouldn't be so hard. Stagnant incomes and workplace practices that pit being a parent against being a provider strain families and harm kids. Paid sick and family medical leave, access to affordable childcare and fair wages can help provide the economic security and flexibility that parents need to build their careers and support their families.
- In 2014, in 28 states plus the District of Columbia, the average annual cost for an infant in center-based care was higher than a year's tuition and fees at a four-year public college.
- Four in ten private sector workers – over 40 million people – do not have access to paid sick time.
We believe all kids should have access to high quality schools regardless of their neighborhood or parents' income. Guaranteeing access to high-quality early childhood education and affordable higher education will help level the playing field and inspire the next generation of leaders and innovators.
- 4.4 million – or 54% children ages 3 and 4 are not in pre-school.
- Only about one-third of all children attending school in the United States can read proficiently by fourth grade.
- More than 40 million Americans currently have student loan debt. Over the past decade, student debt has quadrupled from $240 billion in 2003, to more than $1.3 trillion today.
Safe Kids
Every child needs a safe environment in their home, school and neighborhood. We are committed to preventing child abuse, ending deaths due to abuse and neglect, and to reducing gun violence.
- Over 700,000 children were confirmed victims of child abuse in 2014.
- Four to eight children die each day in the US from abuse or neglect at the hands of parents or caretakers.
Healthy Kids
No child should be denied healthcare. In recent years, the Children's Health Insurance Program (CHIP) and the Affordable Care Act have expanded access to comprehensive medical care for children. We must work to preserve and build upon this progress.
- 26 million children receive some form of government funded health care and 4.4 million are uninsured.
- As a result of Congress's passing of comprehensive health reform, those under the age of 26 can remain on their parent's health insurance, and insurance companies can no longer deny coverage to children with pre-existing medical conditions.
Latest from Every Child Matters
Follow our latest news from our blog, state campaigns, Twitter feed and more. Visit our Happening Now page to see all of our updates!
Everything You Need to Know about the MN Primary
Today is Primary Election Day in Minnesota, and kids need your vote! Get up, get out, and cast your vote today! Here is everything you need to know about voting but were afraid to ask: Have any other questions about the Minnesota primary? Tweet at us @ECM_MN!
Donald Trump Announces New Child Care Policy
After Question from Organizer, Trump Adds Affordable Child Care to Economic Agenda Washington, DC, 8 August 2016 — Today, Republican Presidential nominee Donald Trump announced in a speech that tax-deductible child care will be part of his economic agenda. This expands on Trump's stance since a televised exchange last November between Trump and Every Child Matters organizer […]
Thanks @MomsRising @KatieLianeTx! So inspiring to see all those #EarlyEdHeroes out there! #EarlyEdChat
Maine Musings: Family Engagement
Did you know…Research indicates that families' involvement in children's learning and development impacts lifelong health, developmental, and academic outcomes. Family engagement in early learning programs and elementary school supports families as they teach, nurture, and advocate for their children. In turn, family engagement supports and improves the early learning programs in which children are cared […]
Granite State Rumblings: Family Engagement in Education
Did you know… Research indicates that families' involvement in children's learning and development impacts lifelong health, developmental, and academic outcomes. Family engagement in early learning programs and elementary school supports families as they teach, nurture, and advocate for their children. In turn, family engagement supports and improves the early learning programs in which children are […]
Long Island Action Alert: Be an Informed Voter Today!
Today Is Voting Day Children can't vote, therefore it's up to us to elect someone that will be the best advocate for them. Today as you go to the polls to cast your vote in this primary election, think about who will be the best candidate for kids. Here are several ways you can be […]
1 in 5
children in the United States lives in poor families.
4 in 10
private sector workers – over 40 million people – do not have access to paid sick time.
7 in 10
bachelor's degree recipients who graduated in 2013 had student loan debt.


