text:
Banks and Information Technology: Marketability vs. Relationships
Matej Marinc
University of Ljubljana - Faculty of Economics
January 24, 2013
Electronic Commerce Research, Vol. 13(1), p. 71–101
This paper evaluates the impact of information technology (IT) on the operations of banks and the structure of the banking industry, including implications for stability. On the one hand, banks can focus on relationship banking and use IT developments to tailor services to individual needs and build enhanced, albeit modified, relationships with customers. On the other hand, IT better allows banks to exploit scale and scope economies, most evident in transaction banking. Another manifestation of IT is via financial innovations that have enhanced marketability. Stability enters the picture because increased marketability facilitates opportunistic behavior. Together with enhanced herding behavior and changes in industry structure, this could undermine stability and augment systemic risk, calling for a regulatory overhaul.
Number of Pages in PDF File: 39
Keywords: Banking, Information Technology, Relationship Banking, Stability, Systemic Risk
JEL Classification: G20, G21, L86, O33
Date posted: December 18, 2010 ; Last revised: September 7, 2014
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text:
Universal Fit
Nocs NS400-001 NS400 Earphones with Remote and Mic (Titanium - Black)
" Introduction It has past two years but I feel like it was today - the day I ordered my Swedish audio gear Nocs NS400 Titanium for US$99.00. The package arrived and I didn't hesitate on opening it and taking the product from the original box. Wow. The Package NS400 Titanium comes inside a brown colored and discreet rectangular box, not that impressive..." --cpaixao
Accutone Taurus
Taurus | The In-Ear Headset with Bass Tuning Technology & Spin Cable The first thing you notice about the Taurus is perhaps its attractive High-Gloss Mirror-Black finishing, or the Aluminum Spin Cable nob for Dual-Wear, or even perhaps the High-Quality Tangle-Free Cables. It is truly a thing of Beauty. But once you wear them in your ears, you will realize the Taurus is a rare breed, with...
NOCS NS600-011 Earphones with Remote and Mic, Silver
The NS600 Crush was designed with one objective in mind: to rise head and shoulders above the competition. The Crush's unique Dual Dynamic technology features two drivers per earphone, creating a tweeter + woofer set-up that delivers a superior full-range sound complete with impressive highs, compelling mids and an exceptionally full and rich bass. If you're serious about your...
NOCS NS800-001 In-Ear Earphones with Remote and Mic Stainless Black
The NS800 is one of the most compact and exclusive in-ear headphones in the world. A high-fidelity headset with the most revealing sound in an incredibly small stainless steel housing. The Micro-Armature speaker is designed to deliver a well-balanced and superior sound quality. The NS800 provides precise and detailed acoustics throughout the entire sonic spectrum, backed by a natural bass,...

subset: commoncrawl


text:
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WineAccess Travel Log
Read stories from the world's greatest wine trails.
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92 Points | Stephen Tanzer's IWC - September/October 2013
(85% monastrell and 15% cabernet sauvignon; malo and aging in 80% French and 20% American oak): Opaque purple. Explosive black and blue fruit aromas are complicated by notes of licorice, Indian spices and floral oils. Rich and expansive but showing unlikely finesse thanks to bright acidity. Sweet blueberry and cassis flavors stain the palate and linger on a very long, intensely spicy, focused finish. Australian winemaker Chris Ringland consults here.
94 Points | Wine Spectator
93 Points | Robert Parker's The Wine Advocate
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Pacifist 3.0.3 uses code signing
If you administer more than a couple Macs, locating and installing individual legacy apps can be a royal pain. Though Pacifist can't help you source software, this app is absolutely invaluable when it comes time to install.
CharlesSoft has released Pacifist 3.0.3 (free), which joins a growing chorus apps that are Mountain Lion ready or at least more ready:
• Now uses code-signing information to prune extraneous files out of applications extracted using the "Search Receipts" feature
• General improvements and bug fixes to the "Search Receipts" feature
• Several Mountain Lion-related fixes
• Fixed a bug that affected loading some Apple install discs such as Final Cut Studio and Logic Pro
• Fixed a few crashing bugs
• All files in the .zip distribution of Pacifist are now free of resource forks and extended attributes, to keep third-party .zip unarchivers from failing to unarchive the extended attributes properly and invalidating Pacifist's code signing
• Text is now selectable in HTML files in the viewer
• Miscellaneous bug fixes
Why code-signing? Going forward, your Mac won't be able to run some unsigned (insecure) code. That Pacifist now cleans up after itself at a natural part of what it does is very smart.
In our shared Mountain Lion future, there will be three kinds of software: Mac App Store (signed, walled garden), developer signed code (Apple vetted devs) and free range software, which can come from anyone, anywhere. Pacifist fits, knock on wood, that future…
Are you onboard with Apple's vision of app development, security and distribution?
Related posts:
— New in Mountain Lion: Software Update
— PPC-only Leopard Webkit supports H.264, Grooveshark Mobile
— Three fractal screensavers for OS X Lion
— Opera 12 gets 'instant makeover'
— Pixelmater 2.0.5 boosts legacy graphics performance


text:
A lump of fecal matter that causes a man's anal hair to curve inward and become red, swollen and infected.
I got a dangleberry on my ass and it hurts every time I sit down.
de GuidoPosse69 22 Februarie 2005
Another term for the ballsack.
When that assfuck mooned us, all I could look at was his dangleberries
de Forseti 18 Aprilie 2006
the testicles, nuts, ball bags
OH CRIKEY hes got my dangle berries
de Brad 09 Aprilie 2004


text:
Hi All,
I just wanted to let everyone know that I got a bottle of DermaBright from Rosa Skincare and have used it for a month now. It has shown great results and my skin has finally more vibrant. I use to have uneven patches on my face and felt unconfident everyday. Now, my skin tone is much more even and lighter!
Anyways, my grand mother has Melasma and i'm going to let her try Rosa Skincare product and see if it helps her. Hopefully, she will see the same results as me.
Fingers crossed!
Ms Madame Mimi
God Bless ~


text:
Watch stocks you care about
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Your own personalized stock watchlist!
It's a 100% FREE Motley Fool service...
Reflecting fear of terrorism and concerns that the global economy may be slowing, the S&P 500 (SNPINDEX: ^GSPC ) and the narrower, price-weighted Dow Jones Industrial Average (DJINDICES: ^DJI ) both fell 2.1% this week -- stocks' worst performance since November,
Coca-Cola: Insiders are selling
On Friday, as shares of Dow component Coca-Cola (NYSE: KO ) were making a record intraday high (adjusted for splits and dividends), respected financial weekly Barron's reported that four insiders at Coke (NYSE: KO ) sold shares in an aggregate amount of $26.1 million.
Chief Financial Officer Gary Fayard made the largest sale -- his first transaction on record -- exercising options to buy 224,000 shares that were set to expire no earlier than this coming December and selling the shares at an average price of $41. Coca-Cola's stock closed at $42.66 on Friday, up 1.3% on the day. Fayard continues to own 188,944 shares directly and 356,597 shares through his spouse and multiple trusts.
Are the shares now overvalued? As of Friday's close, they were valued at 26.7 times the trailing 12 months' normalized earnings-per-share. The last time they traded at a higher multiple was during the second quarter of 2008; here's how the shares have performed relative to the S&P 500 since then:
The shares have smashed the index! Even on an absolute basis, they have handed shareholders a tidy return. If that performance is anything to go by, the shares can't have been significantly overvalued at the beginning of that period. (In fact, the average price-to-earnings multiple was higher than the current figure in every quarter from 1991 through September 2004, although, naturally, growth prospects were different then than they are now.)
While the recent insider sales are no cause for alarm, as the valuation inches up, Coca-Cola investors ought to be dialling down their return expectations. The shares -- along with those of other high-quality franchises -- have had a good run over the past several years. The odds that they will reproduce that performance over the next several years are decreasing.
Coca-Cola's wide moat has helped provide its shareholders with superior gains in the past, but the company faces some new threats to its continued market dominance. The Motley Fool recently compiled a premium research report containing everything you need to know about Coca-Cola. If you own or are thinking about buying shares in the company, you'll want to click here now and get started!


