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Safety Data Sheets Under the Revised Hazard Communication Standard
New chemicals used in an ever-widening variety of applications are continually being developed. Providing accurate, clear and concise information to people who use, handle or store hazardous chemicals is paramount.
On March 26, 2012, the Occupational Safety and Health Administration (OSHA) revised the Hazard Communication Standard, 29 Code of Federal Regulations (CFR) 1910.1200. The revision was effective 60 days thereafter and a four-year phase-in period was incorporated.
One of the most significant changes in the revised standard is the adoption of the United Nations' Globally Harmonized System of Classification and Labeling of Chemicals (GHS). This adoption provides a single set of harmonized criteria for classifying chemicals according to their health and physical hazards. The information required on the Safety Data Sheet (SDS), formerly referred to as a Material Safety Data Sheet (MSDS), has remained essentially the same. However, the revision requires the information on the SDS be presented using 16 specific headings in a specified sequence. 29 CFR 1910.1200(g) provides the heading information to be included and the order in which they are to be provided. 29 CFR 1910.1200 Appendix D provides the information to be included under each heading. The SDS format is the same as the American National Standards Institute Z400.1/Z129.1-2010 Hazardous Workplace Chemicals – Hazard Evaluation and Safety Data Sheet and Precautionary Labeling Preparation Standard format that is widely used in the U.S. and is already familiar to many.
Sections 1 through 8 of the SDS contain general information about the chemical, identification, hazards, composition, safe handling practices and emergency control measures. Sections 9 through 11 and 16 contain other technical and scientific information, such as physical and chemical properties, stability and reactivity information, toxicological information, exposure control information and other information including the date of preparation or last revision. To be consistent with GHS, the SDS must also contain Sections 12 through 15: ecological information, disposal considerations, transport information and other regulatory information. OSHA does not enforce the content of these sections because they fall outside of its jurisdiction. A description of all 16 sections of the SDS, along with their contents, is given below:
Identifies the chemical and the recommended uses. It also provides the supplier's essential contact information. Required information consists of:
- Product identifier used on the label and any other common names or synonyms by which the substance is known
- Name, address, phone number of the manufacturer, importer or other responsible party, and emergency phone number
- Recommended use of the chemical; a brief description of what it actually does and any restrictions on use
Identifies the hazards of the chemical and the appropriate warning information associated with those hazards. Required information consists of:
- Hazard classification of the chemical
- Signal word
- Hazard statement(s)
- Pictograms
- Precautionary statement(s)
- Description of any hazards not otherwise classified
- For a mixture that contains an ingredient(s) with unknown toxicity, a statement describing how much (percentage) of the mixture consists of ingredient(s) with unknown acute toxicity. This is a total percentage of the mixture and not tied to the individual ingredient(s).
Identifies the ingredient(s) contained in the product, including impurities and stabilizing additives. This section includes information on substances, mixtures and all chemicals where a trade secret is claimed. Required information consists of:
- Substances
- Chemical name
- Common name and synonyms
- Chemical Abstracts Service (CAS) number and other unique identifiers
- Impurities and stabilizing additives, which are themselves classified and contribute to the classification of the chemical
- Mixtures
- Same information required for substances
- The chemical name and exact percentage of all ingredients that are classified as health hazards and are:
- Present above their cut-off/concentration limits or
- Present a health risk below the cut-off/concentration limits
- The exact percentages of each ingredient must be specified except concentration ranges may be used in the following situations:
- - A trade secret claim is made
- - There is batch-to-batch variation
- - The SDS is used for a group of substantially similar mixtures
- Chemicals where a trade secret is claimed
- A statement that the specific chemical identity and/or exact percentage (concentration) of composition has been withheld as a trade secret is required
Describes the initial care that should be given by responders to an individual who has been exposed to the chemical. Required information consists of:
- Necessary first aid instructions relevant to the route(s) of exposure: inhalation, skin and eye contact, and ingestion
- Description of the most important symptoms or effects, and any symptoms that are acute or delayed
- Recommendations for immediate medical care and special treatment needed, when necessary
Provides recommendations for fighting a fire caused by the chemical. Required information consists of:
- Recommendations of suitable extinguishing equipment
- Information about extinguishing equipment that is not appropriate for a particular situation
- Advice on specific hazards that develop from the chemical during the fire; any hazardous combustion products created when the chemical burns
- Recommendations on special protective equipment or precautions for firefighters
Provides recommendations on the appropriate response to spills, leaks or releases, including containment and cleanup practices to prevent or minimize exposure to people, properties or the environment. It may also include recommendations distinguishing between responses for large and small spills where the spill volume has a significant impact on the hazard. Required information may consist of recommendations for:
- Use of precautions and protective equipment to prevent the contamination of skin, eyes and clothing
- Emergency procedures, including instructions for evacuations, consulting experts when needed, and appropriate protective clothing
- Methods and materials used for containment
- Cleanup procedures/techniques
Provides guidance on the safe handling practices and conditions for safe storage of chemicals. Required information consists of:
- Precautions for safe handling, including recommendations for handling incompatible chemicals, minimizing the release of the chemical into the environment and providing advice on general hygiene practices
- Recommendations on the conditions for safe storage, including any incompatibilities
Indicates the exposure limits, engineering controls and personal protective measures that can be used to minimize worker exposure. Required information consists of:
- OSHA Permissible Exposure Limits (PELs), American Conference of Governmental Industrial Hygienists (ACGIH) Threshold Limit Values (TLVs) and any other exposure limit used or recommended by the chemical manufacturer, importer or employer preparing the safety data sheet, where available
- Appropriate engineering controls
- Recommendations for personal protective measures to prevent illness or injury from exposure to chemicals, such as personal protective equipment (PPE) and any special requirements for the PPE
Identifies physical and chemical properties associated with the substance or mixture. Minimum required information consists of:
- Appearance (physical state, color, etc.)
- Upper/lower flammability or explosive limits
- Odor
- Vapor pressure
- Odor threshold
- Vapor density
- pH
- Relative density
- Melting point/freezing point
- Solubility(ies)
- Initial boiling point and boiling range
- Partition coefficient: n-octanol/water
- Flash point
- Auto-ignition temperature
- Evaporation rate
- Decomposition temperature
- Flammability (solid, gas)
- Viscosity
Every item listed above may not be relevant or available. When this occurs, a notation to that effect must be made for that chemical property. Manufacturers may also add other relevant properties.
Describes the reactivity hazards of the chemical and the chemical stability information. Required information consists of:
- Reactivity
- Description of the specific test data for the chemical(s). This data can be for a class or family of the chemical if such data adequately represent the anticipated hazard of the chemical(s), where available.
- Chemical stability
- Indication of whether the chemical is stable or unstable under normal ambient temperature and conditions while in storage and being handled
- Description of any stabilizers that may be needed to maintain chemical stability
- Indication of any safety issues that may arise should the product change in physical appearance
- Other
- Indication of the possibility of hazardous reactions, including a statement as to whether the chemical will react or polymerize, which could release excess pressure or heat, or create other hazardous conditions
- Description of the conditions under which hazardous reactions may occur
- List of all conditions that should be avoided
- List of all classes of incompatible materials with which the chemical could react to produce a hazardous situation
- List of any known or anticipated hazardous decomposition products that could be produced because of use, storage or heating
Identifies toxicological and health effects information or indicates that such data are not available. Required information consists of:
- Information on the likely routes of exposure: inhalation, ingestion and/or skin and eye contact
- The SDS should indicate if the information is unknown
- Description of the delayed, immediate or chronic effects from short- and long-term exposure
- The numerical measures of toxicity
- Description of the symptoms
- This description includes the symptoms associated with exposure from the lowest to the most severe exposure
- Indication of whether the chemical is listed in the National Toxicology Program (NTP) Report on Carcinogens or has been found to be a potential carcinogen in the International Agency for Research on Cancer (IARC) Monographs or found to be a potential carcinogen by OSHA
Provides information to evaluate the environmental impact of the chemical(s) if it were released to the environment. The information may include:
- Data from toxicity tests performed on aquatic and/or terrestrial organisms, where available
- Whether there is a potential for the chemical to persist and degrade in the environment either through biodegradation or other processes, such as oxidation or hydrolysis
- Results of tests of bioaccumulation potential, making reference to the octanol-water partition coefficient and the bioconcentration factor where available
- The potential for a substance to move from the soil to the groundwater
- Other adverse effects: environmental fate, ozone layer depletion potential, photochemical ozone creation potential, endocrine disrupting potential and/or global warming potential
Provides guidance on proper disposal practices, recycling or reclamation of the chemical(s) or its container, and safe handling practices. To minimize exposure, this section should also refer the reader to Section 8 (Exposure Controls/Personal Protection) of the SDS. The information may include:
- Description of appropriate disposal containers to use
- Recommendations of appropriate disposal methods to employ
- Description of the physical and chemical properties that may affect disposal activities
- Language discouraging sewage disposal
- Any special precautions for landfills or incineration activities
Provides guidance on classification information for shipping and transporting of hazardous chemical(s) by road, air, rail or sea. The information may include:
- UN number
- UN proper shipping name
- Transport hazard class(es)
- Packing group number, if applicable, based on the degree of hazard
- Environmental hazards
- Guidance on transport in bulk
- Any special precautions an employee should be aware of or needs to comply with, in connection with transport or conveyance either within or outside their premises
Identifies any national and/or regional safety, health and environmental regulations specific for the product that are not indicated anywhere else on the SDS.
Indicates when the SDS was prepared or when the last known revision was made. The SDS may also state where the changes have been made to the previous version. Other useful information also may be included here.
SDSs are the backbone of the Hazard Communication Standard. They provide comprehensive and specific chemical information used not only by workplaces that manufacture, use, transport or store hazardous chemicals, but also by emergency responders, poison control centers and transporters of dangerous goods. The revised Hazard Communication Standard provides a single set of harmonized criteria for classifying chemicals and also stipulates specific hazard communication elements for SDS labeling, all in an effort to help improve the safety and health protections for America's workers.
- Hazard classification: The definitions of hazard have been changed to provide specific criteria for classification of health and physical hazards, as well as classification of mixtures. These specific criteria will help to ensure that evaluations of hazardous effects are consistent across manufacturers, and that labels and safety data sheets are more accurate as a result.
- Labels: Chemical manufacturers and importers will be required to provide a shipped to container label that includes a harmonized signal word, pictogram and hazard statement for each hazard class and category. Precautionary statements must also be provided.
- Safety Data Sheets: Will now have a specified 16-section format.
- Technical updates for minor terminology changes
- Direct Final Rules for text clarification
- Notice and Comment rulemaking for more substantive or controversial updates such as additional criteria or changes in health or safety hazard classes or categories
|Effective Completion Date
|Responsible Party(ies)
|December 1, 2013
|Train employees on the new label elements and SDS format.
|June 1, 2015
December 1, 2015
|Comply with all modified provisions of the final rule, except:
Distributors may ship products labeled by manufacturers under the old system until December 1, 2015.
|Chemical manufacturers, importers, distributors and employers
|June 1, 2016
|Update alternative workplace labeling and hazard communication program as necessary, and provide additional employee training for new identified physical or health hazards.
|Transition Period
|Comply with either the revised final standard, the current standard, or both.
|All chemical manufacturers, importers, distributors and employers
American National Standards Institute Z400.1/Z129.1-2010 Hazardous Workplace Chemicals – Hazard Evaluation and Safety Data Sheet and Precautionary Labeling Preparation Standard
Occupational Safety and Health Administration HAZCOM 2012
United Nations Globally Harmonized System of Classification and Labelling of Chemicals (GHS)
29 Code of Federal Regulations (CFR) 1910.1200
(Rev. 4/2015)
Find even more information you can use to help make informed decisions about the regulatory issues you face in your workplace every day. View all Quick Tips Technical Resources at www.grainger.com/quicktips.
Think Safety. Think Grainger.®
Grainger has the products, services and resources to help keep employees safe and healthy while operating safer facilities. You'll also find a network of safety resources that help you stay in compliance and protect employees from hazardous situations. Count on Grainger for lockout tagout, fall protection equipment, confined space products, safety signs, personal protective equipment (PPE), emergency response and so much more!
Please Note:
The information contained in this publication is intended for general information purposes only and is based on information available as of the initial date of publication. No representation is made that the information or references are complete or remain current. This publication is not a substitute for review of the current applicable government regulations and standards specific to your location and business activity, and should not be construed as legal advice or opinion. Readers with specific questions should refer to the applicable standards or consult with an attorney.
©2016 W.W. Grainger, Inc.