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Top Stories
2016 KPA Annual Convention is open for registration! Register now by clicking here
Nominations are now open for the 2016 KPA Convention Awards. Click here to read descriptions of the awards and submit a nomination.
In response to the deaths of Alton Sterling and Philando Castle, a message from Dr. Candice Crowell, KPA Diversity Interest Section representative on the KPA Board: (more)
Resources for coping and helping children cope in the aftermath of a shooting (more)
Update on KBEP License Number Changes
The word is getting out: ALL psychologists are being issued new license numbers. http://psy.ky.gov. A letter from the Board will be coming soon, but if you are ready to deal with this now, follow these steps:
1. Go to http://psy.ky.gov
2. Click on Agencies, then Office of Occupations and Professions, then License Verification
3. Plug in your information and you will get your new license number.
But your responsibility does not stop there! It is up to each individual licensee to contact providers and notify of the license number change. Please be sure and advise any and all providers (i.e., Medicare/Medicaid, insurance companies, CAQH, credentialing agencies, etc) that your license number has changed.
More information can be found at http://psy.ky.gov.
Clarification from KBEP regarding supervisees' requirement to submit W-2 or W-4 along with Supervisory Plans and Goals: Click Here
2016 Psychologically Healthy Workplace Award Applications Now being Accepted - Click here for more information
Op Ed from the KY Psychological Foundation's Public Education Campaign, published in June 6, 2016 Lexington Herald-Leader: "Decades of rigorous scientific research have shown that psychotherapy works. Psychotherapy, or talk therapy, is a highly effective treatment for a wide range of mental health conditions, including depression, ADHD, PTSD and anxiety disorders." Click here for full article.
To find Psychological Services in your area or to find a referral:
KPA Psychological Services Locator
KPA Psychological Services Request
Member Highlights
Tom Miller, Ph.D., ABPP
Every decade, APA invites selected research/clinicians to contribute their life's work to the APA Handbook & Reference book series. Congratulations to KPA member Tom Miller,Ph.D., ABPP on his inclusion in the just published APA Handbook of Clinical Psychology. Inclusion is by invitation only and provides the membership and our professional community with the most current theoretical, applied and research in psychological practice and science.
Monnica T. Williams, Ph.D.
KPA Member Monnica T. Williams, Ph.D. was featured on the 7/16/2015 edition of NPR's Science Friday discussing the effects of racism on mental health.


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Did you know there are easy, free ways to keep the spirit of school fundraising alive at Jacob Wismer? Here are some great ways Jacob Wismer parents, grandparents, families, friends, teachers and staff can support just by shopping:
Amazon Smile
Shop at Amazon? Make sure you're signed up with Amazon Smile and have Jacob Wismer PTO selected as your beneficiary organization. Once you login, you just shop as you normally would.
Box Tops & Labels for Education
Clip Box Tops and Labels for Education and send them in to your child's classroom. Ask relatives to save them too! It really adds up to sizable contribution when everyone participates!
Target REDcard
Register your Target REDcard at www.target.com and scroll down the page to the "Take Charge of Education" area to associate your card with Jacob Wismer (School ID 117687). Target will donate 1% of your purchases to our school.
Safeway or Credit Cards via eScrip
Register at www.escrip.com to start earning now! A percentage of your purchases will go directly back to the school. If all families do this, it could mean thousands of dollars for the school! Select Jacob Wismer as your school (school ID#500017367). Remember to register and renew by November 1st.
Office Depot / Office Max
Simply make a purchase of qualifying school supplies. At checkout provide the Jacob Wismer school ID(#70120454), or just mention "Jacob Wismer Elementary". Whether you shop online, over the phone, or in-store and they can look up our school number for you. Our school will receive 5% back in credits for FREE supplies!
Store/Restaurant Programs
Mark you calendars for Restaurant/Shopping Nights. Look for notice of these events during the year. What a great way to support a local business and help our school out too!


