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AS WE ALL know by now, either 4,000 or 6,000 or 8,000 people (depending upon the enthusiasm of the narrator) - perhaps approaching 25 percent of the population of Millville, N.J. - purchased tickets for a ballgame last night. With Mike Trout coming home to play the Phillies for the first time, this fact was well-publicized.
As such, any self-respecting professional burglar with an Internet connection was aware of this migration and undoubtedly headed to Millville, a caravan of nondescript panel trucks driving south on Route 55 as a caravan of enthusiastic minivans drove north. It could be argued, therefore, that the better column was to be found in the hometown that was temporarily a ghost town.


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Newegg.com - A great place to buy computers, computer parts, electronics, software, accessories, and DVDs online. With great prices, fast shipping, and top-rated customer service - once you know, you Newegg.
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There was a time when Mel Gibson's biggest problem with The Passion of the Christ—his personally financed, $25 million film about the crucifixion of Jesus—was whether to use subtitles. But translating the film's Latin and Aramaic dialogue has paled in comparison to the fight over what some critics claim is the film's unspoken message—that Jews were responsible for the death of Christ almost 2,000 years ago. Though only a few political and religious leaders have seen the unfinished film, The Passion's brutally violent portrayal of Christ's torture and execution (some viewers said they have found the violence almost unwatchable) has prompted accusations of anti-Semitism. Abraham H. Foxman, national director of the Anti-Defamation League, fears that the depiction of Jews as "Christ killers" could incite "hatred and bigotry." Union Theological Seminary professor Sister Mary C. Boys noted that The Passion could cause "one of the great crises in Christian-Jewish relations."
Gibson has declined to weigh in directly on the furor, but friends and colleagues are defending him and the movie. Script consultant Father William Fulco, a Jesuit priest who is close to Gibson, wonders of critics, "Is it that you think Mel Gibson is turning out anti-Semitic films, or is it that the whole Christian phenomenon, manifested in this film, is historically an uncomfortable thing?" In The Passion, which Gibson has said is based on the Gospels, members of the Sanhedrin (high-ranking Jews such as the priest Caiaphas) are instrumental in convincing Pontius Pilate, the Roman governor of Judea, to order the crucifixion of Jesus (played by Jim Caviezel). Foxman's main concern is that The Passion indicts not just Jewish leaders but a Jewish mob, he says, "reinforcing the centuries-old notion of collective Jewish guilt for the death of Jesus." Producer Dean Devlin (Independence Day) disagrees. As a Jewish friend of Gibson's, "I went to the film figuring I'd be able to tell Mel what to take out. I found nothing offensive," he says. "He has one [Jewish] priest screaming, 'Why is this being done in the middle of the night? Where is the rest of the council? They would never approve.'"
Gibson, according to his publicist Alan Nierob, is "really upset" by charges of anti-Semitism. Says Fulco: "Sometimes Mel and I will talk on the phone. He'll say, 'What psalms do you suggest I pray?' to address the hurt." Gibson is a member of the "traditionalist" Catholic movement which rejects Vatican II, the sweeping 1960s reforms that included a renunciation of the church position that Jews were responsible for Jesus's death. Gibson, who recently contributed $2.8 million to build a traditionalist church near his home in Malibu, told TIME he believes Vatican II "corrupted" the church, leading to "dwindling numbers and pedophilia." When The Passion hits theaters—possibly later this year—it will spark even more debate among scholars; like most Biblical films, it takes artistic license with history (see box). But Rabbi Marvin Hier, dean and founder of the Simon Wiesenthal Center in L.A., fears that scholarly debate on the role of Jews and Romans will be lost in Gibson's graphic depiction of the crucifixion. What will happen, he wonders, when "the audiences ask, 'Who is responsible for all this suffering?' The Romans are all gone." Nierob acknowledges that the controversy only increases interest in the film, but his boss isn't joining in the fray. "He's knee deep in editing," says Nierob. "He's got to get music, sound. And he's got to figure out the subtitles."
Karen S. Schneider
John Hannah in Los Angeles and Bob Meadows in New York City
Holy War
updated 09/01/2003 AT 01:00 AM EDT
•originally published 09/01/2003 AT 01:00 AM EDT


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Coupon Deals FRI Dec 18
scubamom05 · Pass a Note!
Updated 1 hour ago
Ebay questions
My 1st auction ended. I am ready to ship as the $$ is already in paypal. Do I need to print off the label through paypal? Can I go to the Post Office? What is the best way to make sure I am protected - do I need to get the insurance? I am sending it to NY.
It will be cheapest to ship through Paypal, but you may need a scale, unless you use a flat rate envelope or box. If you have a kitchen scale, that could work in a pinch. To be protected, you just need to be sure to purchase Delivery Confirmation. This will protect you against the buyer saying they didn't get it when they really did. You can purchase insurance, but this will only protect you if the package never shows up at the destination or the item is broken. If you purchase the postage through Paypal and are sending it Priority Mail, then Delivery Confirmation is free. If you are sending 1st Class or Parcel Post, then it's only about $0.18 for Delivery Confirmation. To purchase the postage through Paypal, you can click on "Create Shipping Label" (or something like that) and it will walk you through the process. Print it out and tape it to your package. Then just drop it into a mailbox!
Earlier this year one of you was asking for any unwanted BTFE because they volunterred to head the collection for their kids school. ( am I remembering that right)
Anyway, I think It was Melissa but who knows really. If that person reads this let me know cuz I've got some to get rid of.
Mom to Braden 02/05, Tavian and Kalim 06/06
"I love giving homemade gifts, which one of my kids do you want?"
Charlena-wife to josh mom to caleb
Charlena-wife to josh mom to caleb
Coke rewards I have 75 coke rewards for trade I'm looking for pampers or huggies diaper coupons manufacturer or target pman
ETA I didn't clarify the target coupons sorry I was looking for the ones that come in the mail not the paper also I am completely out of ink right now so no go on any printables. If you have anything else maybe to offer leave a note I might be intrested got to give them to someone this weekend due to the holidays coming. We try to buy organic as much as possible too.
Charlena-wife to josh mom to caleb
Updated 4 hours ago
Ebay questions
My 1st auction ended. I am ready to ship as the $$ is already in paypal. Do I need to print off the label through paypal? Can I go to the Post Office? What is the best way to make sure I am protected - do I need to get the insurance? I am sending it to NY.
Can you tell I have never done this before? Any help is appreciated. Thanks.
If you don't have a scale, I would take it to the post office to make sure you get exact shipping. If you are going to do a lot of selling, I would recommend investing in a scale. I got one for really cheap on eBay at few years ago and I LOVE IT. I don't sell a lot, but every 6 months or so we go through and clean stuff out and list it. We're in one of those phases right now, so I was abl eto print off shipping for 6 packages last night and 3 the day before. Then, we can just drop them off at the post office. Saves lots of time.
If you don't ship through Paypal, make sure you mark the item as shipped on eBay. Definitely also get delivery confirmation. If you don't ship through Paypal, e-mail the delivery confirmation # to the buyer as a courtesy.
Mom to dd 5/16/04 and ds 4/10/07
Follow my $40 grocery budget, get CVS/Walgreens scenarios,� and get the scoop on the latest Amazon deals here!
kibbies01 · Pass a Note!
Updated 1 hour ago
These are gettting harder every year to find. My mother only wants that for xmas and I have check all them place and finally found one at fashion bug and had a 10/25 coupon so it made it sweet even through it has a square neck she doesnt like it but it has pockets in it for her cell phone (she wears them till afternoon some days)
Heather - I would love a few of the Infants Tylenol coupons if you could PMAN. Stupid BBC formatting on my phone. I wish they would get this crap fixed!!! Ok enough b**chin!!! LOL
Mom to Mason 11/06
Caroline Grace 3/4/10
Life has been so crazy lately and have not been able to keep up. (I know very sad). Can someone point me in the direction of the 1.00 off Walgreen huggies coupon. I have been doing this deal all week and would like to continue to save an extra dollar if possible. Thanks so much
Proud mommy to two boys
Milk Allergy/Lactose intolerant kids
Now that Lukas is older, eating more and not drinking formula (finishing his last can..WOOT!!!) I feel like I need to get better at giving him well rounded meals, but I keep thinking of things he can't have. He does great with soy, but dairy is not good at all...so no yogurt or cheese products. Is there a soy yogurt? Will he actually eat soy cheese or something? Also with his reflux sometimes fruits and veggies are too much for his tummy. Anyway, I just need more ideas on snacks and quicky type meals (esp lunches). I have seen friends with those veggie chip looking things...what are those? ARe they any good for them or just a little better than a chip? Feel free to PMAN
First of all - does he have an allergy or is he intolerant? If he has an allergy then you have to really watch ingredients, specifically for casein which is a milk protein. The vast majority of the fake cheeses out there (and the ones that taste fairly decent) have casein. My son will eat them because they are all he knows - but I also have a dairy allergy and I just don't do most cheese because I grew up in Wisconsin on the real stuff and I just can't stomach it (except in cooking once in awhile).
