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Green bond market: It's not easy being green
Banks seem keen to be green. The number backing the Green Bond Principles has doubled in a few months. The principles, drafted by a committee comprising Bank of America Merrill Lynch, Citigroup, Crédit Agricole Corporate and Investment Bank and JP Morgan Chase, were announced in January with the backing of nine other banks. This month another 12 declared their support.
There is one problem, though: the principles do not define greenness, but give guidelines for issuance. Offering guidelines for issuing green bonds without defining what they are begs the question of what exactly is "green" and how rigorously definitions should be policed. That question is only likely to become more important as the market grows and diversifies.
Last year there was $11 billion in issuance, as much as in all previous years combined, according to Dealogic. Issuance in 2014 to date has already totalled $10 billion.
Green structures
The market has been dominated by supranationals like the World Bank and the European Investment Bank, issuing plain vanilla bonds. But new structures are coming to market (see right) and corporates have begun to issue, some in considerable size.
They are also diversifying their use of funds. French utility EDF's €1.4 billion inaugural green bond, launched in November and earmarked for green energy projects, was easy for investors to understand. Consumer goods group Unilever's £250 million green bond in March was more complicated. The proceeds will fund new factories and expansions, designed to halve waste, water usage and greenhouse gas emissions. Unilever has asked DNV GL, the Norwegian certification organisation, to vet these more complex metrics annually.
The voluntary Green Bond Principles support the certification of green bonds against "fully developed and vetted" standards, though it does not go so far as to propose a single global standard. Until now, issuers have been well-known, trusted names, but as they proliferate, investors may want independent assurance that green means green.
Different organisations have developed their own definitions of what constitutes, say, green transport, waste management or land use. Development banks have evolved internal rules to guide their own green lending. Some issuers seek approvals, or "second opinions", from third-party agencies like Cicero (the Center for International Climate and Environmental Research in Oslo) and Vigeo, the French environmental, social and governance assessment firm. The Climate Bonds Initiative, a lobby group, has been drawing up its own detailed green taxonomy, the Climate Bonds Standard.
Consultants, as well as investors, exhibit differing shades of green. For some, retrofitting pollution-reduction technology at coal-fired power plants is green. For Cicero and the Climate Bonds Initiative, it is not.
Many environmental lobby groups classify nuclear power, although the generation process is carbon-free, as un-green. Yet EDF, seen as essentially a nuclear company, was able to issue the largest-ever green bond, with 55% of demand coming from socially responsible investment funds.
Is a single certification and monitoring authority desirable, or even possible? The World Bank thinks that guidelines are useful but that they should not be too stringent and that it is ultimately up to investors to decide.
Single standard
The Climate Bonds Initiative wants a single standard, but accepts that it would be difficult to impose this early on. Its chief executive, Sean Kidney, said: "At this stage, issuers just need to be clear which definition they are using. They need to reference something that people can understand and check."
The Green Bond Principles stipulate that, to qualify, bond proceeds must be exclusively applied towards new and existing green projects, via specified use of proceeds, direct project exposure or securitisation. No champion of the market wants to see a green bond being "downgraded" – losing its status because the money was spent on something less than green.
"It could happen in theory," admits Ulrik Ross, HSBC's global head of public sector DCM and the bank's green bond product sponsor. "It would certainly be bad for the market, since its integrity rests on the fact that proceeds are used for the right purpose, though the issuer itself would suffer most in terms of investor confidence."
Investors with tight SRI mandates would have to sell such a bond, incurring losses. Kidney agreed that any downgrade would be bad news. "The market might deflate like a soufflé," he said. "That's another reason to have common standards."
One colour, different shades
Green bond structures, issuer types and currencies are multiplying, and some bankers forecast expansion into all segments of the fixed-income market.
Toyota Financial Services issued the motor industry's first-ever asset-backed green bond in March. The deal, which reportedly began as a $775 million transaction, attracted enough interest to be upsized to $1.75 billion. While it is backed by a conventional mix of auto loans, Toyota has ring-fenced the proceeds to fund new retail finance and lease contracts for "green" hybrid and low-emission vehicles.
A different kind of ABS deal was engineered by Hannon Armstrong, a US-listed sustainable infrastructure investor. It grouped together the cashflows from more than 100 wind, solar and energy-efficiency installations to create a $100 million securitisation, with a 2.79% coupon. This first "sustainable yield bond", as it called it, was privately placed but the firm is planning more.
This addresses the problem of issuance that would otherwise be too small and illiquid for the bond market. Sean Kidney of the Climate Bonds Initiative predicted: "Aggregation will be a growth area in 2014 and 2015." He added: "The mixed portfolio will be critical, because there is probably not enough dealflow in one single silo."
The World Bank recently issued its first Kangaroo green bond, for A$300 million ($278 million). City and regional bonds are set to grow – Sweden's Gothenburg sold a Skr500 million ($76 million) green bond in September, and other cities such as Johannesburg are expected to follow.
Vince Purton, head of debt capital markets at Daiwa Capital Markets said: "All areas of the conventional market could have 'green bond' nomenclature."
He added: "There will be a huge variety and diversity of green bonds going forward."
This article was first published in the print edition of Financial News dated April 28, 2014


text: Unless you're hopping on your motorcycle with a full-on waterproof textile suit, you're going to need some motorcycle rain gear to keep your body protected from the elements. Whether you're looking for a one or two-piece rain suit, RevZilla has all your motorcycle rain gear needs covered. All of the rain gear apparel listed below is designed to fit over your motorcycle attire, so you can be rocking your favorite gear before the rain starts and simply zip these garments right over top. Or if you're going out on an adventure touring ride in some unfavorable conditions, all of this rain gear is sure to keep you warm and dry.

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Natalie's 6 and a half months now and so far she's had bananas twice and a bit of a sweet potatoe. She doesn't quite get the idea yet so I'm not pushing it on her and instead am just focusing on having fun and trying new things with her.
I want to try the baby yogurt with her, but when I checked it out at Wal-Mart tonight the package said that it's made with whole milk. Is it okay to give it to her?


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Mama 'Mia', do we love Vince this season! These slip-on suede flats are timeless and the perfect casual accent to a pair of shorts or straight-leg pants.
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Smithsonian traveling exhibit stops at UMES
PRINCESS ANNE, MD-(Oct. 1, 2012) Journey Stories, a traveling exhibit of the Smithsonian Institutes' Museum on Main Street opens at the University of Maryland Eastern Shore's Mosely Gallery on Oct. 18 with a reception from 4-6 p.m. It remains on display through Nov. 30.
"We're pleased to bring such an outstanding exhibit to the lower Eastern Shore," Cori Beardsley, the new interim director of the Mosely Gallery at UMES, said. Journey Stories uses images, audio and artifacts to tell how our ancestors came to America or pursued a new life in another state or across the continent, she said. "The reasons why they came or why they migrated within the country are as diverse as the individuals themselves. Their stories demonstrate the critical role travel has played in forming American society."
The exhibit covers four centuries of American history and includes accounts of European immigrants traveling in search of promise in a new country; Africans forced into slavery and brought to North America; 'forty-niners' following the California Trail during the Gold Rush; Native Americans traveling the Trail of Tears after the Indian Removal Act of 1830; the harrowing tales of slaves escaping through the Underground Railroad; and families leaving their hometowns in search of employment during the Great Depression.
"The exhibit shows how the development of transportation technology was inspired mainly by the human desire for freedom," Beardsley said.
The Maryland Humanities Council is sponsoring Journey Stories' five-location route in Maryland and assists host museums in developing public programs to supplement the Smithsonian exhibit. At UMES, the Frederick Douglass Library hosts a companion exhibit, "International Voices: Capturing Their Journeys to UMES," from Oct. 18 (opening reception from 2-4 p.m.) to Nov. 30 and a lecture, "The Global Village in the New Millennium," on Nov. 13, at 7 p.m. by Dr. Robert Ginsberg, professor emeritus at Pennsylvania State University with 35-years teaching philosophy and comparative literature. Dr. Psyche Williams-Forson, an associate professor of American Studies at the University of Maryland and author of "Building Houses Out of Chicken Legs: Black Women, Food, and Power," will speak on Nov. 8, at 12:30 in the UMES Student Services Center.
Somerset County, libraries in partnership with UMES, will offer the film screening of "Grapes of Wrath" at the Princess Anne Library on Oct. 9, at 1 p.m. A discussion of the book, which is set in the Great Depression, follows on Oct. 11, at 4 p.m. at the Crisfield Library and Oct. 24, at 2 p.m. at the Princess Anne Library. A book discussion on "The Alchemist," Paulo Coelho's story of a young shepherd on his journey to Egypt, takes place on Nov. 8, at 4 p.m. at the Crisfield Library and Nov. 21, at 2 p.m. at the Princess Anne Library.
Want to add your "Journey Story" to the collection? Smartphone users can download an app, "Stories from Main Street," to record their own story, Beardsley said. The collection includes life in small towns and the American experience and is part of the Smithsonian Institute's oral history archives. Selections will be posted online at www.storiesfrommainstreet.org.
The Mosely Gallery of Art is open Mon.-Fri., from 9 a.m.-5 p.m. Call 410-651-7770 for more information. The Frederick Douglass Library is open Mon.-Fri. from 8 a.m.-5 p.m. Call 410-651-7696. Both have evening and weekend hours by appointment. For Somerset County Public Libraries, call 410-651-0852.
Photo caption: African-American families traveled north during the Great Migration any way they could: on foot, by car, by train, and even by packet boat. A young girl and her family migrate from Florida to New Jersey, 1940.
Gail Stephens, assistant director, UMES Office of Public Relations, 410-651-7580, firstname.lastname@example.com.
Bill Robinson, director, UMES Office of Public Relations, 410-621-2355, firstname.lastname@example.com.