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Key Information
Modes and duration
- Full-time: 1 year
- Flexible: 3-5 years
- Distance learning: available
Programme start date
Tuition Fees (2016/17)
- Overseas:
Application dates
Entry Requirements
Normally a minimum of a second-class Bachelor's degree in a relevant discipline from a UK university or an overseas qualification of an equivalent standard. Relevant disciplines include science subjects, for example engineering or computer science; or social science subjects, for example, psychology, criminology or geography. Alternatively candidates may qualify for entry if they can offer five or more years of relevant professional experience (for example in the police service, or as a crime prevention worker).
English Language Requirements
If your education has not been conducted in the English language, you will be expected to demonstrate evidence of an adequate level of English proficiency.
The English language level for this programme is: Good
Further information can be found on our English language requirements page.
International students
Country-specific information, including details of when UCL representatives are visiting your part of the world, can be obtained from the International Students website.
International applicants can find out the equivalent qualification for their country by selecting from the list below.
Select your country:
Degree Information
Students develop the ability to apply scientific principles to crime control, think more strategically in developing and implementing crime control policies, appreciate the complexity of implementation issues, critically assess the likely impact of planned crime reduction initiatives and generate more innovative proposals for reducing particular crime problems.
Students undertake modules to the value of 180 credits.
The programme consists of four core modules (60 credits), four optional modules (60 credits) and a research dissertation (60 credits).
A Postgraduate Diploma comprising four core modules (60 credits) and four optional modules (60 credits) is offered.
Core Modules
- Foundations of Security and Crime Science
- Designing and Doing Research
- Preventing Crimes
- Quantitative Methods
- Students choose four of the following:
- Perspectives on Organised Crime
- Crime Mapping and Spatial Analysis
- Investigation and Detection
- Intelligence Gathering and Analysis
- Qualitative Methods
- Cybercrime
All students undertake an independent research project which culminates in a dissertation of approximately 10,000 words.
Teaching and Learning
The programme is delivered through lectures, seminars, tutorials, projects, laboratory classes, and practical exercises. Practical work will involve the analysis and interpretation of data sets, and the development of new ideas for solving problems. Assessment is through lab and project reports, unseen written examination, coursework, presentations, and the dissertation.
UCL Security and Crime Science is offering up to 14 bursary scholarships of between £2,500 and £10,000 to outstanding applicants who have been offered places in one of our MSc programmes
For further information, please visit our website.
Scholarships relevant to this department are displayed (where available) below. For a comprehensive list of the funding opportunities available at UCL, including funding relevant to your nationality, please visit the Scholarships and Funding website.
Brown Family Bursary - SUCCESSFUL CANDIDATES HAVE BEEN NOTIFIED FOR 2016/17
- Value:
- £15,000 (1 year)
- Eligibility:
- UK students
- Criteria:
- Based on both academic merit and financial need
Department of Security and Crime Science Bursary Scholarships
- Value:
- £2,500 - £10,000 (1 year)
- Eligibility:
- UK, EU, Overseas students
- Criteria:
- Based on academic merit
More scholarships are listed on the Scholarships and Funding website
Many graduates now work in the field of crime prevention and detection for public sector employers such as the Home Office, Police and Ministry of Defence, or private sector companies with a crime prevention and community safety focus. Other graduates go on to further doctoral research.
Top career destinations for this degree
- Supply Chain Analyst, Sainsbury's
- Compliance Manager, Siemens
- Senior Environment Crime Officer, The Environment Agency
- Intelligence Analyst, British Transport Police
- IT Consultant, Blue Fine Solutions
Each year we ask our graduates to tell us about their experience of the programme and their career after leaving UCL and we include some real-life graduate profiles on our website.
Why study this degree at UCL?
The UCL Security & Crime Science is a world-first, devoted specifically to reducing crime through teaching, research, public policy analysis and by the dissemination of evidence-based information on crime reduction.
The Crime Science MSc is a multidisciplinary degree, drawing on expertise in psychology, social science, statistics, mathematics, architecture, forensic sciences, design, geography and computing.
Our graduate students come from varied backgrounds; many are practitioners and are encouraged to contribute their experience in and out of the classroom.
Student / staff ratios › 12 staff › 120 taught students › 62 research students
Department: Security & Crime Science
Degree reviews
"Given my academic interest in criminology, I am truly fascinated by the novel approach to crime and security problems that is adopted by UCL Security and Crime Science. More specifically, what excites me most in the field of crime science, is the multi-disciplinary nature of the research. Various disciplines (for example, statistics, law, geography, psychology) are brought together, producing effective responses to crime-related problems."
Fryni KostaraCrime Science MSc
Application and next steps
Students are advised to apply as early as possible due to competition for places. Those applying for scholarship funding (particularly overseas applicants) should take note of application deadlines.
Who can apply?
The programme is particularly suitable for students with a background in science subjects such as engineering or computer science, or social science subjects such as psychology, criminology or geography, who wish to develop the skills necessary for a career or further doctoral research in this field.
Application deadlines
- All applicants
- 29 July 2016
For more information see our Applications page.Apply now
What are we looking for?When we assess your application we would like to learn:
- what particularly attracts you to this particular programme
- why you want to study this subject in the Faculty of Engineering Sciences at UCL, rather than elsewhere
- how your academic and professional background meets the demands of this programme
- if you are aware and comfortable with the fact that the programme includes courses on statistics and quantitative analysis, as well as a general emphasis on the scientific method and empirical research
- where you would like to go professionally with your degree
- if you are aware and comfortable with the fact that the programme differs from a traditional criminology programme, and instead focuses practically on how to prevent and detect crimes by treating the crime rather than the offender as the subject of analysis
Contact Information
- Miss Jo Williams
- email@example.com
- +44 (0)20 3108 3153

subset: commoncrawl


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Suzanne Proulx exhibit comments on impulse to control nature
Recycling materials to make more of the same material is fine, responsible and effective. Recycling materials to make something completely different, something creative and artistic and thoughtful, is magical.
Suzanne Proulx has those supernatural powers. Like kindred spirit and artist Fran Schanz, Proulx sees the detritus of contemporary life -- things as ubiquitous and seemingly insipid as dryer lint, pop cans, and plastic bottles -- and is inspired.
You will be, too, when you see her "Still Life" exhibit at the Erie Art Museum. The display is ensconced in the intimate McCain Family Gallery, which allows visitors to closely engage with the art.
This is a collection for and about all of us, Proulx explains, noting that it's her exploration of how we in modern society "yearn for an authentic interaction with nature while simultaneously destroying it."
Rather than relying on decomposition, Proulx opts for recomposition: finding new uses for both organic and inorganic by-products. Scampering throughout the exhibit are more than a dozen of her "Dust Bunnies," leporine creatures formed from years of accumulated household lint and debris. They note the passage of time in dust motes rather than minutes.
They share the space with two huge bison heads, one constructed of actual shed bison fur, the other from shredded plastic bottles. Both contain video elements projected inside the enormous skulls, but the triumphs here are the structures themselves. Majestic creatures once on the brink of extinction are recreated as revered but artificial beasts.
Proulx has made a series of cow skulls from plastic milk jugs; deer skulls from manipulated packing tape and Scotch tape; and an armored rhino head from aluminum cans. Many of the materials -- through their manufacture or our disposal -- play a part in the ongoing threat to these animals, their habitats and our environment.
Ultimately, Proulx said, her exhibit "comments on our impulse to control nature, our alienation from and destruction of it, and the desire to experience a wilder landscape that exists only in our inspiration." She suggests we love nature enough to leave it alone, and if we can't do that, at least be honest about our place in the circle of life.