Also, if it is an allergy then you need to be careful using soy substitutes (and most dairy substitutes do contain soy). The molecules in soy are very similar to dairy (hence the reason they use them to make dairy subs) and many who can't handle dairy also can't handle soy - or develop an allergy to soy as well once they are using tons of it. I had a good friend whose child tested positive for dairy and she took the dairy out and no change - she was shocked to find out that he was also allergic to soy.
My son does not have a soy allergy so we do soy in moderation. We love Tofutti products which are all soy based - they make cream cheese, sour cream and ice cream products. We also Silk soy yogurt. To balance that soy we don't do soy milk (and can't do rice milk because of gluten) so we do almond milk - which is a great natural source of calcium. When looking for cheese substitutes and slices look for packages marked "vegan" and they will not have the casein in it. There is also yogurt and ice cream made from coconut milk (so delicious brand) that many people love - I can't stomach them - but you might try them.
And if it is an allergy then you must read the labels on everything - most baked goods and margarine will have some dairy in them.
Mom to Andy, special in so many ways - adopted, autism and celiac disease.


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|Start date
|Fall 2016
This program provides students with a degree-level education in business management with an applied focus for the automotive industry. Students learn current issues, trends and technologies that prepare them in adopting proactive approaches in identifying and responding to changes in the automotive industry. Instruction, lecture and discussion delivery promotes critical thinking and problem solving skills and classes will often include a guest speaker series with industry representatives in attendance. Labs are a substantial part of the program and the student run Auto Show is the largest lab of its kind in Canada. A strategically sequential co-op structure serves to maximize the link between theory and practice.
Effective September 2016, the program Bachelor of Business (Automotive Management) (major code BBAM) will be re-titled Honours Bachelor of Business Administration (Automotive Management) (major code BBAA). Download the Honours Bachelor of Business Administration (Automotive Management) (BBAA) program outline.
OSSD or equivalent with
You must meet ONE of the following requirements to be eligible for admission to these programs:
Secondary school applicants:
Students presenting equivalent qualifications will also be considered for admission. A second grade 12 university or university/college Mathematics course is highly recommended.
Non-Secondary school applicants (19 years or older):
* available from Georgian College. For a complete listing please contact the Office of the Registrar.
Selection is based on academic grades and subject prerequisites; applicants must meet minimum averages to receive final acceptance.
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The subject of digitalis has become extremely complicated in recent years through the popularization of modern purified preparations, such as Lanatoside C, Digitoxin and others. A review such as that of Movitt is therefore of great value. The botany, pharmacology, chemistry and clinical use of all the various preparations are thoroughly summarized with comprehensive references to the literature. There are many useful tables and charts and an index.
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Post Helps Readers Find Bad Jobs
"I'd be a fool to argue that jobs are plentiful these days," says Tory Johnson at the New York Post, but she does know 20 companies who are hiring. The jobs in the first several paragraphs -- offered by small tech-intense companies like etsy.com who have not yet run through their venture capital -- seem okay and you might be safe at them for months before investors pull the plug. At other companies the Post cites, the allegedly available jobs are in specialized positions like "project control specialists" and "associate director of research" which, forgive our horrible prejudice, most Post readers (like us!) are probably not qualified to do.
Buried deeper in, you will find "short-term hires or last-minute assignments" from Lloyd Staffing like "trade-show booth personnel, mailroom and copy operators and receptionists" and jobs serving hot dogs at ballparks. You can also get eight dollars an hour wiping old people's butts. It's not all downscale from there -- The CEO of 5W Public Relations ("Ronn [sic] Torossian") may take a chance on your sorry recession-era ass, but warns, "We expect more from people right now. Be ready to work harder and make less." So maybe you'll be wiping old people's butts there, too.
As you may have surmised, the deeper into the article you get, the sadder the prospects. The Post probably figures the comfortable will just read the beginning and think, "Things aren't so bad, good reporting!" and move on, while the desperate will read it all and think, "If I can just get two or three of these jobs, my family and I might survive! Good reporting!" So, you see, everybody wins.
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Canada may share a head of state with Australia and New Zealand but the Bank of America Merrill Lynch has a different reason to link the three nations
Millennials are certainly living with their parents for longer but it's not because they don't want to own their own home
Are you looking to invest in property? If you like, we can get one of our mortgage experts to tell you exactly how much you can afford to borrow, which is the best mortgage for you or how much they could save you right now if you have an existing mortgage. Click here to get help choosing the best mortgage rate
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August 28, 2013
President Pamela Fox
Today we open our 172nd academic year. I never take for granted the privilege of this time each year. It is a new threshold of promise, a sacred start to the cycle of academic inquiry. It is an exhilarating affirmation of our truest and highest endeavor — teaching and learning as a community enabling the personal transformation of each student. Through our liberal education, Baldwin graduates are imbued with the critical powers of reason. We transmit our values of leadership and ethical citizenship. Our graduates take these qualities forth into their communities locally and globally.
Courage is our theme this year, Defining Courage, as expressed for the class of 2017. As you recall from your first day of school or college, our new students experience fear and uncertainty along with excitement. They must call forth courage. Courage is the enabling virtue. Without courage, we cannot develop the confidence of leadership, the capacity to serve, and the drive to make a difference. C. S. Lewis reminds us: Courage is not simply one of the virtues, but the form of every virtue at its testing point.
Our outstanding professors are summoning their courage to teach. Each academic year we find ways to keep our hearts alive as we serve our students. As Parker Palmer has stated: "Good teaching is an act of generosity, a whim of the wanton muse, a craft that may grow with practice, and always risky business."
We summon our values collectively each year as a courageous community. That is what this hour is all about. Under the microscope of scrutiny and transparency within higher education, others will continue to attempt to "define" us. In an era of constant change and challenging externalities, together we command the courage to shape our future.
Last year at this time we considered "The Place of Mary Baldwin in a Changing World." I reviewed my summer reading list with you, a list reflecting the rapidly evolving landscape of higher education. We were still bucking the trends and doing better than many other colleges. In September it became apparent that enrollment was falling short of projections. By January the Board took the lead in convening a working group to proactively determine how Mary Baldwin must adapt to external trends to ensure the sustainability of the institution. An intensive semester of difficult and emotional work ensued. Forty members of the faculty and staff along with members of the Board of Trustees met on Saturdays, and additional members of the community volunteered to be part of five study groups in March. On April 19, the Board took into account all the excellent work and requests of the community and passed a resolution outlining further work to be conducted between April and July.
We were able to end the 2013 fiscal year with a balanced budget despite the enrollment shortfalls by holding open positions, releasing unrestricted campaign gifts, and raising an additional $150,000 beyond the original Baldwin fund goal. We continued our zero-based budget work and organizational audit. In anticipation of further enrollment declines in RCW and Baldwin Online and Adult Programs, we reduced the 2014 budget by about 5%, or $1.2 million.
Over the summer we continued our year-round campus with five concerts weekly of the Heifetz International Music Institute and the young artists in the American Shakespeare Center Theatre Camp. Thank you to our physical plant and dining services staff, who not only worked tirelessly through the summer and made the campus ready for move-in this week on a short turnaround — but also responded to serious unforeseen issues in just the last week caused by power and water outages over which the college had no control.
The Murphy Deming College of Health Sciences continued to implement their aggressive timeline: we held a "topping off" ceremony as the final structural beam was hoisted; the site visit of the Physical Therapy accrediting agency was successful; and admissions for the first classes of physical and occupational therapy opened. Significant gifts to name key spaces in the building were secured.
We took action upon key recommendations from all the study groups. The R2 faculty committee (Repositioning and Restructuring in RCW) met weekly and completed a draft proposal that addresses all aspects of its ambitious charge. The education faculty met to lay the foundation for a new flagship identity and organization. Extensive research on Baldwin Online and Adult Programs's market position was completed. Professor Klonoski created a discussion document for the potential pilot of Baldwin Online.
It was a busy summer. Thank you to all faculty and staff members who dedicated so much time and effort over the summer. I am truly and deeply grateful.
How are we moving forward?
We are creating the college of the future consistent with our mission by aligning our distinctive strengths with trends in higher education. We must achieve simplification and sustainability, attract and serve new segments of students, and imbed flexibility to respond to the unpredictable flux of enrollment patterns. We are, in essence, generating a new strategic plan, which we will complete by 2014.
We developed our last strategic plan, Composing Our Future, in 2004 and updated it in 2011; these plans have guided us for 10 years. We have accomplished much but have not achieved the ambitious 25% enrollment growth goals we set for ourselves. As a result we have not yet been able to complete some key capital projects, and we have not been able to adequately invest in improved compensation for our dedicated community.
