text:
Friends (1994)
1,413 mistakes
Starring: Courteney Cox, David Schwimmer, Jennifer Aniston, Lisa Kudrow, Matt LeBlanc, Matthew Perry
The One With The Girl Who Hits Joey - S5-E15
Continuity mistake: When Phoebe gives the housewarming gifts to Ross and also when Ross opens the door for the neighbor, his apartment number is "3B" and his neighbor's door is "3A," but in episode 14, "The One Where Everybody Finds Out," the door can be seen three times during the episode, and the number is "201" each time.
The One With The Girl Who Hits Joey - S5-E15
Continuity mistake: When Ross tells Chandler and Rachel that he's running out to buy name tags for his party, in the next shot the water bottle beside Rachel does not have its cap on, but it cuts to Rachel's closeup and the cap is on. Other differences can be seen as well, such as Rachel's hair and an extra utensil.
The One With Princess Consuela - S10-E14
Continuity mistake: After Ross announces his tenure, when Rachel starts crying and tells him that she got fired and didn't get the other job, her right hand is up by her face, but in the next shot her right hand is holding the glass of champagne and it's her left hand up by her face.
The One Where Everybody Finds Out - S5-E14
Continuity mistake: When Phoebe pours the white wine Chandler empties his glass to the last drop, but in following shots Chandler's glass has wine again, which then keeps vanishing and reappearing.
The One Where Everybody Finds Out - S5-E14
Visible crew/equipment: When Ross is using the binoculars to watch Ugly Naked Guy's apartment, the end of the set wall can be seen behind him.
The One Where Everybody Finds Out - S5-E14
Visible crew/equipment: When everyone's looking out Monica's window into Ugly Naked Guy's apartment, and see all the gift baskets he's been sent, the end of the set wall in Monica's apartment can be seen.
The One Where Everybody Finds Out - S5-E14
Visible crew/equipment: While Phoebe and Rachel are at Ugly Naked Guy's apartment, when Phoebe looks out the window and sees Monica and Chandler the end of the set wall in Monica's apartment can be seen.
The One With All The Resolutions - S5-E11
Visible crew/equipment: After Monica and Chandler leave the apartment to go "do laundry," Rachel and Joey tell each other that they can't share what they each know, and just as Rachel sits down beside Joey we can see the movement of camera equipment in the window's reflection.
The One With The Inappropriate Sister - S5-E10
Visible crew/equipment: When the passerby drops his lit cigarette in Phoebe's charity bucket, the end of the department store facade can be seen at the left side of the screen, and later when Phoebe hands off the bell to her replacement the end of the right side facade can be seen as well.
The One With Ross's Sandwich - S5-E9
Continuity mistake: During the literature class, when they're discussing Wuthering Heights all the writing on the blackboard changes, and the word "conflict" is first spelled correctly, but then it's spelled without the letter L.
Visible crew/equipment: While everyone's in the apartment Ross is on the balcony talking to Emily on the phone, and in the mirror we can see the reflections of Phoebe and someone else wearing a blue shirt (with a large white pattern) and blue pants (looks like jeans), but none of the others are actually dressed like that.
Visible crew/equipment: When Ross notices that Ugly Naked Guy is back, in the next exterior shot we can see the top of the set as everyone gathers at the window.
Visible crew/equipment: Just as Monica and Rachel walk into the storage room, at the start of the shot the camera casts a shadow on the head sculpture which moves as the camera moves.
The One With The Giant Poking Device - S3-E8
Other mistake: When Monica and Joey are holding containers of Ben and Jerry's, the brand name reads "En and Jer" and other parts of the containers have also been concealed, but we can still recognize the old Wavy Gravy in Monica's hand.
The One With The Flashback - S3-E6
Other mistake: When Phoebe's holding the box of Nabisco Nilla wafers, the Nabisco logo has stickers and paint hiding it and the Nilla is also partially covered so it reads "Villa" wafers.
The One With The Racecar Bed - S3-E7
Visible crew/equipment: While Rachel and Ross are at the apartment, Rachel tries to convince Ross to have brunch with her father so they can get along, and in the shots facing Rachel we can see the movement of a crew member in the window's reflection.
The One With The Flashback - S3-E6
Visible crew/equipment: While Joey's moving into the apartment he gets a little head rush so Monica blames the heat, and just as Monica says that it's the humidity, we can see a crew member with straight light brown hair moving around behind the open door, inside Monica's apartment - and we know it's not Phoebe or Rachel.
The One With Frank, Jr. - S3-E5
Visible crew/equipment: After Joey nearly drills a hole into Chandler he heads over to Monica's to get a beer, and just as Joey walks into the apartment the camera can be seen at the left side of the screen.
Continuity mistake: While Mama Joey is looking for Chick Jr. and Duck Jr., the things pinned to the bulletin board beside the door have vanished when Monica and Chandler walk in, but after Monica walks out to check on the twins everything's back up on the board like it was before.
The One With The Nap Partners - S7-E6
Continuity mistake: When Ross and Joey wake from their nap on the couch while everyone else is watching them, Marvin the Martian stuffed doll is lying on the floor between the couch and wall, but in the closeups Marvin the Martian is on the couch.


text:
Perricone MD Cold Plasma Eye, 15ml
Product information
Cold Plasma Eye from Perricone MD is a rich cream-based serum that addresses the 7 most visible signs of ageing along the contours of the eyes: fine lines, puffiness, dark circles, redness, loss of elasticity, loss of hydration and loss of brightness.
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Free from parabens, silicons, sulfates, phthalates, and synthetic dyes.
How to use: Use morning and evening; pat gently around the entire eye area and onto the eyelid. Follow with a targeted treatment if desired.
- Ageing Concern
- Wrinkle Reduction
- Brand
Perricone MD
- Eligible for International Delivery
- Size
- 15ml
- Skin Type
- All Types
- Unit Price
- £533.334 per 100ml
Click & collect
- Click & collect from John Lewis and Waitrose shops tomorrow from 2pm
- Collect + from a local shop from tomorrow, postcode exclusions apply
- £3.50
UK delivery
- Standard delivery within 5 working days
- Named or Saturday UK delivery
- £6.95
- Named day UK delivery pre-10.30am
- £9.95
International delivery not available
We want you to be happy with your purchase. If you're not, depending on the type of product, you can make free returns in the UK via John Lewis shops, Royal Mail, Collect+, or MyHermes. If you need to arrange collection of large or heavy items, call us on 03456 049 049. For international returns queries, call us on +44 1698 545 454. Find out more about returns.
You'll find returns information on your delivery note. Unless faulty, we'd like you to make your return within 90 days of purchase. Exceptions apply to certain products - find out more about our refund policy.
Q & As
UK deliveryFREE
Standard delivery within 5 working days
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Click & collect from John Lewis and Waitrose shops tomorrow from 2pm
Collect+ from a local shop from tomorrow

subset: commoncrawl


text:
Adam GoldsteinShared publicly -
I fully believe that if games can be used to solve research problems, then games can be developed to foster high quality educational results.
I second this. I forsee further development which causes the user to be completely unaware of research too. Imagine applying it to all facets of gaming!
Add a comment...