text:
Investor Vows To Hold Abercrombie Board Accountable For Extending CEO's Contract
Engaged Capital, which last week sent a nine-page open letter to Abercrombie's board calling for CEO Mike Jeffries's ouster, is "disturbed" to learn his contract was extended today.
Engaged Capital's Glenn Welling, who last week fired off a nine-page open letter to Abercrombie's board, calling for the ouster of CEO Mike Jeffries, was "disturbed" to learn that the retailer chose to extend the executive's contract today.
Abercrombie said earlier today that it signed a new agreement with the 69-year-old Jeffries, whose previous contract was set to expire on Feb. 1. Jeffries, considered Abercrombie's modern-day founder, has been the subject of controversy this year, and, according to Welling, is the cause of the retailer's free-falling stock price, dismal same-store sales and off-trend fashions.
"We are disturbed that upon learning of broad shareholder support for change in Abercrombie's leadership, the board's reaction was to ignore the information and re-sign Mr. Jeffries," Welling, the chief investment officer and managing member of Engaged said in a statement e-mailed to BuzzFeed. "This decision appears to be made without any substantive discussion with shareholders – a rushed response, less than one week after receiving our letter. We consider this an outright dereliction of the board's fiduciary duties. This action is further proof that our board exists to serve one master, Mr. Jeffries, instead of the shareholders that elected them."
Welling hinted at some kind of action going forward.
"In light of the board's troubling actions, Engaged Capital is considering all options available to it as shareholders in order to hold the Board accountable for its decisions," he wrote.
Engaged said last week that it holds 400,000 shares of Abercrombie, less than 0.5% of outstanding shares.
- Miami Marlins star pitcher José Fernández has died in a boating accident. He was 24.
- Monday night's presidential debate may be the last hope for environmental activists who want climate in the national conversation.
- Charlotte police have released video of Keith Lamont Scott's shooting and photos of a gun they say he had loaded.


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Roque "Rocky" Rodriguez-Urena served as a medic at Balad Air Base, about 40 miles north of Baghdad in one of the most hostile regions of Iraq in 2004 and 2005.
Because of regular rocket and mortar attacks, some soldiers and airmen took to calling the base "Mortaritaville."
"It was just nasty," says Urena, describing the horrific injuries he and colleagues saw while working in the busy, top level trauma center at the base in the Sunni Triangle.
The experiences left him, like so many veterans who have served in Iraq and Afghanistan, with post-traumatic syndrome disorder, or PTSD. Urena retired from the Air Force in 2008 after 25 years of service.
After retirement, he and his wife, Marlene, looked for a place to live that was "not too far and not too close to New York City," where he grew up and his extended family lives. The Dominican Republic native says his wife fell in love with Charleston and they and their daughter, Alyssa, moved to Summerville.
Still dealing with PTSD, Urena decided not to look for work for a while and instead volunteered for an array of jobs, including working at the emergency room at Trident. In Sept. 2009, he started working for pay as a medical technician on a "per diem" basis, two or three days a week.
Over the years, he has found counseling to be "too painful emotionally" and "mentally exhausting" because he had to relive the experiences. Instead, he turned to another form of self-therapy that is simple, relatively inexpensive and often not talked about: physical exercise.
Go Rocky, go
Urena, who enjoyed mountain biking but admits to previously "hating running," decided to train for the Air Force Marathon in 2007 and found it, and being active in general, to be an ideal way to cope with his memories of war. He has since finished a total of 10 marathons, 11 half marathons and recent Cooper River Bridge Runs.
He also diversified his fitness routine with tennis and indoor volleyball in a co-ed church league. The 56-year-old, by the way, is 5'9 and super lean 137 pounds and easily looks a decade or more younger. Urena jokes, "I tell people I'm 37."
But despite all the activities he's embraced, mountain biking remains his passion. Weekly, he heads off to trails at Wannamaker County Park or Marrington Plantation where he finds a special kind of peace. "When I'm on the trails, it's just me and that bike. Everything else goes away," says Urena.
His love of mountain biking led a friend to suggest that he apply to participate in President Bush's W100, a three-day, combined 100K (62 miles) bike ride in Crawford, Texas, on Memorial Day weekend. He did but didn't expect to be chosen to be among 20 wounded veterans for the ride in 2013.
"When I got the call from President Bush's office, I thought it was a prank," recalls Urena.
But it wasn't. And the experience wasn't the last time he heard from Bush.
In February, The George W. Bush Presidential Center invited Urena to a summit, "Empowering Our Nation's Warriors," with major political and business leaders. In May, he returned to the W100.
When Bush saw him, Urena recalled him saying, " 'Hey, Rocky, you're looking great!' That felt really, really good. I knew when he said it, he meant it."
The attention from Bush aside, Urena says exercise, particularly the release of endorphins, and opportunities to participate in Wounded Warrior events are key in his continued healing process.
Exercise Rx
Dr. Yevgeniy Gelfand, a psychiatrist at Trident, knows Urena from working with him in the ER and says a growing body of evidence is showing that exercise can be a valuable tool in battling PTSD, which he describes as "complex disorder" that researchers are still learning about.
Gelfand says drugs often have been the first and foremost treatment for it and have generally proven not to work too well.
"In the West, everyone wants a pill. That's how we're conditioned," says Gelfand. "I think exercise is often overlooked (as a therapy)."
Besides endorphins, Gelfand says exercise provides a "sense of well-being" through improved sleep, providing a sense of control, and giving people goals and a sense of accomplishment.
One of the issues with PTSD, Gelfand says, is "hyper-arousal" or "hyper-awareness" because the sufferer feels that danger is omnipresent.
"When you do strenuous exercise, it puts that sense on the back burner and makes you live more in the present moment," says Gelfand.
He adds that martial arts have an extra benefit for channeling a veteran's "warrior spirit," which they often find hard to turn off when returning to civilian life.
Gelfand says many veterans resent "having drugs thrown at them" as a solution for their PTSD and that leaves many wondering why they put their lives on the line in the first place.
"Exercise should be one of the first things we tell sufferers of PTSD to do," says Gelfand. "After all, we are human. We were supposed to be active and outside. That's not the way it is now. ... Going back to those roots helps us revitalize ourselves."
Reach David Quick at 937-5516.
- Keywords


text:
Originally published at: http://www.howtogeek.com/174062/how-to-tell-a-hardware-problem-from-a-software-problem/
Your computer seems to be malfunctioning — it's slow, programs are crashing or Windows may be blue-screening. Is your computer's hardware failing, or does it have a software problem that you can fix on your own?
-> printf( " Check For Virus.");
//if it doesn't solve the problem**
->-> printf( " Its better you format the machine.");
//*same thing happen again*
->->-> printf(" Its time to check for hardware failure.");
They will come into use when I ask question about PC problems. Nice article. Thanks!
I'll change the language, and fork the code:
if (virus_is_there==true) { antivirus(remove,virus);}if(problem_still_exists==true) { format(pc); install(operating_system);}if(problem_still_not_going_away) { check(failure, hardware);}
Another option, especially with older machines, is to try running it under a Linux distro like Ubuntu. Possibly with a live CD/bootable USB, or as a dual boot, if you don't want to destroy your existing OS installation. This may help to eliminate the software angle* and flag up a hardware problem.
*assuming everything works out of the box, which only happens around 70% of the time for me...
Thats Algorithm and Program Together Now..Way to Go...
1) Ask a software developer: He'll tell you it's hardware.2) Ask a hardware expert: He'll tell you it's software.3) Flip a coin.But seriously, folks, Google the error with as much detail as possible. I had an "obvious" software problem in XP with bluescreens and invalid memory references. After browsing the web, I cut back on the overclocking in my BIOS, and the problem went away.