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After a one week break, the Somerset County Tournament gets back in the swing this Saturday with the quarterfinal round.
The top four seeds will see action for the first time this tournament, including top-seeded and No. 9 Bridgewater-Raritan, which is seeking its fourth straight county title and second-seeded and No. 18 Montgomery, which is seeking its first.
Here is the schedule:
7-Ridge at 2-
6-Hillsborough at 3-Pingry, 2
The semis are slated for Thursday, Oct. 20 with the final scheduled for Saturday, Oct. 22 at Mount St. Mary in Watchung.
The Union County Tournament, which was seeded on Thursday, gets under way on Saturday with first round games.
Union will not participate in the UCT thereby giving top-seeded and No. 1 Oak Knoll a bye into the semifinal round. No. 13 Johnson, which is seeking its second title in three years, is seeded second.
All three first round games will be played at Kent Place's upper and lower fields in Summit on Saturday.
Here is the schedule:
The semis will be held next Saturday, Oct. 22 at Johnson's field turf in Clark at 5 and 7:30 p.m. and the final is slated for Sunday, Oct. 30 at Kean University in Union at 2 p.m.


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SEATTLE - An elaborately carved, 36-foot totem pole created to be a decoration at the Port of Olympia - but then rejected because of its chief carver's criminal record - has been purchased for a Seattle museum.
Collector Charles Pancerzewski paid $30,352, about half the original cost, for the American Indian totem pole called a welcome pole. He bought it after it was put up for auction and donated it to the Burke Museum of Natural History and Culture at the University of Washington last month.
"We're primarily interested in the art," Pancerzewski said. "There are people who sometimes do things they shouldn't. That's not for me to judge."
The pole was completed in 2001 by chief carver Douglas Tobin and other carvers.
Tobin had served eight years in prison for driving the getaway car in the hired killing of Joann Jirovec, an employee of Evergreen State College in Olympia.
The pole features such images as a man's head emerging from the blowhole of a killer whale, and Mother Earth holding a man and woman.
© 2016. All Rights Reserved. | Contact Us


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- Save key vehicle and machine information such as make and model and vehicle registration
- Add vehicle reminders including servicing, oil change, tyre pressure, insurance and more
- Add machine reminders including oil checks, pressure checks, planned shutdown times and more
- View Shell LubeMatch lubricants recommendations including technical and safety data sheets
- Use the LED torch (for devices with flash) to look under the bonnet or inspect machinery when it's dark
- Explore social, video and photo content and access the latest news and promotions
- Access and edit your details from multiple devices
- And so much more
For the best user experience, we recommend using the app whilst connected to WiFi.
Have questions, problems or feedback? Please email us at email@example.com


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William J. Bremner, M.D., Ph.D.
Metabolism, Endocrinology and Nutrition
Department of Medicine Chair
Robert G. Petersdorf Professor of Medicine
Mechanisms for central nervous system control of pituitary gonadotropin secretion and the effects of gonadotropins on gonadal function. Major physiological and clinical questions being addressed include: (1) Can a safe, effective, reversible contraceptive for men be developed? (2) What are the effects of aging on the male reproductive endocrine system? (3) What are the effects of androgens in men and women? (4) What are the relative roles of LH and FSH in controlling testicular function?
Page ST, BA Mohr, CL Link, AB O'Donnell, WJ Bremner, JB McKinlay. Higher testosterone levels are associated with increased high-density lipoprotein cholesterol in men with cardiovascular disease: results from the Massachusetts Male Aging Study. Asian J Androl. 10:193-200, 2008.
Page ST, WJ Bremner, RV Clark, MA Bush, H Zhi, RB Caricofe, PM Smith, JK Amory. Nanomilled oral testosterone plus dutasteride effectively normalizes serum testosterone in normal men with induced Hypogonadism. J Androl. 29:222-227, 2008.
Amory JK, AD Coviello, ST Page, BD Anawalt, AM Matsumoto, WJ Bremner. Serum 17-hydroxyprogesterone strongly correlates with intratesticular testosterone in gonadotropin-suppressed normal men receiving various dosages of human chorionic gonadotropin. Fertil Steril. 89:380-386, 2008.
Liu PY, Swerdloff RS, Anawalt BD, Anderson RA, Bremner WJ, Elliesen J, Gu YQ, Kersemaekers WM, McLachlan RI, Meriggiola MC, Nieschlag E, Sitruk-Ware R, Vogelsong K, Wang XH, Wu FC, Zitzmann M, Handelsman DJ, Wang C. Determinants of the rate and extent of spermatogenic suppression during hormonal male contraception: an integrated analysis. J Clin Endocrinol Metab. 93:1774-1783, 2008.
Amory JK, BD Anawalt, AM Matsumoto, ST Page, WJ Bremner, C Wang, RS Swerdloff, RV Clark. The effect of 5alpha-reductase inhibition with dutasteride and finasteride on bone mineral density, serum lipoproteins, hemoglobin, prostate specific antigen and sexual function in healthy young men. J Urol. 179:2333-2338, 2008.
Roth MY, Lin K, Amory JK, Matsumoto AM, Anawalt BD, Snyder CN, KalhornTF, Bremner WJ, Page ST. Serum LH correlates highly with intratesticular steroid levels in normal men. J Androl. 31:138-145, 2010.
Bremner WJ. Testosterone deficiency and replacement in older men. N Engl J Med. 363:189-191, 2010.
Amory JK, Leonard TW, Page ST, O'Toole E, McKenna MJ, Bremner WJ. Oral administration of the GnRH antagonist acyline, in a GIPET-enhanced tablet form, acutely suppresses serum testosterone in normal men: single-dose pharmacokinetics and pharmacodynamics. Cancer Chemother Pharmacol. 64:641-645, 2009.
Mahabadi V, Amory JK, Swerdloff RS, Bremner WJ, Page ST, Sitruk-Ware R, Christensen PD, Kumar N, Tsong YY, Blithe D, Wang C. Combined transdermal testosterone gel and the progestin nestorone suppresses serum gonadotropins in men. J Clin Endocrinol Metab. 94:2313-2320, 2009.
Snyder CN, Clark RV, Caricofe RB, Bush MA, Roth MY, Page ST, Bremner WJ, Amory JK. Pharmacokinetics of 2 novel formulations of modified-release oral testosterone alone and with finasteride in normal men with experimental hypogonadism. J Androl. 31:527-535, 2010.
Roth MY, Page ST, Lin K, Anawalt BD, Matsumoto AM, Snyder CN, Marck BT, Bremner WJ, Amory JK. Dose-dependent increase in intratesticular testosterone by very low-dose human chorionic gonadotropin in normal men with experimental gonadotropin deficiency. J Clin Endocrinol Metab. 95:3806-3813, 2010.
Roth MY, Page ST, Lin K, Anawalt BD, Matsumoto AM, Marck B, Bremner WJ, Amory JK. The effect of gonadotropin withdrawal and stimulation with human chorionic gonadotropin on intratesticular androstenedione and DHEA in normal men. J Clin Endocrinol Metab
Staiger TO, Wong EY, Schleyer AM, Martin DP, Levinson W, Bremner WJ. The role of quality improvement and patient safety in academic promotion: results of a survey of chairs of departments of internal medicine in North America. Am J Med. 124:277-80, 2011.
Lee A, Rubinow K, Clark RV, Caricofe RB, Bush MA, Zhi H, Roth MY, Page ST, Bremner WJ, Amory JK. Pharmacokinetics of Modified Slow-Release Oral Testosterone over Nine Days in Normal Men with Experimental Hypogonadism. J Androl.


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Solutions for Chapter 20
20.1 Example 20.1 shows the values for . The others are done on a spreadsheet. For , the values of the function at x = 0.4 and 0.6 are 0.3744 and 0.4704. Thus we have
For , the values of the function at x = 0.49 and 0.51 are 0.43235 and 0.44235. Substituting those values in the above formulae produces the results shown in Table 20.1. The spreadsheet carries more digits than are shown here, so if you check these calculations you may get slightly different results, due to round off error.


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Wash. Voters Will Weigh in on Initiative on Initiatives
Washington state residents have plenty of experience voting on new law proposals, but next month they'll decide on an "initiative on initiatives" that would make it easier to get such measures on the ballot.
The proposal, Initiative 517, was sparked in part by legal battles over local measures seeking to block red light cameras, including one case last year that went to the state Supreme Court.
By requiring that voters be allowed to have their say on any proposal that qualifies for the ballot — even if a lawsuit has been filed against it — the initiative pushes back at cities that have sued to block local challenges to the cameras.
The initiative also would allow more time to collect signatures and make it a misdemeanor to interfere with signature-gathers.