Our work over the last three years informs our next steps. We are on track to launch transformational new graduate programs in less than a year. We have instituted strong academic programs such as Social Work and created synergies across programs through faculty-led efforts such as the 12-1 committee. We have raised $64 million to date in the Ever Ahead campaign toward our goal of $80 million, making a positive impact on all parts of the college. The more than $20 million of unrestricted giving has functioned as an endowment supplement and augmented our maintenance and replacement budget. We have enhanced academic excellence and endowed undergraduate research and the Spencer Center for Civic and Global Engagement.
Now we must consider how each part of the institution interrelates and contributes to the vitality of the whole. The Board has asked us to envision the blueprint of the college of 2020. Each major segment of the college needs to be as self-sustaining as possible.
Our approach to strategic planning is to be data-driven, nimble, flexible, and iterative. This is a pragmatic process. Rather than designing a set of initiatives, we are working intently on our entire ecosystem and repositioning each component for adaptive success. The college of 2020 will have six key complementary components under a compelling vision of a united college or university.
- The repositioned Residential College will likely be somewhat smaller and more self-sustaining, serving a diverse population of students with the capacity to succeed and contribute to the college community.
- Baldwin Online and Adult Programs must evolve through its own restructuring and repositioning and potential name change, building upon its personalized pathways and hybrid instructional model. The landscape of competition requires our immediate creative action.
- A college or school of education will highlight this key area of strength, positioning it for further program development and greater marketability.
- Shakespeare and Performance will be a contributing component.
- Murphy Deming will be a new component beginning next year with growing enrollment and revenue generation, expanding our mission and enhancing our role in the community.
- Another new component will be an online degree completion arm, which could also offer in-demand undergraduate, graduate, and certificate programs.
These components of the Mary Baldwin of 2020 together will balance our financial chemistry, with each component contributing to the vitality of the entire institution. The components are not static. We must continue to identify new programs and markets and we must market our strengths and messages in a clear and compelling way on web and in print as we continue to restructure admissions for all programs. We need to explore further potential graduate programs in the arts and sciences and in Murphy Deming and consider flexible programs such as three-year degrees, additional five-year combined undergraduate/graduate degrees, and market-oriented certificates. We need to develop further partnerships in our community with non-profits, other colleges, corporations and much more.
What vision animates these six components and guides a cohesive identity?
The essence of an achievable, real-world vision is before us and within us. This is a time to confirm our core values with an eye to the future and reverence for our legacy. The centennial history of Mary Baldwin by Mary Watters contains the address of President L. Wilson Jarman, delivered on June 6, 1942. Jarman lists factors "that have caused our school to live, with a lack of completeness to be sure, yet with a rather general inclusiveness":
- the vision of the founders and
- location — our connection to place as a college within a community.
The vision of the founders was a wise synthesis of the practical values of education as preparation for an engaged and fulfilling life and the cultural values of a liberal arts tradition. We now translate this as leadership for life and global citizenship — confident, compassionate changemaking, and the liberal arts as the best preparation for careers. We are committed to diversity and inclusive excellence and to providing personalized pathways to lifelong transformation.
Our historic location in Staunton and Augusta County remains a strength. We make a difference where we are and serve needs specific to our community. In striving for distinctiveness, one of the essential aspects of positioning ourselves toward 2020, we can build upon this concept of college in community. Mary Baldwin would not exist but for the initial partnership with First Presbyterian Church. Our Shakespeare and Performance program would not exist without the American Shakespeare Center and the Blackfriars Playhouse. Murphy Deming is already a cornerstone of community growth as an anchor in the economic development of the Blue Ridge Life Sciences Corridor. The Spencer Center stands on campus in the center of our community and connects our work with the broader community, as was documented in this week's inspiring article about our May Term work with the Booker T. Washington School. It sends our changemakers out to communities across the world.
We can extend this concept in focused ways to our regional centers and our entire Mary Baldwin family. The evolution of Baldwin Online and Adult Programs can be guided by serving regional needs and fostering community and corporate partnerships. Our alumni stand ready to even more purposefully connect to one another and our students. And as we develop new online options we will extend the sense of personal connection and service through new pedagogies.
Connections, intentionality, interdisciplinarity, and scholarship in practice are central.
Transforming lives for leadership and citizenship
Engaged in community locally and globally
The essence of our achievable vision.
What are our next steps?
We are already well under way in creating our Mary Baldwin of 2020 with six main components, a new thriving era for our college engaged in community, locally and globally.
The faculty meets this afternoon to consider in detail the R2 proposals. R2 has suggested a working group on General Education reform, with particular focus on the needs of first-year students that will be constituted soon. Another group of faculty and staff will form to develop a comprehensive plan to integrate career development across the curriculum and co-curriculum. I will invite faculty and staff to be part of the team evolving Baldwin Online and Adult Programs and creating Baldwin Online. Murphy Deming continues exactly on schedule. The Education faculty are working together on key dimensions of pulling together into one unit, including organization and budget, curriculum, and facilities.
To increase communication, the Executive Staff will include open dialogues with these various groups as part of our regular meetings. We will facilitate two staff forums per semester so everyone can keep up-to-date. The Board of Trustees will conduct monthly conference calls. We will invite students into important conversations. Alumni and volunteers will be engaged even more deeply.
Our timeline is as follows:
- October 17-18, 2013: Progress report to the Board of Trustees on all planning efforts.
- December 13, 2013: Specially called Board conference call to receive the faculty recommendations from the R2 group.
- February 13-14, 2014: Next progress report, including General Education reform, career connections across the curriculum and co-curriculum, and draft of strategic plan.
- April 17-18, 2014: Final recommendations to the Board and approval of strategic plan framework.
- June 16, 2014: Murphy Deming opens for first doctoral classes in PT and OT.
- July 1, 2014: Initial changes in college organizational structure take effect.
Finally, and most importantly, how do we approach this work and keep it in perspective?
I have every confidence we can do this. We have our distinctive Mary Baldwin culture to bring to the task: faculty leadership, committed staff, engaged Board of Trustees, open discussion and open minds, willingness to effect logical change; and recognition that we are all in this together and that we rise and fall together, as a courageous community.
We will need to continue to present competing views and confront internal contradictions. We must resist choosing between the ideal long-term potential and short-term reality, instead holding both in our awareness. Such tensions offer opportunity for both productive creativity and humor. After all, we have faith in one another and in this college we love—even when we disagree.
I continue to draw inspiration from our mission and our history. As I stated at the outset, this is the opening of our 172nd year. We are here for our students, for the joy of teaching, for the fulfillment of learning. Can you imagine how Mary Julia Baldwin felt on the first day of the Augusta Female Seminary on September 16, 1842? She was only 12 years old — she turned 13 that fall on October 4, the date we now celebrate Founders Day. She was 12, had lost both of her parents, and suffered facial deformity. One of her classmates said later that she never would have imagined that the shy girl with largeness of spirit would lead the seminary through its golden age. And then there was her first day as principal on October 1, 1863. The local paper had just declared the seminary would need to close. For 34 years she more than kept it going through repeated challenges such as the panic of 1893 when enrollment dived 27%.
The Jarman remarks I referenced earlier offered this statement: "there has never been anything extravagant about the prosperity of the school." Yet, how magnificent is our spirit. How noble is our mission.
I am very proud of you. I am very proud of Mary Baldwin. We, the community of Mary Baldwin University, throughout our continuous evolution, will never lose sight of our legacy, our core values, and our strengths of perseverance, courageous patience, and innovative tradition that have and will sustain us.
Thank you very much. It will be a defining year for our courageous community.


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Welcome to Coolangatta Dental Group
We are located at Gold Coast, Griffith Street, Runaway Bay, Ballina, Murwillumbah and Inala
Coolangatta Dental Group is a very modern, up to date, professionally managed group.
All our practices offer general and cosmetic dentistry including tooth coloured restorations, ceramic restorations and all porcelain veneers, crown and bridge work. We also specialise in Invisalign (Clear Braces), Implants, ZOOM tooth whitening, Dentures, Surgical extractions including wisdom teeth, and ask us about the new Snap on smile!
Weekend, after hour Emergency patients and Nursing Home visits are also part of our services!
We offer interest free payment plans, conditions apply and are network provider for BUPA, HCF and Medibank Private. We except Veterans Affairs and also have 10% pensioner discounts at our NSW Practices, Murwillumbah and Ballina.
Our first practice started close to the picturesque beaches of Coolangatta on the Gold Coast. Since then we have branched out along the Coast becoming a well established business known as Coolangatta Dental Group. We have our two principle Dentists in Coolangatta, Dr Rajendra Jasthi and Dr Suhas Tumkur, we also have Dr Mamatha Chitturi and our Oral Health Therapist Meghan Wilkins.
Our second practice is located in Runaway Bay, also on the Gold Coast. Dentists practicing at our Runaway Bay surgery are Dr Rajendra Jasthi, Dr Suhas Tumkur, and Dr Mamatha Chitturi.