text:
- Home
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Older people and the law
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House Committees
- Date
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House of Reps
- Parl No.
- Committee Name
- Page
- Place
- Questioner
Mr MURPHY
Mr KELVIN THOMSON
ACTING CHAIRMAN (Mr Murphy)
- Reference
Older people and the law
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Mr Tanzer
Ms Rickard
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Note: Where available, the PDF/Word icon below is provided to view the complete and fully formatted document
Table Of ContentsDownload PDF
Previous Fragment Next Fragment
(House of Representatives-Friday, 17 August 2007)
Ms Fisher
Mr KELVIN THOMSON
Mr MURPHY
REEVE, Ms Patricia
FISHER, Ms Jane
Ms Reeve
BIRD, Dr Geoffrey
ACTING CHAIRMAN (Mr Murphy)
Mr Tanzer
Ms Rickard
Mr KELVIN THOMSON
RICKARD, Ms Delia Ann
Mr MURPHY
TANZER, Mr Gregory Mark
Ms Field
LEWIS, Mr Rodney
Mr KELVIN THOMSON
Mr Lewis
Mr MURPHY
FIELD, Ms Susan Margaret
Ms Simmons
Mr KELVIN THOMSON
Mr MURPHY
SIMMONS, Ms Andrea Lynne
Mr Chell
BILBIE, Mr Dom
CHELL, Mr Roy
Mr Cowan
HARVEY, Ms Carla
Mr KELVIN THOMSON
Mr MURPHY
COWAN, Mr Paul
SYME, Mr David
Mr Syme
Mr Osborne
Mr Arnaudo
Dr Smrdel
OSBORNE, Mr Matthew John
Mr KELVIN THOMSON
Mr MURPHY
ARNAUDO, Mr Peter John
SMRDEL, Dr Albin Frank
Mr Oakey
Mr Rees
EAYRS, Ms Anne
OAKEY, Mr Alan
REES, Mr Glenn
Ms Brown
Mr MURPHY
BROWN, Ms Margaret
Ms Eayrs
Mr Gilbert
Mr MURPHY
TATE, Ms Diane
GILBERT, Mr Ian
Ms Tate
- Ms Fisher
Content WindowSTANDING COMMITTEE ON LEGAL AND CONSTITUTIONAL AFFAIRS
Older people and the law
CHAIRMAN —Welcome. Although the committee does not require you to give evidence under oath, I should advise you that the hearings are legal proceedings of the parliament and warrant the same respect as proceedings of the House itself. The giving of false or misleading evidence is a serious matter and may be regarded as a contempt of parliament. We have received a submission from ASIC and it has been authorised for publication. We have only half an hour for you, and we do have a lot of questions. We will ask you some questions and then we wonder whether you would be kind enough to take the balance of the questions on notice and come back to the secretariat after you have been able to deliberate on answers.
Mr Tanzer —Certainly.
CHAIRMAN —Would one of you like to give a brief opening statement and then we will proceed.
Mr Tanzer —Thank you, Mr Chairman. I will try to make this brief. Firstly, thank you for the opportunity to appear before the inquiry. We welcome the chance to contribute our views and experiences on the important issue of older people and the law. ASIC, as I am sure the members of this committee are aware, is Australia's corporate and financial services consumer protection regulator, and we strive to meet the needs of all consumers and investors, including older Australians. As we noted in our submission, older Australians are a diverse group with differing needs and backgrounds. From where ASIC sits, perhaps the most important distinguishing feature of older Australians, however, is that, where they do suffer financial misfortune—whether through fraud or other causes—it is often much more difficult for them to recover their previous position, and thus the consequences can be far more devastating.
Our submission focused on those parts of the committee's terms of reference that relate to fraud and financial abuse as well as some more general issues associated with the interaction between older Australians and the financial services sector. In particular, we discussed the need for adequate financial planning for retirement, avoiding high-risk or illegal investment strategies which may result in significant, irrevocable financial losses, equity release products and scams, such as cold-calling and unsolicited share offers—to which a significant number of older Australians fall victim. ASIC has an ongoing focus on each of these issues and seeks to address them through a range of means, including continually monitoring the marketplace, working with industry to improve practices, taking enforcement action, undertaking research so that we better understand the decision making process of consumers and investors and educating consumers and investors through our ongoing financial literacy work.
As ASIC's Chairman, Tony D'Aloisio, recently announced before a Senate estimates committee hearing, one of our six top priorities in the coming year will be to develop initiatives to assist retail investors to better manage and protect their investment's wealth, with a particular focus on the needs of retirees and baby boomers who are soon to become retirees—a topic dear to my heart. Those initiatives will include work to better educate consumers about the importance of diversification and what this involves and the issue of the risk-return premium.
To get a flavour of our current education work directed at retirees I would recommend that members visit ASIC's consumer website FIDO at www.fido.gov.au. There you will find a specific section focusing on financial services issues of particular relevance to older Australians under the tab 'Retirees'. Topics covered include planning for retirement, retirement incomes products, reverse mortgages and equity release products, and warnings about such issues such as pressure sales, cold-calling, unsolicited share offers and early superannuation release frauds. In mentioning FIDO I should also note that we do of course recognise that not all older Australians have access to the internet, so we also disseminate messages through a raft of other channels, including our call centre, radio programs, stalls at retirement and lifestyle expos and articles in publications particularly targeted at older Australians—for example, Centrelink's seniors publication. We are also currently talking to Australian Seniors Magazine about having a regular column in their publication.
In recent years we have put considerable resources into monitoring early equity release products, looking at the advertising of these products, working with industry to ensure that their offerings do not have some of the negative features that we have seen overseas, and educating consumers about the important issues to consider before deciding whether an equity release product is right for them.
As much of the work that we are doing to help protect the interests of older Australians is already detailed in our submission, I will not recanvass those details in this opening address. I am happy to address your questions.
CHAIRMAN —It might seem an odd thing to say but, during the course of this inquiry, I have developed some sympathy for ASIC insofar as it almost seems that you get criticised whenever people lose money—and maybe someone is yet to write a leading article to say that you should have warned of the share market reduction over the last couple of weeks! We have had evidence that you could have done more to protect older investors from recent collapses of, say, the Australian Capital Reserve, Fincorp and Westpoint. It has also been claimed—in fact, over and over again—that ASIC's prosecution rate of corporate defence is too low. I know those statements will not come as any surprise to you. What is your response?
Mr Tanzer —We have not sought in the submission to deal with the second part of that, although that is a claim that we hear and we do respond to quite regularly through estimates committees and through our parliamentary oversight committee—the Parliamentary Joint Committee on Corporations and Financial Services—and our annual report seeks to address issues around our enforcement record, in particular by pointing to the very large number of enforcement matters that we do take.
Also, having been an ASIC officer for some years—and without wishing to take anything for granted by any means because one always needs to look at these sorts of criticisms through fresh eyes—you do tend to hear the criticism from both sides. You often hear that we are taking too much action at the big end of town and you also hear that we are taking too much action at the small end of town—that we are focusing only on the smaller fish or that we are interested only in the bigger scalps. To some degree when you hear both ends of the criticism that gives you some comfort as long as you feel—and reasonably we do—that we are taking substantial amounts of enforcement action.
In terms of ACR, Fincorp and the other more recent collapses, your point is well made. It is criticism that we have heard and we are taking very seriously. The chairman outlined in a statement to the Senate estimates committee on 30 May a range of measures that we were taking specifically in relation to the unlisted, unrated debenture area, which is a relatively small sector of the Australian investment market and certainly not related to a number of the issues that we have seen on the share market in recent days. But it is an issue that we take very seriously. We are not a regulator that undertakes prudential functions so we do not exist to prevent failure occurring. But we do exist to make sure that there is appropriate disclosure to investors of the risks of the investment products that they are investing in. We are concerned about that particular sector and whether or not people properly understand the risks of investment in those particular types of products. The three-point plan involves looking at existing debenture issuers and whether there should be any additional disclosure and other related mechanisms that should be applied to them, looking at new rules for further or new debenture issuers, and looking at investor education in particular so that people can properly—if you like—process and understand the information they are given.
CHAIRMAN —There are some people who seem to consider that ASIC should take over the carriage of a legal action they might have against someone who has done the wrong thing. You would obviously say that that is not the case. Constituents have put to me that you should have done this or that. ASIC on occasion, particularly in relation to Ponzi schemes, has come back and said that you only have resources to do certain things—and I imagine you could be four times your size and still be prosecuting away. Would you say that you are adequately resourced?
Mr Tanzer —Yes, I would. We have seen substantial increases in our resourcing over the last three to five years. I think you are right that any enforcement agency always needs to make decisions about where it is going to apply its resources—even within our own sphere, whether it is better to put more emphasis on education or on earlier surveillance of schemes compared to mopping up after collapses of schemes. I think there are always those sorts of tensions involved. It is relevant though to understand that in this area of the Corporations Act and investments, while I understand that individual legal action is very expensive and hardly available to individual investors in their own right, the law does make provision for civil actions. Class actions are available for individuals and, more importantly, the law makes provision for internal dispute resolution and then external dispute resolution for claims that would fall within the general ambit or definition of consumer claims, if you like—the smaller level claims. I grant that there are criticisms of that sector. ASIC's enforcement role is part of that whole framework but it is not the only part of the framework.
Mr MURPHY —I would like to continue on with that because I have had firsthand experience with people communicating with my office on the collapse of One.Tel, Australian Capital Reserve, Fincorp and Westpoint. In particular, Mr Graham McCauley and his group, who are well known to ASIC, have regularly visited my office and the offices of other MPs to highlight not only their frustration with ASIC but their perception that the Treasurer and the government have not done enough.
CHAIRMAN —But it is an independent statutory authority.
Mr MURPHY —I am aware of that. I suppose the message that has come to me personally is that someone like Norm Carey and his nefarious mezzanine activities should have been picked up earlier or brought to the attention of people like Mr McCauley and all those people. I have about six constituents in my electorate of Lowe who have lost amounts varying from about $50,000 to $300,000. One lady has had to sell her father's house to survive, which is pretty sad.
That is a long introduction. We will have a lot of questions for you and, as Mr Slipper said, we will probably give you a list of questions to take away. We are not here to crucify you; we are here to ask you what perhaps the parliament could do better. Do we need to strengthen some of the laws for people like you? As Mr Slipper said, we could make you four times the size you are. You would be a bigger bureaucracy, but that might not get the desired results. No-one likes to read in the newspapers about people like Norm Carey getting away with what they have got away with. It is good that you are all going after him, because I see—like my colleagues—the shattered remains of constituents coming to my door and pleading that they have lost everything.
An old auditor said to me years ago when I was an audit manager that for every one per cent interest increase you get from an investment so increases the risk. Most reasonable people understand that, but I think the way that these mezzanine company arrangements were set up by Carey, the people did not understand it. When you get people who have standing in the community, like Alan Jones, reinforcing the attractiveness of these investments for elderly people to get a bit more when the returns of bank interest is so low these days, people accept that.
I would like to think that out of this something good could come and we could strengthen your laws and you could get stuck into these sharks, because we all hate this. Sorry for that to be so long. Could you give me some feedback to take back to people like Mr McCauley and my constituents on whether the present government or an alternative government in the future could do something to stamp this out? I know caveat emptor applies, but sometimes you have got to do things to protect people against themselves. Enough said.
Mr Tanzer —Thank you for the comment. Many of the comments you have made resonate very much with us. Certainly the concerns of Mr McCauley and the group that he represents are well known to us. We meet with him on reasonably regular occasions at the most senior level—at the chairman's level and down. I think there are a couple of general comments that I might be able to make. Of the people who beat their path to your door, the most tragic stories I imagine that you have heard, and certainly the most tragic stories that we have heard, are of those people who have invested sums but not only invested sums but invested all of their worth in a scheme that then fails.
We make the point in our submission that older Australians often have been successful business people, successful public servants—successful in all walks of life building up their wealth. It is not because people are necessarily greedy or anything of that nature. The key concern for older Australians is that if you are in a position where you have suffered a loss you do not have time—you do not have the extra 20 years or whatever of earning capacity—to be able to make up for that. So for older Australians in particular, one of the principles of wise investment is about diversification of your own investment portfolio. The most tragic stories are where people have not diversified and have put all of their eggs in the one basket, as it were. So one of the things we are looking very closely at is how we can properly get the message out to people that diversification is a very good idea in any sort of circumstance.
Mr MURPHY —I could not agree more that you should not put all your eggs in one basket. I suppose more particularly my question is: do you have any creative ideas about how there might be some changes to the laws as they presently exist—changes which take place here where you are today—to better protect the elderly and of course give your organisation greater teeth and powers?
I know we do not have a lot of time. Perhaps you could take that on notice. It would be very valuable for our report. This has been a major issue with elderly people—from my experience right at the coalface in an electorate office—and I would like to think something good could come out of it, because people like Mr McCauley and my constituents have lost everything. I feel very sad for them because I did not detect that any of them were greedy people seeking a really absurd return on their investment, particularly when they had people like Alan Jones saying this was a good thing.
Mr Tanzer —I am happy to take that on notice. I can certainly assure you that we have been giving a lot of thought to that and have been spending a lot of time on work on those issues. This has been not just in light of Westpoint but in light of some of the more recent collapses that you have referred to, Fincorp and so on, with a view to looking at issues around diversification and better understanding the level of risk that is being offered compared to the reward that is being put forward here. Certainly, in these more recent collapses, trying to understand how it is that this investment opportunity is going to make you money so that you can try to understand what the likely risks are and whether it is likely that in the longer term it will deliver those sorts of returns.
Mr KELVIN THOMSON —Like John, I have had constituents who have lost significant amounts of money or life savings on Fincorp and Westpoint. There is a related problem that I have seen where older people will invest in property developments and hand over their money to either solicitors or property developers and the developments seem to fail or there is borderline theft and fraud and they lose their money. You said they have civil remedies available to them. You can be in the situation where you are small and the outfit you are dealing with is large, in terms of legal resources they will outlast you, and so you cannot effectively exercise your legal remedy for lack of an ability to compete. In the worst situation, people have been bankrupted as a result of the losses and therefore may have what looks like an excellent legal case but no financial capacity or even a legal capacity to pursue it. I wonder whether in these sorts of cases ASIC steps in and pursues these things. Is there any vehicle by which people can get out of what looks like a nasty little catch 22: 'I could recover money if I had the legal capacity to sue if I had not been bankrupted.'
Mr Tanzer —Certainly the considerations that you mention are things that we take into account in determining what regulatory response we take. We have quite often taken action. You mentioned the Westpoint case. We took action initially to stop the fundraising, because we were concerned that it did not meet the obligations of the law, and to then freeze what available assets there were to preserve those in case of further civil action. There have been a number of class actions that have since been commenced.
ASIC also has a power, under section 50 of the ASIC Act, to take representative actions on behalf of other people. So it is possible for ASIC to undertake representative actions, and it does happen. As to the circumstances in which we do that, the legislation actually refers to being satisfied that it is in the public interest to do so. As you have mentioned, when we consider those types of actions, we have to take in a range of factors, including the capacity of people to fund that sort of action themselves. As to what the action actually is or what the allegation might be, you have mentioned the issues of fraud. Obviously, that is something that we take very seriously from a criminal perspective as well. There are a series of criminal actions that we take against promoters of illegal investment schemes or collapsed investment schemes. We can also provide detail on those. I think you are quite right about the capacity of the individual to take action, though obviously for many people that is often out of reach.
The other point is that people who have dealt with a licensed financial adviser or a representative of a licensed financial adviser may have had advice to go into one of these particular schemes, and that appears to have been the case for some with Westpoint, though not everyone by any means. There is the availability of external dispute resolution and the relevant external dispute resolution scheme, FICS, the Financial Industry Complaints Service, accepts complaints of claims up to $100,000. They are currently working on whether that monetary limit should be raised. The advantage of that particular avenue is that that service is free to consumers, and FICS has the ability to determine claims and to make compensatory orders against their members, and they do. They currently have, I think, 350 or so claims that have been made by Westpoint investors.
Mr KELVIN THOMSON —How many of those representative actions would ASIC have taken?
Mr Tanzer —There would not be a large amount. I cannot give you the exact number now, but we take them from time to time.
Mr KELVIN THOMSON —In terms of the philosophy in this whole area, I can see that it is difficult. On the one hand, the better ASIC does its job the more there will be a public expectation that there is an implied guarantee, and, therefore, if any company or investment scheme goes belly up there ought to be some compensation available. I think that the implied government guarantee is wrong. It is not a defensible piece of public policy. On the other hand, it is very much in the interests of investors and older people, who are the subject of this inquiry, that outfits like ASIC are going as hard as they can to send appropriate warning signals. Schemes that are dodgy and masquerading as if they are not should be outed and exposed. There is clearly a need to have that going on.
Mr Tanzer —I agree with your point. I think the other thing that we have tried hard to do is to head off market developments early on where we see them occurring. In the submission we talk about equity release products and reverse mortgage products in particular. The work that we have done there has really been around trying to influence the product design, although our jurisdiction is relatively limited with respect to credit products. We are responsible for misleading and deceptive conduct or unconscionable conduct. We have been seeking to deal with product design so that the products do not contain consumer unfriendly terms. The particular example in our submission is about the no-negative equity guarantee. There are still some issues around that but, as a way of heading off problems before they occur, quite often we look at a problem which might be an emerging issue. Reverse mortgages are really not very widely sold, but they are growing very quickly in number.
Mr MURPHY —What initiatives do you take to educate the elderly, in particular, in relation to the risks of those products?
Mr Tanzer —The report we issued in 2005, which is referred to in our submission, is a good example of that. In producing the report, we also produced a number of fact sheets, some specialised parts of our web page and some scripts for our call centre staff and so on which are specifically around what you should look for in relation to a reverse mortgage. On top of that, we have worked fairly hard with the relevant industry association, which is called SEQUAL.
You need to bear in mind that most of the lenders in this area do not tend to be the mainstream banks; they tend to be other sorts of lenders—mortgage originators and so on. We have worked with them to, if you like, institute a code for that industry association and its members that includes no negative equity guarantees. My point is that, as well as trying to be reactive, trying to deal with problems properly when they occur, and close down dodgy schemes or illegal schemes, you cannot always do that because a scheme may not in any way be contravening the law; it might just be a scheme that has struggled along and the risks have overwhelmed it eventually. We also try to identify issues early on and the reverse mortgage area is an example of that.
ACTING CHAIRMAN (Mr Murphy) —Ms Rickard, do you have anything you want to say to the committee or has Mr Tanzer covered it?
Ms Rickard —I think Mr Tanzer has covered it all most adequately.
ACTING CHAIR —I would like to thank you both for attending today. I will get the secretariat to send you some further specific questions, because we had quite a few and I think we could keep you here until lunchtime quite easily today just asking questions in light of the recent events we have been discussing. So, if you do not mind, we will give you some questions in addition to your comprehensive submission and we can take those into account when we finalise our report. Is that okay?
Mr Tanzer —We would be happy to do that.
ACTING CHAIR —Thank you very much for that.
[10.31 am]