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"I talked to Coach Sendek and he has pulled me aside a couple times and told me it's about your self-talk." Gordon said. "My brother has been through the slump, I have been in slumps before so just staying with it I eventually knew it was going to come."
With his well-known older brother, New Orleans Hornets' Eric Gordon in attendance, the younger Gordon was nonchalant about his big performance in front of his brother who is more than qualified to offer him some pointers.
"It's exciting I guess" Gordon added with a smile. "I've played good in front of him, I've played bad in front of him so at least he wont critique me too much tonight. It was good seeing him up there.
"He [Eric] called me after my first game and he came out to Las Vegas and talked to me about my game. He said when you're shooting like that, take it to the hole more and get it through the hoop before you start shooting outside."
Arizona State Head Coach Herb Sendek saw more from the guard than just his offensive performance. He noted that Gordon's performance on the other end of the court has been impressive amid his shooting slump this year.
"The one thing I'll say about Evan is through that entire stretch, he was really good on defense," Sendek remarked. "A lot of the times when someone struggles on offense, they aren't into it defensively because their mind is someplace else. His defense has been really good, and that is not as easy as it may sound."
ASU seemed to put the past in the past Saturday night, forgetting about their recent struggles in Wednesday's win against Arkansas Pine-Bluff and their zone defense. Overall ASU shot 48.4 percent from the field, with 21 assists off of 31 made shots. It was a display that Sendek was content with.
"I really was pleased with our ball movement," Sendek noted. "I just thought offensively for the most part, we were in really good rhythm tonight. We shared the ball, we moved the ball, and we made shots. Sometimes it's as simple as that. When the ball is going into the basket, everything seems better.
Carrick Felix quietly had his first career double-double performance, with 21 points and a career-high 12 rebounds. The senior is undoubtedly having a solid season for the Sun Devils, now averaging more than 16 points and six rebounds a game.
"Carrick continues to play outstanding basketball on both ends of the floor." Coach Sendek commented. "He had to guard (john) Dickson for most of the night down on the other end and he was on the glass and was 9-13 from the field and just had a terrific game"
"Carrick has been a glue guy for us." Gordon also added about the senior forward. "When we need scoring, he is there with leadership so he has been stepping up."
Freshman Eric Jacobson who entered tonight's game with 10 rebounds and three offensive boards blew those numbers out of the water as he posted six offensive boards and nine rebounds, overall another element in tonight's win.
"Eric Jacobsen did a really great job of covering the floor," Sendek said. "For a young big guy he really moves his feet well, he has an extremely high basketball IQ. Carrick and Eric Jacobson both came up with their share of balls, and that's an area that quite frankly we haven't been good at for a long time so it was good to see those guys come up with those kind of plays to get some extra possessions."
Beyond the offensive performances by Gordon and Felix, ASU defensively struggled at times to shut down the Hornet offense that seemed to keep their swarm alive, with four players with points in the double-digits.
"I thought for much of the second half our defense wasn't up to standard." Coach Sendek commented. " At one point well into the second half they were shooting 57 percent from the field. And it seemed that even though we were shooting more, we were having a hard time getting any gap because our defense wasn't what it needed to be.
"I think we got beat off the dribble, we got too spread out. To their credit they are a good shooting team and they made us pay."
Arizona State now sets their sights to next game, Wednesday where they take on the 4-3 Hartford Hawks at Wells Fargo Arena.


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When the industry just started to protest against Google for personalized search and companies like Microsoft and DuckDuckGo trying to attract users with their "Unbiased" search results, Facebook takes put thems... http://www.facebook.com/graphsearch
Old news but many may not know !
Anybody around Hyderabad interested to work with local Java User Group and take up a JSR in Java EE 7 ? Let me know. https://blogs.oracle.com/arungupta/entry/adopt_a_jsr_for_java
First of all its so difficult to catch such criminals in such a vast population of India. If police manages to catch, one can hardly keep them in Jail till trial finished due to political connection. after the trial finishes after decades they get...
Finally W3C Team (@w3c) completes #HTML5 definition. http://www.w3.org/News/2012#entry-9667
It may save so much time of your life.
Fanboys , Haters #sameguys https://riothouse.wordpress.com/2012/11/08/fanboys-haters-sameguys/
How to go to space in Simple language http://www.xkcd.com/1133/
Remarkable work by Hrishikesh Joglekar and Team, Congratulations ! http://www.ted.com/talks/rajesh_rao_computing_a_rosetta_stone_for_the_indus_script.html
This might just solve the annoying two headed FB profile pictures, I always get confused whose comment/post is this until I pay attention to the name next to the thumbnail photo
My guest post on #JavaFx http://fxexperience.com/2012/11/javafx-links-of-the-week-november-12/
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There are many things that go into the making of a great picture. There are photographers who are great at making a good looking image, but only have one style of taking pictures. There are others that have great personalities, but lack the technical skill to produce a truly stunning image.
We turn a memory of a lifetime into a lifetime of memories by the capturing the romance of the day with special care to the details and emotions of your special day.
I'm absolutely passionate about photography and I truly enjoy photographing weddings! I will ensure that the true emotions of your wedding day live on forever.
We always go the extra mile, bringing excellent service, creativity, efficiency, technical skill, and fun to every wedding. Our focus is on fulfilling each couple's unique desires, helping ensure that you'll have exquisite, timeless images to remember it all during all the days to come…
You will rest easy on your special day because you already know that Eye Connoisseur Photography is as dedicated to capturing the memories of your special day as you are dedicated to making the memory special.
CineCrown is a new, awards winning, rapidly recognized studio that specializes in vivid and vibrant photography & cinematic filmmaker. Our teams share our prestigious ideas, work hard and dedicate ourselves to create something absolutely original, just for you. We capture the moment that you can relive over and over again.
Five different collections and Ala Carte pricing are available to give couples choices to fit their needs. I look forward to personally working with you to design unique and beautiful photography.
Capturing Life's Precious Moments: Professional Photographer specializing in weddings, engagements, special events, and on-location photography. Packages can be customized to your specific needs.
With a team that can only be described as the best in the business, we have mastered the perfect blend of digital and traditional technology that assures the perfect result.
Diana's style of wedding photography is a mixture of classic tradition, candid, journalistic and just plain fun. Her unique approach shows in her images.
Each wedding has its unique style and so I strive to capture that essence in all my images. Because of my unobtrusive approach to photographing people, I am able to capture the natural expressions
"I am honored to create family heirlooms that will be cherished for generations."
I consider myself a Portrait Journalist, capturing moments rather then forced poses. Some poses must be set to get a certain look or feel but I wait for that second of unexpectedness that really makes
With refined technical skills and an artistic vision, she captures the tale of any wedding day with a unique perspective. Florence has the ability to create a comfortable atmosphere for people.
I'm excited to capture the love, laughter, and happiness in your life. My style is journalistic, romantic, and relaxed. I believe in the power of those unguarded, fleeting moments.
Carmen Salazar, Photographer will capture your treasured memories to pave your own memory lane.
When I shoot a wedding, my goal is to capture those deeply incredible moments that make your special day so unique. It may be a look or a laugh or a kiss. But when the moment comes, I will be ready.
Mike Phan is an international wedding photographer based in California. He will travel for destination weddings.
Debbie is available for worldwide travel as well as hometown weddings. Your wedding package can be custom created to suit your specific needs.
We shoot people for a living…but only if they smile. We love…love. We love to make people smile. We don't like negativity.
Your big day is special to Lindsey Erickson Photography. We strive to portray the love and passion of your day in our photos.
My passion is sharing in and creating lifelong memories for brides and grooms.
Kelly Jensen Photography...from the heart.


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Top Definition
Getting work done as quickly as possible, to make things happen without delay
Tommy will surely fasttrack the work process. Dont Worry!
από Milzzz 3 Αύγουστος 2009
Trending Now
Can you define these popular missing words?
The sharing-network that is used by popular programs like KaZaa, Grokster and MLDonkey.
Warez is for the poor.
από zacon 29 Νοέμβριος 2003
A common replacement for every swear word out there
shut the FastTrack up you dirty FastTracker
από lorsyN 19 Νοέμβριος 2010
A group of neeks in a class who go to The Hollyfield School. Often in the bottom group for P.E and enjoy maths. It is very rare for them to have more than a handfull of friends of which are also in fast track.
Guy 1: Are you in Fast Track?
Guy 2: Yes, why?
Guy 1: No wonder your such a neek.
Guy 2: Yes, why?
Guy 1: No wonder your such a neek.
από hatter123 13 Απρίλιος 2011


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2,665 words (≈ 11 minutes)
Sarah's husband Randy died a hero, but Sarah missed him terribly. A proposal from a stranger presented a difficult choice. How far would Sarah go to bring Randy back from the dead? This is Book #23 in the Fruithills Suspense Series, a place that has never lost its ties to a spirit-filled past.
Language: English
Written in: 2013
Published: 2013-09-24
Word count: 2,665 words (≈ 11 minutes)
Tags: Is Death Really Final, Choice between Life and Death
Fascinated by the fairy tales told by her father, RoseMary Sherwin McDaniel (a.k.a. Amy Hayle, pen name) felt an instinctive tie to her Irish heritage. From the age of five, she penned her own stories, but her serious adult writing efforts were concentrated in Indiana and Michigan historical writing that led to a area newspaper column, "Climbing Your Family Tree."
Sharing a September 15 birthday with mystery author Agatha Christie, she yearned to be published. Some years ago, after joining a writer's group, she achieved her goal of getting a romance story published in a national magazine, which led to a series of unpublished short stories, due to her lack of time to devote to submitting them for publication.
Not until recently when she was one of the first members of a new writer's group in the small northern Indiana town near "the Fruithills," did she dust off those stories and ideas.
Thanks to the ease of self-publishing on feedbooks.com Original Books, she has published 29 books, including the first 19 of the Fruithills Suspense Series." Watch for more in this series featuring places that have never lost their tie to a spirit-filled past.