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(For Phase One Fridays I highlight Phase One recipes from the past that have been my personal favorites. I'm crazy about sugar snap peas, and this easy stir-fry is one of my favorite ways to use them in a cooked dish.)
Recently I talked about my profound affection for sugar snap peas, and I decided it might be fun to experiment with them as the starring ingredient in a stir-fried vegetable side dish. Not that I hadn't stir-fried sugar snap peas before, but never like this with them sliced diagonally to reveal the tiny peas inside. I have no idea where I got the idea of slicing the peas for a stir-fry, but I loved these Spicy Stir-Fried Sugar Snap Peas with Soy Sauce, Sesame Oil, and Sriracha. The pods cooked more quickly, and a few tiny peas spilled out, adding visual interest and a lot of sweet pea flavor to the finished dish.
- Preheat the wok (or pan) before you add the oil.
- Season the oil (add slices of fresh garlic cloves and ginger root and stir-fry very briefly, just until they become fragrant.)
- Remember the importance of symmetry of cut (all pieces should be the same size for stir-fry cooking.)
- Have all ingredients cut and sauces mixed before you start to cook.
- Use very high heat and cook fast.
Sriracha sauce to make the finishing sauce.
Spicy Stir-Fried Sugar Snap Peas with Soy Sauce, Sesame Oil, and Sriracha
(Makes 3-4 side dish servings, recipe created by Kalyn)
1 lb. sugar snap peas
2 T soy sauce (can use low-sodium soy sauce if you prefer)
1 tsp. sesame seed oil
1 tsp. Sriracha sauce
2-3 slices fresh ginger root
2 large garlic cloves, sliced
1 T peanut oil
1 tsp. black sesame seeds or sesame seeds for garnish (optional)
South Beach Diet / Low-Carb Diet Suggestions:
Find More Recipes Like This One:
Nutritional Information?
More Ideas from Food Blogs for Cooking Sugar Snap Peas:
(Recipes from other blogs may not always be South Beach Diet friendly; check ingredients.)
Shrimp Stir-Fry with Snow Peas or Sugar Snap Peas from White on Rice Couple
Crunch Chopped Salad with Sugar Snap Peas ~ Kalyn's Kitchen
Sugar Snap Peas with Lemon Butter from A Veggie Venture
Crunchy Napa Cabbage Asian Slaw with Sugar Snap Peas ~ Kalyn's Kitchen
(Want even more recipes? I find these recipes from other blogs using Food Blog Search.)


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Ecotourism Project Embera Indian Tribe Panama
Project was named::Ecotourism Project Embera Indian Tribe Panama{{#if:Panama|
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|See Appropriate technology information on Ecotourism Project Embera Indian Tribe Panama at:Ecotourism Project Embera Indian Tribe Panama at Appropedia.
Info about the Project was named::Ecotourism Project Embera Indian Tribe Panama {{#if:Panama||}} {{#if:|[[category:{{{country2}}}_projects]]|}} {{#if:2008||}} {{#if:2008||}} {{#if:|[[category:{{{site}}}]]|}} {{#if:|[[category:{{{site2}}}]]|}} {{#if:|[[category:{{{site3}}}]]|}} {{#if:|[[category:{{{site4}}}]]|}} {{#if:|[[category:{{{affiliateorganization}}}]]|}} {{#if:PCPP||}} {{#if:|[[category:{{{projectsector}}}]]|}} {{#if:|[[category:{{{projectsector2}}}]]|}} {{#if:Georgia||}} {{#if:Georgia||}} {{#if:|[[category:{{{uscity}}}]]|}} {{#if:||}} {{#if:||}} {{#if:Rockoff||}}
In the heart of a nationally protected Panamanian rain forest lives a kind-hearted Embera Indian Tribe. Originally, when the inhabitants of this community migrated to this land decades ago, they lived off the land by farming and hunting. However, when the national government declared the area a protected park in 1994, the members of this community were forced to seek alternative means of survival. Thus, in attempts to generate income while preserving their culture as well as the environment, the villagers turned to Tourism as their primary source of income.
Throughout the past decade and a half, the community has created a beautiful tourist experience for visitors to learn about their local customs of the Embera Indian culture. Furthermore, the village has established relationships with tourism agencies. However, the level of income in the community remains insufficient for maintaining a quality of life above the poverty level. Although many tourists visit the community, the amount of income that trickles to each member of the community can be only cents a day.
Thus, in order to enhance their primary form of income, the community desires to launch a 3-step marketing campaign to generate more revenues. First, the community seeks to improve the tourist experience by building an informative Embera garden that displays the medicinal plants, plants used to make handicrafts, and a pathway throughout the community. Secondly, they will create business cards and brochures to promote the rich ethno / eco-tourism that the community offers. Thirdly, they will create a fair pricing schedule for services offered, and negotiate sales contracts with current tourism operators while also campaigning for new tourism agency contacts.
Committed to the success of this project, the community will contribute over 50% of the needed project funds.


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Treasury Secretary Timothy F. Geithner issued new guidelines yesterday aimed at eliminating the influence of lobbyists on the $700 billion financial bailout program by restricting their contact with officials who are reviewing applications for money and deciding how to disburse it.
Treasury officials also will seek to limit political influence over the funds, saying they will use similar restrictions that forbid such influence in tax matters as a model. The department's Office of Financial Stability will be required to certify to Congress that each government investment is based solely on objective criteria. As part of that effort, only banks recommended by their primary regulator will be eligible for capital investments.
"American taxpayers deserve to know that their money is spent in the most effective way to stabilize the financial system," Geithner said in a statement yesterday. "Today's actions reaffirm our commitment toward that goal."


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LAURIER GPA Calculator
The GPA calculator is for personal and informational purposes only. The calculations are unofficial. Your official GPA and academic record is available on LORIS.
Use the calculator to determine:
- How the grades you have earned or attempted in a term will affect your cumulative GPA
- The grades you will need to meet your program's progression and graduation requirements
The GPA calculator can be used in two ways:
- Start from your EXISTING GPA, which is available on LORIS. Enter the number of credits* you have earned or attempted to date and your cumulative GPA.
- Enter current and anticipated courses and actual or anticipated grades. Use one line for each.
You must include both failed and successful course attempts.
Note: If you have failed a course and repeated it or are repeating it, use ONLY the grade achieved in the second attempt in your calculation. Do NOT include both the first attempt and the second attempt grades in your calculation.
If you wish to determine how much of an improvement you will see if you repeat a course that you have failed:
- Complete the GPA calculation including the grade of F
- Do the calculation a second time, replacing the original grade of F with the grade you are working toward in your second attempt of the course. Then hit "Calculate" again.
* Credit
A measure indicating the relative weight assigned a particular course. A credit can be obtained in a number of ways, for example, by successfully completing a 1.0-credit course, two half (0.5) credit courses or four quarter (0.25) credit courses.
The LAURIER GPA Calculator has been adapted from a model developed by University of Toronto at Scarborough.