text: Team visits don't mean much Posted by Nate Dunlevy on Mar 28, 2011 12:21 ShareTweetNice article about who visits the Colts You'll notice that just two of them – Marcus Howard and Pierre Garcon – were drafted by the Colts. That's two of 55 guys scouted (3.64 percent) and two of the Colts' nine draft picks (22.22 percent), so tallying who they looked at is just not all that accurate. Curtis Johnson and Jordan Senn signed with the Colts as undrafted free agents, and Joe Reitz ended up with the Colts after a position change and stops in Baltimore and Miami. Sadly, Mike Czerwein died in a tragic construction accident. And am I the only one who forgot they looked a guy named Justin Beaver? ShareTweetColts Tickets About Nate Dunlevy View all posts by Nate Dunlevy →


text:
r/gonewild chat is not modded by r/gonewild mods -- if you have a chat issue use the 'Message the room owners' link at the bottom of this page.
Read the rules before participating.
This room runs on respect. Show respect to those around you, and you will get it back. Act like a douche, and you will likely get that back too. This is a community; if you feel like it isn't the one for you, leave.
Take all steps to preserve your anonymity (you are responsible for your own safety).
No posting others' personal info (including name, location, name/profiles on other websites). Don't be creepy.
No capping (image or video capture of cams) without explicit permission.
Do not link to pictures/posts of other chatters without their permission. When you have permission, linking to posts (instead of directly to pictures) is preferred, as it: [1] allows people to upvote, and [2] makes it clearer to the room mods that it is a publicly available picture.
Must be 18 or older. If there are concerns, you may be asked to join http://www.icanhazchat.com/group/agechecked.
No criticizing others' bodies. Do not harass, or make demands of people on cam.
No simulated (or real) sexual acts involving animals, children, sleeping/unconscious people. No children on cam (even if they can't see cams)
No weapons play, suicide talk or cutting.
No complaining about cam ratio(male/female) or lack of nudity. There is also no need to announce which cams you are disabling.
Do not discuss emotionally-charged topics such as religion or politics in open chat. You are welcome to discuss them in PMs or in another room.
No racism, sexism, misogyny, misandry, homophobia, transphobia, etc.
Linking to, 'invading' or 'stealing' cammers from other rooms causes unwanted drama and may result in being kicked or banned. If you see something questionable in another room, report the cam and/or send the information to the sitemods using the 'Contact' page.
Talking about any of the GW rooms (or linking to them) in other ICHC rooms is an immediate ban.
It is OK to link to rooms you have created yourself -- off-shoot rooms are sometimes created when the main topic or rules do not match the main GW rooms (examples: truth or dare, game cams, yoga cams, etc).
When cams are full:
a) If you're not adding to the 'gonewild' aspect of the room or participating in chat, give up your cam slot as a courtesy to those who are.
b) If you're cammed in more than 1 room and the cam slots are full, please cam down as a courtesy to those waiting.
c) During peak times when cam slots are in high demand, mods may cam down people who are not 'going wild.'
No publicly posting chat logs.
No reposting whispers or PMs in public. If someone is harassing you in whispers or PMs, bring it to the attention of a room mod (use the /tellmods command). If a mod does not respond within a few minutes, then you are welcome to repost them in the room. Save chat transcripts of any harassment so you can provide proof.
Mods will advise of rules on first warning and advise of possible ban on second warning. Instant ban for aggressive racism/capping/posting personal info of others.
If you cam often and would like to mod, just ask!
Accounts are optional for chatting on this site, but the gonewild room is usually configured (by the gonewild room owners) to require a registered account. This is usually done to help minimize trolling, people impersonating other users, etc.
Like on Reddit, accounts are free and do not require email.
Don't get into personal arguments in public chat. These should be taken to private communication.
Don't ask people to 'private' if you haven't known them for awhile.
Don't criticize people of either gender for getting naked or doing some act. Close their cam if you don't want to see it.
Don't run video game playing cams during busy times. Rationale: it's not social, tends to drive away some people.
Don't compare bodies, directly or indirectly. Sure you might find person X more attractive that person Y, but it hurts the room when you broadcast it.
You get more respect and trust if you go on cam. You don't have to be on a lot for this.
If being harassed through chat or in PM please use /tellmods to let the room mods know. Save chat transcripts of any harassment.
One of the more common mistakes people make at first is to attempt to direct naked people by telling them what to do. This doesn't usually work and can result in people being annoyed. You are more likely to be successful with a more subtle approach, and by complimenting them.
It's important to realize that males (naked or otherwise) bring females. If you don't like seeing males, just disable their cams.
The chat isn't always about sex. Most of the people are geeks and/or redditors and talk about that kind of stuff a lot.
Lurking is a good way for newcomers to get a feel for how the room works. Long-time lurkers tend to make people nervous. Don't be that guy.
The current room is howimetyourmother
If there are problems the room may move without warning. Being a regular on-cam participant is a good way to stay in-the-loop.
Having a chat problem? Message the room owners.


text:
The latest version of Adobe Flash Player is required to watch this video.
Please click on the link below to download the latest version. Thanks!
A massive heat wave has more than two-thirds of the nation sweating and headed for cool air.
Temperatures are in the high 90s from the Midwest to the East Coast, and heat indices are even higher.
Meteorologists say the peak of the heat wave for major cities in the Northeast will hit Friday.
The heat index in Washington, D.C., is expected to reach 115 degrees. Philadelphia will have similar temperatures -- edging the cities closer to record-breaking heat.
"Honestly, it makes me not want to go out to lunch," Washington resident Katie Deekle said. "It makes me want to stay inside the air conditioning."
The busy lunch-rush in the nation's capital Thursday was all about frozen yogurt, as office workers ventured out of their air conditioned buildings in search of a sweet, cool treat.
"They come in sweaty," said Kevin Greezey, owner of FroZenYo. "We make sure we crank the a/c, and they feel great and get some frozen yogurt and they're on their way."
Still, frozen yogurt can't do it all.
Doctors and emergency officials are reminding the public to stay inside where it's cool, stay hydrated, and check on elderly friends, family, and neighbors to make sure they're okay.
Meteorologists warned that the recent hot spell, which has already claimed as many as 22 lives in the Midwest, could be worse than the 1995 heat wave that led to 750 deaths in Chicago alone.
Log in or create an account to post a comment.
Are you seeking answers in life? Are you hurting? Are you facing a difficult situation?
Find peace with God, discover more about God or send us your prayer request.
Call The 700 Club Prayer Center at 1 (800) 823-6053, 24 hours a day.
A caring friend will be there to pray with you in your time of need.
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text:
It has been three years since head coach Tom Coughlin and the New York Giants football team made it to the postseason.
Two years ago they started 5-0 but finished with an 8-8 record.
Last season they raced off to a 6-2 start but finished the season splitting their final 8 games, barely missing the playoffs at 10-6.
The Giants team of two years ago that started at 5-0 lost faith in then-defensive coordinator Bill Sheridan and stopped playing for him towards the end of the season.
Despite the 6-2 start, last year's team had 22 turnovers through those first eight games. That's an alarming 2.75 turnovers a game, something that we all knew would catch up to the team at some point.
This year's team is off to a solid 4-2 start, but with a pretty tough second half schedule coming up after the bye week.
Many Giants fans may be anticipating another late-season collapse, but here are nine reasons to believe the opposite will happen. This team is built to get better as the season goes.


text:
Financial Repression Redux
Carmen M. Reinhart
Peter G. Peterson Institute for International Economics; National Bureau of Economic Research (NBER)
Jacob F. Kirkegaard
Peter G. Peterson Institute for International Economics
M. Belen Sbrancia
University of Maryland
June 2011
Finance and Development, pp. 22-26, June 2011
Periods of high indebtedness have historically been associated with a rising incidence of default or restructuring of public and private debts. Sometimes the debt restructuring is subtle and takes the form of, "financial repression." In the heavily regulated financial markets of the Bretton Woods system, a variety of restrictions facilitated a sharp and rapid reduction in public debt/GDP ratios from the late 1940s to the 1970s. In this paper, we summarize our findings for the post-World War II period for a selected group of countries and document the resurgence of financial repression in the wake of the 2007-2009 financial crises and the accompanying surge in public debts in advanced economies.
Number of Pages in PDF File: 3
Date posted: June 15, 2011
Suggested Citation
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text:
High-surf, wind advisories issued
The National Weather Service has issued high-surf and wind advisories for Maui.
A high-surf advisory for the north-facing shores of Maui and Molokai begins at 4 p.m. today and continues through 4 p.m. Monday.
Surf along north-facing shores of Maui and Molokai is expected to reach 10 to 15 feet this evening, peaking at 12 to 18 feet tonight and decreasing to 12 to 16 feet Sunday.
Beachgoers are urged to stay out of the water and away from the shore break.
A wind advisory has been issued for the Haleakala summit through 6 p.m. today. There may be sustained winds of 30 mph or gusts of 50 mph.
Southwesterly winds of 25 to 35 mph with localized gusts of more than 45 mph are expected through this evening.
Winds can make driving difficult especially for high-profile vehicles, and people should secure loose objects that may become airborne or move them indoors.
Phishing scheme targets customers
Territorial Savings Bank is warning of a potential phishing scheme that has been targeting the bank's customers.
Several customers on Oahu and on the Neighbor Islands have reported that they have received suspicious phone calls over the past week that originated from a Mainland number, according to a news release from Territorial Savings. The caller on the line tells the customer that their card has been deactivated and the customer is asked to press "1" to reactivate it.
The caller then asks for the customer's card number. The caller does not indicate bank name or type of card, such as debit or credit.
The bank said it will never ask for personal financial information over the phone.
Customers that suspect they have been victims of the scheme should call Territorial Savings Bank and ask for the Electronic Banking Department at (808) 946-1400.
Customers also may contact the Federal Trade Commission's ID Theft Consumer Response Center at (877) ID-THEFT or (877) 438-4338 or go online to www.ftc.gov/idtheft for more information.
Maui gasoline price heads higher
The price of unleaded gas in Wailuku on Thursday was $4.56 a gallon, up a penny from last week, according to the AAA Hawaii Weekend Gas Watch.
The Wailuku price was 28 cents more than last month and 2 cents more than a year ago.
The Maui price was 17 cents higher than the state average price of $4.39 a gallon. The Hawaii average was a penny less than last week, up 15 cents from last month and down 4 cents from the same time last year.
Honolulu's average price was unchanged from last week at $4.31 a gallon. That was still up 11 cents from last month but down 2 cents from a year ago.
Hilo's average price also was lower than Maui's at $4.37 per gallon, unchanged from last week. That was 9 cents more than last month and 23 cents less than this time a year ago.
AAA Hawaii Weekend Gas Watch is a weekly snapshot of gas prices. Prices are derived from fleet vehicle credit card transactions and are the combined averages of the last card swipe of the previous day.
Cashiers boost cafeteria business
Maui Memorial Medical Center recently added cashiers to its cafeteria alleviating the need for customers to purchase a ticket in order to get meals.
The hospital said that since switching over to the new cash-based system, the cafeteria as seen a "robust" increase in both visitor and staff use.
The cafeteria is open to the public from 7:30 a.m. to 6 p.m. daily. It features both hot and cold items and a variety of beverages. There will be upgrades and food item additions in the coming weeks.