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Winter Garden FL Real Estate & Homes for Sale
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The median home value in Winter Garden, FL is $295,000.
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the county median home value of $149,700.
The national median home value is $177,414.
The average price of homes sold in Winter Garden, FL is $295,000.
Approximately 60.86% of Winter Garden homes are owned,
compared to 26.25% rented, while
12.89% are vacant.
Winter Garden real estate listings include condos, townhomes, and single family homes for sale.
Commercial properties are also available.
If you see a property you're interested in, contact a Winter Garden real estate agent to arrange a tour today!
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This book presents a synthesis of ideas from Critical
Theory, Postcolonialism, and Poststructuralism.
Through the application of negative dialectics,
issues in Indo-American cultural assimilation
(primarily post-1965 immigration to the United
States) are explored. Hybridity, and the multiple
manifestations of selves and subjectivity, are
analyzed through the lens of Foucault's notion of
biopower and Nietzsche's critiques of Christianity.
Issues of 'bad faith' and 'false consciousness' are
linked to race, class, gender, sexuality, nation, and
religion. Ultimately, philosophical concepts are
amplified by site-specific ethnographic research
conducted amongst Indian and Indo-American men and
women. The book is, simultaneously, a critique and an
affirmation of ideas such as 'Model Minority' and
'The American Dream.'
Nikhil Thakur.
Nikhil Thakur received his PhD from the California Institute of
Integral Studies. For the past 10 years, he has been doing
anthropological research in issues around cultural assimilation
and he has been a lecturer of philosophy in the San Francisco Bay


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MILROY - The Mifflin County Babe Ruth League has played 116 games so far this season and only 12 have seen the winning team score five or less runs.
On Friday, one of those games was played between Belleville and Milroy. Belleville's Ross Torquato and Milroy's Graham Rhoades went toe-to-toe for seven innings. When both pitchers were finished with their required seven innings, the score was tied 2-2. Belleville won the game in the eighth inning, 3-2.
Torquato and Rhoades combined for 23 strikeouts, four walks and 10 hits.
In other games on Friday, Reedsville beat Strodes Mills, 7-4, and Burnham triumphed over Belltown, 17-7.
Tonight at 6 p.m. in Beaver Springs, Lewistown (23-0) will try to wrap up the 2012 title as it trys to eliminate second place Beaver Springs (17-4).
Belleville 3, Milroy 2
MILROY - Belleville solidified fourth place Friday night with a 3-2 eight-inning win over fifth place Milroy.
The Big Valley team won the game in the top of the eighth thanks to two walks and one hit.
Ross Torquato led off the eighth by getting a walk. He stole second and moved to third on Dylan Billett's ground out. Torquato scored on a single by David Walker.
Torquato not only was the star of the day for Belleville by scoring the winning run, but he also was the winning pitcher. He gave up seven hits, struck out 11 and walked one.
Milroy pitcher Graham Rhoades matched Torquato pitch for pitch. Rhoades only gave up three hits and had a no-hitter going into the fourth. The 14-year-old struck out 12 and walked three.
Both pitchers had to exit after seven innings due to the Babe Ruth rule of seven innings per week.
Torquato got the win, while Philip Yoder got the save as he had 1-2-3 eighth.
After Graham departed, Jared Soles came in for Milroy and pitched to four batters getting just one out. He walked two and gave up the hit to Walker.
Barron Vogt finished for Milroy and got the final two outs.
Belleville scored a run in the second as Walker led off with a walk, stole second and scored on an overthrow. Belleville's second run came in the third and again the Milroy defense played a part in the scoring. Torquato walked with two outs and scored when Billett lofted a fly ball to left and it was misplayed and Torquato scored.
Milroy led 1-0 after the first inning. Jacob Walters led off the game with a triple and scored one out later when Drew Hannon singled him home.
Again it was the Walters-Hannon connection that helped Milroy score the tying run in the bottom of the seventh.
Walters, who was the only player in the game with two hits, singled to start the seventh. He stole second and moved to third on a fly ball by Graham. Hannon tied the game with a sacrifice fly to centerfield.
Burnham 17, Belltown 7
BELLTOWN - Jarrett Stull smashed a grand slam in the fifth inning as Burnham snapped a nine-game losing streak on Friday by beating Belltown 17-7. The game ended after five innings due to the 10-run rule.
Belltown led 2-1 going into the fourth inning, but Burnham erupted for 11 runs in the fourth and Stull wrapped up the game with a bases loaded home run in the fifth.
Matt Short pitched the first three for Burnham and Jack Packer finished for Burnham. The two combined for a five-hitter.
Burnham had 11 hits with Jordan Wolfkill and Packer each having three. Wolfkill smashed two doubles, including one in the fourth inning when Burnham scored 11 times.
Belltown scored five times in the bottom of the fifth. Levi Baumgardner and Keith Corson each had singles.
Zach Hostetler had Belltown's only extra-base hit, a double in the first inning.
Short and Stull were the only other Burnham players with multiple hits with two.
The win moved Burnham past McVeytown into eighth place. Burnham now has a 5-17 record and McVeytown is 5-19. The two teams meet on Sunday in McVeytown at 3 p.m.
Reedsville 7, Strodes Mills 4
MILROY - Strodes Mills and Reedsville were locked in a 3-3 tie until the bottom of the sixth inning when Reedsville's Hunter Walker hit a bases loaded triple, which helped Reedsville to a 7-4 win.
Before the play was finished, Walker came home on an overthrow giving Reedsville a four-run cushion.
Strodes Mills jumped off to a 2-0 lead in the first as Luke Amspacker walked and Derrick Kepner tripled him home. Kepner later scored on an error.
Reedsville tied the game in the fourth as Dakotah Schlegel singled home a run and Matt Wagoner walked with the bases loaded. Then in the fifth, Reedsville took a 3-2 lead on a Nate Koller RBI base hit.
The Mills' boys tied the game at three in the sixth as Matt Haas was hit by a pitch and Nate Fortson doubled him home.
Then came the big rally for Reedsville in the bottom of the inning. Cade Attick and Wagoner singled and when Keenan Walker walked the bases were loaded, Strodes Mills got the next two batters out before Hunter Walker unloaded his game-winning triple.
Schlegel pitched into the sixth as he struck out five, walked four and gave up four hits.


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It seems as though we've hit a bit a snag in our redesign. It has come to our attention Internet Explorer 7 and 8 users cannot access the Store portion of the site. We apologize for the inconvenience and are working hard improving the Hitch Fit site so that it is compatible across all browsers and platforms. Till we figure out how to fix this issue, the only solution we can give you for now is to download an alternative browser that is more compatible. It's amazing how Internet technology and web standards has grown over the past years and how some older browsers aren't up to speed with current standards. The following browsers below should offer a better and more reliable experience.
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Memorial Day Weekend, May 27th-30th.
Silverado, CA
^(goddess @1:34)
^the girl @ 0:46 seconds was definitely the festival MVP last year.
Memorial Day Weekend, May 27th-30th.
Silverado, CA
^(goddess @1:34)
^the girl @ 0:46 seconds was definitely the festival MVP last year.
Last edited by zimmy1222; 03-10-2011 at 09:08 AM.
Where do I sign?
Originally Posted by Wayne Coyne
we'll see what sassy sasquatch unleashes next year
Originally Posted by Wayne Coyne
Couldn't be there last year and am not making that mistake this year, I will be there for sure.
This is great news after the speculation that it might not happen next year.
Last year's event was amazing, I wish Memorial Day Weekend will come sooner.
Fucking there. Last year was absolutely amazing and I hope everyone that went in our crew is there again. We definitely know what to do this time around and I'll be prepared with a shitload of bloody mary's. Huge camping group is a must now that there are so many of us returning.
"It began as a mistake" - Charles Bukowski
1. Nachos
2. Puppies
coming back for sure, id assume same spot correct....??? PLEASE BE, its 5 minutes from my place.
Coachella 07 (the introduction), 08 (the bands), 09 (the documentary), 10 (the people i came with), 11 (the relationship test... we passed), 12 (whatever the weather, Dirty Epic forever), 13 (the year of the troll)
Greatest festival I've ever been to. Will be back this year no matter what and I can't fucking wait.
Watch this beautiful ass video:
There were so many hot people at this fest as well.
There's too many festivals on this weekend every year.
Movement was that same weekend, yeah? or was that later?
8/7/16 - Sufjan Stevens @ Hollywood Bowl // 8/8/16 - Radiohead @ Shrine // 8/8/16 - Boris @ Regent
9/14/16 - Wilco @ Theatre at Ace Hotel // 9/18/16 - Kraftwerk @ Hollywood Bowl
Coachella will always be my fave festival music-wise, but LiB this year was hands-down the best fest "EXPERIENCE" and overall vibe I've ever experienced ... I just left feeling totally blissed out (I know it sounds like I was drinking the hippie juice), but I've missed that feeling every day since! Definitely a can't miss...
If I'm not at Movement, I will be here.
9/21: Khruangbin @ The Independent
9/22: Moon Duo, Cold Beat @ The New Parish
9/24: Dolly Parton @ Shoreline
9/30: Omar-S @ TBA
10/9: Midland, Erika @ The Midway
10/14: Margo Price @ GAMH
10/15: Cymbals Eat Guitars @ Shea Stadium BK
10/16: Anthony Naples, Justin Carter @ Nowadays
10/21: Screaming Females @ The Night Light
10/25: Hiss Golden Messenger @ The Independent
09/28: Nicolas Jaar @ Taub
11/16: Neko Case @ The Fox Theater Oakland
It's so frustrating that Ultra, Coachella, Movement and LiB all fall within the same two months
Dude....Ultra? come on now
Originally Posted by Wayne Coyne
You're absolutely right, I just feel like the way the festival is run, the location, the crowds, makes it NOT worth the trek. Especially for someone coming from LA. You know I had a blast with you guys and im glad you did too.
Originally Posted by Wayne Coyne