text:
The purpose of college financial aid is to help every qualified student pay the growing cost of a higher education. The time needed to process a financial aid application is lengthy and experts recommend that students apply at the college or university of their choice even before they actually know whether or not they have received acceptance at that school.
Scholarships in general, are awarded for academic accomplishment and of financial need. Students may also receive a specialized recruitment scholarship based on athletic, musical, or other special skills. College financial aid office and admissions personnel will determine a student's eligibility for these scholarships. Some students may qualify for several scholarships. The best scholarships to receive are multi-year awards. Multi-year scholarships are guaranteed for more than one school year as long as the student remains in good academic standing. Some multi-year scholarships can be guaranteed for a student's entire college career.
Although most scholarships and grants are awarded by college financial aid officers, there are other types of scholarships and grants available to students. In seeking financial support for college, many students overlook the many national Hispanic organizations offering scholarships. There are several major organizations which include the HSF (Hispanic Scholarship Fund), LULAC (the League of United Latin American Citizens), the American GI Forum, TACHE (Texas Association of Chicanos in Higher Education), HACU (Hispanic Association of Colleges and Universities), and others. HSF, the largest of these organizations, awards more than $30 million in scholarships to thousands of Hispanic students annually. High school guidance counselors can also be of great help in identifying scholarship opportunities.
Visit HSFinder for more resources.
A type of financial aid that does not have to be repaid. Grants are usually awarded based on need, possibly combined with some skills or characteristics the student possesses. Grants, which usually come from state or federal monies, are much like scholarships, but are usually awarded on a one-time basis often based on economic need. Grants can be renewed every year as long as students remain eligible and funds remain available. The largest provider of college grants for low-income students is the federal government.
Work-Study is another popular way of financing a college education. Many students work while attending college. Under the Federal Work-Study Program, which is funded jointly by the federal government and the school, students can gain valuable experience while working either on campus or in qualifying positions off campus. Work-Study jobs are scheduled so as not to conflict with a student's schoolwork during the regular academic year. By law, no student works more than 20 hours a week under the Work-Study program. Students sometimes qualify to work longer hours during summers or between semesters.
Work-Study jobs offer an opportunity for students to learn administrative work in a college office, service in a community-based organization, or other types of work that match a student's interest and enrich the learning experience. Federal Work-Study awards are based on financial need. A student's eligibility for Work-Study must be determined by the college financial aid office.
This program allows students to earn money while going to school. Schools provide part-time jobs to students who qualify.
A sum of money lent by public or private agencies, to be used for the costs of school. Repayment is required. Interest accrues and is capitalized (added to the principle amount). There are two main groups of loans: subsidized and unsubsidized.
Please note that more information can be obtained by reaching the Financial Aid office of the college.
If students think there was a mistake made in the financial aid package received, they have the right to ask for a reconsideration, especially if family circumstances have changed or if they can provide the financial aid office with additional information that was not initially presented.
There are some grants or fellowships for college students that require repayment unless certain conditions are met. Some schools offer "forgivable" loans designed to encourage students to perform well and finish their education. If they do, their loans are "forgiven." If they don't perform up to academic standards or if they drop out of college, they must pay back the funds they borrowed. Students will always be informed of their responsibilities in these cases and will be required to sign a written contract stipulating the terms of their acceptance of most awards. These grants or scholarships, which may be restricted to students studying certain fields, are not as readily available as other types of grants and scholarships.
NEED-BASED – Student assistance awarded because a student's financial circumstances would not permit them to afford school. Financial need is usually calculated as the difference between the actual cost of attendance and the student's Expected Family Contribution (EFC).
MERIT-BASED – Student assistance awarded because of a student's achievement or talent in a particular area, such as academics, athletics, music, etc.
EFC – A number denoting the amount a student and his/her family are expected to pay toward the cost of attendance. EFC is calculated by a congressionally mandated formula known as the Federal Methodology
For a student to be eligible for financial aid, he or she is required to:
Every prospective college student, that is an eligible non-citizen, must fill out a Free Application for Federal Student Aid (FAFSA). This financial aid application can be requested from any college financial aid office, from the FAFSA website (http://www.fafsa.gov), or you can now complete a FAFSA online.
To learn more about Financial Aid and FAFSA, click here.
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Blanc Crosshatch Trouser Short
Style: 570078307
Out of Stock
With black grosgrain trim, rhinestone rivets and trouser style back pockets, these cuffed shorts are tailor-made for dressier summer tops. 99% Cotton, 1% spandex. Machine wash. Imported.
- Blanc. Our universal fit. Eased through the hip and thigh, sits just below the waist.
- Black crosshatch denim.
- Contrast stitching. Contour waistband with two-button closure and zip. Belt loops. Back yoke. Button tabs on back pockets. Rhinestone rivets. Silver-rimmed black enamel buttons. Permanent cuffs.
- Inseam: 5".
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Good Morning. Thank you Rachel for that kind introduction. I would like to congratulate you, Rachel, on becoming the President of ICPHSO and commend you for your efforts to advance child safety through your work at CFA.
I am so pleased to be here and to be able to participate in ICPHSO's first ever meeting in Canada and its 6th international meeting and training symposium. I also would like to recognize the sponsor of the conference, CSA and the co-host of the conference, Health Canada. Health Canada has been one of CPSC's closest allies in product safety enforcement. Not only do we have monthly coordination conference calls, but we are also partnering with Health Canada on joint recall announcements. Over the last year, more than a dozen recalls have been announced jointly, drawing significant media attention in the United States and here in Canada.
Sandra Wright and Rob Ianiro are here today from Health Canada. Sandra and Rob, thank you for your leadership, here in Canada and around the world.
Working with Health Canada improves the efficiency of our agency operations and businesses that sell their products in both countries appreciate the fact that they only have to negotiate a recall one time. We are looking at exploring further partnerships with our counterparts in other countries as well.
You will have to forgive me if I appear a little bleary eyed this morning, but I just arrived last night from Beijing, where I along with other CPSC staff participated in the 3rd U.S. –Sino Safety Summit. So the title of this conference – International Cooperation on Product Safety - takes on a special relevance to me.
The Summit was designed as a platform for CPSC and our Chinese partner agency, AQSIQ, to signal in the strongest possible way that times have changed and we have a new policy norm and we intend for companies to get in line. We need to move the emphasis away from simply inspecting final product and put much more effort into building safety into the product in the first place.
Chinese suppliers and U.S. importers are now on notice from both governments that it is a mistake to depend on good intentions and a few final inspections to ensure compliance with safety requirements.
At the Summit, AQSIQ has joined us in stating that we expect companies to implement proven best practices, such as factoring the potential for misuse into design, putting strict controls on components and other inputs, and conducting enough sampling and testing to ensure that all of the product coming off the line is safe for consumers
In China, I emphasized two key messages to AQSIQ, our government counterpart, and to Chinese manufacturers and suppliers:
First, that I believe that there is no inherent conflict between trade and safety. This is particularly true if we keep in mind the interconnection of markets in all regions of the world, and the responsibilities we all have to each other.
And second, that the best way to protect families is to build safety into products during design and manufacturing.
The Chinese government was very responsive to our concerns and during the Summit we mapped out a way forward that makes real progress toward safer consumer products. AQSIQ, for its part, will hold Chinese suppliers responsible for implementing best practices in manufacturing. This way safety – and compliance with export market requirements – is built into the products they are making or for which they are supplying materials.
For CPSC, we identified that employing best practices to ensure product safety is not only the manufacturer's job. U.S. importers also have a major responsibility. They must take steps to ensure that U.S. safety requirements are built into their products at every step of the way, including at the very beginning of the process as the product's design specifications are developed.
CPSC will hold U.S. importers accountable if their products are hazardous or if they violate U.S. products safety requirements. We will enforce in a firm but a fair manner the new federal law that puts strict limits on lead and phthalates in children's products and makes all toy requirements mandatory.
As I have consistently stated, we intend to enforce this law that Congress put in place in a firm but fair manner. CPSC also has a federal rule making underway that puts U.S. importers on notice. In cases where CPSC may impose a financial penalty on a U.S importer for violations, CPSC may to take into account whether the importer has safety or compliance programs in place and whether they conducted pre-market and production testing to minimize safety risks.
U.S. importers should assure themselves that their suppliers are complying with all U.S. safety requirements. CPSC is also developing a new handbook for importing safe consumer products to help guide importers.
We have been working with AQSIQ and Chinese manufacturers so that they, too, understand and comply with all U.S. safety requirements.
During the Summit meetings, we have made progress in six key areas: lead in children's products, toys, cigarette lighters, fireworks, electrical products, and all-terrain vehicles. ATVs were new to the agenda at this Summit.
I know ATVs garnered a great deal of attention in Canada this past weekend with the major news report by CTV. There have been far too many ATV-related deaths in the US and in Canada.
ATVs must operate as safely as possible. We are working with AQSIQ to make sure ATVs exported to the U.S. meet new mandatory performance standards and that Chinese ATV makers have an approved action plan.
We spent an entire day in Shanghai conducting a training seminar and I visited an ATV factory and testing facility to make sure that Chinese suppliers understand U.S. requirements. We hope that our efforts in China will pay dividends for the safety of ATV riders not only the United States, but also here in Canada.
I would like to point out that the safety of off-road vehicles is very important to CPSC. The Commission has approved the start of federal rulemaking on Recreational Off-Highway Vehicles. After seeing that there were no adequate standards in place foir ROVs and more than 100 riders and passengers have died using these vehicles, I directed staff to begin the rulemaking.
Our work with the Chinese government and Chinese manufacturers is bearing fruit in the area of toy safety. In fiscal year 2008 there were more than 80 toy recalls in the United States, with nearly half of those recalls related to lead violations. I am pleased to report that in fiscal year 2009, there were about 40 toy recalls, with only 15 lead violations. Our goal is to have no toy recalls and no lead paint violations, but we are certainly moving in the right direction.
We truly live in a global community, as evidenced by the number of attendees have come to Toronto from around the world. And we know product safety is soaring these days from North America to the EU to Asia.
With the passage of CPSIA, the proposed product safety legislation introduced here in Canada, , it is more important than ever for industry, consumer groups, and government to work together. We must assure that there is a transparent and fair handling of the vast responsibilities we are being given. Serving as the Chairman of the Consumer Product Safety Commission puts me in a position to oversee a reshaping of consumer product safety issues affecting the global community, and I take my responsibilities seroiously.
My interest in working with foreign regulators and with important stakeholders like all of you, is motivated by a desire to reduce product safety hazards in the United States and to increase the confidence of American consumers. To achieve this goal, I established three key priorities for my tenure as Chairman:
creating a more open and accessible CPSC,
enforcement of U.S. product safety laws fairly but firmly
and expanding education and advocacy for consumers.
In all of these areas, I am focused on doing my utmost to protect the health and safety of children and families. As a former educator, this has been at the heart of my life's work.
The United States Congress showed their commitment to reinvigorating CPSC by passing the Consumer Product Safety Improvement Act last year. Among other things, the CPSIA gave CPSC substantial new enforcement authority, authorized increased staffing, increased public disclosure of emerging product safety issues, and provided new mandatory standards for children's toys and juvenile products.
The CPSIA recognizes many of the challenges the agency has faced over the years – and demands that we rebuild the Commission to adapt to an era of consumer products that come from all over the world. The CPSIA also recognizes the need to take proactive measures to protect consumers from new and emerging hazards.
My top priority since assuming the Chair of the Commission has been meeting the statutory deadlines for rules and reports required by the CPSIA. Through the hard work of CPSC staff, 12 substantive rules and policy guidance documents have been released since I was sworn in on June 23.
In each of the rulemaking proceedings that we have worked on, I have directed CPSC staff to work closely with all impacted stakeholders. It is important to me to ensure that the rules we implement remain true to the statutory intent of the CPSIA, while also minimizing undue burdens on small businesses and other stakeholders.
To this end, I have requested that the CPSC staff engage in public hearings and workshops with all of our outside stakeholders on important issues facing the Commission. We have already had a number of public meetings and have upcoming hearings on unblockable drains and the public database. I hope that many of the people in this room will participate in or attend these public meetings and hearings.
Also, I am happy to announce here today that the Commission intends to host a two day public workshop on the testing (or 15 month rule), a rule that I know many of the people in this room are paying very close attention to. This two day workshop with CPSC staff will be in addition to the normal public engagement and outreach we normally engage in during our rulemaking. We understand the importance of this rule and the public database, and we want to make sure that we get them right.
One of the mandates of the CPSIA that does not receive enough attention is the call to rebuild CPSC's internal business processes. CPSC's information technology systems are truly the lifeblood of my agency. Sadly, these systems were neglected for far too long.
The result is a patchwork of systems that make it very difficult for CPSC staff to "connect the dots" between different incidents, identify patterns of defects, and respond quickly to emerging hazards.
This has led to a situation where CPSC is constantly in the position of reacting to events – rather than receiving new hazard information and proactively targeting harmful products before they flow into the stream of commerce.
Congress recognized the critical need for infrastructure modernization in the CPSIA. Congress directed the agency to upgrade its infrastructure and create a product incident database that is easily searchable by the public.
In response to that mandate, the agency is developing a single, integrated Risk Management System (RMS) and a public database that will allow greater access to consumer product safety information.
CPSC staff will work with the consumer advocacy and business communities globally to establish a searchable product incident database that is trustworthy and informative. I support the creation of the database, as I believe it furthers the vision of creating a more transparent CPSC and a more informed consuming public.
CPSC continues to look at all of its business processes in order to identify improvements. Improvements that will provide the agency with the tools necessary for identification of emerging hazards, such as:
using predictive data-mining technologies to analyze the increasing amount of information the agency receives,
and identifying emerging hazards in real-time.
It is impossible to overstate the essential nature of these improvements and their ability to transform the way my agency receives, reviews, and acts on new and emerging threats.
Another area that we at CPSC are rethinking is the singular approach used in the past to identify risks and simply recall products when necessary. This is one aspect of enforcement that will not work if pursued alone. Our recognition of this reality in a global marketplace is making the Consumer Product Safety Commission of today a much more efficient agency than in the past.
In addition to trips to working with suppliers and manufacturers on good manufacturing practices, we have created an Import Surveillance Division which is working closely with U.S. Department of Homeland Security at U.S. ports. Our import safety inspectors are tasked with identifying products coming into the United States that may either be defective or violate one of our regulations. We are taking action at the ports before the products are distributed.
The CPSC is given gain access to a special Homeland Security database which contains advance manifest information for shipments entering the United States.
Additionally, our Field Investigators are conducting more surveillance activities in support of CPSC projects than ever before. In a matter of a few days, we were able to inspect more than 1200 public pools and spas around the county in an effort to determine conformance with the Virginia Graeme Baker Pool and Spa Act, a very important child safety law.
Our surveillance disclosed about an 80% conformance rate, which is a credit to implementation of the law. Those public pools and spas not in conformance are working with us to bring their pool drains into conformance, so we can eliminate entrapment hazards and deaths and injuries in the future.
Drain entrapment is a serious and hidden hazard in pools and during my first week at the agency I made it clear that anyone not in compliance with the law needed to close their public pool or spa immediately.
Our field investigators are also actively responding to the imported drywall issue by following up on hundreds of consumer complaints in an effort to assist our technical staff. And in a continuing effort by CPSC to go to the source of problems, a special team traveled to China to get a first-hand look at various mines and plants that make drywall.
I too have had a first-hand look at this issue, having visited numerous homes, where I have met families devastated by this issue in terms of their health and finances. We are working tirelessly with other federal agencies to bring answers and solutions to these affected families. An important announcement with some results of our testing will be made to US homeowners tomorrow.
We are also working more closely than ever before with State Attorneys General in the United States, who we view as our partners in product safety. Rather than competing with these important state enforcement officials, we have reached out to them and will partner with them on specific enforcement activities.
As I stated earlier, education and advocacy is a top priority of mine. I believe that notices about recalls and other hazards are only effective when all impacted consumers actually hear about them and respond to our alerts.
Through network television appearances and newspaper interviews, I have worked to reach millions of American families with information about dangerous cribs, bassinets, and window blinds. These are products that have killed young children, and we are working tirelessly to inform parents and caregivers about recalled products that need to be removed from homes or repaired to keep kids safe.
We also launched an exciting new social media campaign last month, called "CPSC 2.0." The initiative is modeled after the White House's use of social media and I want everyone is this room to sign up today to receive our tweets.
In all seriousness, please check out our OnSafety blog, our new YouTube channel, the great photos of CPSC on FlickR (`flicker`), our streaming recall news on our widget, and our OnSafety page on Twitter.
These platforms provide a low cost, highly effective and creative way to reach millions of families who have never heard of CPSC before. Once you see the YouTube video we posted about furniture and television tipovers, you'll be hooked.
Let me close this morning by sharing that one of the first groups I met with after becoming Chairman was Board Members from ICPHSO. I was truly impressed with the diverse backgrounds each of the members brought to the organization. I was especially impressed with the ability of the organization to facilitate discussions and network among many different stakeholders in a forum like this and the meeting to be held in Washington, D.C. in February 2010.
While there are many trade associations and organizations targeted to specific industries and activities, from what I have been told only ICPHSO exists for the primary purpose of bringing together all interested parties on consumer product safety issues - and for that I am most appreciative.
After serving as Chairman for these past four months, I come to realize that the staff who serve at CPSC, many of whom are here today, include some of the hardest working and most dedicated people in the U.S. government.
Through their efforts we are turning the corner and heading in a new direction. A direction that will keep children safe in and around their homes and give parents and consumers confidence that the products they see on store shelves meet the best standards in the world and have been independently tested.
We want consumers to know and believe that CPSC Stands For Safety.
Thank you for inviting me here today and I hope the remainder of the conference continues to enhance product safety around the world.
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June 26, 2012: Seeing is believing, except when you don't believe what you see. Astronomers using NASA's Hubble Space Telescope have found a puzzling arc of light behind an extremely massive cluster of galaxies residing 10 billion light-years away. The galactic grouping, discovered by NASA's Spitzer Space Telescope, was observed when the universe was roughly a quarter of its current age of 13.7 billion years.
The giant arc is the stretched shape of a more distant galaxy whose light is distorted by the monster cluster's powerful gravity, an effect called gravitational lensing. The trouble is, the arc shouldn't exist.See the rest:


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Budget Top Location Flat close to the city center (LM 62-26)
숙박 가능인원2
침실 수1
면적30 m²
Floor No.3(with elevator)
- 부엌
- 엘레베이터
- 애완동물 허용
- 인터넷
- 수건
Accommodation summary
|Lorenz-Mandl-Gasse, 1160 Vienna, 오스트리아
|Acceptance rate
|Response time
|A few hours
|Calendar updated
|2 days ago
Entrance area/kitchen with gas cooker/electric baking oven, sink, washbasin and shower
Living room/bedroom with double bed, wardrobe, dining area, coffee table with 2 armchairs, TV (only the Austrian TV-channels ORF1 and ORF2), telephone
The newly renovated toilet on the hallway is exclusively used by the guests staying in this apartment.
Internet access activation: € 1,- per day. Bookable for the whole duration of stay only
|주간 금액
|364544 ₩
|1개월 금액
|1197787 ₩
|Check-in before
|환불 규정
|매우 유연함
이 호스트의 또 다른 숙소후기
Very comfortable, large and clean flat in slightly run down, but atmospheric art nouveau building with easy access to the centre (U6 line station is just across road) Good communications with a host. Plenty of towels, comfortable beds.
I would suggest few further improvements: shower curtain, more generous window curtains, some note on intercom system downstairs (we did not know what button to press) and box of match sticks to lit the gas hob as electrical lighter is not working. Some welcome pack of supplies (at least salt, pepper and sugar) would make first day cooking less tricky.
The flat was exactly as it was described in the advert. Very clean and comfortable. It was also very close to the underground station. Moreover, it was very well equipped. We had everything we needed in the flat, including tea, sugar, maps of the city and tourist attractions, kitchen cloths, etc. We really felt like at home.The host was ready to help us and give information when we needed. I definitely recommend this place.
Good location and nice flat. The apartment was not the one shown in picture (I had LA-37), but had everything described. Clean and ordered. A little noise from street, but if you close the window you are just fine.
I spent one week with four friends. The apartamente is very comfortable, clean, free internet and above all well connected, in 10 minute you are in front of Stephansdom!
The only problem was a not optimal ventilation of the kitchen and the bathroom, both without window.
Very good apartment. Clean, warm, and with all equipment needed. Perfect location as metro, tram or bus are just across the road. Owners are very helpful and friendly. Absolutely recommended.
I spent six days in Vienna to celebrate New Year's Eve.
The accommodation is a spacious apartment, very clean and equipped with all appliances. Owners are very helpful and friendly.
The area is quiet and comfortable to all transportation (metro, tram or bus) to quickly reach the city center and there are shops, restaurants, pubs and supermarkets.
Thank Walter for your hospitality and for your kindness. :)
We had a great time in Vienna. Walter and his wife has been very helpful and easy going. We arrived late at night and it was never an issue which we appreciated very much. The rooms are all big and spacious and all facilities works perfectly. The only reason this is not getting 5 stars is because we only was given 3 bath towels upon arrival and we were 4 people, another towel arrived the next day.
I do recommend this accommodation as it is good value for money.
It was close to the metro station. From ther you can go every where in Vienna.
The tickets for the metro we bought at the cigarette shop downstairs.
We arrived with the boat from Budapest and made a choise for this appertment because you can easily walk from the ferry to this appartment.we made this choise.
The website of the ferry company is http://www.mahartpassnave.hu
Great position: metro, supermarkets, discounts, fast foods, restaurants, the danube etc; everything you need nearby.
Allocators very kind and helpful!
Good apartment, confortable with everything you need.
Great experience, beautiful Wien, I would definitely recommend this apartment.
The apartment Hernalser Guertel 47 in Vienna is very beautiful. The entrance could be some effort, the number of outlets is small. With 4 people we tarried extremely comfortable. That the 38 'was did not detract from our stay at the apartment. The contacts iz the key circuit were warmly. Highly recommended!. Moreover, with a U-Bahnhof at the door and many nice local shops
- 확인된 숙소의 품질
- 모든 호스트는 전화로 입증되었습니다.