text:
We are happy to offer a massive range of cheap wedding shoes but unfortunately as styles are discontinued we are left with many cheap wedding shoes but not full size ranges. So we decided to condense all the discounted cheap wedding shoes into size categories and here we are happy to showcase our 3s and 4s, 5s and 6s,7s and 8s, 9s and 10s
Not only are you assured of a bargain with the sale you still have a massive choice of cheap wedding shoes in colours within each style because we can dye your cut price dyeable shoe to any colour imaginable. All these shoes are new but may have been tried on in our store or via mail order but either way we are offering a quality product.


text:
Promote your Valentines party event with this sexy sophisticated flyer template!
3 Color Versions included!
Print Ready Size: 4" x 6" with bleeds
Easy to add your own images.
EASY TO EDIT and customize!
A help file is included with FREE font links.
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The first day of ESOF 2012 began with a welcome reception followed by the opening ceremony in The Auditorium at the Convention Centre in Dublin. President Michael D Higgins gave a poetic speech which had the audience enthralled.
This was followed by the eloquent Professor Patrick Cunningham, Chief Scientific Adviser to the Government and our Galwegian Gaelgóir in Europe, Commissioner Máire Geoghegan-Quinn. The Euroscience President, Enric Banda, said a few words before there was an unexpected entertaining interlude, involving lots of traditional Irish music & dancing by Rhythm Corporation.
The Government were also represented by Richard Bruton, Minister for Jobs, Enterprise and Innovation and Seán Sherlock,Minister of State, Department of Enterprise, Jobs & Innovation and Department of Education & Skills with responsibility for Research & Innovation.
Master of ceremonies, Dara O'Briain, was his usual wonderful witty self, encouraging visits to Irish pubs and vast consumption of Guinness by the visitors to help keep the economy afloat.
The charming Professor Luke O'Neill from Trinity College gave a warm introduction to the first keynote speaker, Nobel Laureate 2011 Professor Jules Hoffmann. His keynote address was entitled "From insects to mammals: reflections on a European journey through basic research on immune defences".
There are many brilliant blogs worth checking out including The Frog Blog.


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L4D2 Review
Make no mistake, this is an excellent sequel that does much to build upon the foundations of the first game.
Still, if you're struggling to get past a certain section, it will often be because of a problem within your group. Left 4 Dead 2 is very much a team game, and to get the most out of it you'll need three other friendly gamers - because playing alone with the AI is as dull as a milk-flavoured milkshake. Unfortunately, "friendly gamers" can often seem as rare as rocking-horse poo, so ideally you'll be playing with people you know. In contrast with most online shooters, where conversation essentially equates to being screamed at by a 14 year old kid from Kentucky. headsets are all but essential here. I know that 93 per cent of communication is non-verbal, but in Left 4 Dead the only thing your body can say is "Eat lead, sucka!" or "Oh bollocks, I'm dying." Actually, that's not quite true: the four characters here are far more verbose than the previous game's cast, and they'll frequently come out with excellent snippets of dialogue. Still, my point stands.
Aside from the occasional bouts of being irritatingly aggressive, the only criticism I can make of this sequel is that many of its structural changes are minor. I know there's the whole "If it ain't broke don't fix it," argument, but it's still something to be taken into account - especially if you own the first Left 4 Dead. To be fair to Valve, there are now several alternative game styles to play if you fancy a change from the norm. For a start there's a version of the Versus mode from the first game, wherein one team plays through stages as the Survivors while another quartet plays as Special Infected. There's also a Survival mode where teams attempt to last as long as they can against a never-ending wave of threats. But if you're looking for a hardcore challenge, Realism mode is your best bet. Here you play through a chosen scenario as normal, but without any of the visual aids that help you find pick-ups - or indeed your friends, should you get lost. You foes are also harder to kill, and if a survivor dies then they're gone forever. These changes have a surprisingly large impact on the game, to the extent that teamwork becomes essential at all times. It won't be for everyone, but gamers who like a rough ride will get a real kick out of it.
Finally, but by no means least, we have Scavenger - a competitive team game that turns the fuel-based finale of Dead Center into a four-on-four contest. One team is given a limited amount of time to fill up an engine or vehicle by retrieving gas tanks dotted around the map; the other four players control respawning Specials and attempt to hinder their progress. When time runs out the sides swap over and the game plays out again. The team with the highest score wins the round, and after a set number of rounds an overall winner is declared - matches use a fighting game-style best of 1/3/5 structure.
This may not sound like a particularly big deal, but trust me when I say that Scavenger is one of the best multiplayer experiences of 2009. Obviously a lot of the mechanics from the main game are present and correct, but the pace of the action is faster and more free-flowing. There are fewer standard Infected around and more Specials, and since the latter are now controlled by humans, there's now a need to out-think your opponents. As with Versus Mode, it's incredibly fun to play as the Infected - particularly if you're controlling a Spitter, as his corrosive sputum can set the fuel cans alight. There's a special kind of evil fun that can only be had from ambushing a pair of survivors as they approach the generator, where a well-aimed gob can cause total havoc. Until you've seen a burning man fall over into a pool of acid, you haven't lived.
Aside from being great in its own right, Scavenger shows us that Valve is starting to think about ways to expand the remit of the Left 4 Dead experience. Make no mistake, this is an excellent sequel that does much to build upon the foundations of the first game; however, if there is to be a third entry in the franchise - and I've no doubt that there will be - then Valve will have to go further with its changes. But hey, that's something to deal with in the future. For now, we have Left 4 Dead 2 - a top-quality shooter with oodles of style. And for that, we should be truly grateful.


text: I'M using Mint Linux but I'd like to be able to use the Ubuntu One Music store. The Ubuntu site does not offer a link file they just assume that if you're wanting to use Ubuntu One that you must already have Ubuntu, which comes pre packaged with Ubuntu One Music. I contacted them requesting a link to the .deb file. I was then told they do not offer that file for download nor will it work on any Linux distro except of course, Ubuntu. They offered to put me or anyone I know in contact with the development team if I was interested in helping out in that department. But since my programming skills are little and less I thought I would see if anyone here was really board and would like to pass the time cross-distroing Ubuntu One. -------------- next part -------------- An HTML attachment was scrubbed... URL: <http://chugalug.org/pipermail/chugalug/attachments/20121115/899a52c2/attachment.html>