text:
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text:
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The JW Q&A
A Rabbi's World
Culture View
The JW Q&A
A Rabbi's World
The JW Q&A
Culture View
A Rabbi's World
The JW Q&A
First Person
Making The Connection
by Steve Lipman
Staff Writer
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First came the Shema. Douglas Rubin would recite it in the morning. Then, the Shemona Esrei, the heart of the Jewish prayer service that Rubin said before going to work. Finally, he started to put on tallit and tefillin.Slowly, over a three-year period, Rubin, a 47-year-old investment banker and self-described "modern, liberal Jew" from Westchester, made Shacharit (the entire morning prayer service) part of his daily regimen. After a 30-year hiatus. Rubin, like many Jews of his generation, left Judaism after his bar mitzvah. "I came from a typical Long Island family of the '50s and '60s," he says, sitting in his Wall Street office. No kashrut or Shabbat observance at home. Public school education. Twice-a-week Talmud Torah classes. "I remember having a passing acquaintance with Hebrew. I remember learning not much of the prayer service." At 13 came his pro forma bar mitzvah. For the next three decades, Rubin hardly set foot in a synagogue, besides mandatory chapel at his prep school "to satisfy an academic obligation," and the occasional High Holy Days service to please his parents. "Four, five hours a year if I was lucky." "I had no connection with Judaism," Rubin says. Douglas Rubin is a pseudonym. He agreed to discuss the spiritual path that took him from nonbeliever to "authentic Jewish believer" on the condition that his real name not be used. "It's not because I am embarrassed: I am very excited about where I am," he says. "It seems to be egotistical to put my name" in the newspaper. Rubin represents what the non-Orthodox denominations say they are trying to produce: a committed Jew who, while not strictly bound by halacha, makes lifestyle choices based on a serious investigation of Jewish sources and tradition. Thin, with a full head of dark hair, he looks young for his age. Bareheaded, Rubin pulls from his briefcase the ArtScroll siddur and the Torah with Rashi's commentary that accompany him to work each day. Home is the Westchester suburb of Pleasantville, where he and his wife (they now have three children) moved 14 years ago. Rubin joined a synagogue in a nearby town ("You have to join a synagogue") but rarely went. A friend in Pleasantville, which had no Jewish house of worship, called three years ago. A group of Jews were forming a synagogue, buying a former church building. The Pleasantville Community Synagogue, which now has 120 member families, is unaffiliated, with mixed seating, a Conservative prayerbook and a kosher kitchen. Rubin made a donation to the synagogue but didn't go. Until one Purim. It was his first real foot-stomping, Megillah-reading Purim. "I had never seen anything like it. It was moving. There was somehow an authentic text behind it. I felt very comfortable," he says. Rubin started attending Shabbat services, led at first by lay members of the congregation with "a lot of Carlebach melodies." Rabbi Marc Sameth became the synagogue's spiritual leader, and during an introductory Judaism class asked his students, most with backgrounds like Rubin's, if they could fully understand any topic they had stopped learning about at 13. "It was a question I couldn't disagree with," Rubin says. He started reading Heschel and Buber and Steinsaltz. He took a course on biblical Hebrew at the New York Kollel, sponsored by the Hebrew Union College-Jewish Institute of Religion. "I really wanted to understand what I was praying." At the kollel, Rubin "saw how a line of prayer can have a lot more depth than it has on the surface. It was as if this whole door" (a door of Jewish tefila) "had opened." "There's more to Jewish life," he thought, "than services on the Shabbat." He started to pray, "sporadically," on weekday mornings. "At some point I realized I had to do it every day, not necessarily because halachically I'm required to, but because it gives me a direction every day." Rubin took his bar mitzvah tallit out of its velvet bag, received his grandfather's set of tefillin and started to use them. "I had been davening every morning without any equipment," he says. For a year Rubin has prayed the entire morning service, facing east to Jerusalem, with "a little kipa I keep in the tallis bag," in the light of a small lamp, seated in a chair in his bedroom. He gets up at 5 a.m., 45 minutes early. "It's hard getting up in the morning," he admits. "That's 45 minutes [less] of sleep." "It's an absolutely essential part of my life now," he adds. "I feel like I'm connected to God every day." Sometimes he will dwell on one prayer or a single phrase. "There are things in the prayer that set my direction for the day," Rubin says. Sometimes he sees himself reflected in the words. "I will read the prayer as a metaphor for what is happening to me." Sometimes he will repeat a phrase and find that it keeps returning to him during the day. "It's a reminder of my relation to God," he says. Rubin studies the weekly Torah portion on the MetroNorth ride to Manhattan. "I don't work on the train," he says. "By the time I walk off the train I'm feeling really good. When I walk off the train I really see God in everyone around me." Over the last few years Rubin has dipped his toes in the Reform, Reconstructionist, Conservative, Orthodox and chasidic waters: a service here, a class there. "I'm not part of any movement," he says. "I don't have any prejudices against any of the movements. I feel comfortable in most of the settings." At home Rubin now eats only kosher food but uses non-kosher utensils. His wife, who grew up in a more-observant household but became disillusioned by women's traditional role in the synagogue, does not want to kasher the kitchen. "Shalom bayis" (peace in the home) "is much more important to me than anything else," he says. Rubin walks to shul for Shabbat services, davens mincha at home Saturday afternoon. Eventually, he says, he might add mincha and maariv to his daily schedule. "I would like to be able to daven three times a day," he says.
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10/22/2009 - 11:25
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Congrats! Well done. Did you know you could have been in NRGP and more than doubled your investment with a higher distrubution. It would have cost a little more to get into NRGP but you have to pay a premium for quality and higher future growth potential. I'm not saying you did anything wrong just wanted to be sure you were aware that during the same period you could have put yourself in a better position. Good luck with your future investments. Hey, take a look at AT&T. It has a good dividend currently 6.5% at its current price levels and it doesn't have the K1 issues that come with owning MLP's like FGP and NRGP. Who's bashing FGP?? What people?? Are these Customers, Employees, Ex-employees, Competitors, Wall Street Analyst? Please provide some support for your statement! Please help me and others learn how bashing FGP would improve your share price? I'm still a little green. I've only been investing for 25 years. I've always believed share price was based on the product, margins, overall strength of the company, including it's employees, financials, receivables, and potential for future growth. Please enlighten everyone on your post. Or are you just tring to pump and dump?
<<I'm still a little green. I've only been investing for 25 years.>>LOL. I am even greener...only investing for 29 years and having the stoopididity to get out of the market in early Sept 2008. I guess I am stoopid, because I like FGP at this level.
I drastically reduced exposure in from July 2008 to about mid Dec., while most kept investing with blind 401K's...etc...I had my $$ on side line except for a select few stocks. So while most lost half their retirement...etc...I was in damage control mode. And now it's paying off. Maybe lost 10% while most lost 50% or more. So if you good at math that's 40% more money I'm playing with at the lower stock price levels. As for stupid that's is making a statement without having good basis and fact to back it up. I have been watching the FGP price and I passed at 12 level so I sure won't buy at 19 or 20. Dead money in my opinion. However, I've been wrong before, and I'll be wrong again. I'd love to see the stock price for FGP go to 35 or 40 a share. But the numbers to which I have access don't warrant such levels. What numbers are you looking at? I'm not sure why it's past $12.50 at this point. What are your business reasons for wanting to buy FGP at these levels?What makes you want to take the risk on FGP and their current management team?Being in the market 29 years you know past performance is no indication of future performance. Please don't taqke this wrong I'm not disrespecting your opinion. I just like to base my decisions on good solid fact. Why not go with T, GE, or even WMI. I think all are better in short and long term. T is still creating new solid products. GE got caught in the financial mess as did most companies in the past economic environment. But GE has a solid future because of their diversification across many industries. WMI, one man's trash is another man's treasure. I'm not pumping these stocks, just providing so options for what I could purchase. I like to know that the car I'm looking at buying actually has something of value under the hood. I just don't see that with this company numbers or management.FGP has had almost 1 million residential customers for the past 10 years. They have acquired smaller companies to assist in gaining customers, and invested in technology to improve operations, but they have not experienced significant growth. I listened to the last con. call and Mr. Ferrell made a comment about how the shorts will soon pay. That was just before the run in the stock price. I recall my thought at the time was, one I can't believe he just said that and two run your business and the stock price will reflect your results. I didn't hear one thing from the call that made me want to purchase the shares. Maybe the business is doing better and the stock price does in fact reflect the operations?I requested a annual report from FGP some months back using their new internet site so I could better understand their direction and they failed to provide the information, or responded to the request. That shows a complete lack of responsiveness. If they won't respond to a potential investor, how do they respond to their customers. If you invest in FGP or any other stock the numbers, facts and management strength should be you guide. All you said was that you like FGP at this level. WHY?
thank you will look at the stock you mentioned 1 stock that i have made money is npd 7percent div chinas largest pharmacy golmand sachs owns 20 million shares looking for a 2 bagger here