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Remember the first time you experienced always-on high-speed Internet access after being dependent for years on a dial-up 56 Kbps connection? Everything happened so fast. You could download complex files, access corporate data, and view large email attachments much faster. Imagine repeating that experience, but this time in a secure wireless environment.
Wireless Internet Card FAQs
What is a Wireless Internet Card?
Wireless internet cards – also called laptop cards, wireless modems and PC cards – are devices that attach to your computer to give you access to the internet over a wireless carrier's cellular network. Most wireless internet cards now support 3G data speeds, and are convenient if you want to access the internet wirelessly anywhere, anytime, without a Wi-Fi hotspot or a wired connection.
My laptop has Wi-Fi. Do I need a laptop card?
No, but a wireless internet card and data plan from your wireless carrier will let you access the internet at high speeds from anywhere in the country where your carrier provides coverage – indoors, outdoors, or even on the road. With Wi-Fi you need to be within range of a Wi-Fi hot spot (usually 20-30 feet) to get connectivity to the internet.
How much does this kind of connection cost per month?
To use a wireless internet card, you will need a data plan subscription from a wireless carrier. Most carriers' standard data plan offers 5 GB (or gigabytes) of data use per month for about $40-60 per month. This information is intended as a guide and actual usage and rates may vary.
So the standard data plan includes up to 5 GB of data – how much is that?
5 GB is the equivalent of 5,120 MB (or megabytes) of data. Using general assumptions, 5 GB per month lets you send or receive 150,000 emails with no attachments or 50,000 emails with a five page Microsoft Word document attached to each. Surfing the internet, you could visit 30,000 typical web pages per month if you aren't downloading files. A song download is about 1 MB per song (or 5,000 songs per month). Short internet video clips are about 3 MB, but downloading a 2-hour movie will use about 1.5 GB (that's only 3 movies per month). We recommend downloading large files when you are connected to the Internet via Wi-Fi or Ethernet, which doesn't use your 3G data allowance at all. In short, 5 GB is a lot of data for most users. This information is intended as a guide and actual usage and rates may vary.
Can I share my card between multiple laptops?
Your data service will only work with your wireless internet card. You can easily move your card from one computer to another, but it can only be plugged into one computer at a time. Multiple computers can access the internet through a single laptop card if the card is used to power a 3G Wi-Fi router, provided that all PCs are in range of the router's hot spot. Another alternative is a MiFi, now available with certain carriers. A MiFi has a built-in wireless internet card and allows up to 5 devices to connect simultaneously to the internet via Wi-Fi. Think of it as a mobile hotspot you can control.
Do wireless internet cards work on Macs as well as PCs?
Yes. Most of our wireless internet cards work on both Macs and PCs. Just make sure to choose a card that's compatible with your laptop.
How do I know which wireless internet card to choose?
Wireless internet cards are distinguished by how they connect to your computer. Some connect via USB, and this may be the best option for you if you are unsure what type of card is compatible with your laptop. Also, there are several 2-in-1 cards available now that come with an Express-to-PCMCIA adaptor, thus allowing the card to be used in either an Express slot or a PCMCIA slot.
USB cards have the advantage of working universally with most laptop and desktop PCs. We encourage you to consult your laptop user manual to see which card(s) fit in your computer. Remember to consider whether you need the laptop's slots for any other peripherals.
What wireless carrier has the best data coverage in my area?
All of the national wireless carriers give you nationwide coverage, though quality in specific locations can vary. A wireless carrier with good voice service in your area should have good data service as well, but be sure to consult the carrier's data coverage map. Remember that we offer a 100% money-back Satisfaction Guarantee in the event that data performance is not good and you need to return or swap your wireless internet card.
How fast will my wireless internet card's connection be?
The speed of your wireless internet card connection will vary based on the wireless carrier you use and the signal strength where you are located. Typical connection speeds average between 600 kilobits per second (Kbps) and 1.4 megabits per second (Mbps), with peak speeds of 2.0 to 3.0 Mbps. For more information, consult the device specifications.
Do I need any special software to use my wireless internet card?
Most of the newer wireless internet cards are 'plug & play', meaning there's no need for any additional software installation – your computer will recognize the device upon insertion, and will automatically load any necessary drivers. If, in rare cases, your wireless internet card is not 'plug & play,' the necessary software will be included in the packaging.
Will my new wireless internet card work with the new Windows 7 and 8 operating system?
The broadband cards we sell will operate on Microsoft Windows 7 and 8 however you may need to update your drivers with free, downloadable software from the wireless carrier.
Do I need to have the same carrier for my cell phone as I do for my laptop card data service?
No, you do not need to purchase your laptop card data service and your cell phone service from the same wireless carrier.
Are there any benefits to having the laptop card on the same account as my cell phone(s)? Is there a discount and/ or can I share data plan GB between the phones and the laptop card?
By having both your laptop card data service and cell phone service with the same carrier, you may receive only one bill for both services (dependent on the carrier). At this time, no carrier allows you to share a data plan between a laptop and a cell phone. Separate service plans must be purchased for each device.
Do these data plans require a two-year agreement like cell phone contacts?
Not all plans require an agreement, some are pay as you go.