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PayPal announced on 25 July it has agreed a partnership with the City of London Police ('CoLP') and the International Federation of the Phonographic Industry (IFPI), the trade body that represents the music industry, to cut funding to websites deemed 'illegal' by the IFPI and CoLP. / read more
The Reserve Bank of India (RBI) is stepping up its efforts in a bid to improve the security and quality of payment transactions in the country. / read more
Online peer-to-peer (P2P) lending is experiencing unprecedented levels of growth in the US, as the cost of borrowing from banks and credit cards remains high and the current economic climate uncertain, according to reports. / read more
US / read more
Since the EU Commission published, last December, its proposed regulation regarding migration to EU-wide credit transfer and direct debit ('the Regulation')1 which, among other things, proposes separate end-dates for migration to SEPA credit transfer and direct debit2, a debate on whether there should be two separate end-dates or one single migration date for this SEPA initiative has arisen. / read more
The Faster Payments Service (FPS) was launched in May 2008, as a UK banking initiative to reduce payment times between different banks' customer accounts, through speedy online transfers and by telephone. The original purpose for creating FPS was to replace the three-day cheque clearance process, and pressure was put on the banks by regulators to rectify this. Three years on and the industry's view is that FPS is not being used widely enough. And, it seems that few people can claim to know what the service is; in a study conducted by VocaLink in 2010, only one in four respondents stated they are definitely aware of FPS. / read more
Following a protracted and controversial political battle to block or delay its issuance, the Federal Reserve Board (FRB) issued the long-awaited Debit Card Interchange Fee and Routing Rule on 29 June 2011. The rule, implemented as FRB Regulation II ('Reg II'), will take effect 1 October 2011. As adopted, Reg II appears to be an attempt to balance the interests of retail merchants that lobbied hard for inclusion of Section 1075 of the Dodd-Frank Act ('DFA') - the 'Durbin Amendment' - and those of bank issuers and card networks that originally opposed inclusion of the Durbin Amendment in the DFA last year, and attempted to delay its effective date this spring. Stanton R. Koppel, Kevin Petrasic and Ky Tran-Trong, of Paul Hastings LLP, discuss the rules and analyse the expected impact on the payments and cards industry. / read more
"We...remain deeply concerned about China's continuing efforts to reserve its domestic payment card market for one state-owned enterprise, to the exclusion of American credit and debit card companies," said United States Trade Representative Ron Kirk, in February 2011. Several months on and the state of play is still the same, with the US launching a dispute resolution process with the World Trade Organization in a bid to create access to the Chinese electronic payments market. Mark R. Ludwikowski, Member at Sandler, Travis & Rosenberg, P.A., examines the situation to date and discusses the implications on the US card payments market. / read more
The 'Europay, Visa, Mastercard' standard (widely known as the 'EMV' standard) for card transactions has known exponential growth worldwide, backed by global concerns for transaction security and flexibility. However, despite some major advantages, there are still some countries - most notably the US and India - that have not yet migrated their transaction systems to such a standard. Andre Stoorvogel, Marketing Manager at Bell ID, outlines the current use of EMV technology and highlights the importance of global EMV acceptance to ensure long-term security and reduced fraudulent activity within the payments market. He also examines some of the reasons why migration to EMV may be hindered, using the US as an example. / read more
On 28 June 2011, the UK's Office of Fair Trading (OFT) published its findings on its investigation into payment surcharges, in particular those imposed by the passenger travel sector for online transactions. The OFT concluded that such payment surcharges make price comparisons more difficult for consumers, cause consumer detriment and can weaken competition between traders. Claire Brinn, an Associate at Field Fisher Waterhouse, discusses how the OFT's report will impact the practice of 'paying to pay'. / read more
The fight between merchants and card schemes over fees on card acceptance is not new. On the one hand, banks and card schemes claim that the fees they charge are essential to the viability of the system and, on the other, merchants in Europe and worldwide see these fees as profoundly unfair, disproportionate and anti-competitive. The latest round was fought out in the European Court of Justice, and is far from over. The outcome will have profound effects for the future of payments in Europe, as Cecile Gregoire and Ruth Milligan, of EuroCommerce, discuss. / read more
The monthly law journal covering legal issues in banking, e-finance, e-money and online payments including, mobile payments (m-payments), micropayments, pre-paid cards and other payment cards, online banking, NFC (near field communication) and other contactless payments, digital currencies such as Bitcoin, mobile wallets and virtual money, e-invoicing, e-billing and e-payments, card fraud and other cybercrime, as well as regulatory regimes such as the E-Money Directive (EMD and 2EMD), the Payment Services Directive (PSD), SEPA, the US Electronic Money Regulations 2011, and the UK Bribery Act 2010. / read more


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We have something so rare to show you the man who found it said it was an act of god. An extremely precious stone, that's been around for 400 million years!
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Pervez Musharraf
Former President Musharraf will address the challenges facing Pakistan and the region, and their impact on U.S.-Pakistan relations.
Related readings:
Washington Post: Double Trouble in Afghanistan
The Gloves Come Off by Daniel Markey
New York Times: And Hate Begat Hate by Ahmed Rashid
More from this series
A Conversation with Daniele Nouy
Daniele Nouy discusses European banking supervision.
Making Sense of China's Markets
Experts discuss China's markets.
Europe Update
Experts discuss the economic, political, and social conditions in Europe and analyze what is next for Italy, France, and Germany.
Terms of Use: I understand that I may access this audio and/or video file solely for my personal use. Any other use of the file and its content, including display, distribution, reproduction, or alteration in any form for any purpose, whether commercial, non commercial, educational, or promotional, is expressly prohibited without the written permission of the copyright owner, the Council on Foreign Relations. For more information, write firstname.lastname@example.com.


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KIEV, Ukraine — In a somber show of U.S. support for Ukraine's new leadership, Secretary of State John Kerry walked the streets Tuesday where more than 80 anti-government protesters were killed last month, and promised beseeching crowds that American aid is on the way.
Kerry met in Ukraine with the new government's acting president, prime minister, foreign minister and top parliamentary officials. Speaking to reporters afterward, Kerry urged Russian President Vladimir Putin to stand down and said the United States is looking for ways to de-escalate the mounting tensions.
"It is clear that Russia has been working hard to create a pretext for being able to invade further," Kerry said. "It is not appropriate to invade a country, and at the end of a barrel of a gun dictate what you are trying to achieve. That is not 21st-century, G-8, major nation behavior."
Kerry made a pointed distinction between the Ukrainian government and Putin's.
"The contrast really could not be clearer: determined Ukrainians demonstrating strength through unity, and the Russian government out of excuses, hiding its hand behind falsehoods, intimidation and provocations. In the hearts of Ukrainians and the eyes of the world, there is nothing strong about what Russia is doing."
He said the penalties against Russia are "not something we are seeking to do, it is something Russia is pushing us to do."
President Barack Obama, visiting a Washington, D.C., school to highlight his new budget, said his administration's push to punish Putin put the U.S. on "the side of history that, I think, more and more people around the world deeply believe in, the principle that a sovereign people, an independent people, are able to make their own decisions about their own lives. And, you know, Mr. Putin can throw a lot of words out there, but the facts on the ground indicate that right now he is not abiding by that principle."
Kerry headed straight to Institutska Street at the start of an hourslong visit intended to bolster the new government that took over just a week ago when Ukraine President Viktor Yanukovych fled. Kerry placed a bouquet of red roses, and twice the Roman Catholic secretary of state made the sign of the cross at a shrine set up to memorialize protesters who were killed during mid-February riots.
"We're concerned very much. We hope for your help, we hope for your assistance," a woman shouted as Kerry walked down a misty street lined with tires, plywood, barbed wire and other remnants of the barricades that protesters had stood up to try to keep Yanukovych's forces from reaching nearby Maidan Square, the heart of the demonstrations.
Piles of flowers brought in honor of the dead provided splashes of color in an otherwise drab day that was still tinged with the smell of smoke.
"We will be helping," Kerry said. "We are helping. President Obama is planning more assistance."


text:
In article
, Bible
John says...
> I keep thinking about doing this. The HPC world is DEAD, as their is
> virtually no new software being developed, and virtually NO SUPPORT. The
> HPLX DOS machines will last longer and hold their value longer, because
> they run a more universal OS, and seem to still hold value for certain
> industries. Aviation, data collection, and trains would be just a few
> that still use the HP DOS machines. I've thought about selling and
> moving to the HP 200LX DOS 5.x machine several times.
> If I did sell and move to a PocketPC what would you recommend? I may
> have asked this question before, but realize that the market changes
> daily, and I post daily, so it would be hard to recall any posts. I've
> thought about the Dell PocketPC's. Another major drag about doing this,
> is that I would lose all my software, and not every file may convert.
> PocketPC users can your systems read .pwd doc files? HPC stores its
> Word files in this format. How about .pxl?
> It will be a tough decision deciding if I will sell my Jornada 720, and
> if I did to move to a Pocket PC or DOS HP 200LX. The advantage of the
> DOS machine is it lasts months on AA batteries, but the disadvantage is
> that it cannot sync, but will act as an entirely different PC running
> old DOS. I did take basic and advanced DOS years ago, so it may come in
> handy. But then again it was under DOS 6.22, and the 200LX runs DOS 5.x.
> The DOS machine also cannot use wifi or a web browser, so it may act
> more as a cute little organizer, rather than another computer.
Tried asking god?


text: The new issue of She arrived in the office the other day and you know what? It's looking rather sleek and stylish these days - very impressed, we were. Anyway, here is Aubade's Hotel Tropical bikini adorning the beauty pages. A glamorous halterneck, it comes in this season's subtle take on gold - a creamy champagne.


