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August 26, 2010
BRIAN K. COSGROVE, PLAINTIFF,v.CITIZENS AUTOMOBILE FINANCE, INC. DEFENDANT.
Plaintiff Brian Cosgrove seeks to represent a class of individuals who lost their automobiles after failing to make required loan payments and allegedly received notice of repossession that was defective under the Uniform Commercial Code ("UCC"). Currently before the Court are (1) Defendant Citizens Automobile Finance's Motion for Judgment on the Pleadings; (2) Cosgrove's Motion for Leave to File a Second Amended Complaint; (3) Defendant's Motion for Leave to Assert a Counterclaim; and (4) Defendant's Motion to Shift the Costs of Discovery. For the reasons stated below, the Court will deny the first three motions with prejudice and deny the final motion without prejudice.*fn1
Plaintiff Brian Cosgrove purchased two Mitsubishi automobiles from a Downingtown car dealership in December 2004, arranging for financing through Defendant Citizens Automobile Finance ("Citizens" or "Defendant"). (Am. Compl. ¶¶ 15, 18.) The financing contracts included the following clause:
If the vehicle has been repossessed, you may reinstate this Contract and the vehicle will be returned to you provided you pay all past due installments or agree with us on mutually satisfactory arrangements, plus accrued late charges, and if default at the time of repossession exceeded 15 days, expenses of retaking, repairing, and storage authorized by law. (Am. Compl. Exs. A, B.)
A little over a year after buying his new cars, Plaintiff became unable to make his monthly payments. (Am. Compl. ¶ 21.) He contacted Citizens to tell it that it "could repossess the two Autos." (Id.) Citizens reclaimed the cars on February 25, 2006 and March 29, 2006. (Id. ¶ 22.) A day after each car was taken, Citizens sent Plaintiff a document titled "Notice of Repossession, Redemption Rights and Deficiency Balance Obligation Under Pennsylvania State Law," which read in pertinent part: "You may redeem the vehicle by paying the entire amount you owe on the Contract (not just past due payments) plus, to the extent permitted by law, the cost of taking and storing the vehicle, and other expenses that we have incurred." (Id. Exs. C, D.)
Plaintiff filed this putative class action on behalf of himself and similarly situated consumers, alleging that Citizens violated Sections 9610 and 9611 of Pennsylvania's version of the UCC because it failed to provide commercially reasonable notification of disposition. (Id. ¶¶ 36--38.) Under Pennsylvania law, "[e]very aspect of a disposition of collateral, including the method, manner, time, place and other terms, must be commercially reasonable." 13 PA. CONS. STAT. §§ 9610(b). Furthermore, "a secured party that disposes of collateral under section 9610 (relating to disposition of collateral after default) shall send to the persons specified in subsection (c) a reasonable authenticated notification of disposition." 13 PA. CONS. STAT. § 9611(b). Plaintiff's case is brought under the UCC, but incorporates the standard for notice of reinstatement of rights described in the Motor Vehicle Sales Finance Act ("MVSFA"), which states, inter alia, that [w]hen repossession of a motor vehicle, which is the subject of an installment sale contract, is effected otherwise than by legal process, the holder shall immediately furnish the buyer with a written 'notice of repossession' . . . . [that] shall set forth the buyer's right as to reinstatement of the contract, if the holder extends the privilege of reinstatement and redemption of the motor vehicle [and] shall contain an itemized statement of the total amount required to redeem the motor vehicle. 69 PA. CONS. STAT. § 601, et seq. Plaintiff claims jurisdiction in this Court is proper pursuant to the Class Action Fairness Act ("CAFA"), 28 U.S.C. § 1332(d).