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Based on the amount of new games for the hardcore:
Sony, started the show with bunch of "Move" only games and games that will add "Move" gameplay as an update. Sorcery looked fun and very interactive. Kevin Butler comes on the show to interrupt the boring executive then starts riling up the journalist into the most hilarious 5 minutes of the 3 e3 media briefings. Then it continue into its weak PSP which is going to have a decent funny marketing campaing, but will have to reinvent the whole PSP to sell more. Finally it ends the show with great hardcore exclusives and MMORPGs which is my own forte`. I'm definitely getting one this year.
Microsoft was doing great in the beggining with Gears 3, Call of Duty(awesome!), Fable 3(which im excited about). But then it focused half of its show on casual market with "kinect", which in my opinion could be used great in hardcore games. So they showed the controls for kinect as a media device and social camera, I couldnt care less but I guess casual gamers will like that. Then when the games started rolling out, no hardcore games. Only stupid Nintendo knockoffs which will play great, but it's just not what I'm looking for. So unfortunately I have no reason to the kinect this year, maybe next year.
Nintendo, showed all its beloved franchises in game form. Zelda(older link form, the best), Metroid(team ninja game), donkey kong, kid Icarus! and even Kirby which had a great art direction. I'm all for casual gamer games, my little sisters and girlfriend plays them but the only game that I'm looking forward from Nintendo Wii, is Zelda. I'm sure the 3DS is going to sell a boatload, but it doesn't offer a great gaming experience like a console does.
The picture of Reggie getting burned by bowser was the best in the nintendo show lol
anyways check out the whole media briefings at gametrailers.com and decide for yourself.


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I want to edit template-functions-post.php so that I can have some of the texts readable by public and some are hidden in the same post. Currently, when I password-protect a post, it protects the whole post. I want that, for example, the first paragraph is visible and the rest are password protected. I don't always do this though. Sometimes I want that the whole post is password protected and other times I dont want that the whole post is password protected.
I find this code from some site --
$content = $pages[$page-1];
$content = explode('<!--more-->', $content, 2);
$output = "";
$output .= $content[0];
$output .= get_the_password_form();
return $output;
however my problem with that, for all of my previous posts (and they are many) with no "more" tag (because I want that the whole post is password protected), the whole post has now become visible.
I'm thinking, is there a way to detect the "more" tag in a post? What im planning to do is insert that code if a post has more tag otherwise use the standard code
$output = get_the_password_form();
return $output;
thanks guys and I hope to hear from you soon :)


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Sacramento train station seeks new nameUPDATED 2:12 PM PST Feb 21, 2013
The Sacramento Valley Station needs a new name, and official are asking the public for ideas.
More Video
CommentsThe views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.blog comments powered by Disqus


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Kaepernick made mistakes but also made up for them. He put the team in a position to win the game and DWalker (this guy is so frustrating) could not handle a perfectly thrown pass, and then followed it up with a holding pass.
In OT the team gets the ball at midfield and simply go conservative to put the game on the leg of a struggling kicker.


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This app still works great, and is a great / free replacement for ShareTool and the like. However it does not come with any instructions - the instructions below are great and still relevant- but just in case it's worth repeating this goes on the client machine - and the Host Proxy settings are the local LAN address of the server / target machine.
reply to comment
please give us feedback |
Advertising | FAQ.Share
Created by Arne & Marcus.
| Powered by FreeBSD, Postgres & Catalyst.


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Works perfectly on its own, but when also installing the HTML Editor Syntax Highlighter plugin, it doesn't work anymore :(
These two plugins combined would make for a wonderful solution for editing post/pages containing lots of HTML. Is there any quick modification we could do for these to work together?
I realize it's nobody's responsibility to ensure inter-plugin compatibility (or even write free plugins in the first place!) but we would be eternally grateful a little help!


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Working with the Perl debugger
Some developers condemn the use of debuggers, but in many cases, a debugger is a programmer's last hope. In this Month's Perl Snapshot, we'll look at Perl's integrated debugger.
Linus Torvalds does not like debuggers. In Linus's opinion, it is far too easy to throw a piece of code together and use a debugger to beat some sense into it. Alternatives to debugging do exist. For instance, the careful application of logging removes the need for debugging in many cases. As you can read at [3], Log::Log4perl helps you integrate an appropriate level of debugging into an application and to remotely control debugging activities.
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LinuxCon North America Convenes in Toronto, Canada
Linux Foundation's big event celebrates the 25th anniversary of Linux
Linux Turns 25
Linux has evolved from a "won't be a professional" project to one of the most professional software projects in the history of computers.
Mirantis Joins Hands with SUSE To Offer RHEL Support; Red Hat Not Happy
Competitors get in the game with RHEL without Red Hat
Linux on Windows 10 Poses a Security Risk
Security researchers have already notified Microsoft; some fixes are available
Mirantis to Refactor OpenStack Fuel for Kubernetes
The company is collaborating with Google and Intel to use Kubernetes as an engine for Fuel
Canonical Joins Document Foundation Advisory Board
The upcoming release of LibreOffice will be available as a snap package
SUSE Joins the Microsoft Test Drive Program
Customers can take a free test drive of SLES for HPC on the Azure Cloud
SiFive Launches a Line of Open Source Chips
San Francisco-based chip company announces their first fully open source chip platform.
Fedora 24 Released
The whole distro gets rebuilt on glibc 2.3
Canonical Announces Cross-Distro Support for Snaps
Ubuntu Vendor tries to solve app packaging and distribution problem across distributions.