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Beth Hoschar has been making art in Studio 42 of the Pajama Factory, 1307 Park Ave., since August 2010.
"I was the first person to rent these walls," she said.
In the past two years, Hoschar has made the space very much her own. Her work occupies virtually every surface of the studio - walls, ceiling, desk, shelves, floor.
Article Photos
Hoschar works in a range of mediums: painting, pencil drawing, photography, sculpture, jewelry and spray paint, to name a few.
"I can never stick with anything for too long," Hoschar said. "If I find a new way to make things, then I mess around with it for a little bit and then move onto something else that's interesting. I've always been interested in art, but I haven't yet found something that I love and want to do all the time, like some people paint all the time, or sculpt. I just love making things."
Hoschar's work is so varied in terms of subject and medium, that she had difficulty talking about her work as a whole.
"I don't know how I could sum it up," she said. "I like color and I like words. Music really inspires me. I know everybody says that, but it's true for me. I don't have the ability to write music, but a lot of my drawings have song lyrics in them that are kind of coded, stretched out and warped so that you can't really read it right away; it's not right there in front of you."
Hoschar indicated one such piece: a skateboard deck she had painted with a distorted line of words, a sentence, that took a minute to decipher.
" 'Many men can't see the open road,' " Hoschar said helpfully. "Led Zeppelin."
Her work has been described as "organized chaos," a label Hoschar says is accurate in terms of her working method.
"That's definitely how it goes. I can't sit down and work on a project until it's finished. I have about 10 open projects I'm working on at any given time. If this one's drying or I don't know what to do next, I can just move on to the next one."
Hoschar doesn't have an established working routine, in part, because she wants every new project to dictate its own routine and method of production.
"I don't really have a process of making things," she said. "It's always a learning experience for me."
Hoschar pointed to a small, spray-painted canvas resting against her studio wall.
"That's my first attempt at freehand spray painting," she said. "It's not at all finished, but I'm just learning how to use spray paint. I'm always learning about some new medium. That's how I want it."
The octopus is a recurring motif in Hoschar's work and studio. The more you look around, the more you find - the tentacled Ikea drying racks hanging from the ceiling, her series of seven octopus paintings scattered about the walls and bookshelves of her studio, the abstract marker drawings of what look very much like tentacles. Hoschar said she's always been drawn to the octopus. When she turned 18, Hoschar got her first tattoo - an octopus.
"I don't know what it is about octopuses," she said. "They're strange, sexy, creepy things. It's a weird obsession that I have."
Hoschar has shown some of her photography in downtown venues, but says she doesn't have a strong desire to exhibit her work because, as she modestly put it, "I don't really feel like my work is up to the caliber where I could put it in a gallery or put a price tag on it."
Although many would disagree with her on that point, there is another reason Hoschar is hesitant to exhibit.
"I think art should be free," she said. "I open up my studio whenever I'm here to let people come in and look around, but I haven't really sold anything since I've been here."
Hoschar's free-art ethos is partly inspired by one of her favorite artistic movements: graffiti and street art.
"I'm really interested in both," she said. "It's out there and there's no censorship or anything. That's really inspiring to me. And it's free to everyone. I wouldn't call art a job. It's not work for me. I would never want to have to depend on selling paintings so that I could eat dinner, because then it becomes work and isn't fun anymore."
Born in Ohio, Hoschar moved to Tennessee and lived near Nashville until she was 8, when her family relocated to Williamsport.
"I've been here ever since," Hoschar said. "So, I'd call Williamsport my hometown."
As someone who has spent much of her life here, Hoschar was excited to witness the art scene that has grown up around Williamsport in recent years, and especially thrilled about the opening of the Pajama Factory. "It's really awesome," Hoschar said. "Everybody who comes in here on First Fridays always says how great this building is. You can't really describe it enough to express how great it is to have a place where all these creative minds can meet, work and discuss ideas."
Hoschar said that being a Pajama Factory tenant has been a benefit to her work.
"Having a studio here has definitely been inspiring in terms of trying new mediums," she said. "You can walk down the hallway and get inspired by a photograph, a painting or by what other people are working on. I've definitely started creating more artwork since I've been here because I actually have the space to do it. When I'm here, I'm here to paint and do work. I'm here to focus and get my stuff done."
When she's not in her studio, Hoschar works at a day care. She says her job is a great source of inspiration.
"I work with 2 to 4 year olds," Hoschar said. "It's definitely something new every day and pretty inspiring, too. Just the way they view the world - it's so untainted, it's such an innocent way of seeing."
That childlike perspective is present both in Hoschar's work and in the way she goes about making it. Hoschar called herself a "self-trained artist," a label which seems especially appropriate given her emphasis on exploring new mediums and ensuring that her work is always a learning experience. Hoschar is always learning, always in-training, and so she is always coming to her work with a fresh perspective and an innocent eye.


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Hot holiday park deals for 2014
We all need a holiday to look forward to, so we have rounded up the very best early booking deals from Haven, Park Resorts and Park Holidays to help you save on your 2014 short break. Book now and you can avoid price increases by paying for your 2014 holiday at 2013 prices, and you get the widest choice of parks and holiday accommodation. Don't miss out on these great 2014 offers from Haven, Park Resorts and Park Holidays.
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With a choice of 2, 3, 4 and 7 night breaks at 39 superb coastal holiday parks, there's always something to keep the whole family entertained at Park Resorts. Save up to 30%* on 2014 breaks for a limited time only and pay a low deposit of £30 (balance payable 12 weeks before holiday start date).
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*Terms and conditions apply: 30% Savings vary depending on the Park & dates and/or grade of accommodation, subject to availability. Offer applies to new bookings only & is not valid for group bookings of 10 units & above. Offer ends 31st January 2014 & cannot be used in conjunction with any other offer or vouchers. Offer excludes camping & touring holidays.
† Terms and condition apply


text:
There's still a long season ahead for the Matthew Johnson, Jeremy Wimpey, and the Scion Racing Rally xD team, but they gotten off to a solid start by taking 1st Place at Rally America's Sno*Drift Rally. Before the team headed off to Michigan for the race, we caught up with them to see Matthew get behind the wheel of the car for the first time, as the team worked to get the car dialed in.http://www.youtube.com/watch?v=FYo0UlUUNNY]
Check out the video to follow them through the entire event, from their pre-race prep at the Evasive Motorsports garage in Southern California, to the snow-covered trails of Atlanta, Michigan. Also, stay tuned for more updates as the Rally xD team gets ready to take on their event of the season at the Rally in the 100 Acre Wood!


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GLENDALE, Ariz. -- Five and a half hours until the BCS National Championship game kickoff and the parking lot at University of Phoenix Stadium feels like ... Eugene, only warmer. There's scarcely a cloud in the sky and the temperature hovers at 60ish.
Oregon license plates abound, and rental cars are decorated a la Duck.
Brilliant yellow T-shirts compete with the screaming orange ones Auburn fans are wearing.
Cameras click. Laughter, smack talk and cries of "Go Ducks!" fill the air.
Overheard from a tailgater: "Don't throw that away. You throw that away that's what we call alcohol abuse."
The day is young.


text:
Retail Means Jobs road show visits Dallas
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This week, NRF President and CEO Matthew Shay took the Retail Means Jobs road show to the Lone Star State - where one in four Texas jobs - more than 3 million jobs total -is supported by retail.
More than 60 retail and business executives, including event co-host Kip Tindell, CEO and Chairman of The Container Store, were on hand for a frank conversation on retail's public policy priorities and how to engage in the next phase of the campaign to change public perception about retail.
Mr. Shay emphasized how NRF is engaging retailers, consumers, suppliers and policymakers on retail's public policy priorities. These priorities include shutting down the
that unfairly hurts brick-and-mortar retailers, reforming our burdensome
to encourage more foreign shoppers, and generating bipartisan support for upgrading our aging
Texas retailers, which include the likes of The Container Store, GameStop, JC Penney, Michael's, RadioShack and Zales provide 16 percent of the state's GDP. In fact, the Houston area is home to over
– making it one of the most retail-supported regions in the country.
At the event, Shay called on the executives to join the effort – highlighting both the Retail Means Jobs campaign and success of the "This is Retail" video contest . "We have the ability to collectively help get our economy moving," Shay said.
The Retail Means Jobs event was co-hosted by the Dallas Regional Chamber and The Container Store.
Recent @NRFnews
RT @ellendavis: On my way to #shoporg16. First up: dinner with our Ray Greenly Scholarship recipients tonight! Can't wait to meet them. #re…11 hours ago Reply Tweet Favorite
RT @DontBullyMyBiz: When Peter Braxton was sued by a #patent troll, he spent > $100,000 out of his pocket to defend his company in court ht…2 days ago Reply Tweet Favorite
RT @DontBullyMyBiz: #PatentTrolls are stifling innovation across America. Find out how https://t.co/BWhEtCa4kU https://t.co/K4G4kAhQ2x2 days ago Reply Tweet Favorite