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There's an old saying that one shouldn't eat oysters in months without an 'R' in them - in other words, the warmer months, from May to August. I was always puzzled by this and thought it to be hemisphere-centric - after all, Australians cultivate delicious oysters, and why would they follow this rule when their seasons are opposite to those in the northern hemisphere?
The rule almost certainly has its roots in food safety: before the advent of dependable refrigeration, food could spoil quickly in warm weather. Seafood was especially vulnerable, so there was a greater chance of getting food poisoning from it. With fish, you can usually tell by smelling it that it's 'off', but with oysters and bivalves, you can't necessarily sniff out a bad one.
Now, with improved refrigeration and fast shipping, the rule should be changed to 'don't eat oysters harvested from warm waters' - not because of food safety, but because they don't taste as good. Oysters are most delicious when they're harvested from clean, cold water: it improves both the taste and texture. Warm-water oysters are fat and flabby, probably because they spawn during the warmer months. Fortunately, oysters are grown in many parts of the world, so even in months without the 'R' in them, we have access to cold-water oysters from a variety of countries.
However, one rule that does make sense when it comes to oysters is they shouldn't be consumed by those who are pregnant, or who have a compromised immune system. Because they are filter feeders, oysters can contain high levels of bacteria, and cook- ing doesn't always make them safe to eat. Even healthy people should take care when eating oysters: buy them from a dependable source with a high turnover, keep them chilled and use your eyes and nose to check them before putting them in your mouth. If in doubt, throw it out.
Most Popular
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Plantation Heritage Park - Oh Behave Markham Park & Target Range - PlayTrain Tradewinds Park & Stables - A Dog's Best FriendSunview Park - American IDogs Quiet Waters and T.Y. (Topeekeegee Yugnee) parks - K-9 Charm School
Oh Behave Dog Training
Basic Dog Obedience: Imagine teaching your dog basic skills: sit, down, come, stay, and loose leash walking in a beautiful and fun setting. We will address problem behaviors like jumping up, leash pulling, and play biting to make your dog a good family member. Our positive, reward-based program is a great bonding experience for you and your dog under the lovely shady trees at Plantation Heritage Park. We incorporate games and fun contests during class, too! Join us on Saturday mornings for more fun than humans should be allowed! Class times, required registration forms, and more information are available at Oh Behave.Oh Behave Basic Obedience Group Lessons cost $130 per dog for six classes and there must be at least one adult handler per dog. The $130 fee does not include the park entrance fee of $1.50 per person. The dog student must be at least 5 months old and have a current Broward County rabies tag. No aggressive dogs, please.What should you bring on the first day of class? The dog student, a nylon buckle collar, a six-foot leash (no retractable leashes), and a bag of favorite treats cut or broken into small pieces. We will meet in the parking lot by the park management office. Registration is required - see registration form.K9 Fun NoseworkWouldn't it be great if your dog could find your keys or your cell phone? Dogs have an amazing sense of smell and a natural desire to hunt. This class focuses on teaching you how to encourage and develop your dog's natural scenting abilities by using their desire to hunt and their love of toys, food and exercise. It's a great class for your dog to have fun, build confidence, and burn lots of mental and physical energy.The program fee of $130 per dog includes six classes and there must be at least one adult handler per dog. The $130 fee does not include the park entrance fee of $1.50 per person. The dog student must be at least 5 months of age and have a current Broward County rabies tag. No aggressive dogs, please. Registration is required - see registration form.About Dawn Hanna: Dawn is the President of Oh Behave, offering dog obedience and behavior modification for dogs of all ages and breeds. She has successfully trained many breeds of dogs ranging from teacups to great Danes. She is a graduate of Tar Heel Canine Training School in North Carolina. Dawn is a member of the Association of Pet Dog Trainers and a Certified Pet Dog Trainer. Dawn's positive-reinforcement training methods are motivating for dogs and humans. Her knowledge in dog behavior allows her to shape the dog's behavior and enlist their willing participation in the training process.Check out the monthly Oh Behave Blog. If you have any questions, call 954-587-2711 or email.
PlayTrain Dog Training at Markham Park
A Dog's Best Friend at Tradewinds Park
Tradewinds Park (Coconut Creek) offers Dog Training Classes on Tuesdays from 7 to 8 p.m. (New programs starts every seventh week). The cost is $150 for the full program. In addition, there is now an Advanced Canine Obedience Class on Tuesday nights from 8:15 to 9:15 p.m. (location in the park may vary depending on the weather).
Preregistration is required. All 954-791-2717 prior to registration to ensure that a group class is appropriate and will meet you expectations. Registration and class information may be faxed or mailed to you or information regarding the class and downloadable forms can also be found at adogbestfriend.com. Dogs must be four months old and young handlers should be accompanied by an adult.
Tim Mullally has been training dogs and owners for 25 years and is the president of A Dog's Best Friend Inc., a full-service dog training company in South Florida. He has been a past instructor for the Animal Fancier's Club in Tochigi Prefecture, Japan, and Training Director at the Animal Refuge Center in Fort Myers, Florida. There he designed a program and protocol for safety, puppy development, aggressive dogs, training, and socialization. He has also been the Training Director for the Good Dog Training Program for the Collier County Humane Society. He is a Certified Pet Dog Trainer (CPDT), member, Certification Counsel of Pet Dog Trainers and Certified Behaviorist, Purdue University; member, Association of Pet Dog Trainers; Director of Education, Bark Park at Snyder Park, Fort Lauderdale; Planning Committee, Bark Park at Snyder Park; Happy Tails Park, Plantation, and Innopet Park, Corals Springs (dog parks).
Sunview Park Offers American IDogs Phone: 954-829-3274 Fax: 954-322-8764Email: firstname.lastname@example.com
Classes are held on Tuesdays (except holidays). Afternoon class at 1:30 p.m. and two evening classes starting at 7 p.m.
Clicker Training (five-week program): fee $119. Trick Classes (six-week program): fee $119. Saturdays are fun training starting at 9 a.m. Cost is $49. Check the Website for new classes and dates.
Teach Your K-9 To Turn On the Charm!
New classes every five weeks!
Basic Obedience Class at Quiet Waters ParkTime: 9 to 10 a.m. Fee: $125For more information and to register contact Clare at e-mail: firstname.lastname@example.com or phone 954-292-6894.
Classes Also Offered at T.Y. Park!Basic Obedience starts at 9 a.m. and costs $125 for five weeksAges 5 months and older - Saturdays at Quiet Waters Park in Deerfield Beach. Sundays at T.Y. Park in Hollywood. Call 954-292-6894 for details and when the next class starts.
Limited space. Registration required. Information at firstname.lastname@example.com.
About the instructor: Clare Singer owner of K-9 Charm School, LLC, is a Certified Pet Dog Trainer. She has more than seven years experience as a trainer and instructor. Since 2003, she has worked with the Broward County Humane Society, where she has been challenged by many behavioral and training experiences. There she instructs the Tuesday night "Doggie-B-Good" group clicker classes, and volunteers in many aspects of the shelter to include foster care, education, and behavior. She is an advocate for humane training methods and her goal is to help animals stay in their homes through humane training and education. She is a Professional Member of the Association of Pet Dog Trainers, and an AKC Canine Good Citizen Evaluator. For more information Clare can be reached at: email@example.com or 954-292-6894.


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Free Drop Down CSS3 Menu Css3Menu.com
Calendar of Events
click link for more info
Oct. 7 - Nov. 18
Nov. 11, 2016
Poetry Reading
Marquette & Burawa
Dec. 10, 2016
With a wall of windows, the Main Gallery is a lovely space for weekday business meetings and retreats. The spacious gallery can accommodate up to 75 people, depending on the requested arrangement. The Cafe may be used for business meetings or used in conjunction with the Main Gallery or Barn to accommodate large business groups. A state of the art commercial kitchen is connected to the Café.
|Historic Residence
(November - April only)
For events: $125 half day (up to four hours),
|Barn and Silo
(Weekdays 8am-4pm)
Business Meetings or Group Events:
|Main Gallery or
Cafe' (Weekdays only)
Business Meetings, Retreats and Events:
|$75 (only available with other rental)
Up to half of rental charge may be required to guarantee reservation. All prices are subject to change without notice. Please contact us for current rates and availability. For facilities rental information contact Teresa Kosmas: email or we can be reached by phone at 1-651-388-2009
Security fees will be charged for events in the main building if your event is scheduled outside of our typical business hours.
The Anderson Center provides equal opportunity for all people to participate in and benefit from the activities of the Center, regardless of race, national origin, color, age, religion, sexual orientation, or disability, in admission, access, or employment.