Dr Mamatha is now trained with the Australasian Academy of Dento-Facial Aesthetics (AADFA) for Botox and Dermal Fillers. For all your cosmetic, preventative & therapeutic needs at our Runaway Bay practice.
Our third brand new practice is located in Ballina, in the beautiful Northern Rivers NSW. The Dentists in our Ballina practice are Dr Rajendra Jasthi, Dr Bernard Campbell,and Dr Lakshmanan Sivarajan.
In 2012 we took over Dr Don Dezentje's dental practice in Main Street Murwillumbah. It is now called Coolangatta Dental Group-Murwillumbah. We are offering free implant and invisilign consultations to all new patients,meet our new Dentist Dr Lakshamanan Sivarajan . We also have Dr Suhas Tumkur and our Oral Health therapist Meghan Wilkins practicing in Murwillumbah.
Our fifth brand new practice is located in the Shopping Plaza in Inala, under 'Inala Plaza Dental Clinic'. Dentists Practicing in Inala are Dr Brinda Desai and Dr Rajendra Jasthi.
So no matter where you are on the Griffith Street, Gold Coast, or Northern NSW, you don't have to travel far too see us!
Coolangatta Dental Group offers you and your family the very best in dental care while providing a relaxed, 'serene', friendly environment, and emergency services. We care about your experience with us and strive to ensure it is comfortable and satisfying, without compromising on the quality of our service or our dentistry.
We welcome you and your family to any of our practices, where you will meet our friendly, professional team. The success behind our practice is best reflected in our patient's smiles. For gentle, quality dentistry, call us today to make an appointment.
For gentle, quality dentistry, call us today to make an appointment.


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This weeks AFCE games:
Pittsburgh @ Miami, 1 p.m.; Jets BYE, next @ Miami; Buffalo BYE, next v. New England; New England BYE, next @ Buffalo
The Super Bowl Champion Patriots, winners of 17 in a row and one short of the NFL record get a bye in week three before they travel to Buffalo to play the disappointing Bills in two weeks. While most players and coaches would have preferred a bye in week 8 or 9, it does give the Pats a chance to get a few players healthy for their divisional games, coming up in October.
Barring any setbacks or injuries in practice, the Patriots should get Ty Law, Troy Brown, Deion Branch, Kevin Faulk, Ben Watson and Dan Koppen back to 100% health by the time they kick off against those aforementioned, bumbling Bills. While Faulk has yet to participate in the 2004 campaign, Watson was inactive for last Sunday's game against the Cardinals and Deion Branch appears to have avoided a major injury, when he got clipped chasing a defensive back on an interception return.
So what have we learned about our World Champions through the first two weeks of the season? We've learned that the Patriots, for the first time since Curtis Martin was taking handoffs from Drew Bledsoe, under the direction of Bill Parcells, finally have a legitimate running back. Corey Dillon has shown Patriot Nation and the rest of the NFL that teams can no longer disregard their running game, with a bruising, 32 carry 150+ yard performance in the sweltering heat of Arizona, on Sunday.
Granted, while neither the Colts, not the Cardinals are famous for their respective run defenses, it's clear that Dillon is a substantial upgrade over anyone the Patriots have had in nearly 10 years. Dillon will not only allow the Patriots to utilize more play-action passes, but he should get plenty of 4th quarter carries, as the Pats try to eat clock and keep their opponents off the field.
Suddenly, it appears the Patriots have the makings of a very young, diverse and effective offense. Consider that the Patriots "skill" position players; Tom Brady, Deion Branch, David Givens, Bethel Johnson, Daniel Graham and Ben Watson are all 26 or younger. Bill Belichick and VP Scott Pioli have obviously made a conscious decision to surround Brady with a supporting cast that can learn and grow with him. Only Dillon and Troy Brown can even be considered to be on the "other" side of their careers.
The Patriots (for the first time in recent memory) actually rank in the top 6 offensively in 2004, while their vaunted defense finds themselves in the middle of the pack, statistically after the first two weeks of the NFL season. Remarkable, indeed, although having witnessed the Indianapolis Colts whip up on the Titans, in Tennessee, it appears that Indy will (once again) be able to generate offense against whomever they please.
Defensively, the Patriots also boast a number of young, talented players and with the exception of an aging linebacking corps, seem well prepared for 2005 and beyond with people like Richard Seymour, Eugene Wilson, Asante Samuel, Ty Warren, Vince Wilfork, Jarvis Green, Tully Banta-Cain and others. Though I do think LB and CB will be a priority for the Pats in the 2005 draft as they seek (eventual) replacements for Ty Law, Ted Johnson, Willie McGinest, Roman Pfiefer and others.
Much of the Patriots success (they are now a remarkable 42-12 in their last 54 games) can be attributed to the attention to detail and game planning skills of coach Belichick. When he unveils his game plans each Wednesday, the players have supreme confidence that the game plan will work. Their team first concept is now legendary, epitomized by their running onto the field for pre-game introductions in their two Super Bowl wins, as simply a "team" with no individual introductions.
The Pats are also in excellent salary cap shape and will have many millions of dollars available to them in the 2005 campaign and beyond, with very little "dead" money to concern themselves with. One would be hard pressed to find an organization, in any sport that can compare with the Patriots recent successes and their template for future achievements. If the Patriots beat the Bills next Sunday they will come home to play the Dolphins with the chance to set the all-time NFL record with 19 consecutive victories.
With two Super Bowl titles and an NFL record 19 consecutive victories, one would have to consider this team to be among the four or five greatest teams in NFL history, especially when one considers the unique challenges of the salary cap and free agency, that the Packers of the 60's, Steelers of the 70's and 49ers of the 80's never had to contend with. If Bill Belichick were running for the Presidency, he'd have my vote and millions more in Patriots Nation for sure.
In Bill we trust.
Analyst: Craig Natale; email@example.com
The Jets started off schooling a bad Chargers team but committed the mistake of letting them get up off the mat before putting them away. Credit Herm Edwards with motivating his team to come out hard and dictate the pace of an obvious trap game, and while the team lost any semblance of aggressiveness on the field and in its play calling for a long stretch between 3rd and 4th quarters they did responded strongly when the game got close. They did sustain a couple of important injuries that we'll know more about in the coming week.
Against another weak defense the offensive line set the tone early with big running lanes and great protection which allowed the Jets to dominate the clock as they ended up controlling the ball for more than 36 minutes. Pennington was very efficient once again, directing 2 touchdown drives to open the game, and they should have been 3-for-3 in the red zone except a glitch in the replay booth didn't allow officials to overturn a bad call which took a touchdown away. While I would have preferred to see the Jets go deep a few more times to take advantage of the strong running game, they did connect on a couple of bombs again, and this has to register with defensive coordinators who gameplan to stop Martin. After 2 weeks the Jets have the top scoring offense, the league's leading rusher and Pennington has a big QB rating without having been sacked once.
Having said that I have a few beefs, and most of it centers on the playcalling. Yeah people are going to say "34 points" but when the Jets face a good defense and they don't get 4 turnovers it's not going to look as rosy. While you have to give credit to Coordinator Paul "Can't" Hackett for the efficiency of the offense to start the season he has certain tendencies which are easy to spot (he'd lose a fortune at the poker table) and he was guilty of some bad play calls on 3rd down and in the red zone once again. He overused Curtis Martin, and underused Lamont Jordan, Justin McCareins and Wayne Chrebet.
I don't care if they have a bye next week, you don't make a 31 year old back carry the ball 20 times in the first half in 80 degree heat when you're already dominating the game. Not when you have someone with Jordan's talent available. Clearly the team is angry with Jordan (who was used as the 3rd back in preseason and barely has touched the ball in 2 games), but they are spiting themselves by not using him - he now he looks rusty every time he handles the ball which is mostly on special teams. Consider the Chargers subbed for Tomlinson more than the Jets did for Martin. That's ridiculous and will come back to hurt the Jets at some point later in the year if it's not corrected soon.
Let's go back to the play calling which got a lot of praise last week when some of it simply should have gone to the O-Line. Martin's first 3 carries went for 10+ yards, and he was running well through the second quarter while Pennington had lots of time to throw. This should have been a formula for setting up big plays, but the Jets rarely took advantage. In fact virtually all the Jets offensive plays happened between the first bomb to Carter and the last one to Moss, so Hackett's idea of changing things up was to shift from running Martin (32 carries) to passing to Martin (leading receiver with 6 receptions). Also consider that 15 of Pennington's 22 completions went to backs or tight ends. How is this stretching the field and taking advantage of 8 men in the box who are trying to stop the run?