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For more than a decade, Marvel comic book characters have been having a super time on the big screen. Here's a look at the movies of Marvel, starting with 1998's "Blade," starring Wesley Snipes.
While "Blade" was the first in the recent string of Marvel movies, 2000's "X-Men," starring Patrick Stewart as Professor X, was an even bigger hit, earning nearly $160 million domestically.
2002: Tobey Maguire as Peter Parker in "Spider-Man."
2002: Willem Dafoe as Norman Osborn in "Spider-Man."
2002: Tobey Maguire as Spider-Man and Willem Dafoe as The Green Goblin in "Spider-Man."
2002: Tobey Maguire as Spider-Man and Kirsten Dunst as Mary Jane in "Spider-Man."
2002: After the first movie's successful debut, Wesley Snipes returned as they daywalking vampire in "Blade II."
2003: Ben Affleck as the title character in "Daredevil."
2003: Jennifer Garner as Elektra and Colin Farrell as Bulls Eye in "Daredevil."
2003: The cast of "X2: X-Men United," left to right: Patrick Stewart (Professor X), Anna Paquin (Rogue), James Marsden (Cyclops), Shawn Ashmore (Iceman), Famke Janssen (Jean Grey), Halle Berry (Storm) and Hugh Jackman (Wolverine).
2003: Alan Cumming as Nightcrawler in "X2: X-Men United."
2003: Eric Bana as Dr. Bruce Banner in "The Hulk."
2003: The computer-generated Hulk in "The Hulk."
2004: Thomas Jane as the title character in "The Punisher."
2004: James Franco as Harry Osborn and Tobey Maguire in "Spider-Man 2."
2004: Alfred Molina as Doc Ock in "Spider-Man 2."
2004: Snipes was again back for "Blade: Trinity," the third "Blade" movie, this time alongside Jessica Biel and Ryan Reynolds.
2005: The cast of "Fantastic Four," left to right: Chris Evans (The Human Torch), Michael Chiklis (The Thing), Jessica Alba (The Invisible Woman) and Ioan Gruffuud (Mr. Fantastic).
2005: Julian McMahon as Dr. Doom in "Fantastic Four."
2005: Stan Lee as mailman Willie Lumpkin in "Fantastic Four." Lee has made a cameo appearance in nearly every Marvel movie adaptation.
2005: Jennifer Garner's "Daredevil" character gets her own movie in "Elektra."
2006: Halle Berry (Storm), Patrick Stewart (Professor X), Hugh Jackman (Wolverine) and Ian McKellen (Magneto) in "X-Men: The Last Stand."
2006: Rebecca Romjin as Mystique in "X-Men: The Last Stand."
2007: Nicolas Cage as Johnny Blaze in "Ghost Rider."
2007: Nicolas Cage as the title character in "Ghost Rider."
2007: Doug Jones as the Silver Surfer in "Fantastic Four: Rise of the Silver Surfer."
2007: Tobey Maguire as Spider-Man in "Spider-Man 3."
2007: Thomas Haden Church as Sandman and Tobey Maguire as Spider-Man in "Spider-Man 3."
2008: Robert Downey Jr. as Tony Stark/Iron Man in "Iron Man."
2008: Robert Downey Jr. as the title character in "Iron Man."
2008: Jeff Bridges as Obadiah Stane and the Iron Monger in "Iron Man."
2008: Edward Norton as Dr. Bruce Banner in "The Incredible Hulk."
2008: The "Hulk" movie franchise was rebooted with "The Incredible Hulk."
2008: Abomination -- the nemesis of Hulk in "The Incredible Hulk."
2009: Hugh Jackman in "X-Men Origins: Wolverine."
2009: The cast of "X-Men Origins: Wolverine," left to right: Ryan Reynolds (Deadpool), Taylor Kitsch (Gambit), Hugh Jackman (Wolverine), Liev Schreiber (Sabretooth) and Lynn Collins (Silverfox).
2010: Robert Downey Jr. as Iron Man and Don Cheadle as War Machine in "Iron Man 2."
2010: Mickey Rourke as Whiplash in "Iron Man 2."
2010: Scarlett Johansson as Black Widow in "Iron Man 2."
2011: Chris Hemsworth (left) stars, alongside Anthony Hopkins, in "Thor."
2011: The X-Men movie franchise gets a reboot with a younger cast in "X-Men: First Class."
2011: Chris Evans, who previously appeared in the "Fantastic Four" films as Johnny Storm, aka The Human Torch, carries the red, white and blue shield in "Captain America: The First Avenger."
2012: Jeremy Renner as Hawkeye, Chris Evans as Captain America and Scarlett Johansson as Black Widow are just three of the Marvel Comics heroes who assembled for "Marvel's The Avengers."
2012: The full all-star slate of superheroes in "The Avengers" also included Mark Ruffalo as The Hunk/Bruce Banner, Robert Downey Jr. as Iron Man/Tony Stark and Chris Hemsworth as Thor.
2012: Andrew Garfield starred in a reboot of the Spider-Man movie franchise in "The Amazing Spider-Man."
2013: Robert Downey Jr. returned to the role of Tony Stark/Iron Man for a fourth time, counting "Marvel's The Avengers," with "Iron Man 3."
2015: "Avengers: Age of Ultron" hits theaters May 1, 2015.
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Clint Bowyer is Freaking Awesome
Hahahaha. I wish I'd got to see the whole thing or the Speed replay, darnit.
Bowyer's probably the funniest guy in the sport. He always makes me laugh about 50 times during the course of the broadcast of the Prelude to the Dream, it's an annual tradition of waiting to see what's gonna come out of his mouth, and he's just continually proven to have one of the best personalities and to me the best ability to make us grin, hoot, 'n holler at home.


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A man is in the Spokane County Jail for stabbing his neighbor, according to Spokane police.
Just after 3 a.m. Tuesday, two men were sending threatening texts to each other. Sergeant Kevin King with the Spokane Police Department said the two men use to work together.
One of the men, Cordon Pyratt, 35, lives on the 4400 block of North Addison Street. He went to the other man's house on the 700 block of East Longfellow Avenue in North Spokane, and the two men started fighting, said Sgt. King.
According to Sgt. King, Pyratt stabbed the man who lives on Longfellow Avenue and then left the house.
The victim called 911 and was taken to a local hospital with non-life-threatening stab wounds to his stomach, arm and head.
The Pyratt was found nearby, on the corner of Longfellow Avenue and Addison Street. He was arrested and booked into jail for first-degree assault.
Police said the altercation was recorded on a neighbor's surveillance camera.