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Walmart to Open 11 Supercenters Across Canada
Posted on January 23, 2015 by
MISSISSAUGA, Ontario-Walmart Canada said it will open 11 supercenters across Canada by Jan. 29.
The first six grand-opened yesterday--two on Prince Edward Island, one in Nova Scotia, one in Saskatchewan, one in Alberta and one in British Columbia. Five more will open on the 29th--two in Ontario, one in Quebec, on in Manitoba and one in Alberta.
These stores are part of Walmart Canada's plan to open 35 new supercenters by the end of the company's 2014 fiscal year, on Jan. 31. These projects included building new supercenters and expanding, remodeling or relocating existing stores.
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The Hands-On Mobile Design Group is an interdisciplinary team which is
defining and delivering the future of mobile user experiences. As a
member of the team you will work closely with product management and
product development to create compelling, rich mobile applications for
top tear brands, for distribution across all the major carriers.
Our ideal candidate will have at least 3+ years experience with User
Interface design processes and methodology, and be able to visualize
concepts quickly and clearly. Recent mobile design experience is
essential. Familiarity with Smartphone standards and guidelines is not
necessary, but is a plus.
Demonstrated experience designing compelling consumer experiences is
required. Please include sample wires, URL's or screen shots of recent
UI work.
* Produce Information Architecture, screen mockups, flow
diagrams, etc.
* Experiment with new interaction patterns that push the
* Define compelling consumer-focused user experiences that
invite and promote continued usage.
* Lead in creating UI standards and guidelines for a new mobile
* Work side-by-side with visual designers to ensure the overall
creative solution delivers on user requirements.
* Take creative direction to deliver a consistent high-quality
user experience.
* Applying user-centered design processes to develop high
quality user flows, wireframes and reusable interface components
* Assisting in setting product direction and UI requirements
based on business and user needs
* Working closely with the Product Management organization to
develop the desired functionality to ensure that product requirements
are met.
* Demonstrate flexibility working with various types of
* Bachelor's or Master's degree in user
interaction/interface/human factors or similar field or equivalent
* 3+ years designing consumer experiences for web, desktop or
mobile. Mobile experience a must.
* Demonstrated strength in interaction design.
* Experience with web and desktop applications a must.
* Recent mobile design experience is essential. Familiarity
with Smartphone standards and guidelines is not necessary, but is a
* Ability to thrive in a highly collaborative, fast-paced,
iterative environment
* Creative problem solving skills and the ability to generate
solid design ideas. You must know how to trade off user and technical
needs against pure creative inspiration.
* Proficiency with Flash for user interface prototyping a plus.
* Mastery of user-centered design process and expert interaction
design skills
* Ability to work independently and collaboratively
If this job sounds like you and you think you can add value to our
fantastic team, then apply to jobs at handson.com including your resume and
cover letter.


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Three NCAA Div. III national titles
PELLA—The momentum the Central College volleyball team carried through its first two sets Tuesday in the home opener with Coe College appeared to have left the building.
Coe (3-10 overall, 1-2 Iowa Conference) had stormed back to take the next two sets and was up 3-0 in the fifth before the resurgent Dutch took a 3-0 deficit, turned it into a 12-6 lead and took the match 25-18, 25-21, 22-25, 22-25, 15-11.
"We got a couple of key blocks in game five," coach Kent Clayberg said. "This is a team that either plays with energy or it doesn't. We stuck a couple of big blocks and suddenly the juice comes back."
Right-side hitter Ashley Ellingson (junior, West Des Moines, Valley HS) had 17 kills and hit .316 for the Dutch (12-3 overall, 1-1 conference). Outside hitter Michelle Ripperger (senior, Urbandale) had 14 kills while setter Maggie Snyder (sophomore, Alexandria, Minn., Jefferson HS) had 48 assists in the two-hour match.
Central, which was making its home debut after a rigorous 14-match road stretch, gets a rare weekend off then returns to conference play next Tuesday, playing host to Cornell College in a 7:30 p.m. match.


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Cheryl Hilman
Room 1042
Cheryl Hilman and her family are long time residents of Laramie, Wyoming. Cheryl joined the College of Engineering and Applied Science after completing her Computer Science degree here at the University. Previous to working for the college Cheryl completed a Mathematics degree and taught mathematics to Junior High through University students. She also worked as an archaeologist for several years.


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Louisville's RiverPark Place project is moving forward.
Eight years after its initial plans, the first 80 tenants are all moved in and developers are continuing to build right along the Ohio River.
Developers conceived this in 2005 and soon after, they began to dig and set up infrastructure.
But a few years in, the economy took a nose dive and the plans were shelved.
On Thursday, WLKY got a tour of the apartments, which are still under construction.
The rest of the tenants will move in by May and then restaurants and shops are expected to get underway by the summer.
Developers say future tenants shouldn't worry about downtown flooding.
"The apartments themselves are built above the flood plane, so there's no concern there," said Nicki Sibley, with RiverPark Place public relations.
The units available are for rent, but developers plan to add condos to the project as well.


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So, what was that thing about Kevin Garnett, Ray Allen and Paul Pierce not having any Finals experience?
So what; The Big 3 proved that they're not satisfied with an Eastern Conference championship. They're not going to be happy until they take home the big boy.
That much is apparent after Game 1. Check out these numbers:
Kevin Garnett --- 24 points, 13 rebounds
Paul Pierce --- 22 points, 4 rebounds, 7-of-10 from the field
Ray Allen --- 19 points, 8 rebounds, 5 assists
With production like that, there is no question which team's Big 3 brings more to the series. I'm especially happy about the well-rounded game from Ray Allen. Throughout much of the last three series, Ray-Ray didn't have anything going on. It's nice to see it all come back for him --- against Kobe, nonetheless. Another thing to note is the energy Allen brought tonight. With Pierce in foul trouble and nursing the knee injury, he only played 31 minutes. Ray-Ray more than picked up his slack.
I like the way this is going.


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Archaeologist and author. And some other stuff. Also I was diagnosed with Lyme disease just after I finished my first contribution to Cracked, but I'll be back in action soon...
I'm also a graduate student, so that eats away most of the time I would otherwise spend on more important life-goals like hiking, writing funny articles, or getting (more) laid.
No articles found.
No columns found.
No videos found.


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Marion G. Peters, MD
Research Interests
My major interest is in viral hepatitis and the role of the host immune response. My work focuses on interactions among alcohol use, cannabis use and HIV co-infection on fibrotic outcomes of HCV infection. We are currently evaluating the predictors of progression of liver disease in HIV and HCV coinfected women within the Women's Interagency HIV Study (WIHS): the role of alcohol, cannabis, HIV status and control as well as reproductive aging on the severity and rate of progression of liver disease. We are also studying adherence to antiretroviral therapy in HIV/HCV co-infected women and on HCV-specific and innate immune responses in persons co-infected with HCV and HIV. I work within the AIDS Clinical Trial Group to develop clinical trials in viral hepatitis and HIV and within the Women's Interagency HIV Study (WIHS) to examine predictors of liver-related morbidity and mortality in a cohort of women with HIV/HCV infection.
Selected Publications
Sarkar M, Bacchetti P, French AL, Tien P, Glesby MJ, Nowicki M, Plankey M, Gange S, Sharp G, Minkoff H, Peters MG; for the Women's Interagency HIV Study (WIHS). Lower liver-related death in African-American women with human immunodeficiency virus/hepatitis C virus coinfection, compared to Caucasian and Hispanic women. Hepatology. 2012 Nov;56(5):1699-1705.
- Mileti E, Rosenthal P, Peters MG. Validation and modification of simplified diagnostic criteria for autoimmune hepatitis in children. Clin Gastroenterol Hepatol. 2012 Apr;10(4):417-21.e1-2.
- Bambha K, Pierce C, Cox C, French AL, Tien PC, Sharp GB, Augenbraun M, Glesby MJ, Villacres MC, Plankey M, Strickler HD, Gange SJ, Peters MG. Assessing mortality in women with hepatitis C virus and HIV using indirect markers of fibrosis. AIDS. 2012 Mar 13;26(5):599-607.
- Luetkemeyer AF, Charlebois ED, Hare CB, Black D, Smith A, Havlir DV, Peters MG. Resistance patterns and response to entecavir intensification among HIV-HBV-coinfected adults with persistent HBV viremia. J Acquir Immune Defic Syndr. 2011 Nov 1;58(3):e96-9.
- Professor
- Medicine/Gastroenterology
Research Theme
- Liver Injury and Repair
Contact Information
- marion.peters@
- Phone: (415) 502-0318
- Fax: (415) 476-0659
- 513 Parnassus Ave.
- Box 0538, S-357
- San Francisco, CA. 94143 - 0538