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Lauren Lee Smith
- Birthday
- 1980-06-19
- Nickname
- LeeLee
- Birthname
- Lauren Lee Smith
- Sign
- Gemini
- Hometown
- Vancouver British Columbia Canada
- Country
- Canada
- Ethnicity
- White
- Height
- 5'8"
- Weight
- 125
- Job
- Actress
- Hobbies
- Swimming Rollerblading Horseback Riding Basketball Snowboarding Ice Skating
- Assets
- Likes Getting Naked
- Vices
- Always has traces of cum in her hair Touches her nose when she wants mouth fucked Love of cock and s
Lauren Lee Smith Introduction
Lauren Lee Smith enjoys being naked. For those who might be skeptical, just take a gander at her steamy scenes in the movie Lie With Me. Indeed. Unfortunately, you will have to endure an equally disrobed Eric Balfour. Gross.
Lauren Lee Smith Life Story
Lauren Lee Smith was born on June 19, 1980 in Vancouver, British Columbia, Canada, but we won't hold that against her. She is the stepdaughter of a documentary filmmaker, so we're assuming there was a divorce during her childhood. She traveled around the world with her family while she was growing up. When she was 14, her family moved to Los Angeles, where she began a modeling career. At the age of 19, she was cast in a featured role in the remake of Get Carter. Featured is another way of saying 'no lines' and Get Carter is another way of saying 'terrible'.
She has also appeared in such works as Christy: Return to Cutter Gap, Christy: A Change of Seasons and Christy: A New Beginning. While we think Lauren Lee Smith is a fantastic Christy, Kellie Martin will always be our Christy. She captured our hearts in the role in 1994. We miss you Kellie! Lauren also starred in the show "Mutant X", where she delighted geeks around the globe. The Showtime drama series "The L Word", also cast Lauren and while we haven't seen her episodes, we can only hope she participated in the show's lesbian themes. In 2005, she filmed the movie Lie with Me, where she played the character of Leila, the sexually aggressive naked chick.
Lauren Lee Smith on the Web
Lauren Lee Smith, Gil Bellows Join 'First Round Down' - The ... CSI's Lauren Lee Smith and Gil Bellows are to star in First Round Down, the Canadian action comedy from writers-directors Brett Butler and Jason Butler.
FX Pilot Castings: Lauren Lee Smith In 'The Strain'; Brett ... EXCLUSIVE: CSI alumna Lauren Lee Smith has landed a regular role in FX's high-profile drama pilot The Strain, from Guillermo del Toro and Carlton Cuse, which is being eyed for a 13-episode pickup. The high-concept ...