Plaintiff alleges that Citizens' notice was insufficient because it (1) failed to notify consumers of their rights to reinstate their loan contracts, which according to the contract could be triggered by paying past due installments, and (2) misrepresented that consumers could only get their cars back if they paid the full amount owed on the loan. (Id. ¶¶ 38--39.) Plaintiff alleges that the notice sent by Citizens grossly mischaracterized the sum Plaintiff would need to pay to reinstate his loan contract, inflating his obligation more than tenfold. (Id. ¶¶ 7, 28.) According to Plaintiff, all of this renders the notice Citizens sent to him and others similarly situated unreasonable for purposes of the UCC.
Judgment on the pleadings "will not be granted unless the movant clearly establishes that no material issue of fact remains to be resolved and that he is entitled to judgment as a matter of law." Sheridan v. NGK Metals Corp., 609 F.3d 239, 260 n.25 (3d Cir. 2010). The Court must view all facts in the light most favorable to the non-moving party, and accept as true all allegations in the non-movant's complaint. Rosenau v. Unifund Corp., 539 F.3d 218, 221 (3d Cir. 2008).The Court may grant a judgment on the pleadings only "if it is beyond doubt that the non-movant can plead no facts that would support his claim for relief." Constitution Bank v. DiMarco, 815 F. Supp. 154, 157 (E.D. Pa. 1993).
Motions to amend should be freely granted when justice so requires. FED. R. CIV. P. 15.
However, motions to amend can be denied as futile when an amended complaint would fail to state a claim on which relief could be granted. In re Burlington Coat Factory Sec. Litig., 114 F.3d 1410, 1434 (3d Cir. 1997).
A. Defendant's Motion for Judgment on the Pleadings
The crux of Defendant's Motion for Judgment on the Pleadings is that, having voluntarily surrendered his cars, Plaintiff is ineligible to bring his claim. Defendant argues that the MVSFA, which sets forth the requirement that lenders notify consumers of reinstatement rights in some instances, distinguishes between debtors whose cars are repossessed and debtors who surrender their cars. Specifically, Defendant notes that the section of the MVSFA outlining the requirement of notice of reinstatement rights, 69 PA. CONS. STAT. § 623(D), speaks only of "repossession" whereas the previous section of the MVSFA, 69 PA. CONS. STAT. § 622(B) (dealing with rebates of finance charges) speaks of "surrender or repossession." Relying on this difference in wording, Defendant argues that the Pennsylvania Legislature distinguishes between surrender and repossession of a vehicle, requiring notice of reinstatement rights when collateral is repossessed but not when it is surrendered, such as in Cosgrove's case.
The Court is not persuaded that the Legislature in section 623(D) intended to distinguish between debtors who surrender their cars and those who lose their cars to involuntary repossession. Voluntary surrender of vehicles with defaulted loans is to be encouraged, as it reduces potential conflicts between debtors and creditors. See Ford Motor Credit Co. v. Welch,861 A.2d 1126, 1129--30 (Vt. 2004). The Pennsylvania Legislature surely did not mean to punish debtors who choose to cooperate with lenders by depriving them of their right to receive notice of their contractual reinstatement rights, nor insist that debtors fight their lenders tooth and nail in order to receive protection under section 623(D). Many reasonable debtors, when informed by a secured creditor that they are past due on their repayment obligation and that the creditor is planning to seize their car, will not wait for the embarrassment of a "repo man" showing up at their door but will instead return the vehicle. This does not mean that these debtors are ceding all rights to the collateral or that they could not benefit from notice of their contractual right to reinstatement. A person who relinquishes his car in the face of pressure from creditors and a person whose car was seized from him both have the same "forlorn hope that if he is notified, [he] will either acquire enough money to redeem the collateral or send his friends to bid for it." Indus. Valley Bank & Trust Co. v. Nash, 502 A.2d 1254, 1263 (Pa. Super. Ct. 1985) (quoting J.J. WHITE AND R.S. SUMMERS, UNIFORM COMMERCIAL CODE, § 26-9 (2d ed. 1980)). Because voluntary surrender is preferred under the law, the Court cannot conclude that the Pennsylvania Legislature intended to deny debtors who surrender their collateral the same rights conferred upon debtors whose property is repossessed.