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UK insurers continue lending push
Two UK insurers, L&G and Prudential, continued their push into bank-style lending this morning, making loans to student housing developer Unite and coffee chain Caffè Nero.
M&G Investments, the fund management arm of the Prudential, is lending £30 million to Caffè Nero as part of a broad refinancing at the privately-held chain of coffee shops, which is taking out new loans in order to expand in the UK and abroad.
Gerry Ford, the chairman and founder of Caffè Nero, said the entry of non-bank lenders into the market in Europe, as banks pull back in the aftermath of the financial crisis, was giving greater choice to companies such as his.
He said: "There is a transition in the market. In the US, company lending comes from funds as well as banks, and what's going on in the UK and the greater European environment is that this is starting to happen here too. I am not sure that the M&Gs of this world change the terms, but they do provide more flexibility."
Caffè Nero is borrowing £250 million from a group of lenders: £100 million from a "senior syndicate" including Santander, Rabobank, HSBC and Lloyds Bank as well as M&G; and the remainder from a "junior syndicate" consisting of three private equity lenders, Partners Group, Avenue Partners and Alcentra. Canaccord Genuity advised the company.
Ford said: "We refinanced not because we had to, but because we thought it was a good time to do so. We've lowered our cost of capital, and gained extra debt facilities so that if we want to go faster in our international expansion, we can."
The group has about 550 stores in the UK, and between 80 and 90 in four countries overseas, according to Ford. He said: "We plan to open about 40 a year over the next five years in the UK, and increase the pace of expansion abroad too."
For M&G, it is the third loan from its second Companies Financing Fund, which was launched last year with seed investments from the UK Government and from Prudential. M&G launched its first Companies Financing Fund in 2009, aiming to take advantage of banks' lessened appetite for lending money to medium-sized enterprises.
M&G lent £10 million to Begbies Traynor, an insolvency consultancy, in April and followed that up with a £45 million to Workspace, a property company providing office space, in June.
Also this morning, Legal & General announced a new £150 million loan to Unite, the student housing developer.
L&G launched its lending business in April 2012 with a £121 million loan to Unite. This second loan is to a joint venture that Unite has created with the Government Investment Corporation of Singapore.
The joint venture, Unite Capital Cities, owns a portfolio of 14 student accommodation developments in London and Edinburgh, valued at £385 million. It is borrowing £226 million under the package announced today; £149 million from L&G for nine years, and £77 million from RBS for five years. This replaces a £300 million loan from HSH Nordbank.
In a statement this morning, Unite and L&G said the deal would form part of Unite's plan to consolidate its two joint ventures with GIC, and would mean Unite's stake in UCC rising from 30% to 34% this year. UCC also reduces its cost of borrowing under the deal.
Steve Boyle, real estate lending manager at L&G, said the UCC loan will be held in the insurer's annuity book, with the income being used to pay pensioners. He added that it was "one of a number of residence based projects across different sectors that we have under consideration".
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Welcome to Experts at Laurier, a one-stop media resource featuring a broad database of experts who have agreed to make themselves available for media interviews. Contact them directly or call a media relations officer at 519-884-0710, ext. 3067 or 3070.
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Areas of Expertise: Medieval language and literature; Literary theory; Media studies; Media theory
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Tilden Tough Ten 2009
When we got out of the car, I knew we were in trouble. The shirt I'd put over my running singlet was already too hot. The temperature, at 7:30 am, was in the 70s. Heat pockets wafted up the canyon. Oh boy.
It's been our plan this year to do the triple crown of trail races, this being the first, the Tilden Tough Ten. It's a 10 mile race put on by our running club each year. It's an out and back course, with the middle mile or so being on dirt.
We walked up the road to the start area. Already chaos had started with the race, in addition to the heat. The port-a-potties had not turned up. A long line stretched back from the two toilets available. We walked over to the registration table and picked up out bibs and discarded our shirts by a tree. Someone walked up to a volunteer and asked if they could fill their water bottle. The answer was no. They didn't seem happy. The PA system was also not working, a whole other story. Len walked around trying to get people's attention with a mega-phone. He was telling them about the port-a-potty situation. Right then the port-a-potties turned up, attached to a EB Regional Parks pickup truck.
We settled into the back of the waiting crowd of runners and were soon on our way. I set off at around 9:30 pace, thinking I could probably run 9:00ish on a less hilly 10 miles, but wanted to save some. I'd run 9:30 until the turn around, walk up the hill, and then see what I had left. The plan went well. For a while. The path rolled up and down and had some good shaded sections. My legs felt good and my HR stayed low enough.
As I headed onto the dirt at mile four, with its steeper rougher surfaces, I was starting to feel it. The previous couple of miles had consisted of 1) an extended gradual downhill, although almost completely exposed to the sun and the hot easterly wind and 2) a good sized hill. The downhill had hid the fact that I was baking, dehydrating fast, and that maybe my pace had been too fast for the conditions. The hill I'd just come up had laid the truth bare.
Around here I saw the lead runners heading back. They looked pretty distressed, for the most part. By the time I hit the steep downhills there was plenty of the fast runners headed up. Some of them looked like they were about the keel over. Almost all of them were walking. I knew at least I'd be walking back up the hill.
I headed down to the turnaround aid station, grabbed some water, and then started my walk up. I walked by several people, but by the top I was cooked. My HR was up to 190 or so, which happens, but I was wondering to myself what that meant on such a hot day. I resolved to make my way back by keeping my HR in the 180s. Time didn't matter. I walked for a bit, even though it was flat, and then slowly picked it back up to a run. It was survival mode.
On the way back lots of people were walking. I passed an emergency vehicle while it was assisting a downed runner. It looked like one of the lead runners. He didn't look like he was conscious. Later a helicopter air lifted him out. (he recovered). There was numerous other emergency vehicles headed in too. I wondered what was going on behind me. The scene had deteriorated, obviously.
I mostly ran all the way back to the finish, though I took my sweet time at one of the aid stations. They had a hat dip, which was the best treat of the day. In the end I finished in just under 1 hour 46 min. By the end of the race the temperature was around 88 deg.
Although my time was way slower than my plan, I was happy enough to have got out there and finished such a brutal race. Or maybe I was just happy it was over and I wasn't lying on the side of the trail being devoured by ants. In the end I suppose I'd call it good experience. We don't have too many hot races in the Bay Area and now I've had two of them in a row to learn from. Who am I kidding?! If the forecast is for 90+ degrees when I have a race to do like this one, this is what I've learnt: stay home.
From the race we went to a brunch (changing a toweling down in a pullout), rushed home, showered and then headed to Patty's graduation. She's now a teacher!
Course map and elevation profile from my GPS.
Note: photos are from the LMJS website


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The Pre-registration for the Preparatory Meeting is now open
United Nations central platform for follow-up and review of the 2030 Agenda for Sustainable Development and the Sustainable Development Goals
Division for Sustainable Development
Division for Sustainable Development, UN-DESAThe Division for Sustainable Development (DSD) of UN-DESA provides leadership in promoting and coordinating implementation of the sustainable development agenda of the United Nations. Click to read more about our work.
Expert panel finds that greener, more efficient and sustainable transport can save trillions and help achieve Sustainable Development Goals
High-level side event on Urban resilience and Sustainable urban development in Small Island Developing States
New Report Finds that Stronger Bridge between Science and Policies is Needed to Achieve Sustainable Development Goals
Global Sustainable Transport Conference, 26 - 27 Nov 2016United Nations Secretary-General Ban Ki-Moon has convened a global sustainable transport conference, on 26 and 27 November 2016 in Ashgabat, Turkmenistan.
United Nations Conference to Support the Implementation of Sustainable Development Goal 14:5 - 9 June 2017, New York
2030 Agenda for Sustainable Development and the Sustainable Development GoalsThe 2030 Agenda for Sustainable Development and the Sustainable Development Goals
High-level Political ForumThe High-level Political Forum on Sustainable Development is the central UN platform for the follow-up and review of the 2030 Agenda for Sustainable Development.
Technology Facilitation MechanismThe Addis Ababa Action Agenda and the 2030 Agenda for Sustainable Development called for establishing a technology facilitation mechanism in order to support the sustainable development goals.
Global Sustainable Development ReportThe Global Sustainable Development Report (GSDR) is a United Nations publication aiming to strengthen the science-policy interface at the High Level Political Forum (HLPF) on Sustainable Development.
SIDS Partnership FrameworkMonitoring and ensuring the full implementation of pledges and commitments through partnerships for Small Island Developing States
High-level Panel on WaterUnited Nations Secretary-General Ban Ki-moon and President of the World Bank Group Dr. Jim Yong Kim announced on 21 April 2016 the appointment of 10 Heads of State and Government as the members of the High-level Panel on Water, and two Special Advisors to the Panel.
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Host: rabbit polyclonal; Species Reactivity: human; Application: WB
This rabbit polylonal antibody was raised against a synthesized peptide derived from human STAT3 protein surrounding threonine residue 705. The sequence of the immunization peptide is identical to the Anti-STAT3 (pThr705) (cat#54460) without the phosphorylation specificity.


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As they prepared to end this phase of their respective academic careers on very high notes, the group of six area students recounted experiences and emphasized wishes for the future during recent interviews with The Progress.
(Some excerpts of those interviews and photos of them and their classmates are in the graduation special section in this edition of The Progress. Those recorded interviews will be included in an online video presentation on www.mysoutex.com.)
Now is certainly a very interesting time for 2014 Tilden High School (McMullen ISD) valedictorian Sarah White, 18, who said she hopes to one day do work for Disney.
She has been personally invested in her academic success since as far back as she can remember. In the fall, she starts classes at Texas A&M majoring in computer science and—hopefully—minoring in visualization.
"What I want to do right now—subject to change—is I want to go to work for Disney," she said. "I want to make some of their interactive programs and work on some of the mechanics behind them."
Meanwhile, 2014 Tilden High School salutatorian Joaquin Cavazos starts at Texas A&M in the fall. He plans to major in engineering.
"I would like to work for a major manufacturer like John Deere," he said. "I was raised on a farm and have always been interested in agricultural machinery in particular. It would be neat to play a role in their design and manufacture."
Three Rivers (ISD) High School
By the time this story was written, the race between Three Rivers High School top students Mikaila Rushing and Sheaniece White to determine who would be valedictorian and who would be salutatorian of Three Rivers High School had already been decided—with Sheaniece as val and Mikaila as sal.
But at the time of the initial interviews with them at Three Rivers High School weeks earlier, school officials were still in the process of reviewing and reevaluating scores and grades on both students because the numbers were too close to immediately call.
Mikaila, 18, from Three Rivers, said the waiting was starting to become stressful for her. But she added it has been a lot of fun having Sheaniece as a competitive friend.
"I have literally known her (Sheaniece) since fifth grade," Mikaila said. "This has been in the background of our friendship the entire time."
In the fall, Mikaila plans to major in journalism at the University of Texas in Austin.
Sheaniece, 18, who starts majoring in accounting at UTA in the Fall, agreed that she and Mikaila have always been good friends—although very, very competitive ones.
"I've always been nervous she's going to pass me," Sheaniece said with a smile. "Ever since we were little we have been competing."
Sheaniece said she hopes to eventually become an accountant or at the very least have a CPA-type of career.
George West (ISD) High School
Valedictorian Shelby James, 18, will start in the fall majoring in business honors at Texas A&M. She hopes to either become a lawyer or get a graduate degree in actuary sciences.
"I am deciding between those two options but that may change after new classes and topics in college," she said.
Her central thought to others as a val?
"I want everyone to know not to be afraid to take a risk," she said.
George West High School Salutatorian Avery Pawelek, 18, will be attending UTA, majoring in physics and mathematics.
"I really liked it there at UTA," he said. "Their physics labs are top notch and I really felt at home. I am double majoring in physics and math."
Avery said he had some great times in high school—a favorite moment of which included lighting the homecoming bonfire in a fireman's outfit in his capacity as student body president.
He hopes to attend graduate school and get his doctorate in physics—possibly doing engineering work in he future or research and possibly a stint teaching at university.
"I'm interested in science," he said. "I enjoy challenging myself intellectually."
Ben Tinsley is a reporter for The Progress newspaper in Three Rivers. He can be contacted by email at firstname.lastname@example.com or by phone at 361-786-3022. Tinsley can also be followed on Twitter at www.twitter.com/BenTinsley, Google at http://plus.google.com/+BenTinsley or on Facebook at www.facebook.com/ben.tinsley.12.