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Rangers Gallery
Rangers fall 2-0 to Yankees, Mariano Rivera honored in pregame
Photo: Brad Loper/Staff Photographer
Texas Rangers second baseman Ian Kinsler (5) makes the tag on a stealing New York Yankees shortstop Eduardo Nunez (26) in the 8th inning.
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Quotes & Info
|SNFCA > SEC Filings for SNFCA > Form 10-Q on 14-Nov-2011
|All Recent SEC Filings
Quarterly Report
The Company's operations over the last several years generally reflect three trends or events which the Company expects to continue: (i) increased attention to "niche" insurance products, such as the Company's funeral plan policies and traditional whole-life products; (ii) emphasis on cemetery and mortuary business; and (iii) capitalizing on lower interest rates by originating and refinancing mortgage loans.
Results of Operations
Mortgage Operations
SecurityNational Mortgage is a mortgage lender incorporated under the laws of the State of Utah. SecurityNational Mortgage is approved and regulated by the Federal Housing Administration (FHA), a department of the U.S. Department of Housing and Urban Development (HUD), to originate mortgage loans that qualify for government insurance in the event of default by the borrower. SecurityNational Mortgage obtains mortgage loans primarily from its retail offices and independent brokers. The loans are funded from internal cash flows, including through loan purchase agreements with Security National Life, and from unaffiliated financial institutions. SecurityNational Mortgage receives fees from the borrowers and other secondary fees from third party investors that purchase its loans. SecurityNational Mortgage sells its loans to third party investors and does not retain servicing of these loans. SecurityNational Mortgage pays the brokers and retail loan officers a commission for loans that are brokered through SecurityNational Mortgage. For the nine months ended September 30, 2011 and 2010, SecurityNational Mortgage originated and sold 5,682 loans ($959,730,285 in total volume) and 8,530 loans ($1,574,178,394 in total volume), respectively.
The mortgage loan volume in 2011 was lower than in 2010 primarily due to reduced refinancing activity in 2011. SecurityNational Mortgage anticipates the loan volume for 2011 to be approximately $80,000,000 to $150,000,000 per month range compared to $125,000,000 to $200,000,000 per month range in 2010. As a result of the reduced levels of mortgage loan production in 2011, SecurityNational Mortgage has taken steps to reduce staff and operating costs. The reduction in mortgage loan volume in 2011 has been due to the low demand in the housing sector resulting from slow growth of the U.S. economy and fluctuating interest rates that adversely impact the refinancing markets.
The following table shows the condensed financial results of the mortgage operations for the three and nine months ended September 30, 2011 and 2010. See Note 8 to the Condensed Consolidated Financial Statements.
Three months ended September 30 Nine months ended September 30 (in thousands of dollars) (in thousands of dollars) % Increase % Increase 2011 2010 (Decrease) 2011 2010 (Decrease) Revenues from external customers Income from loan originations $ 18,958 $ 23,866 (21 %) $ 43,634 $ 62,361 (30%) Secondary gains from investors 3,240 5,531 (41%) 8,699 12,988 (33%) Total $ 22,198 $ 29,397 (24%) $ 52,333 $ 75,349 (31%) Earnings (Losses) before income taxes $ 380 $ 656 (42%) $ (3,034 ) $ (2,435 ) (25%)
Overall, this decrease in profitability for the nine months ended September 30, 2011 was due to the lower loan volume and lower secondary gains from third party investors.
Significant Accounting Policies
SecurityNational Mortgage has entered into a loan purchase agreement to originate and sell mortgage loans to an unaffiliated warehouse bank. The amount available to originate loans under this agreement at September 30, 2011 was $55,000,000. SecurityNational Mortgage originates the loans and immediately sells them to the warehouse bank. Generally, when mortgage loans are sold to warehouse banks, SecurityNational Mortgage is no longer obligated, except in certain circumstances, to pay the amounts outstanding on the mortgage loans, but is required to pay a fee in the form of interest on a portion of the mortgage loans between the date that the loans are sold to warehouse banks and the date of settlement with third party investors. The terms of the loan purchase agreements are typically for one year, with interest rates on a portion of the mortgage loans ranging from 2.5% to 2.75% over the 30 day LIBOR rate. SecurityNational Mortgage is in the process of renewing its loan purchase agreement with Wells Fargo Securities for an additional one year term. The loan purchase agreement expires on November 18, 2011.
Mortgage fee income consists of origination fees, processing fees and certain other income related to the origination and sale of mortgage loans. For mortgage loans sold to third party investors, mortgage fee income and related expenses are recognized pursuant to generally accepted accounting principles (GAAP) at the time the sales of the mortgage loans comply with the sales criteria for the transfer of financial assets, which are: (i) the transferred assets have been isolated from the Company and its creditors, (ii) the transferee has the right to pledge or exchange the mortgage, and (iii) the Company does not maintain effective control over the transferred mortgage. The Company must determine that all three criteria are met at the time a loan is funded. All rights and title to the mortgage loans are assigned to unrelated financial institution investors, including investor commitments for the loans, prior to warehouse banks purchasing the loans under the purchase commitments. As of September 30, 2011, there were $155,040,000 in mortgage loans in which settlements with third party investors were still pending.
The Company, through SecurityNational Mortgage, sells all mortgage loans to third party investors without recourse. However, it may be required to repurchase a loan or pay a fee instead of repurchase under certain events, which include the following:
· Failure to deliver original documents specified by the investor,
· The existence of misrepresentation or fraud in the origination of the loan,
· The loan becomes delinquent due to nonpayment during the first several months after it is sold,
· Early pay-off of a loan, as defined by the agreements,
· Excessive time to settle a loan,
· Investor declines purchase, and
· Discontinued product and expired commitment.
Loan purchase commitments generally specify a date 30 to 45 days after delivery upon which the underlying loans should be settled. Depending on market conditions, these commitment settlement dates can be extended at a cost to the Company. Generally, a ten day extension will cost .125% (12.5 basis points) of the loan amount. The Company's historical data shows that 99% of all loans originated by SecurityNational Mortgage are generally settled by the investors as agreed within 16 days after delivery. There are situations, however, when the Company determines that it is unable to enforce the settlement of loans rejected by the third-party investors and that it is in its best interest to repurchase those loans from the warehouse banks. It is the Company's policy to cure any documentation problems regarding such loans at a minimal cost for up to a six-month time period and to pursue efforts to enforce loan purchase commitments from third-party investors concerning the loans. The Company believes that six months allows adequate time to remedy any documentation issues, to enforce purchase commitments, and to exhaust other alternatives. Remedial methods include the following:
· Research reasons for rejection,
· Provide additional documents,
· Request investor exceptions,
· Appeal rejection decision to purchase committee, and
· Commit to secondary investors.
Once purchase commitments have expired and other alternatives to remedy are exhausted, which could be earlier than the six month time period, the loans are repurchased and transferred to the long term investment portfolio at the lower of cost or market value and previously recorded sales revenue is reversed. Any loan that later becomes delinquent is evaluated by the Company at that time and any impairment is adjusted accordingly.
Determining lower of cost or fair value: Cost is equal to the amount paid to the warehouse bank and the amount originally funded by the Company. Market value is often difficult to determine, but is based on the following:
· For loans that have an active market, the Company uses the market price on the repurchased date,
· For loans where there is no market but there is a similar product, the Company uses the market value for the similar product on the repurchased date, and
· For loans where no active market exists on the repurchased date, the Company determines that the unpaid principal balance best approximates the market value on the repurchased date, after considering the fair value of the underlying real estate collateral and estimated future cash flows.
The appraised value of the real estate underlying the original mortgage loan adds significance to the Company's determination of fair value because, if the loan becomes delinquent, the Company has sufficient value to collect the unpaid principal balance or the carrying value of the loan. In determining the market value on the date of repurchase, the Company considers the total value of all of the loans because any sale of loans would be made as a pool.
For mortgages originated and held for investment purposes, mortgage fee income and related expenses are recognized when the loan is originated.
As of September 30, 2011, the Company's long term mortgage loan portfolio consisted of $25,671,000 in mortgage loans with delinquencies more than 90 days. Of this amount, $19,359,000 of the loans were in foreclosure proceedings. The Company has not received or recognized any interest income on the $25,671,000 in mortgage loans with delinquencies more than 90 days. During the nine months ended September 30, 2011, the Company provided an allowance for mortgage losses of $257,000. This allowance for mortgage losses was charged to loan loss expense and included in selling, general and administrative expenses for the period. The ending balance of allowances for mortgage loan losses as of September 30, 2011 and December 31, 2010 were $6,606,000 and $7,070,000, respectively.
Also as of September 30, 2011, the Company had foreclosed on a total of $52,020,000 in long term mortgage loans, of which $7,680,000 of the loans foreclosed were reclassified as other real estate held for investment or sale during 2011. The Company carries the foreclosed properties in Security National Life, Memorial Estates, and SecurityNational Mortgage, its respective life, cemeteries and mortuaries, and mortgage subsidiaries, and will lease or rent the properties until it is deemed economically desirable to sell them.
Mortgage Loan Loss Settlements
The mortgage industry has seen potential loan losses continue to increase. Future loan losses are extremely difficult to estimate, especially in the current market. However, management believes that the Company's reserve methodology and its current practice of property preservation allow it to estimate its losses on loans sold. The amounts accrued for loan losses for the three months ended September 30, 2011 and 2010, were $384,316 and $1,342,680, respectively, and for the nine months ended September 30, 2011 and 2010, were $1,220,210 and $3,276,331, respectively. The estimated liability for indemnification losses is included in other liabilities and accrued expenses and, as of September 30, 2011 and December 31, 2010, the balances were $3,126,454 and $5,899,025, respectively.
Settlement with Wells Fargo
On April 7, 2011, SecurityNational Mortgage, a wholly owned subsidiary of the Company, entered into a settlement agreement with Wells Fargo Funding, Inc. ("Wells Fargo"). The settlement agreement provides that it is intended to be a pragmatic commercial accommodation between SecurityNational Mortgage and Wells Fargo and is not to be construed as an admission of responsibility, liability or fault in regards to either party's claims. Under the terms of the settlement agreement, SecurityNational Mortgage is required to pay an initial settlement amount to Wells Fargo in the amount of $4,300,000, of which $1,000,000 had already been paid to Wells Fargo in January 2011, leaving a balance of $3,300,000. The $3,300,000 balance was paid shortly after the parties executed the settlement agreement.
In addition, under the terms of the settlement agreement, Wells Fargo has the right to deduct 10 basis points (.0010) from the purchase proceeds of each loan that SecurityNational Mortgage sells to Wells Fargo during the period from April 8, 2011 to March 31, 2017. From April 8, 2011 to September 30, 2011, Wells Fargo deducted a total of $530,329, representing 10 basis points from the purchase proceeds of the loans that SecurityNational Mortgage sold to Wells Fargo during that period. SecurityNational Mortgage is also required under the settlement agreement to set aside 10 basis points (.0010) during the period from April 8, 2011 to March 31, 2017 from the purchase proceeds of any loans that it sells to any mortgage loan purchaser other than Wells Fargo and pay such amounts to Wells Fargo. From April 8, 2011 to September 30, 2011, SecurityNational Mortgage paid Wells Fargo a total of $50,393, representing 10 basis points from the purchase proceeds of the loans it sold to mortgage loan purchasers other than Wells Fargo during that period. Finally, SecurityNational Mortgage is required under the settlement agreement to set aside 50% from the net proceeds that it receives from any sale, liquidation or other transfer of certain real estate properties that it owns, after subtracting taxes, commissions, recording fees and other transaction costs. These real estate properties consist of 28 real estate properties with a total book value of $5,597,900 as of September 30, 2011.