Addressing an analogous issue, courts have concluded that a creditor is not relieved of the obligation of notice of disposition of collateral simply because a debtor voluntarily surrenders his or her property. Key Bank of Maine v. Dunbar, Civ. A. No. 94-2556, 1995 WL 541778, at *6 (E.D. Pa. Sept. 11, 1995) (collecting cases); Brockbank v. Best Capital Corp., 534 S.E.2d 688, 695 (S.C. 2000) ("Abandonment or voluntary surrender of the collateral by the debtor to the creditor does not waive the debtor's right to notice of resale of the collateral, and the statutory notice provision may not be waived or varied except in writing after default."). Although the right to notice of disposition is not identical to the right to notice of reinstatement rights, the principle at work is still the same-a creditor's obligation is not altered by the debtor's decision to surrender collateral in the face of a threat to repossess.
Furthermore, other provisions of the statute suggest that the Pennsylvania Legislature did not intend to exclude from the protections of section 623(D) those who surrender their car to a secured creditor when faced with the threat of seizure. Section 623 of the MVSFA deals with the repossession of both cars and mobile homes. Subsection 623(G) outlines the notice that lenders must give to debtors before repossession of a mobile home. 69 PA. CONS. STAT. § 623(G). Notably, that provision specifically provides that "notice of intention to accelerate, commence legal action or repossess provided in this subsection shall not be required where the installment buyer has abandoned or voluntarily surrendered the property which is the subject of the mobile home installment sale." Id. § 623(G)(2). This illustrates that when the Legislature intended to distinguish between debtors who surrender their property voluntarily and others who do not, it made the intended distinction explicit. Moreover, the subsection shows that the Legislature does not consider the distinction between the terms "surrender" and "repossess" self-evident. If the distinction between the two terms were as clear and meaningful as Defendant suggests, the language of subsection 623(G)(2) would be surplusage, as there would be no need to advise a lender intending to "repossess" a mobile home that had been "surrendered" that it did not need to send the debtor notice.*fn2 Because the MVSFA does not excuse the provision of notice of reinstatement rights in cases in which debtors voluntarily surrender their vehicles, Defendant's motion for judgment on the pleadings is denied.
B. Plaintiff's Motion for Leave to File Second Amended Complaint
Plaintiff has requested leave to file a Second Amended Complaint primarily to modify the definition of the proposed class he seeks to represent. The operative Complaint defines the proposed class as:
a. All persons who entered into a Pennsylvania Retail Installment Sales Contract (RISC) for the purchase and financing of a motor vehicle;
b. who purchased the vehicle primarily for consumer use;
c. where the RISC was assigned to or the auto loan otherwise financed by Citizens Automobile Finance, Inc. ("Citizens") . . .
d. in which the RISC or comparable loan agreement stated in part that, "if the vehicle has been repossessed, you may reinstate this Contract and the vehicle will be returned to you provided you pay all past due installments . . ." ("Reinstatement Right"); and who
e. had their vehicle(s) repossessed by or at the behest of Citizens; and
f. were sent a Notice of Repossession or comparable post-repossession notice of rights and obligations from Citizens, ("Notice") dated within four (4) years of the date of this Amended Complaint;
g. in which the Notice stated: "You may redeem the vehicle by paying the entire amount you owe on the contract (not just past due payments)" or substantially similar language, rather than the Reinstatement Right.
(Am. Compl. ¶ 48.) Discovery in this case revealed that although many of the contracts that Citizens used (including both of Cosgrove's contracts) contained the wording quoted in subparagraph (d) of Cosgrove's class definition, a great number instead contained the following language: "If the vehicle has been repossessed, we may, but are not required to allow you to reinstate this Contract . . . provided you pay all the past due installments, accrued late charges, and agree with us on mutually satisfactory arrangements . . . ." (Pl.'s Mot. For Leave to File Second Am. Compl. [Pl.'s Mot. to Amend] at 3.) Plaintiff seeks to amend his Complaint by defining the class in such a way that it would include any individual whose loan agreement included either of the above-quoted reinstatement terms.