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These Men's Tony Lama Black Vintage Belly Caiman Boots are the real deal! These pull-on boots provide much flare with a ripple-like vamp. The 11" black leather shaft features a red, yellow, and blue wing-like pattern design, which make the boots pop. The Lama Comfort Technology insoles will keep your feet feeling comfortable all day and night long. The white double row welt stitch is another feature of the boot which makes its quality stand out.
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They met at Wendy's around dinnertime, about 35 teenagers no doubt lured by cheap fries and Frostys to the fast-food eatery at 15th and Chestnut, in Center City.
They went from friendly hangout to frenzied freakout in a flash.
But, please, don't call them a flash mob.
One day after rampaging teens hassled pedestrians, stormed the Shops at Liberty Place and overturned tables and display signs in the mall, police yesterday played down the drama as "a disturbance," saying that officers quickly quelled the unrest by arresting five teens and dispersing others.


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Have you visited Dr. John Brown? Rate you experience below.
Family Practice Physicians in Pensacola, FL
Dr. John Brown specializes in family practice in Pensacola, Florida.
Dr. John Brown has been compared 119 times. Details of Dr. Brown's 36 years experience as an DO, his hospital affiliation and education at Rosalind Franklin University are available on your free doctor report.
Dr. John Brown has an average rating of 5 stars (out of 5) with a rating of Excellent based on 2 reviews.
Have you visited Dr. John Brown? Rate you experience below.
Dr. John Brown has been identified as specializing in Family Practice.
Insurance plans and networks accepted by a doctor are not necessarily universal across all locations at which the doctor practices. This can be affected by many factors such as different group practices, hospital affiliations and working arrangements at those locations. Checking that the doctor you are visiting and the facility they are at are in-network providers for your insurance plan can save you money and headaches later from surprise medical bills.
Dr. John Brown accepts the following plans at 1901 N 9th Ave, Pensacola, FL
A hospital affiliation covers any doctor who has an affiliation, association or admitting privilege with a hospital. A doctor's particular affiliation to a specific hospital can translate to the overall quality of that provider.
Dr. Brown is affiliated with 1 hospital:
Dr. Brown attended medical school at Rosalind Franklin University Chicago Medical School and graduated in 1980 having 36 years experience.
While there is no proven correlation between the quality of one's educational institution and the quality of one's professional competence, it is often an indicator. Medical schools have various levels of selectivity (some are harder to get into than others), and both the quality of their clinical training and level of research are measured. Additional medical training in both residency and fellowships and the facilities they are conducted at also provide a history of the doctors' level of training and experience.
Patients may also know Dr. John Brown DO as:
1921 E Nine Mile Rd, Pensacola, FL 32514
6665 Pensacola Blvd, Pensacola, FL 32505
1549 Airport Blvd, Pensacola, FL 32504
13139 Sorrento Rd, Pensacola, FL 32507
6665 Pensacola Blvd, Pensacola, FL 32505
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my 28-weeker twins both have pda issues and are being treated with indocin. my son's condition appears to be resolved. my daughter is on her 2nd round of indocin. praying we won't have to put her through surgery. any success stories with surgery or 2nd round of indocin? i was told pda is a common issue with preemies.
thanks, worried.


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LATEST NEWS/* BEGIN: Block 2 of 2 Greg Add 2013 (Jan 29) */ ?> /* END: Block 2 of 2 Greg Add 2013 (Jan 29) */ ?>
Should Google Fight For Internet Freedom Or Privacy Of The Individual?by Ron Callari
Twittahoo - Progeny Of Twitter & Yahoo Follows Microhoo Dealby Ron Callari
SICIS NEXT ART: A Magical, Symbiotic Blend Of Mosaics And Luxury Fabricsby Toby
Kingston's Super-USB Flash Drive Faster Than A Speeding Bulletby Ron Callari
Heinz Designs New Fast Food Ketchup Lovers Package: The Dip & Squeeze™by Toby
Revolutionary Motorcycle Helmet Inspired By Human Skin To Reduce Traumatic Brain Injuriesby T Goodman
This motorcycle helmet is designed to save your scalp. Not just your scalp, but your brain, because it's your brain that can suffer permanent impairment if you get tossed from a motorcycle. Now, if you survive such a toss, it's very possible you will suffer Traumatic Brain Injury (TBI) and/or spinal cord injury. But this helmet's been 15 years in the making so that it can offer nearly 70 percent more protection against TBI than other motorcycle helmets.
8 SciFi Lightbotz™ Munnys By Lighting Designer Marcus Tremontoby Toby
If you're not familiar with Munnys, they're customizable, collectible dolls created by Kidrobot, the cutting edge designer toy and apparel makers that are hot as hot cakes at IHOP. All of Kidrobot's designs are produced in limited edition; the more famous the Kidrobot design collaborators, the more limited and the more expensive the item. I'm sure the Munny Lightbotz, by lighting designer and artist Marcus Tremonto, are no exception.
Google Search Powered By A Bloom Box?by Ron Callari
Calling All Cars- Toyota's Scion Will Pay You $30 Per Hour To Park?by Ron Callari
Google Buzz Class-Action Lawsuit Could Cause Cloudburst?by Ron Callari
Saint Clair Lamp: Solar Lighting Two Waysby Toby
Top Ten Video Spoofs Including 'The Situation' vs 'The iPad'by Ron Callari
Observing The Brain As Singing Helps Stroke Victims Regain Their Speechby T Goodman
An End To Food Allergies? Well, Let's Start With Peanut Allergiesby T Goodman
Peanut allergies are the most common cause of food related death. Four percent of children are allergic to peanuts and only 20 percent of those children ever outgrow the allergy. Symptoms of peanut allergy can include rashes, itchy skin, sneezing, teary eyes, vomiting, stomach cramps, diarrhea, and swelling. But severe symptoms may include anaphylactic shock, which can be deadly if not treated immediately. You don't mess with food allergies.
College Inventors & Entrepreneurs Face-Off In March Madness For The Mindby Myra Per-Lee
You probably know about the NCAA, the National Collegiate Athletic Association, but did you know that there is a National Collegiate Inventors and Innovators Alliance (NCIIA)? It has approximately 200 college and university members, and more than 5,000 students at these institutions are on entrepreneurial inventor teams (E-Teams). Now, 15 of those teams are getting ready for a face-off at the March Madness for the Mind showcase in San Francisco.