I will give him credit for 2 misdirection pass plays and a bomb on the final drive which resulted in a touchdown to win the game, but where was this when they could have put a weak team out of its misery? Martin predictably stalled in the second half and the Chargers had an opening to mount a comeback attempt that never should have occurred. One play they should just rip out of the playbook is the pass to the RB in the flat - this is one of Hackett's most obvious play calls in 3rd down and in the red zone when teams are typically stacked at the line of scrimmage, and it never works. It's also disturbing that Pennington rarely uses the middle of the field, and McCareins seemed like an afterthought while Chrebet and Cotchery might as well have been wearing Jordan's jersey.
They started out strong, generating turnovers and containing Tomlinson for the 1st half. In fact of the 28 points allowed, one TD came from special teams while the other was in semi-garbage time with the defense playing a soft zone, so it wasn't as bad a performance as the point total indicates, especially with 3 turnovers generated. The biggest bright spot of the past 2 weeks has to be the play of DeWayne Robertson, who showed nothing in preseason and last year, but is starting to make his presence known.
Despite the heat and a shorthanded tackle rotation with Josh Evans out, the Chargers were never able to get yards up the middle - a big weakness for the Jets last year. Robertson also shared a sack, caused a fumble by penetrating the backfield and was in on multiple tackles. The fact the Chargers put up marginally better running stats than the Bengals did is a tribute to Tomlinson. There were a few times that 2 or 3 players got through unblocked and Tomlinson still managed to get 5 yards on the play, but this won't happen every week and the gang tackling is sign of a swarming defense.
Of big concern is the status of Sam Cowart who had 5 stops in the first half and a couple for minimal gain. He left the game with a strained MCL. The play of rookie safety Erik Coleman is also very encouraging as he grabbed his second interception, recovered a fumble, forced another and almost got his hands on 2 other passes. He should start to show up on those top 10 rookie lists pretty soon.
The defensive concerns are twofold: pass rush and coverage. First, John Abraham and Shaun Ellis are putting minimal heat on the quarterback. This was more understandable against the Bengals who have excellent offensive tackles, but inexcusable against the Chargers who were starting 2 rookies on the O-Line, including the right tackle. Even when they sent the blitz they had a hard time getting through. I have to wonder if the changing fronts between 4-3 and 3-4 is causing more problems for the Jets than it's solving. With the Jets cornerback situation being soft they are going to need Abe and Ellis to step up if they want to have any chance against the Patriots and other explosive offensive teams. In fact, the Jets best weapon against the Chargers passing game seemed to be Brees who repeatedly overthrew his receivers. The few times he put the ball on the mark Gates and Co dropped more than their fair share.
Again, Special Teams is was a weak link. They deserve credit for generating a turnover that led to points, but they gave it right back on a kickoff return for a TD which sparked San Diego and the fans. The Jets should also rethink using Santana Moss as a punt returner. I don't believe this is under consideration, but Moss has grown into a pro bowl caliber receiver and he's clearly not taking chances when returning punts. The Jets keep getting 5 yard returns where Moss runs it out of bounds rather then trying to turn it upfield and when it's a 50 yard punt that just doesn't cut it. Mike Westhoff is considered a top special teams coach but his units have been subpar for over a year. Time to get it in gear.
This is an awful lot of complaining for a road win, and I want to acknowledge that right now. It's early in the season and the Jets are 2-0. Fans should be happy, but they should also recognize they've played against one very weak team and another which has an awful defense and started a rookie QB. The schedule is going to get tough in the second half. If all you are looking for is a team that competes for a playoff spot, then no one should complain. But I see enough talent for the Jets to become a factor in the post season if they tighten things up.
Looking forward, the Jets pass rush is going to be a big key against the Dolphins after the bye week. The Dolphins have a patchwork offensive line, but 2 very good receivers (3 if you include the tight end). If the Jets can get pressure on Feeley it should be a long day for the Dolphins. If not, that game is going to be a battle as you can't count on the offense putting up 30 points.
Injury Report:
Cowart missed the second half with a sprained MCL which can cost him 2-6 weeks. Vilma played fine in his absence but I'd still rather have Cowart in there for the big games considering how he was playing. Mawae has a broken 4th finger on his right hand which snaps the ball. Players are saying he won't miss a game, which is possible since he's played over 150 in a row, but we'll have to see. There is very little depth behind him.
Analyst: Nick Romano
Bengals Grill Dolphins 16-13
The Dolphins fell to 0-2 for the first time since 1988 with an embarrassing 16-13 loss Sunday night to the upstart Cincinnati Bengals. In one of the most boring Sunday night ESPN games in recent memory. Miami's biggest weaknesses were exposed for all the country to see. From the non-existent offensive line and running game coupled with the lack of a quality NFL caliber signal caller, the Dolphins simply put forth a miserable effort. The defense, which did everything they could to keep things together, collapsed on the Bengals final drive as Carson Palmer displayed the poise that made him the #1 overall pick in 2003.
Offensively, the Dolphins failed to gain a rushing first down and A.J. Feeley took a pounding all night long. When he wasn't running for his life, Feeley extended his streak of throwing an interception returned by the defense for a touchdown to two games. By the third quarter the offensive line became a source for criticism and jokes by the Sunday night broadcast crew.
While the play of LT Wade Smith was singled out, RG Taylor Whitley and RT John St. Clair were equally ineffective. The one bright spot on offense was the continual improvement of TE Randy McMichael and WR Chris Chambers and their development as team leaders. Chambers leaping reception off a deflection accounted for Miami's only TD of the night.
MLB Zach Thomas continued to demonstrate All-Pro caliber play and was ferocious all night. DE Jason Taylor should be joining Zach in Hawaii after his athletic interception off a deflection and sack after blowing through the Bengals offensive line. The Dolphin defense was stellar through 3 1/2 quarters but ultimately wilted in the end and allowed Cincy to march down the field and kick the winning field goal with 2 seconds remaining.
In the end, the heat was turned up even more on Dave Wannstedt and the coaching staff. South Florida is a pressure cooker and Dave is under the gun for not only his coaching...but past personnel decisions which are coming back to haunt him as well. This Sunday the Tommy Maddox-less Steelers come to town. The Dolphins lost DT Larry Chester for the season due to an ACL tear but bring back Tim Bowens...will he be able to help stop the bleeding on defense? Can he help Zach and Jason park the Bus and fold the Duce? Can the D disrupt rookie QB Ben Rothlisberger?....And on offense?...well, ANY improvement would positive.
If the Dolphins fall to 0-3, with the Jets and Patriots on the horizon, 0-5 is a serious possibility. Expect the Dave to circle the wagons and pull out a squeaker by beating Pittsburgh by 3. If the Dolphins fall, the death watch for this coaching staff will really take off and candidates for the head coaching job can start preparing their resumes.
Analyst: Chris Dellapietra
The wheels are about to come off the cart in Buffalo over the next month. Why? Because the Bills are 0-2? No. In fact the particulars of last game are the least of the Bills franchise worries at the moment.
The reason why things are getting precarious in Buffalo is due to numerous team dynamics. First, the front office and coaching staff both promised to have this team competitive for the playoffs this season with at minimum a winning season forthcoming. Clearly this does not appear as if it will unfold as such this season at this point in time. The Bills are 0-2 at this point and considering the circumstances surrounding the two games that they have played, those two losses were clearly among the winnable games that were necessary to actually win if such high hopes were to come to pass. At present the Bills appear to be more a team fortunate to achieve their last season's mark of 6-10 than a winning team. Any wins during the Donahoe-Bledsoe era figure to once again come as a result of playing weak opponents, the hallmark of this era.
The second thing is the play of Drew Bledsoe. At the beginning of the season new quarterbacks coach Sam Wyche insisted that Drew Bledsoe was in the company of Joe Montana and Boomer Esiason skill and talent wise. Those statements were supported by new head coach Mike Mularkey and new offensive coordinator Tom Clements. With that statement however come some extremely large expectations which have done anything but come close to being met.
Given that it was the coaching staff making them, they have unintentionally placed themselves into a predicament of sorts. Bledsoe clearly has done nothing to support their promises much less their suggestions. Barring the ability of Wyche, Mularkey, and Clements to turn Bledsoe into something he's never been, let alone Montana-like, they will have heaped upon themselves scrutiny that was unnecessary. But they will have also already proven to Bills fans and NFL fans, that either their assessments of Bledsoe were drastically off or that their abilities to correct him were drastically off. Either way, it's a lose-lose situation. Needless to say that this is no way for a new coaching staff to start off a new campaign as head coaches and it figures to create a serious uphill battle for them and one that they don't need with fans and media now comparing them to the Williams/Gilbride leadership that was just booted out of Buffalo due to incompetence.
Third, the reason that this entire thing has unfolded the way it has this season, waxing more strategic, is because GM Tom Donahoe insisted that the woes of the team over the past two seasons during the Bledsoe era had essentially little to do with Bledsoe, but more a less than adequate offensive line and a lack of receivers, particularly those of the speed variety. Donahoe's approach as a result was to once again ignore the line for the second straight season, place the entirety of the line woes into the coaching category prior to hiring Jim McNally, one of the best line coaches in the game, and to draft a "speed receiver" with the Bills first round 13th overall pick in the draft.