The Court is convinced that such an amendment would be futile and therefore will deny the motion for leave to amend the Amended Complaint. Plaintiff contends that the agreements stating that Citizens "may, but [is] not required to allow [debtors] to reinstate this Contract" establishes a right to reinstatement that is discretionary with Citizens. (Pl.'s Mot. to Amend at 3.) Plaintiff contends that Citizens had to alert debtors of their right to request reinstatement of the contract because the MVSFA requires that a notice of repossession "set forth the buyer's right as to reinstatement of the contract." 69 PA. CONS. STAT. § 623(D) (emphasis added). Therefore, Plaintiff argues that in order for Defendant's notice of disposition to be reasonable under 13 PA. CONS. STAT. § 9611, it had to mention that the debtor had this right to request reinstatement. (Pl.'s Mot. to Amend at 3.) The Court disagrees. Despite Plaintiff's attempt to depict the "may, but [is] not required to" language as creating a discretionary right, it really provides no rights at all with respect to reinstatement. Ask as they might, debtors with this contractual language had no contractual right to force Citizens to reinstate the contract after their vehicle had been seized. The notice of repossession these debtors received cannot be deficient for failing to tell debtors that they had the option to make a request that could be summarily denied. It told them that they could redeem the vehicles by paying the entire balance due, which does not contradict any term of their contract. These debtors were in no way misled by the repossession notice they received and thus could not state a plausible claim that the notification of disposition they received was not reasonable under 13 PA. CONS. STAT. § 9611. See Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570 (2007). Therefore, Plaintiff's motion to amend his Amended Complaint is denied.
C. Defendant's Motion for Leave to Assert Counterclaim
When a car is repossessed and sold at auction, there is often a deficiency between the amount the lender recovers at auction and the amount that a debtor owes on a loan. Anticipating that many of the potential class members in this suit may have had deficiency balances on their loans, Defendant seeks to amend its Answer to assert a counterclaim seeking a deficiency balance from each member of the potential class. Because the Court lacks jurisdiction to hear Citizens' counterclaim, the Court denies Defendant's Motion for Leave.
To begin with, CAFA does not provide this Court with original jurisdiction over Citizens' proposed counterclaim. CAFA, by its very terms, provides federal district courts with jurisdiction over cases brought by a "class of plaintiffs," not cases brought against a class of counterclaim defendants. See 28 U.S.C. § 1332(d)(2); Palm Harbor Homes, Inc. v. Walters, Civ. A. No. 08-196, 2009 WL 562854, at *2 (M.D. Ala. Mar. 5, 2009) ("[CAFA] applies, by its terms, to class actions brought by plaintiffs on behalf of classes of plaintiffs. It does not extend to class actions brought against classes of defendants.").
Because there is no original jurisdiction for Defendant's counterclaim, the Court must next determine if it can take supplemental jurisdiction over the counterclaim. The Court can only do so if the claim and counterclaim are so related that they form part of the same case or controversy under Article III of the United States Constitution. 28 U.S.C. § 1367(a). This determination is often made by analyzing whether a counterclaim is compulsory or permissive under Federal Rule of Civil Procedure 13, with compulsory claims forming part of the same case or controversy as the claims in the action within the Court's jurisdiction, and permissive claims requiring an independent basis of jurisdiction. See Ambromovage v. United Mine Workers of Am., 726 F.2d 972, 988 (3d Cir. 1984). To determine whether a counterclaim is compulsory, a court considers four factors: whether the issues of law and fact in the complaint and the counterclaim are largely the same; whether res judicata would bar a subsequent suit on the counterclaim; whether the same evidence is required to prove the claim and the counterclaim; and whether there is a logical relationship between the claim and the counterclaim. Orloff v. Syndicated Office Sys., Civ. A. No. 00-5355, 2003 WL 22100868, at *2 (E.D. Pa. Aug. 20, 2003).