In consideration for SecurityNational Mortgage making the initial settlement payment to Wells Fargo, Wells Fargo and related parties, including Wells Fargo Bank, released SecurityNational Mortgage and related parties, including the Company and Security National Life Insurance Company, from any claims, demands, damages, obligations, liabilities, or causes of action relating to residential mortgage loans that Wells Fargo purchased from SecurityNational Mortgage prior to December 31, 2009. Similarly, SecurityNational Mortgage released Wells Fargo and its related parties from any claims, demands, damages, obligations, liabilities, or causes of actions relating to residential mortgage loans that Wells Fargo purchased from SecurityNational Mortgage prior to December 31, 2009. SecurityNational Mortgage is not aware of any repurchase or indemnification demands by Wells Fargo for residential mortgage loans with a closing date after December 31, 2009.
As of September 30, 2011, the Company reserved and accrued $3,126,000 to settle investor related claims against SecurityNational Mortgage for the allegedly defective mortgage loans that SecurityNational Mortgage sold to Wells Fargo and other mortgage loan purchasers
Mortgage Loan Loss Settlement Discussions
There have been assertions in third party investor correspondence that SecurityNational Mortgage sold mortgage loans that allegedly contained misrepresentations or experienced early payment defaults, or that were otherwise allegedly defective or not in compliance with agreements between SecurityNational Mortgage and the third party investors consisting principally of financial institutions. As a result of these claims, third party investors have made demands that SecurityNational Mortgage repurchase certain alleged defective mortgage loans that were sold to such investors or indemnify them against any losses related to such loans.
As of September 30, 2011, third party investors have asserted total estimated potential claims of $20,320,000 relating to loan repurchases, loan indemnifications and other loan issues. The Company has estimated the potential losses for the asserted claims by these third party investors to be less. The Company has reserved and accrued $3,126,000 as of September 30, 2011 to settle all such investor related claims, including the Wells Fargo settlement described above. The Company believes this amount is adequate to resolve these claims and the amount represents the Company's estimate of possible losses relating to any outstanding claims by these investors.
These claims are greater than the net asset value of SecurityNational Mortgage, which was $16,958,000 on September 30, 2011, and its reserve for mortgage loan loss, which was $3,126,000 on September 30, 2011. The Company disagrees with the claims asserted by third party investors against SecurityNational Mortgage and believes it has significant defenses to these claims. Any additional loss in excess of the current loan loss reserve cannot be estimated as negotiations are still in progress. It is possible that future negotiations could result in a change in the estimate of the loan loss reserve.
If SecurityNational Mortgage is unable to negotiate acceptable terms with the third party investors, legal action may ensue in an effort to obtain amounts that the third party investors claim are allegedly due. In the event of legal action, if SecurityNational Mortgage is not successful in its defenses against claims asserted by these third party investors to the extent that a substantial judgment is entered against SecurityNational Mortgage which is beyond its capacity to pay, SecurityNational Mortgage may be required to curtail or cease operations.
During settlement discussions with one of the third party investors during the second and third quarters of 2010, the investor made a settlement proposal to SecurityNational Mortgage. When SecurityNational Mortgage declined to accept the settlement proposal because it regarded the language in the settlement documents as unreasonable, the investor notified SecurityNational Mortgage by letter dated October 20, 2010 of its decision to terminate its business relationship with SecurityNational Mortgage. In particular, the letter provided notice of termination of a loan purchase agreement with the investor. As a result, the investor is no longer accepting any new commitments for mortgage loans from SecurityNational Mortgage. However, the investor completed the purchase of mortgage loans from SecurityNational Mortgage involving mortgage loan commitments that had been made before October 20, 2010.
The investor also stated in the October 20, 2010 letter that termination of its business relationship with SecurityNational Mortgage would not affect the obligations, representations, warranties or indemnifications by SecurityNational Mortgage under mortgage loans previously sold to the investor under a loan purchase agreement. Accompanying the termination letter to SecurityNational Mortgage was a notice letter from the investor, also dated October 20, 2010. In the notice letter the investor stated that it was withdrawing all prior and pending settlement proposals involving SecurityNational Mortgage and the Company. The investor further stated that it intended to exercise certain rights under a loan purchase agreement by debiting $5,970,941 from amounts in an over/under account that it had been holding for the benefit of SecurityNational Mortgage. The investor also maintained it had the right to debit additional amounts credited to the over/under account for payment of additional obligations that SecurityNational Mortgage allegedly owed to the investor.
The Company believes the investor wrongfully applied the $5,971,000 from the over/under account toward payment of outstanding obligations that SecurityNational Mortgage allegedly owed to the investor. In a letter dated October 22, 2010 to the investor, SecurityNational Mortgage stated, without waiving any of its rights against the investor, that it objected to the investor debiting $5,971,000 from the over/under account, as well as any amount attempted to be debited thereafter without specific written approval of SecurityNational Mortgage. SecurityNational Mortgage sent letters to the investor requesting a withdrawal of funds from the over/under account before the investor debited the $5,971,000 from the account. SecurityNational Mortgage recognized this withdrawal of funds by the investor by reducing the balance of SecurityNational Mortgage's accrued losses on loans sold (a liability account) and its restricted cash held by the investor. SecurityNational Mortgage is currently determining what action to take against the investor for wrongfully debiting the funds from the over/under account.
Mortgage Loan Loss Litigation
Lehman Brothers - Aurora Loan Services Litigation
On April 15, 2005, SecurityNational Mortgage entered into a loan purchase agreement with Lehman Brothers Bank, FSB ("Lehman Bank"). Under the terms of the loan purchase agreement, Lehman Bank agreed to purchase mortgage loans from time to time from SecurityNational Mortgage. During 2007, Lehman Bank and its wholly owned subsidiary, Aurora Loan Services LLC ("Aurora Loan Services"), purchased a total of 1,490 mortgage loans in the aggregate amount of $352,774,000 from SecurityNational Mortgage. Lehman Bank asserted that certain of the mortgage loans that it purchased from SecurityNational Mortgage during 2007 contained alleged misrepresentations and early payment defaults. As a result of these alleged breaches in the mortgage loans, Lehman Bank contended it had the right to require SecurityNational Mortgage to repurchase certain loans or be liable for losses related to such loans under the loan purchase agreement. SecurityNational Mortgage disagrees with these claims.
On December 17, 2007, SecurityNational Mortgage entered into an Indemnification Agreement with Lehman Bank and Aurora Loan Services. Under the terms of the Indemnification Agreement, SecurityNational Mortgage agreed to indemnify Lehman Bank and Aurora Loan Services for 75% of all losses that Lehman Bank and Aurora Loan Services may incur as a result of any defaults by mortgagors on 54 mortgage loans that were purchased from SecurityNational Mortgage. SecurityNational Mortgage was released from any obligation to pay the remaining 25% of such losses. The Indemnification Agreement also required SecurityNational Mortgage to indemnify Lehman Bank and Aurora Loan Services for 100% of any future losses incurred on mortgage loans with breaches that were not among the 54 mortgage loans.
Upon execution of the Indemnification Agreement, SecurityNational Mortgage paid $395,000 to Aurora Loan Services as a deposit into a reserve account, to secure any obligations of SecurityNational Mortgage under the Indemnification Agreement. This deposit was in addition to a $250,000 deposit that SecurityNational Mortgage previously made into the reserve account for a total of $645,000. Losses from mortgage loans with alleged breaches were payable from the reserve account. However, Lehman Bank and Aurora Loan Services were not to apply any funds from the reserve account to a particular mortgage loan until an actual loss had occurred. Under the Indemnification Agreement SecurityNational Mortgage was to pay to Aurora Loan Services the difference between the reserve account balance and $645,000, but in no event would SecurityNational Mortgage be required to make payments into the reserve account in excess of $125,000 for any calendar month.
Since the reserve account was established, funds had been paid from the account to indemnify $4,269,000 in alleged losses from 31 mortgage loans that were among the 54 mortgage loans with alleged breaches that were covered by the Indemnification Agreement and ten other mortgage loans with alleged breaches. In the last monthly billing statement dated April 24, 2011, to SecurityNational Mortgage, Lehman Brothers Holdings Inc. ("Lehman Holdings") claimed that SecurityNational Mortgage owed approximately $3,745,000 for mortgage loan losses under the Indemnification Agreement.
During 2008, 2009 and 2010, the Company recognized alleged losses of $1,636,000, $1,032,000 and $1,289,000, respectively. However, management cannot fully determine the total losses because there may be potential claims for losses that have not yet been determined. As of September 30, 2011, the Company had not accrued for any losses under the Indemnification Agreement. SecurityNational Mortgage was involved in discussions with Lehman Bank and Lehman Holdings concerning issues under the Indemnification Agreement. During the discussion period, monthly payments for December 2010 and January, February, March and April of 2011 totaling $625,000 were abated or deferred.
On May 11, 2011, SecurityNational Mortgage filed a complaint against Aurora Bank FSB, formerly known as Lehman Brothers Bank FSB (hereinafter "Lehman Bank"), and Aurora Loan Services in the United States District Court for the District of Utah because it had been unable to resolve certain issues under the Indemnification Agreement. The complaint alleges, among other things, material breach of the Indemnification Agreement, including a claim that neither Lehman Bank nor Aurora Loan Services owned mortgage loans sold by SecurityNational to justify the amount of payments demanded from, and made by SecurityNational Mortgage. As a result, SecurityNational Mortgage alleges it is entitled to judgment in excess of $4,000,000 against Lehman Bank, as well as Aurora Loan Services to the extent of its involvement and complicity with Lehman Bank. The complaint also alleges a second claim for material breach of a section of the Indemnification Agreement that contains an alleged "sunset" provision and that the amount of the requested payments made was not justified under the "sunset" provision.
On June 8, 2011, Lehman Holdings, which had filed for bankruptcy, filed a complaint against SecurityNational Mortgage in the United States District Court for the District of Utah. A Lehman Holdings' subsidiary owns Lehman Bank. The complaint alleges that SecurityNational Mortgage sold loans to Lehman Bank, which were then sold to Lehman Holdings. The complaint additionally alleges that Lehman Bank and Aurora Loan Services assigned their rights and remedies under the loan purchase agreement, as well as the Indemnification Agreement to Lehman Holdings, which latter assignment purportedly took place on March 28, 2011. Lehman Holdings declared in a letter dated June 2, 2011 that the Indemnification Agreement was null and void, which is disputed by SecurityNational Mortgage. Lehman Holdings' alleged claims are for damages for breach of contract and breach of warranty pursuant to a loan purchase agreement and Seller's Guide. Prior to declaring the Indemnification Agreement null and void, Lehman Holdings claimed in a then recent billing statement that SecurityNational Mortgage owed approximately $3,745,000 for mortgage loan losses under the Indemnification Agreement. SecurityNational Mortgage strongly disagrees with the position of Lehman Holdings and, as set forth in its May 11, 2011 complaint, seeks affirmative relief in excess of $4,000,000 from Lehman Bank and Aurora Loan Services, which are related to Lehman Holdings.
Cemetery and Mortuary Operations
The Company sells mortuary services and products through its seven mortuaries in . . .


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