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full size
Product Details
Always cardigan
Rated 4.3 out of 5 by 37 reviewers.
Rated 5 out of 5 by smiles1003 Love this cardigan, wish material was different LOVE this cardigan, I have 4-5 in various colors. Perfect for when you need a little something in the spring or summer. However, I wish the material was better/different. I wash them in cold water, gentle cycle with woolite, hang dry and they still get those annoying bumps on them over time. However, I can't find another summer cardigan I like as much. June 2, 2015
Rated 5 out of 5 by bettyrubble7 Love this for summer! This is a VERY thin cardigan, perfect for summer wear. It lays beautifully and washes up well. June 18, 2015
Rated 4 out of 5 by Margarita Nice everday cardigan Very nice and versatile cardigan, that goes with everything. The material is very light (like a t-shirt), and could be thicker. June 9, 2015
Rated 5 out of 5 by Nece Great for cool evenings I love this cardigan. It's very versatile and goes great with lots of my clothes. It's not too thick or thin and is perfect for cooler buildings and evenings. June 23, 2015
Rated 4 out of 5 by Steph Comfy Lightweight Sweater The arms of the sweater were a bit too long, however, it is a very comfy lightweight sweater. Pockets would have given the sweater a nice touch, but overall I am happy with my purchase so far. May 28, 2015


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- Report: #810664
Report - Rebuttal - Arbitrate
Complaint Review: eVoice
eVoice6922 Hollywood Blvd., 5th Floor Los Angeles, California United States of America
eVoice j2 Global Communications, OneBox, eFax They will hold your number hostage if you try to leave - Los Angeles, California
Ripoff Report
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Now, since I have a functioning business what am I to do? I cannot let this number go....over 500 of my clients have this number and use it daily. I will be fighting this....and I hope that everyone else does the same that makes this mistake. DO NOT SWITCH TO EVOICE, THEY WILL NEVER LET YOU LEAVE - NOW I HAVE TO UPGRADE FROM A $40.00/month plan to a $199.99 per month plan....they will not win.
This report was posted on Ripoff Report on 12/17/2011 10:21 AM and is a permanent record located here: http://www.ripoffreport.com/r/eVoice/Los-Angeles-California-90028/eVoice-j2-Global-Communications-OneBox-eFax-They-will-hold-your-number-hostage-if-you-tr-810664. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Snowmassive Summer Continues Come one, come all to the Zoppé Italian Family Circus, Friday, Saturday and Sunday, August 28, 29 and 30, under the intimate Veneto Tent on the Lawn at Snowmass Base Village. Founded in 1842 by a French street clown and a Hungarian equestrienne ballerina, the Zoppé Circus is a traditional European circus with talented artists performing in the … [Read more...]
Jazz Aspen Snowmass Labor Day Festival
JAZZ ASPEN SNOWMASS LABOR DAY FESTIVAL September 3-5, 2010 Tickets On-Sale Now: Click here to purchase! Official Hotel of Jazz Aspen Snowmass: DATE ARTIST STAGE TIME 09/03/2010 THE NEW MASTERSOUNDS Outside Music Club In b/t main stage acts 09/03/2010 CALEXICO Main Festival Stage 4pm - doors … [Read more...]