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Established in 1876, The historic Chalfonte Hotel is recognized as the oldest continuously operating hotel in Cape May, America's Original Seaside Resort. Situated just two blocks from the beach, The Chalfonte offers a unique seashore experience defined by warm, Southern-style hospitality and gracious traditions. We cater to every budget with spacious suites, guest rooms with premium and European style baths, and traditional rooms with shared baths down the hall. Guest rooms feature crisp linens and cool seaside colors, and are free of televisions, telephones, and clock radios. Our nationally acclaimed Magnolia Room restaurant serves Southern-style fare with lovingly prepared family recipes and our King Edward Bar is famous for its classic cocktails and casual ambiance. Our guests continuously return from around the world to enjoy this very special destination.
The Chalfonte Hotel—"Where the South meets the North"
The Chalfonte Hotel celebrates its 140th Anniversary in 2016! The Chalfonte has always been "Where the South meets the North" historically, geographically, and culturally.
Historically, as it was built and established by Civil War Union Colonel Henry Sawyer, and later taken over and operated for more than 60 years by The Satterfield's of Richmond, Virginia, a family with deep ties to the Confederate Army.
Geographically, the Chalfonte is located in Cape May; New Jersey's southernmost point, below the Mason-Dixon Line and running parallel with Washington D.C.
Culturally, our long-standing tradition of warm hospitality and nationally-acclaimed Southern style fare is an essential part of the Chalfonte experience. Meals are lovingly prepared by the third generation of Dickerson women, whose matriarch Clementine who came with the Satterfield family every summer from their Virginia home. Clementine's daughter Helen soon followed, and later Helen's daughter's Dot and Lucille; who today continue the 90-year tradition of turning out their beloved family recipes for Chalfonte guests.
The King Edward Bar
This legendary hangout is an intimate place where locals and guests mingle over domestic & imported beers, fine wines, and classic cocktails.
The book has arrived! Now available for purchase online
The Old Girl, the Grand Dame, the Leading Lady, the Place that Time Forgot... The Chalfonte, in the historic seaside town of Cape May, NJ, has been called a lot of things by the people who have loved this magical hotel over the last 135 years.
The Chalfonte Experience!
The Chalfonte is a traditional seashore hotel unlike any other in historic Cape May. For generations, guests have returned for the Chalfonte's unique charm and simplistic ambiance.


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A futuristic watch design with continuous vertical lines, Kisai Online from Tokyoflash Japan uses a built in accelerometer to reveal the digital time.
Kisai Online includes time, date and alarm functions. Made of stainless steel, this design is available in black or silver in a choice of three cool LCD colors; natural, blue or red.
Kisai Online is a digital watch so is as easy to read as any other wrist watch. The "always on" LCD display is made up of vertical lines which look like a cryptic pattern to outsiders.
Turn the watch towards you and the lines fall away to reveal the time in hours and minutes. One push of the lower button changes the display to date mode which can be read in the same way as the time.
The digits that make up the time are easy to learn. The diagram below shows cryptic mode at the top and regular mode below. Click the buttons below to scroll through the numbers:
Each part of Kisai Online has been individually designed and engineered, including the stainless steel case, strap and uniquely programmed LCD display.
An animation mode is programmed into the watch. When activated the display will animate every two seconds.
Download the PDF instruction manual for a detailed explanation of all functions and settings or check out the video below for a hands on demonstration.
The fully adjustable strap makes the watch suitable for small and large wrists and the watch uses a standard CR2032 watch battery which will last at least 12 months and can easily be replaced.
Like all watches from Tokyoflash Japan, Kisai Online is a limited edition design which means that it is guaranteed to be an original design that not many other people own.
In February 2010, Tokyoflash Japan opened its Design Studio Blog to showcase concept designs and request ideas for new watch designs from fans. The idea for Kisai Online was submitted by Sam Jerichow from Germany and was voted as one of the most popular designs by fans. This is the seventh concept submitted by a fan to become reality.
Find out more about the original concept on the Tokyoflash Design Studio Blog.
Blog reader & watch designer Sam Jerichow says:
On the day I found out about the Design Studio Blog, my brain began to work instantly. It was like an unlocked door was kicked wide open for me. I had some experiences playing around with clockworks but I never found a way to let this interest grow. I submitted design after design to the blog and while the hope that one of them would be chosen to get made was kept on a fair level, the addiction of seeing an idea from my sketch book being featured online increased week by week.
When I received the message about ONLINE being chosen for production, I could do nothing but smile! I actually hopped on my chair!
Since then, the news has haunted my head every day. After some months I was shown the first illustration and was utterly impressed. The first product images then just blew my eyes off! I thought "These can never be beaten by renderings." Seeing something real after making so many virtual images, feels great. Now I can hold ONLINE, a real product based on an idea of mine in my own hands – offline if you will. What an irony! And this is just awesome!
Thank you everyone at Tokyoflash for this wonderful experience and for doing such a good job! Thank you to all who supported me and still do! I hope you appreciate this result of inspiration and effort, like I do.
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Tagged in: LCD Watches | Mens Watches | Womens Watches | Unisex Watches | Wrist Watches | Easy Watches | Metal Strap Watches | Alarm Function | Digital Watches | Stainless Steel Watches | Black Watches | Silver Watches | Cool Watches | Futuristic Watches |


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A week prior to the special meeting at the regular monthly board meeting held on Feb. 19, the FCISD trustees had heard a thorough presentation from the Bond Steering Committee regarding details of facility needs and the bond plans, among other information. The committee had recommended to the board to call for a bond election.
Along with approving the calling of the $39.5 million bond election at the special meeting, trustees also approved of having Huckabee and Associates architectural company begin the design phase of the new facilities.
"That will expedite the building process by about four or five months," said Superintendent Tylor Chaplin regarding Huckabee beginning the design process. "That way we can save a little bit of money on the amount of inflation and construction cost that may rise over the next few months. That puts us in a timetable that if the bond passes, then we're able to start the construction process quicker."
Plans are for new academic facilities to be built on land directly across from the current campus on W. Nelson St., with athletic facilities and fields to be constructed where the current campus now stands.
Groundbreaking for the construction of the new academic facilities will possibly be this October, according to district officials, with completion estimated around January of 2016. Things such as weather could possibly play a factor in the construction process and timetable.
After academic facilities are completed, students and faculty will move over into the new facilities and then construction will begin of the new athletic facilities and fields on where the current campus is. Target date for groundbreaking for construction to begin on the new athletic facilities is estimated for January of 2016, with completion estimated at around the Fall of 2016.
"Those are the goals that we are setting for ourselves," said Chaplin of the timetable. "I think that they are realistic goals based on being able to move forward with the design phase now."
The academic facilities are planned to be constructed and completed before the athletic facilities so as to not interfere with the education process of the students and also safety reasons, district officials say. While the construction of the academic facilities is going on, students will not be interrupted at the current campus since the construction is taking place away across the street.
Once the new academic facilities are complete, students will transition to the new facilities and will be away from the construction process of the athletic facilities when they begin.
All of this hinges on whether or not voters approve the $39.5 million bond on May 10.


text: My LO is 4 mos old and I can't get him to go longer than 2 hours between feedings. This includes over night and I'm *dying* from a lack of sleep. I plowed through the first three months during my maternity leave but now that I'm back to work this lack of sleep feels dangerous. I wobble when I stand up and my mental capacity is severly diminished as a result. Does anyone have any suggestions on how to get my LO to stretch out his feedings through the night? Clustering the feedings doesn't do any good since he's already eating every two hours during the day too. He's gaining weight and length and looks great, it's me who looks like a wreck.