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• The Age-Related Macular Degeneration Study-Krypton Laser (AMDS-K) is a multicenter controlled clinical trial designed to determine whether krypton red laser photocoagulation is of value in preventing visual acuity loss in eyes with macular degeneration that have either choroidal neovascularization 1 to 199 μm from the center of the foveal avascular zone or choroidal neovascularization 200 μm or farther from the foveal avascular zone center with blood and/or blocked fluorescence extending within 200 μm of the foveal avascular zone center. Recruitment ended in December 1987 after 247 patients had been assigned to photocoagulation and 249 patients had been assigned to no treatment. At 3 years after randomization, 49% (86/174) of treated eyes, in contrast to 58% (98/169) of untreated eyes, had lost six or more lines of visual acuity. The average visual acuity of treated and untreated eyes at that time was 20/200 and 20/250, respectively. The benefit of laser treatment was largest among patients without evidence of hypertension and diminished to no apparent benefit among patients who had highly elevated blood pressure and/or used antihypertensive medication. Treatment of lesions meeting the AMDS-K eligibility criteria in eyes of patients with no hypertension is recommended. However, treatment cannot be recommended uniformly for patients with definite hypertension having lesions similar to those of patients enrolled in the AMDS-K.
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With increasing awareness of environmental impact of modern manufacturing, graduates with the combined skills taught on this programme are highly sought after by both process and environmental industries.
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The majority of modules, worth 15 credits each, are taught by university academic staff. In addition, business and research seminars and renewable technology modules are delivered by experts from industry, research institutions and business organisations.
The majority of modules run for eleven weeks and comprise approximately 33 hours of class time, and 120 hours of self-study and assignments. You will also undertake a dissertation.
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Academic support, in the form of consultations, is constantly available to enable further knowledge and skill comprehension.
In this module you will gain an appreciation of the technical issues involved in the production of computationally intensive engineering design and simulation software. You will explore the software design and production process from the mathematical origins to the final user interface. This module concentrates on the technical issues of algorithm design whilst touching on the business and user-interface aspects of commercial packages.
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Knowledge is the most critical part of any decision-making process, whether it's design, management or general business. By the end of this module you will be able to represent a design process as a space of states, understand the relationship between design artefact, design intent and design rationale as well as build an ontology and apply an agent-based architecture to the solution of a problem.
This module aims to develop your understanding of process integration. You will learn about powerful methods used to assess energy targets for energy recovery, and you will also have the chance to develop designs that match the targets.
You will explore the concept of a supply chain and its management, including both qualitative and quantitative analysis, on this module. By the end of the course you should be able to understand key concepts of supply chain management, typical distribution networks, forecasting models, planning and optimisation of inventory policies.
This module covers renewable energy technologies from the engineering point of view: applications, engineering calculations and design, feasibility and so on. The main aim of the course is to provide you with a systematic understanding of current knowledge, problems and insight into the field of renewable energy technologies.
On this module you will address the concepts, methods and tools of process modelling and simulation. By the end of the course you should be able to identify and explain types of mathematical models, explain developing models and conduct numerical simulations. You will become confident selecting proper types of methods for a given problem, and applying standard tools to solve practical engineering issues.
On this module you will develop in-depth understanding of the processes and techniques required for the production of energy, as well as chemical and material products, based on biomass processing. You will finish the course with an increased ability to identify, analyse and select processes for producing biofuels, pyrolysis and gasification and you will become confident explaining the concept of biorefinery and possible integrations with conventional refineries.
Solar Energy is a vast subject, based on different branches of science and technologies. This module aims to provide you with a systematic understanding of current knowledge, problems and insights in solar photo-voltaic technologies; enable you to evaluate current research and advances in the field; and assess solar PV technologies, developing critiques and proposing solutions.
On this module, you will focus on wind energy technology (both onshore and offshore systems) as well as the perspectives of commercial projects and economics. The main aim of the course is to provide you with an in-depth understanding of the theoretical, technological and economic aspects of wind energy systems as well as equip you with the knowledge and skills required for carrying out equipment selection and design and assessing wind energy projects.
Automatic control is an essential technology to maintain the safe, economic and environmentally benign operation of manufacturing processes. Process control is increasingly needed and challenging because modern plants have become more difficult to operate as the result of complex and highly integrated processes. This module, therefore, aims to provide an introduction to process control, while balancing theory and practice.
The project provides an opportunity for you to pursue a single topic in depth and to demonstrate evidence of research potential for the Masters award. You will be encouraged to either research a new concept or apply existing technology in a new field. A number of dissertations are carried out in collaboration with industry. Upon successful completion of the module, you will be able to approach an open-ended topic to research new ideas and experiment with new technologies.
Our programmes utilise our research-active staff in conjunction with state-of-the-art facilities to provide a range of learning experiences – lectures, seminars, directed study, practical laboratories and project work.
Lectures are delivered by specialised, expert academic staff. Further in-depth knowledge and skills are gained through seminars delivered and guided by experienced professionals from industry, business and research organisations, with the focus on the latest trends and problem-solving methods. You will also work on a number of projects, individually and in groups, supervised by academic staff and focusing on real-life problems.
Modules are generally assessed by a combination of examinations and continuous assessment. The latter will be based on solutions to tutorial questions, reports covering practical sessions and fieldwork, and essays on a number of suitable topics. Each module is examined separately. There is a written final examination for most modules at the end of each semester, although some modules are examined by continuous assessment only. The modules and the dissertation project have a minimum pass mark of 50 per cent.
Modules related to the different groups are taught by a total of six full-time members of staff and a number of visiting lecturers.
An extensive library is available for individual study. It stocks more than 85,000 printed books and e-books and more than 1,400 (1,100 online) journal titles, all in the broad area of engineering. The library support can be extended further through inter-library loans.
As part of their learning experience, students have at their disposal a wide range of relevant software needed to support the programme material dissertation projects. In recent years, this work included the design of various knowledge-based and business systems on the internet, the application of optimisation algorithms, and semantic web applications.
Numerous laboratory facilities across the Faculty and the University are also available for those opting for technology-based projects, such as the process engineering facility, a control and robotics facility and signal processing labs.
The work related to the MSc dissertation can often be carried out in parallel with, and in support of, ongoing research. In the past, several graduates have carried on their MSc research to a PhD programme.


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45 years of experience
Accepting new patients
800 S Raymond Ave
Pasadena, CA 91105 Phone number & directions
Patient Reviews
Patient Reviews ? Write a Review
Overall Rating:
Total Ratings
Total Reviews
Dr. Diehl is the most personable and caring doctor I have ever experienced. He pushes the envelope a bit, in encouraging patients to "get fit," but I receive that from a doctor that I know cares and goes above and beyond to make sure you understand your condition and treament. It has been 14 years since I had knee surgery with Dr. Diehl and I still have not forgotten what an amazing doctor and good man he is. I am so thankful for his expertise and care.
I'm a physical therapist and worked at Hunt. Mem. Hosp. for 12 yrs., in a daily working relationship w/ Dr. Diehl. He was always a pleasure to work with and his patients are treated w/ respect and concern. He replaced both of my mothers knees, one 13 yrs ago the other "19" yrs ago and she's not had a bit of trouble w/ them. At 81 yrs old now, Pat is still independent!!! We LOVE Dr. Diehl and believe you will too.
I went to this guy based on the ratings. $280 in xrays & 1st visit. Doesn't see anything. Says come back with MRIs. I do & he spends 10 minutes looking at them and says he doesn't see anything. Charges $100 for his "I don't know" opinion. DO WE REALLY HAVE TO PAY DOCTORS FOR NOT DOING THEIR JOBS???!!!
Great Dr. Very nice and respectful of patient....and smart also
Spends the necessary time to insure you understand the details and options for your condition (I 2 bad knees). Provides several cautious solutions prior to recommending surgery. A surgeon that cares, spends time with patients and answers all your questions before you ask!!!!!! This is a GREAT doctor.
I think he is an awesome Dr. He does not push me into treatments/surgery I do not need at the present time. He promotes exercise and weight management to help with my arthritis. I think he is fantastic.