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Borrowing From Tech Industry, U. of Phoenix Rebuilds Its Learning Platform
San Francisco
What would online higher education look like if it was designed using some of the principles behind Google, Yahoo, and Facebook?
Two years ago, leaders at the University of Phoenix decided that its software for students was outdated. So it hired...
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Posters: Uday Kiran's Last Film CCK First Look Released
Chitram Cheppina Katha (CCK) happens to be the last movie of late Telugu actor Uday Kiran, who committed suicide on January 5. The actor had completed shooting for this film. Now, the producers have unleashed the first look of the flick, which is scheduled to release in theatres during this Summer. Continue to see the posters of Uday Kiran's Chitram Cheppina Katha in the gallery.


text: United States Badminton Organization (USBO) Badminton Calendar is one of the most waited items by badminton players every year. In 2012, the USBO Badminton Calendar features sponsors from Yonex, Wilson, Li-Ning, Black Knight, and Ashaway with images of world top players such as Lin-Dan, Lee Chong Wei, Peter Gade, Mathias Boe, Carsten Mogensen, Holvy DePauw, Saina Nehwal, Ithanon Ratchanok and Christinna Pedersen. Limited quantity available.


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Category:Gussago, Cesario
Free public domain sheet music from IMSLP / Petrucci Music Library
Cesario Gussago(ca.1550 — fl.1612)
→Table of Contents: Top - A B C D E F G H I J K L M N O P Q R S T U V W X Y Z - Chart
xShow works by type/instrument
=Alternative Names/Transliterations: Gussaco , Cussago , Gussaghi
External links
- Detailed biography: HOASM ; Musica Bresciana (PDF, Italian)
- Recordings: None given
See also
Compositions (9)
Compositions by: Gussago, Cesario
The following 9 pages are in this category, out of 9 total.
S cont.
Collections (1)
Collections with: Gussago, Cesario
This category contains only the following page.


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I have just installed
When I go to the Settings --> WP Super Cache Manager page, I get:
"Permlink Structure Error
A custom url or permalink structure is required for this plugin to work correctly. Please go to the Permalinks Options Page to configure your permalinks."
Were can I get information on creating a suitable "A custom url or permalink structure"?
I got 2 hits when searching the forum, but neither shed any light on this.


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Kermit Roosevelt
TITLE: Professor of Law, University of Pennsylvania Law School
Professor of Law, University of Pennsylvania Law School, Philadelphia.PUBLICATIONS
Author of Conflict of Laws: Cases, Comments, Questions (2013), Conflict of Laws: Concepts and Insights (2010), The Myth of Judicial Activism: Making Sense of Supreme Court Decisions (2006), and In the Shadow of the Law (2005).
Primary Contributions (2)
Publications (3)
In the Shadow of the Law: A Novel (2006)
A Christian Science Monitor Best Book of the Year Winner of the Philadelphia Athenaeum Literary Award In the Shadow of the Law is the story of Morgan Siler, a powerful Washington, D.C., law firm that has transformed itself from a traditional practice serving those most in need into a shrewd giant serving the interests of the wealthy. Through the intertwined stories of a pro bono murder case and a class action lawsuit brought against a large chemical company,...
The Myth of Judicial Activism: Making Sense of Supreme Court Decisions (2008)
This carefully considered book is a welcome addition to the debate over 'judicial activism'. Constitutional scholar Kermit Roosevelt offers an elegantly simple way to resolve the heated discord between conservatives, who argue that the Constitution is immutable, and progressives, who insist it is a living document that must be reinterpreted in new cultural contexts so that its meaning evolves. Roosevelt uses plain language and compelling examples to explain how the Constitution can be both a constant...
Conflict of Laws: Cases, Comments, Questions, 9th Edition (American Casebook) (2013)
The new edition of the popular Conflicts book (formerly Currie, Kay, Kramer and Roosevelt) contains two new main cases for personal jurisdiction, one for extraterritorial application of US law, and one for the New York choice of law approach. In addition, the latest edition features revised materials on the European legal approach to include recent codifications in the Rome I and II conventions. This edition continues the tradition of organizing the teaching of conflicts around the broad themes reflected...
More Notable Contributors
Barry Goldwater
Jack Nicklaus
American Professional Golfer
Anthony Burgess
Robert Mugabe


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You Pay: $5.49
Questions? Ask our experts:
800.606.6969 Live Chat
The Maxell CD-340 Lens Cleaner cleans and demagnitizes all CD and CD ROM drive equipment using the Thunderon Brush System. It restores drive performance by removing dust and debris from the laser lens.
|Packaging Info
|Package Weight
|0.2 lb
|Box Dimensions (LxWxH)
|7.5 x 5.3 x 0.6"