The problem with that approach is the same problem that the coaches now face. The premises for it were incorrect. Bledsoe is much more the issue than Donahoe sold the fans and media on. So too was the offensive line beyond a simple coaching-only correction. So now Tom Donahoe, along with being 17-33 since his hire as GM four years ago, now has credibility and confidence perceptions, justifiable ones, to deal with. Those things all added up have placed Tom Donahoe on a downward spiral and one that, barring a very significant improvement over the rest of the season, would make it all but impossible to retain him into his fifth and last year of his contract.
The fourth problem is that there are already rumors about defensive players expressing dissatisfaction about the offense and in particular Bledsoe. This would not be a good sign at all. Given why this is occurring coupled with the lack of options in correcting it, this type of issue is usually a harbinger of things about to go awry. Even if the rumors are not true at this point, to envision them as coming to pass in the future certainly is no reach. Such issues can destroy a team's unity which is the last thing that the Bills would need and likely the only missing ingredient to an abysmal season much worse than last year's and a situation which would likely thrust the Bills into the role that the Bengals have played for a decade now and until recently.
The problem in Buffalo in attempting to deal with all of this is that the Bills have had actually no "plan B" for either Bledsoe or the offensive line. At present, five of the Bills nine linemen on the 53-man roster are former (or recent) 7th round draft picks or undrafted free agents. The other four are a completely and utterly underachieving 1st rounder Mike Williams, above average but not stellar 3rd rounder Jonas Jennings who has perennial injury concerns, Trey Teague an average but durable center, and Chris Villarrial at 31 who played through seven nagging injuries last season and once again has shown injury concerns again this season with two injuries already this season.
There is no depth at all let alone a viable fifth starter. At QB, I am of the opinion that "power hungry manager" Donahoe did not want a proven veteran on the roster so as not to seriously challenge his pet project Drew Bledsoe in any real sense. If true, then he has done well. Travis Brown was not that backup and he was placed on IR regardless. Losman is out and as a rookie was also not that player. Shane Matthews is also not that QB. So while if my speculation is true, Donahoe may have succeeded in his personal strategy, it certainly has left the team with its pants down around its ankles. Jeff Blake or Jeff Garcia would have been very nice viable options with no future value due to their ages. But Tom Donahoe seems to kick conventional wisdom in the groin with every opportunity and smile smugly while doing so.
The bottom line is this is where the Bills currently stand. They have a GM who quite frankly should be on the outs but regardless, one with no credibility any longer. They have coaches who drank the kool-aid brewed by Donahoe and hitched their wagon to him and to Bledsoe and a woeful line insisting that there were no issues while ignoring reality, and who now also have serious credibility issues of their own making as a result. They have a team which is on the brink of chaos and infighting, and understandably so, in the lockerroom. Lastly, they have a QB on the outs and who should have been released scot-free during the offseason freeing up $8 million for offensive line signings, but who instead was resigned increasing the minimal cap hit by nearly another million dollars and pushing over $4 million of cap money into next season when the team will need it the most now given their absence of a first round selection in next year's tackle-rich draft.
But the kicker to all of this is that other than what the coaches may or may not be able to do, there are precious few options due to mismanagement of this team. When your head coach states that "our best chances of winning are with Bledsoe at QB" and when he bases that on the alternatives, things are not looking good!
They will have an additional week to figure this all out and to have a "second home opener" vs. the Patriots who are also on a bye week. It will be interesting to see what happens within the team during this stretch. But there are no player options for Bledsoe or the line. So the hand that the coaches and Donahoe have dealt themselves is the one that they'll have to stand on.
As I stated prior to the season starting, any injuries on the offensive line and this situation goes from the frying pan into the fire. Surely hosting the Patriots will not be any help either in week four. It will give fans a good look at what this staff is truly capable of however. But recent history suggests that this next game will end up a severe loss on both sides of the ball. The Bills were unable to shut down decent offenses last season in spite of their inflated defensive rankings. New England with Dillon now brings one of the best offenses in the game to the Bills. Other than in the home opener last season for which the Pats were flat, in the other three games played vs. the Bills over the past two seasons, they have averaged 32 points. If that happens, and I'm penclin' in the Pats for 34, then that should be the point at which the wheels come off the cart.
The Patriots will not show up to this game the way they did for the Bills home/season opener last year with looks on their faces as if their preference was to simply get back on the bus and go back to the airport. No, they'll come looking for their league record tying 18th straight win. The Bills will not be the team to halt that streak. If it is halted, it will be halted at setting a new record by Miami in week five. Yet even that seems equally unlikely.
The one thing that this game will showcase is a complete and utter difference in management styles. Belichick and Pioli vs. Donahoe. There is absolutely no mistaking who has done the better job with these two sets of management on opposite ends of the spectrum. The Pats management must still be having a good chuckle over the "steal" that we got in Drew Bledsoe who was a two-fold whammy for them not only taking our draft picks, but also rendering us less competitive in games vs. decent teams of which they are among. Belichick's mentor, Bill Parcells, has also recently come to the table to take advantage of Tom Donahoe. Please Ralph, after this season, please stop the pain and bleeding!
For further details on the Bills, Bledsoe, or other things impacting the Bills, view my other pieces at BillsReport.com.
Analyst: Mark Weiler; mweiler.billsreport@cox..net


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Product Information
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September 11, 2015 by Leave a Comment
Announcing the winners of the 5th Asia Insurance Technology Awards
Celent and Asia Insurance Review hosted the 5th Asia Insurance Technology Awards (AITAs) at AIR's CIO Technology Summit at Le Meridien Hotel Jakarta on 1 September 2015. The AITAs recognize excellence and innovation in the use of technology within the insurance industry. This year we received over 30 nominations from Australia, Hong Kong, Taiwan, India, Sri Lanka, Indonesia, and Pakistan; as well as the Asia Pacific divisions of global insurers. There were many impressive submissions, from which our international panel of Celent insurance analysts selected the very best to receive the six awards. The Innovation Award recognizes innovation in business models or in the use of technology. The winner was MetLife Asia. MetLife Asia implemented Advanced Data Analytics to transform big data into customer insights and to deliver a more personalized customer experience – delivering the right products and services, for the right people, at the right time. They are using these insights to inform product and services development, and to deliver sales leads to agents. The company won the award because of the innovative usage of data analytics. The IT Leadership Award honors an individual who has displayed clear vision and leadership in the delivery of technology to the business. The recipient will have been responsible for deriving genuine value from technology and has demonstrated this trait with a specific project or through ongoing leadership. The winner was Girish Nayak, Chief – Customer Service, Operations and Technology at ICICI Lombard General Insurance. ICICI Lombard implemented a business assurance project to address the ever present gap between real business uptime on the ground vs technology uptime. The firm implemented an in-house customer experience center; and deployed an infrastructure as a service model in Microsoft Azure Cloud. These initiatives generate genuine value for the business. The Digital Transformation Award honors an insurer who has made the most progress in implementing digitization initiatives. BOCG Life was the winner. BOCG Life implemented the Electronic Commerce System to provide online needs analysis and policy services. Through a transparent, direct and needs-oriented process, it facilitates prospective customers applying for multiple products they need in one go, and allows customer to adjust the offer according to their budget. The company won the award because of the way it is building trust and developing long-term relationships with customers through digital transformation. The Best Newcomer Award recognizes the best new player in the insurance technology field. The winner was CAMS Insurance Repository Services. CAMS Insurance Repository Services launched the Insurance Repository to provide e- Insurance Accounts to maintain policies as e-policies. This brings new efficiencies and benefits across the stakeholders, including Policy Holders, Insurers, Agents and the Regulator. The company won the award because they demonstrated real, unique value to the ecosystem. The award for Best Insurer: Technology honors the insurer who has made the most progress in embracing technology across the organization. The winner was RAC Insurance. RAC Insurance implemented a series of projects to digitize the business between suppliers, members and RAC Insurance. These projects include Claims Allocation, Motor Repairer Integration, and a B2C platform. The company won the award because of the way technology transformed the organization's capability by offering an exceptional, one-touch experience for their members through online channels. Finally, the New Business Model Leveraging Mobile Applications Award recognizes the insurer who has developed a new, perhaps disruptive business model involving the innovative use of mobile technology. Max Life Insurance won the award. Max Life Insurance launched mServicing and mApp which enable digital servicing of customers, sales force and operations. The company won the award because of the use of mobile technologies to increase agent activity and engagement, enable speedy issuance of policies, and enhance business quality and operational efficiency. Be on the lookout for the 6th Asia Insurance Technology Awards in 2016. We'll post another blog when the nomination period opens, sometime around June 2016. You can also find information on Celent's website: http://www.celent.com/aita.