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Benjamin Franklin House and the Royal Society for the encouragement of Arts, Manufactures, and Commerce (RSA) are requesting prospectuses for papers to be presented 30 November 2000 at a half-day conference at the RSA on the theme:
Franklin Values in the New Millennium.
The dawn of a new millennium warrants consideration of the values and ethics appropriate to a new age. It also calls for reflection on the ideas of earlier generations in order to discern their current relevance. Benjamin Franklin was a critical figure in the 18th century Age of Enlightenment that celebrated reason, respect for humanity, and the ideals of political and economic liberalism, freedom, and democracy.
In his Autobiography Franklin outlined thirteen virtues he sought to attain in his youth: temperance, silence, order, resolution, frugality, industry, sincerity, justice, moderation, cleanliness, tranquility, chastity, and humility. Are these and his proposed methods for attaining them merely quaint remnants of a long-past epoch or do they have resonance for the 21st century? What today is the weight of global values Franklin espoused in relation to industry, trade, politics, religion, and science, among other areas?
Six papers will be presented at the symposium and it is hoped that a conference volume will be published from the proceedings. We encourage wide-ranging interpretation of the topic, and request those interested to submit a prospectus of their paper (500-750 words) for consideration by 30 June 2000. Prospectuses should be sent by mail to: 36 Craven Street, London WC2N 5NG or by email to: firstname.lastname@example.com
Benjamin Franklin House, at 36 Craven Street, London, is the world's only remaining Franklin home. A dedicated group under the auspices of the Friends of Benjamin Franklin House are working to turn the House, where Franklin lived for nearly sixteen years between 1757 and 1775, into a dynamic museum and educational facility. It will be the preeminent centre for Franklin scholarship in Europe.
The RSA set up a Forum for Ethics in the Workplace in 1997 in collaboration with the Comino Foundation. Its primary objective is to provide a setting in which people from a wide variety of professions and occupations can discuss ethics in the context of work. The ultimate aim of the Forum is to promote action that encourages a more ethical and equitable workplace. Business ethics are a primary concern as well as ethical practice in politics and local government, education, healthcare, the media, the police, the judiciary, and non-government and not-for-profit organisations.
The tie between Benjamin Franklin and the RSA is longstanding. Franklin was an early member of the Society founded in 1754. From 1757, Franklin regularly attended meetings and in 1760 was elected one of two Chairman of the Committee of Colonies and Trade. Each year the RSA awards the Franklin Medal to a citizen of the US or the UK (in alternate years) who has furthered the relationship between the two nations. Last year's recipient was George Mitchell, architect of the Good Friday agreement, which provides a framework for peace in Northern Ireland.


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A great place to start home remodeling is to hire a professional siding and gutter contractor to create a positive first impression. At Custom Guttering & Siding Co, our skilled crew will enhance your curb appeal by improving the exterior of your home.
At Custom Guttering & Siding Co, we can help you protect your home against the harsh climate by installing weather resistant siding. In addition, our contractors will replace and install windows for energy saving purposes. We were established in 1963 and are a member of the Home Builders Association. We are licensed and insured.
Please call Custom Guttering & Siding Co today for more information.
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We accept all major credit cards.


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Manfred is one of Byron's most influential works and in many ways the greatest and most complex of his 'Byronic hero' poems. It is Byron's first complete dramatic text, and was written in Switzerland between 1816 and 1817. It was published by John Murray in June 1817. There is some dispute as to when Byron began the piece (the draft manuscript is undated) and the Incantation of the first act had already been published in December 1816 as part of a volume entitled The Prisoner of Chillon and Other Poems. Jerome McGann has shown that the fifth and sixth stanzas of the Incantation are written on paper which Byron used between 1813 and 1814 (see The Complete Poetical Works, III, p. 464). The factual background …
Please log in to consult the article in its entirety. If you are a member (student of staff) of a subscribing institution (see List), you should be able to access the LE on campus directly (without the need to log in), and off-campus either via the institutional log in we offer, or via your institution's remote access facilities, or by creating a personal user account with your institutional email address. If you are not a member of a subscribing institution, you will need to purchase a personal subscription. For more information on how to subscribe as an individual user, please see under Individual Subcriptions.
O'Connell, Mary. "Manfred". The Literary Encyclopedia. First published 12 October 2007
[http://www.litencyc.com/php/sworks.php?rec=true&UID=3750, accessed 29 September 2016.]


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G20 to Discuss Fossil Fuel Subsidies in June 2010
23 April 2010:The G20 Finance Ministers and Central Bank Governors met on 23 April 2010 in Washington DC, US, to discuss the global economic recovery and the transition to a strong, sustainable and balanced growth.
According to the resulting Communiqué, Ministers and Governors stressed the importance of providing those in need with essential energy services, and recommitted to prepare strategies and timetables for a meeting in June 2010 to rationalize and phase out, over the medium term, fossil fuel subsidies that encourage wasteful consumption. [Communiqué]


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Click the link for daily surf reports presented by Nichols Surf Shop, 411 Flagler Ave., New Smyrna Beach
The Little Theatre of New Smyrna Beach will present "On Golden Pond" a drama by Ernest Thompson, beginning April 13.
NEW SMYRNA BEACH -- An American classic of the stage and screen, "On Golden Pond" won a Tony award for Best Revival of a Play in 2005. Now you can see a local production here at the Little Theatre of New Smyrna Beach.
Ethel and Norman Thayer are once again spending the summer in their country home in Maine on a lake called Golden Pond. It is Norman's 80th birthday and they are visited by their estranged daughter Chelsea with her fiancé and his young son.
NEW SMYRNA BEACH -- The City of New Smyrna Beach Finance Department has earned national recognition for meeting the highest principles of governmental budgeting from the Government Finance Officers Association in Chicago.
Please click attachment to read NSB police patrols report:
March 1, 1914 - Aug. 22, 2010
Funeral service for Mabel E. Kirkland, 96, of Samsula, Florida, who passed away Sunday, August 22, 2010, will be 1:00 p.m. Thursday, August 26 at Settle-Wilder's New Smyrna Beach chapel, with the Reverend Luke McKinney, First Baptist Church, New Smyrna Beach, officiating. Burial will follow at Sea Pines Memorial Gardens, Edgewater. Calling hours will be 6:00-8:00 p.m. Wednesday, August 25 at Settle-Wilder.


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WILLOUGHBY - Gertrude S. Childs, 98, of Willoughby, died Monday.
She was preceded in death by her first husband, Phillip Childs; and second husband, Lorin A. Shepard Sr.
Survivors include her children, Lorin A. Shepard Jr. (Marcia) and Henry Shepard (Mary) of Salem; two grandchildren; and two great-grandchildren.
Funeral services will be held at 11 a.m. Friday at Brickman Bros. Funeral Home, 37433 Euclid Ave., Willoughby, where the family will receive friends from 4 to 8 p.m. today. Interment will be in Acacia Park Cemetery.
161 North Lincoln , Salem, OH 44460 |
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COLUMBIA, Mo. -- Alex Oriakhi had a career-high 22 points to go with 18 rebounds, three blocks and a central role in a second-half fracas of No. 21 Missouri's easy 98-79 victory over Mississippi on Saturday. Phil Pressey had four assists to break Anthony Peeler's career school record and had 22 points for Missouri (17-6, 6-4 Southeastern Conference), which bounced back nicely from its latest discouraging road loss, a 1-point setback at Texas A&M on Thursday. The Tigers are 14-0 at home and 0-5 on the road.
No. 21 Missouri 98, Mississippi 79
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