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La Quinta Inn & Suites Manchester, Manchester
- Free breakfast, free WiFi, and free parking
Main amenities
- 112 smoke-free guestrooms
- Outdoor pool
- Fitness center
- 24-hour business center
- 24-hour front desk
- Coffee/tea in a common area
- Air conditioning
- Daily housekeeping
- Computer station
- Front desk safe
- Convenience store
- ATM/banking services
For families
- Microwave
- Refrigerator
- Connecting/adjoining rooms available
- Private bathroom
- Premium TV channels
- Daily housekeeping
What's around
- Heart of Manchester
- Verizon Wireless Arena (1.7 mi / 2.7 km)
- City Hall Plaza (1.4 mi / 2.2 km)
- Saint Joseph Cathedral (1.4 mi / 2.2 km)
- University of New Hampshire-Manchester (1.4 mi / 2.3 km)
- Palace Theater (1.4 mi / 2.3 km)
La Quinta Inn & Suites Manchester, Manchester
Hotel Info: 1800 846 835from A$155
- Two Queen Beds (with Microwave and Refrigerator)
- One King Bed, Non-Smoking (with Microwave and Refrigerator)
Recommended hotels
At a glance
Key facts
Hotel size
- This hotel has 112 rooms
- This hotel is arranged over 4 floors
- Check-in time 3 PM-3 PM
- Check-out time is noon
Required at check in
- Credit card deposit required
- Government-issued photo ID required
- Minimum check-in age is 21
Travelling with others
- Children (18 years old and younger) stay free when occupying the parent or guardian's room, using existing bedding
- No cribs (infant beds)
- Pets allowed *
- Free WiFi in public areas
- Free WiFi in rooms
- Free self parking
- Extended parking *
- RV/bus/truck parking
Other information
- Smoke-free property
In the hotel
- Free breakfast daily
- Coffee/tea in a common area
- Outdoor seasonal pool
- Outdoor pool
- Fitness facilities
- 24-hour business center
- Conference space size (feet) - 237
- Conference space size (meters) - 22
- One meeting room
- Computer station
- 24-hour front desk
- Dry cleaning/laundry service
- Laundry facilities
- Multilingual staff
- Elevator/lift
- ATM/banking
- Safe-deposit box at front desk
- Picnic area
- Television in common areas
- Accessible bathroom
- In-room accessibility
- Roll-in shower
In the room
- In-room climate control (air conditioning)
- Air conditioning
- Coffee/tea maker
- Iron/ironing board
- Blackout drapes/curtains
- Premium bedding
- Pillowtop mattress
- Private bathroom
- Bathtub or shower
- Hair dryer
- 32-inch flat-screen TV
- Premium TV channels
- Desk
- Free WiFi
- Free long-distance calls
- Refrigerator
- Microwave
- Daily housekeeping
- Connecting/adjoining rooms available
La Quinta Inn & Suites Manchester, Manchester's small print
Also known as
- Quinta Inn Manchester
- Quinta Manchester
The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.
Optional extras
Extended parking is available for an extra charge
Rollaway beds are available for an additional charge
Pets are allowed for an extra charge of USD 100.00 per pet, per stay
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.
Recent reviews
Excellent 4.2 /5 from 504 reviews
Clean comfortable accommodating
Affordable comfortable accommodating
check-in was a bit disorganized- i was there 20 minutes into check-in time - and stood around a bit- waiting for rooms to be cleared for occupancy ???? seemed rather odd- standing around- and waiting ?
Traveling through town on the way to other adventures. Nice room, clean and modern. Definitely a step above most other chain bargain rooms. Well worth the extra few bucks. Pool is a nice touch, but did not stay long enough to use it. Good nights sleep.
The room was clean except the fact that we found dog pop in a corner and the under side of the rim of the toilet needed to be cleaned better
Is the description of this hotel not correct? Tell us


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Frozen Angels
by Eric Black and Frauke Sandig
Using dreamlike cinematography and personal stories, Frozen Angels presents the future of human reproduction, available now in Los Angeles.
Independent Lens
Ghost Story
by Veronika Soul
A tenement apartment becomes home to past and present generations of a Chinese immigrant family in this brief meditation on time, memory, and change.
Heroine of Hell
by Nietzchka Keene
A painter obsessed with visions of hell and damnation forms a strange alliance with a recent widow.
In the Realms of the Unreal
by Jessica Yu
This experimental documentary portrays the work of Henry Darger, a janitor by day and "outsider artist" by night who transcended social isolation and poverty by creating his own world through art.
Jump Fence
by Alfred Hernandez
In this experimental narrative, a man attempts to recover his lost self in a suburban backyard that becomes a surreal metaphor for his alienation.
Letter from Waco
by Don Howard and Terri Clemens
A humorous portrait of "the West's most southern city," a place governed by four principles: race, religion, death, and football.
Locust Point
by John Bright Mann
Get a glimpse of the American immigrant experience circa 1900 in the nation's second-largest immigration point after Ellis Island.
Making Tutti!
by Davia Nelson, and Karen McCabe
A chronicle of the creation and performance of the children's musical fairy tale "Full Moon Over Tutti" with Father Quido Sarducci.
Margaret Sanger: A Public Nuisance
by Barbara Abrash, and Esther Katz
A look at the early public debate surrounding birth control and the unstoppable Margaret Sanger.
Memory of Fire
by Edin Velez, and Sarah Vogel
A theatrical meditation on the "discovery" of the new world by Christopher Columbus.
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Enter your Email address:
Wolters Kluwer Health may email you for journal alerts and information, but is committed
to maintaining your privacy and will not share your personal information without
your express consent. For more information, please refer to our Privacy Policy.
Høivik, Dordi PT, MSc; Baste, Valborg MSc; Brandsdal, Einar MSc; Moen, Bente E. MD, PhD
Objective: To investigate the association between self-reported working conditions and registered health and safety results in a petroleum company in Norway.
Methods: We analyzed data from company surveys of working and organizational conditions in 2003 and 2004 and data from the company's files of sickness absence, personal injuries, serious incidents, and undesirable incidents in 2003 and 2004 as well as personal injuries from 2000 to 2004 using Pearson's correlation analysis and multiple linear regression analyses.
Results: Good perception of confidence in management in 2003 and 2004 was significantly negatively correlated with the number of personal injuries from 2000 to 2004.
Conclusions: Management style and trust in the manager are important factors for predicting personal injuries. The company's working and organizational survey might be used as an indicator for injury risk.
©2007The American College of Occupational and Environmental Medicine
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text: Chappy_Rukia (chappy_rukia) wrote in pkmncollectors, 2013-02-21 23:56:00 Chappy_Rukia chappy_rukia pkmncollectors 2013-02-21 23:56:00 Previous Share Next Mood: cheerful Touya Movic Mascot I'd leave my boyfriend for this cutie o-oLuckily i didn't have to make a choice like thatMovic VS Dot SpriteI hope the image sizes were alright <,<;There NEEDS to be more merch of Black Touya….Like NAO! D8 Post a new comment Error Comments allowed for members only Anonymous comments are disabled in this journal We will log you in after post We will log you in after post We will log you in after post We will log you in after post We will log you in after post Anonymously switch LiveJournal Facebook Twitter OpenId Google MailRu VKontakte Anonymously default userpic Insert Bold Insert Italic Insert Underline Insert Strikethrough Insert Link Insert LJ User Insert Photo Insert Media Your reply will be screened Your IP address will be recorded Post a new comment Preview comment Help 6 comments Post a new comment 6 comments bacentrekkes wrote in pkmncollectors: ←Back from Kami-Con, and first auctions post! Also some swing charm trades! poliwhirl wrote in pkmncollectors: →February Kids Sales!