August 28, 2015 by Leave a Comment
An invite to London and nothing to wear
There are lots of cues and clues to differing cultures across the insurance industry and it's IT neighbour – one of the most obvious is dress code or at least communal agreement on how one should dress. For a chap in London it should be relatively easy, as the character Harry Hart put it in the film Kingsman, "The suit is the modern gentleman's armour." However, recent changes and external influences in London have left me in something of a wardrobe quandary. For example – the data scientist community and the digital community. I went to the first Strata event in London in my usual suit and tie and swiftly realised that I looked like I a fish very much out of water. Here jeans, t-shirts and the odd tattoo were the order of the day. My most recent visit to the conference I managed to correct my attire although didn't acquire new tattoos just for the conference (perhaps next year). Oliver Werneyer's observation at our event in February this year that one needs a good beard to fit in with the start up crowd is also well founded. Also in London we have Lloyd's of London with a strict dress code and a requirement for a tie to be worn at all times. More Kingsman territory, clearly one can't dress for both communities on the same day. In between we have an increasingly relaxed view of the suit attire or even simply trousers and shirt. Despite having a pretty good collection of ties these are now largely optional (although I still generally carry one around as wearing them varies by client and frankly I quite like wearing a tie to a meeting). What I don't have of course is a pocket square – something I rarely have seen adopted before this year (perhaps I wasn't paying attention) but I'm increasingly seeing a square used to add a splash of colour in the absence of a tie. Thus, we have the title of this post – I have nothing to wear! Fortunately, London is unlikely to see the weather required for hawaiian shirts and shorts to become the order of the day (albeit I may have something that might fit that bill should it come to pass). Circling back to culture though, the need to blend these clearly different and shifting cultures together in one organisation is crucial in a modern insurer. Aviva has gone to the extent of creating a digital garage in Shoreditch – the heart of the jeans wearing community, if I may use such a broad brush – to draw in talent to the organisation. Hiscox too has been going to great pains to attract the right talent, along with many other insurers in London seeking to bridge these cultures. Are you allowing for a varied culture in your organisation? How flexible are you in dress code and working practices across different communities? Have you ever set to preparing for a meeting and realised you simply have nothing to wear? Would love to hear your stories on changing insurance, if only so I know it's not just me.
July 1, 2015 by 1 Comment
Ace buys Chubb: what it means for insurance technology
Today's blockbuster announcement of Ace buying Chubb will have a lot of industry ramifications—some of which will play out in the IT sphere. No doubt there has already been an IT assessment element in each insurer's due diligence efforts. Between now and the effective date of the merger, there will be a lot of planning focused on:
- Efficiencies and platform rationalization–aka "let's figure out what is the right number of core systems, which core systems will be the survivors, and how data conversion and integration will work"
- Cloud, SaaS, data management/stores, and analytics
- Professional service and SI support capabilities that can scale to the new Chubb
- Which systems will best support a digital roadmap
- Design highly configurable and agile systems that feature ease of integration
- Have enough scale to meet the needs of bigger and bigger insurer customers—grow, merge, or wither
June 26, 2015 by Leave a Comment
Open source, analytics and the pace of change
I love spotting ironies such as how this years Strata | Hadoop World conference (the UK one) spent more time discussing Apache Spark and whether it was a successor to Hadoop or another tool in the box than it did discussing Hadoop and it's applications. It was great to see members of the insurance industry there amongst the retailers and banks as well. "But wait?!?!!" I hear you say, "Hadoop isn't all that old is it?" Herein lies the great challenge for the CIO faced with requests for open source tools. These are dynamic, social projects without the same stickiness as those legacy systems insurers spend time worrying about. Not only do users / consumers / fans of open source software shift between projects but the contributers / developers do too. With the rising use of tools like R, Python, Linux, GIT, Hadoop, Spark, Docker, Capistrano and all manner of wacky projects on the go and being adopted by insurers how should a CIO respond? Prohibition tends to lead to shadow IT and surprises down the line far more unwelcome than managing some new software. The key advice is to understand these types of projects can be more transient than other enterprise software. Experiment with them but be careful of expensive, enterprise installations that are hard to extract later down the line. In truth insurer adoption of some of these technologies will outlive the fashion for them but it still requires planning for their removal or worst case, their ongoing support. I promised analytics in the title too didn't I? Well Spark is all about real time analytics and is having an interesting impact in the machine learning and predictive modelling space. It gets around some of the issues with interacting with Hadoop while still delivering performance. With open source projects survival of the fittest is the order of the day, far more so than in classic insurance software markets. Hadoop has it's place, with many insurers globally investing in it.We will see new fashions in analytics approaches and more opensource tools I'm sure. Some will follow the Dodo. For those interested in Hadoop have a look at my report from 2011, when Hadoop was new and cutting edge. It seems it requires an update.
May 21, 2015 by 3 Comments
The rise and fall (and rise) of Artificial Intelligence
Artificial intelligence has been around nearly as long as humans have been able to think about themselves, about thought and what they do. Empathy is wired into us – some more than others but we are all capable of thinking from another's point of view. This capacity leads us to anthropomorphize things that aren't human, to imbue things in our daily lives with human qualities like moods, characteristics and personality. When we build puppets, robots, models that look sort of human it is easy to for us to assign it with greater power, ability and promise than is really there. For marketers in other fields, to have consumers attribute their products with 'magical' properties would be a dream come true but for artificial intelligence it is a nightmare – one the industry has expended funds marketing against. Artificial intelligence has delivered many great tools which today we take for granted. Our phones listen to us and understand our requests in the context of our calendar, our camera's recognise faces and social networks tell us who those faces belong to, machines translate words from one language to another (although don't get the translations tattooed just yet) and the list goes on. We chuckle at these mistakes these learning and adaptive systems make, we see the huge strides and investment and we expect a new human like intelligence to emerge in the short term. Around the middle of every decade since the 60's there has been a peak in excitement for AI, a frustration with it's lack of progress, and a reduction of funding or AI winters as they are called. In the eighties it was LISP machines, in the nineties it was expert systems. Now in the twenty-tens (I thought it was teenies but that's a kids show apparently) we are seeing a resurgence of AI, a blending of machine learning, predictive modelling and cognitive computing along with self driving cars. This raises some rare and interesting questions:
- Are we headed for a new AI winter?
- Or an AI apocalypse?
- Also, will I still be cleaning my home in 2020?
March 19, 2014 by Leave a Comment
A Recipe for Digital Innovation
At each of the five Celent Innovation Roundtables held in the last several months, innovation practitioners consistently identify culture change as a significant success factor. A particular challenge, poor communication between technologists and their business partners, is often cited as a barrier. The Second Machine Age by MIT professors Erik Brynjolfsson @erikbryn and Andrew McAfee @amcafee offers some help. Their explanation of digital innovation made a big impression on me as the clearest description that I have found so far. The approach is simple: "digital information….is built on multiple layers". It is a "recipe" of different automation solutions mixed together. That is, look at a list of digital technologies, pick a few and combine them in unique ways so that they work together, and deliver new value. This description led me to revisit some Celent insurance innovation case studies and rethink how to best explain them. The first, the AXA claims example (Visualizing the London Riots at AXA UK, http://www.celent.com/reports/visualising-london-riots-axa-uk), outlined how the insurer combined data from public police records, media reports, and their internal systems to predict which of their insureds might suffer a loss during the multi-day rioting in the U.K. in 2011. AXA "layered" successive sources of digital data, then added some analytic algorithms to produce a new and valuable tool designed to proactively identify at-risk insureds (mainly small businesses that were exposed to looting). All of these technologies existed on their own, in isolation, until they were combined to yield new insights which helped avoid losses. The second study is from Tokio Marine & Nichido Fire Insurance Co., Ltd. They were recognized as a Celent Model Insurer for their One Time Insurance product (Model Insurer 2012: Case Studies of Effective Technology Use in Insurance http://www.celent.com/reports/model-insurer-2012-case-studies-effective-technology-use-insurance). They combined geo-location, text messaging, and data prefill services to deliver real-time insurance offers to subscribers. As a prospect drives to the airport, their mobile phone receives a text from the insurer with an offer for travel insurance. Similarly, texts are sent as golfers arrive for their tee times, skiers approach the lifts, etc. It is the combination, or layering, of these technologies in a unique manner that creates the innovative service. The value of this explanation is not only academic. Layering strikes me as a useful tool to explain how all of this "digital stuff" can fit together. The recipe and layering metaphors succinctly describe digital in non-technical, accessible terms. It can be used with any audience to illustrate how the sum of the parts can be greater than the whole. I also see value in using layering to generate new ideas. My thought is that, in an interactive session, a group of participants can create a list of technologies, data sources, etc. and then brainstorm different combinations from them. Our continuing research illustrates that there is no one prescription for innovation, but there are guideposts to follow. The use of the layering metaphor to improve communication and as a technique for brainstorming is one such guide.
February 21, 2014 by Leave a Comment
Customer segmentation, fad or future?
Traditionally insurers have been structured by line of business and some have grouped those around personal lines and commercial lines to differentiate businesses from people. With the opportunities of varied distribution channels and more sophisticated technologies insurers are starting to be much more granular in their view of the customers. Insurers have now the chance to move from their traditional top notch markets and be able to create an offering to attract the different segments. Some of these moves include Microinsurance targeting people in the base of the pyramid and Small and Medium Business (SMB) insurance products. Microinsurance products are being launched almost every month in different parts of Latin America. Most recently it was announced that Asomi and Redcamif will be launching an initiative in El Salvador with life insurance policies written by Pan American Life Insurance Group (Palig) with premiums as low as $0,68 per month. Some brokers, large ones, are moving into the SMB market but using its affinity platforms instead of their commercial platforms to support this business. While originally SMB should have fallen into commercial, they realize that it requires processes and the agility expected also in their affinity business. In another interesting move, Metlife Mexico announced yesterday the creation of a new division that will sell to socio economic segments C and D and to young people, those that are not the usual target of insurers. According to the classifications developed by AMAI, a Mexican association, the country's population is divided into five segments: AB (people with high purchasing power and income), C+ (people with higher-than-average incomes, whose families are headed by someone with a college degree and have at least two cars), C (people with middle incomes, whose families are headed by someone with a high school degree and have both a car and the ability to take one trip per year), D+ (people with incomes slightly below average, some secondary education and no family vehicle), D (people with low income levels and a fairly austere way of existence, who have a primary school education and who lack access to traditional banking services). Metlife Mexico will be offering simple and flexible products while also developing better distribution channels, with emphasis in the use of technology. Software vendors are coming in also to provide solutions towards being more granular. Solutions around analytics to better understand your customer, digital to better serve them and master the points of contact, core processing and BPM to adjust your products and processes accordingly, just to mention a few. Last year Guidewire presented its vision on how a core system will be able to support customer segmentation already delivering some required functionality. Core systems are just another gear in the engine and it's important that vendors acknowledge how they need to integrate into other solutions for the insurer to be able to deliver a customer segmented value proposition. While I believe customer segmentation is where the industry needs to go, it is not without huge challenges. Insurers need to address the differences and purchase attitudes of those different segments. Omni-channel is one of the aspects, but also dealing with channel conflicts and regulation. Products need to be tailored in a way that can be flexible but capable of scaling massively, and this means looking into pricing, packaging, marketing, distribution and servicing. Processes need to be adjusted in order to provide the correct value to each segment. At the end of the day you don't want to be perceived as under-performing and not providing the required value, but neither you want to over deliver if this means excess of cost and important cuts in your margins. My final thoughts for you. How will your structure look as you move into serving segments? How will this affect reporting and statistics by the way, which today is seen by line of business (even by regulators)? Are you ready? Are we ready?
January 1, 2013 by 1 Comment
New Year, New Tools to Service Insurance Customers
For those interested in how new data techniques and availability are changing business models, I can recommend the article Smarter Information, Smarter Consumers in the latest edition of Harvard Business Review. http://hbr.org/2013/01/smarter-information-smarter-consumers/ar/1 The central premise is that legislation in the U.S. and U.K. now requires government agencies to make public data available and consumable in electronic form. This enables new techniques that leverage this information and provides increased value by making the purchasing process more intelligent. The authors offer their concept of "Choice Engines" – on line tools that guide consumers to make better purchasing decisions more efficiently using public information. At some point in the future, they also predict that private data will be added to the mix and allow the engines to work at a personal, individual level. Most of the use cases are consumer product-oriented, but as this blog has described previously, customer service expectations in other industries will influence insurance purchasing. The person who benefits because their cell phone company suggests ways to lower her bill (the authors' example) will also want the same service from her insurance agent/company. Consumers and businesses will expect to be contacted by their agent/insurer when their risk profile changes. For example, if an addition is added to a house, insureds will expect that their insurance will be monitoring building permits and will want to be contacted proactively so their insurance can be adjusted appropriately. Two questions specifically related to insurance deal with timing and distribution models. Which insurance company will be the first to employ a choice engine for its insureds and prospects? Can an insurer with a mediocre data infrastructure and skill base compete with those which invest early and heavily in data techniques? Will independent agents embrace choice engines as an enabler, or reject them as a threat to their value proposition? Would an insurer be willing to offer such a tool to a distribution force that they don't control? There is no question that managing risk will move from a point-in-time (usually renewal) event to a more continuous process. What is to be seen is which company changes the insurance purchasing model and transforms the buying process by using a tool like a choice engine.


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Anesthesiologist (pain control)
22 years of experience
22 years of experience
Kenosha Central Business District
6308 8th Ave
Kenosha, WI 53143 Phone number & directions
6308 8th Ave
Kenosha, WI 53143 Phone number & directions
License & Identifications
A medical license is required for a doctor to practice medicine in a particular state. Requirements vary by state but most require, at a minimum, post-graduate training in the doctor's specific specialty. An NPI number is a national identifier unique to an individual health care provider and is managed by the Center for Medicare & Medicaid Services (CMS).
Learn more about Dr. Bradley Haugstad:
View the full profile to get information on:
- Qualifications
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Patient Reviews
Patient comments (1)
The overall average patient rating of Dr. Bradley Haugstad is Excellent.
Specialties & Research
Dr. Bradley Haugstad, MD is board certified in Anesthesiology.
Education & Awards
Dr. Haugstad graduated from University of Iowa, Iowa City.
Dr. Haugstad has 2 hospital affiliations:
- United Hospital System Kenosha Medical Center
- United Hospital System-Kenosha Med Center
Home > Find an Anesthesiologist > WI > Kenosha Anesthesiologists > Dr. Bradley Haugstad, MD
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- Additional Information
- Dr. Bradley N Haugstad MD is a male Anesthesiologist, has 22 years of experience and practices in Anesthesiology.
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- Dr. Bradley Haugstad has 1 office location.
Dr. Bradley Haugstad practices Anesthesiology near Kenosha, WI.
See Kenosha Anesthesiologists.


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Brentwood Inn & Suites
5020 North Lovington Highway, Hobbs, NM 88240, United States of America – Show map
|Room Type
|King Room - Non-Smoking
|Queen Room with Two Queen Beds - Non-Smoking
|King Suite
5 Reasons to Choose Brentwood Inn & Suites
Low rates
19 properties in Hobbs
Manage your bookings online
Booking is safe
Facilities of Brentwood Inn & Suites
Pets are not allowed.
- Indoor Pool (all year)
- Hot Tub/Jacuzzi
- Fitness Center
Free! WiFi is available in all areas and is free of charge.
Free! Wired internet is available in the hotel rooms and is free of charge.
Free! Free public parking is available on site (reservation is needed).
- Daily Housekeeping
- Vending Machine (snacks)
- Vending Machine (drinks)
- Baggage Storage
- Fax/Photocopying
- Business Center
- 24-Hour Front Desk
- Meeting/Banquet Facilities
- Room Service
- Air Conditioning
- All Spaces Non-Smoking (public and private)
- Hypoallergenic room available
- Heating
- Family Rooms
- Non-smoking Rooms
- Newspapers
Area Info – Show map
Babe`s Bar & Grill (0.1 miles), Denny`s (0.3 miles)
Walmart (1 miles)
From 2:00 PM
Until 11:00 AM
Cancellation and prepayment policies vary according to room type. Please enter the dates of your stay and check what conditions apply to your preferred room.
Children and Extra Beds
All children are welcome.
All children under 14 years stay free of charge when using existing beds.
Any additional older children or adults are charged USD 10 per person per night when using existing beds.
One older child or adult is charged USD 10 per night in an extra bed.
One child under 4 years is charged USD 10 per night in a crib.
The maximum number of extra beds/cribs in a room is 1.
Any type of extra bed or crib is upon request and needs to be confirmed by management.
Additional fees are not calculated automatically in the total cost and will have to be paid for separately during your stay.
Pets are not allowed.
Cards accepted at this property
Hover over the cards for more info.
Or, take a look at these appealing alternatives:
- Country Inn & Suites Hobbs has a location score of 8.8
- Value Place Hobbs has a review score of 8.7
Guests are required to show a photo ID and credit card upon check-in. Please note that all Special Requests are subject to availability and additional charges may apply.


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Bank of Commerce and Trust Company in Mermentau robbed at gunpoint
Mon, 03/08/2010 - 12:03pm
According to reports from the Acadia Parish Sheriff Department, The Bank of Commerce and Trust Company, located on 7th Street in Mermentau, was robbed at gunpoint.
Authorities are currently searching for two black male suspects last seen headed towards Jennings. The suspects are believed to be riding on a grey and yellow dirt bike.
The Crowley Post Signal will update you as information becomes available.