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Internationally renowned Intuitive-Medium, Char Margolis, shares with you her secrets for developing your own intuitive abilities. Her gift to connect with the spirit world and strongly intuit messages is remarkable. With her personal warmth and quick wit Char has been stunning people around the world with her amazing intuitive talents for decades.
"I don't know how Char does it!" ‐ Larry KingRead More
We All Have Questions...
Human beings have been seeking answers to these questions throughout recorded history. Some of their answers are based on faith; some on scientific data; some on fantasy. But a few answers, very few, are based on the actual experience of tapping in to a realm beyond this physical world, where we can speak directly with energies we call "spirits," and, more important, where we can connect directly with the highest level of universal and infinite love, wisdom, and light that we call God.
We connect with these other realms through our inborn sixth sense--our intuition. This God-given power is a direct connection between each soul and the universe.
You see, I know with absolute certainty that, in the same way animals have instinct, every human being has intuition. It's inherent in our makeup, in the same way we have sight, hearing, touch, taste, and smell. We use our intuition unconsciously all the time in ways too numerous to mention. But intuition can be so much more than something that just helps you find the jewelry you lost or tells you if your child is in trouble. Our intuitive sense is literally a channel between this world and the next. It's an energy conduit through which we can connect with loved ones who have died, speak to our guardian angels and spirit guides, and even touch the highest level of universal consciousness and love.
Why Am I Here?
Sorry for the delay of this posting but this is the third one I've written. (No worries, I never posted the other two.) I kept feeling there was going to be a universal subject that I was going to address. Unfortunately, the terrorist attacks in Paris have reminded me of what I need to talk about. In December of 1999 I hosted a pay per view special. The title of the show was called "Char, A Psychic for the new Millennium." During that taping I made a prediction that in the new millennium there would be terrorist attacks including the United States and our government needs to protect air travel. Unfortunately this prediction has come true. More frustrating for me is that there will be more... it's inevitable.


text:
IMPORTANT: Use Firefox to avoid errors when downloading files
Guidelines for Outside Teaching by Full Time Faculty College of Business Administration (docx)
Quantitative results for the satisfaction/morale survey (posted 5/1/2013) (pdf)
CBA PAC Form
College Hybrid or Online Course Proposal Form (docx)
CBA - CES Special Sessions Course Section Request Form for CBA (Excel, posted July 2012)
The mission of the College of Business Administration at SDSU is to maintain a challenging learning environment
that fosters excellence in business education and develops business professionals through innovative programs, applied learning,
research, and collaboration with alumni and the local business community. Our programs reflect the international, entrepreneurial,
hi-tech, and tourism character of our region and provide opportunities for students and faculty to integrate their academic work
with experience in the San Diego community.
The College of Business Administration at SDSU aspires to be the educational backbone of the San Diego business
community. To credibly serve one of the most dynamic regions in the nation and the world, we must achieve high national rankings
in both undergraduate and graduate education and earn a national and international reputation for excellence in research. These
objectives require us to understand and proactively adapt to the global and technological forces and the environmental, ethical
and resource imperatives that are shaping the 21st century.
Purpose: The purpose of the Faculty Development Plan/Teaching Load Request (FDP/TLR) is
to provide us with the AACSB required documentation for faculty development. This form will also be use to determine release time.
Completion required of each of the following faculty:
Timing: This form must be compiled during the Fall. Requests are coordinated
through the department staff support person.
Required forms:
Assigned Time Policy (pdf)
Participating/Status Supporting Worksheet (doc)
SDSU College of Business Administration 5500 Campanile Drive San Diego, CA 92182-8230
Student Services East #3220 Phone: (619) 594-5259 Fax: (619) 594-1573
Email: email@example.com


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16 years of experience
Accepting new patients
Internists of Central PA
108 Lowther St
Lemoyne, PA 17043 Phone number & directions
Patient Reviews
Patient Reviews ? Write a Review
Overall Rating:
Total Ratings
Total Reviews
I just love this Dr. She is compassionate. I have been with her since the beginning. Would follow her to any practice.
The best doctor I have been to. She really cares and works hard. The bad part is getting in to see her. I called and the person at the desk said it would be over two months. The practice where she works needs to overhaul their system. I called for a same day appointment and was routed elsewhere, and then, after I left a message, no one called This is not the first time. Great doctor working at a very lacking practice
She listened and took extra care on figuring out what I had wrong.
I have been seeing this doctor for awhile and don't have a problem with her. The office staff usually are very nice but on a day when you really need to see a doctor and it does not matter who you see they sucked. When asking to see if I could see her they said today and ask why and I tell them that I just started chemo last week and my doctor who is at Johns Hopkins wanted someone to look at my arm the person on the phone goes well that's not going to happen!! I said that it doesn't matter if it her they wait two seconds and say the best I can do is tomorrow at 10:15... I called their office at 3:30 you would think someone could have seen me...
She is very thorough and keeps looking for answers. She listens.
The best doctor I have ever had. Dr. Dente is very determined and will hunt until she has an answer!!
She has NOT failed me YeT !.


text:
Film screenings, live music, comedy and more will take place at the parallel Superbia Weekend inside the former Cornerhouse
Campaigners are worried about the future of the Oxford Road building
Full details of everything that is happening over this special weekend
Well-known businesswoman Lottie Hollinworth passed away last week aged 49
The top three in our newest awards category prove what we already knew about Mancunians: you love to dance, drink, and throw yourself into the fun
Author Cornelia Funke is the star guest at the art institution's new family day, which includes child friendly behind the scenes tours on Funke's Inkheart play, plus theatre, film, and rapid art from the Sketch-O-Matic booth
This year, you get to choose who takes this coveted title in our annual awards, which recognise the people and places who made the most of the last 12 months
The photo booth where sitters are drawn by an artist started at Cornerhouse in 2011 and a return visit to the venue attracted queues around the block - now HOME is expecting similar scenes as it reopens the booth for a third time
Plans have been submitted for a new restaurant with a screen downstairs for diners to enjoy
Manchester, and the north, is blessed with a digital and creative sector that continues to grow in size, sophistication and complexity.
A look ahead at the theatre productions coming to Manchester's newest cultural hub for the rest of 2015 and into next year
Part of global hotel company, Meliá Hotels International, the hotel is based at the brand new First Street development in the city centre.
Haunting pictures of the Camelot theme park lying abandoned got us remembering other lost theme parks and museums from in and around the city
The Manchester Day parade is on Sunday June 14 from 12pm to 4pm
We reveal the full list of the most dangerous crossings across Greater Manchester and where you could be taking your life into your own hands
A survey by the polling company YouGov found that Manchester outranks all other UK cities to be Britain's second city
Watch the Trainspotting and Slumdog Millionaire director, a patron of HOME, as he speaks about how Manchester shaped his own cultural horizons
As HOME officially opens its doors, we've gathered together all the essential facts so you can plan what you want to see this Bank Holiday weekend and beyond
There's no pick n mix counter and nowhere you can spend the best part of a tenner on chips, dips and a bucket of pop. Welcome to Manchester's most refined cinema complex...
Get your tongue around the twister that is First Street's first street party and get stuck in with theatre, tours and entertainment for all ages, from 11am
Manchester Evening News
Is there something happening in your area you would like us to report on?
M.E.N. Media is one of the north west's largest media providers and reaches 7 out of 10 people
in Greater Manchester every week.
Online, manchestereveningnews.co.uk welcomes 2.4million unique users who experience12.4million page views every month.
Our newspapers include the flagship Manchester Evening News - Britain's largest circulating
regional daily with up to 130,485 copies - as well as 20 local weekly titles across Greater
Manchester, Cheshire and Lancashire.
Free morning newspaper, The Metro, published every weekday, is also part of our portfolio,
delivering more than 200,000 readers in Greater Manchester.
Greater Manchester Business Week is the region's number one provider of business news andfeatures, targeting a bespoke business audience with 12,687 copies every Thursday.
Every month, M.E.N. Media's print products reach 2.2 million adults, spanning from Accrington
in the north to Macclesfield in the south.
To benefit from this unique, unrivalled audience, call M.E.N Media on 0161 832 7200 or click here to fill in our contact form.
For more advertising contacts click here.
Editor, Manchester Evening News editor-in-chief MEN Media and Trinity Mirror Huddersfield
Rob Irvine was appointed editor-in-chief of MEN Media and Trinity Mirror Huddersfield in April 2012.
Rob joined Trinity Mirror in 2001 and was editor of the Daily Post North Wales for seven years. He was also publishing director for Trinity Mirror North Wales and Cheshire.
He grew up in Stockport, Greater Manchester and has worked in the local newspaper industry for 27 years.


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Life is BUSY in Today's FAST World!
How are you communicating with your Residents, Members or Customers, RIGHT NOW?
Design & Production
Creative Deisign and Production for Logos, Branding, Print, Audio, Video and anything else you can throw our team's way.
Web & Mobile Marketing
From Top Quality Websites to Cutting-Edge Mobile Apps and Social Media to Search Engines, our team delivers at the highest level.
Digital Communication
Staying in touch with your target audience through email, mobile apps and in REAL-TIME through text messaging is key to your business.