In this case, the issues of law and fact underlying the claims are quite different. Plaintiff's claim arises under state consumer protection statutes, whereas Citizens' counterclaims are a matter of pure contract law. The evidence required to prove Plaintiff's claim is largely limited to the contract between the parties and the notice of repossession. In contrast, for Citizens to prove that it is owed a deficiency balance, relevant facts include each plaintiff's payment history and Citizens' accounting thereof; the steps Citizens took to repossess the car; and the manner in which Citizens repossessed, stored, and sold the car. Although both Plaintiff's claim and the proposed counterclaims stem from various debtors' decisions to take out auto loans from Citizens, the relationship between the claim and the counterclaim is too tenuous to convert what would be a fairly streamlined determination about whether the notice provided was reasonable under 13 PA. CONS. STAT. § 9611 into a mass forum for the adjudication of small claims. See Orloff, 2003 WL 22100868, at *3. Furthermore, allowing the assertion of such a counterclaim would take what is an arguably homogenous class and insert idiosyncratic issues, thereby defeating any possibility of meeting the "commonality" requirement of certifying a class under Federal Rule of Civil Procedure 23(b)(3). This would discourage potential class members from joining the class and run counter to Rule 23's objectives of promoting judicial economy, access to judicial relief, and deterrence of unlawful conduct. 2 WILLIAM B. RUBENSTEIN, ALBA CONTE AND HERBERT B. NEWBERG, NEWBERG ON CLASS ACTIONS § 4:34 (4th ed. 2002). Therefore, the Court concludes that Defendant's proposed counterclaim is not compulsory and is thus not so related that it forms part of the same case or controversy as Plaintiff's Complaint. Thus, the Court denies Citizens leave to file its proposed counterclaim due to lack of jurisdiction.
D. Defendant's Motion to Shift the Costs of Discovery
In the course of discovery, Citizens has had to sort through thousands of loan files to determine whose cars were repossessed and what language was in each of these individual's contracts regarding reinstatement rights. Citizens contends that the contract files were not digitized, and therefore discovery has necessitated significant manpower to manually go through and read each file, of which there are thousands. Furthermore, Citizens was concerned that simply handing over the loan files, which contain confidential material about borrowers, might subject Citizens to potential liability under the Gramm-Leach Bliley Financial Modernization Act of 1999, 15 U.S.C. § 6801, et seq. Citizens contends that it has expended a large amount of money to redact those files before handing them over to Cosgrove's lawyers. Citizens contends that these costs should be borne by Cosgrove, because "[t]he usual rule is that a plaintiff must initially bear the cost of notice to the class." Eisen v. Carlisle & Jacquelin, 417 U.S. 156, 178 (1974); see also Oppenheimer Fund Inc. v. Sanders, 437 U.S. 340 (1978) Cosgrove counters that the costs Citizens seeks to shift do not relate to class identification, but to Cosgrove's discovery requests. (Pl.'s Br. in Opp'n to Def.'s Mot. to Shift Costs of Discovery at 11.) He relies on the rule that parties are generally responsible for bearing the costs of making their own responses to discovery, unless one party has made requests that are unduly burdensome. Oppenheimer, 437 U.S. at 358. Furthermore, he argues that the very act which has generated so much of the expense in discovery-redacting personal information from the loan files-has rendered the production unhelpful to him for purposes of class notification. (June 28, 2010 Tr. at 64.)
This issue is better addressed, if at all, no earlier than at the class certification stage. At that point, the parties will be better prepared to discuss whether the disputed discovery relates to Cosgrove's class notification obligations. Therefore, the Court will deny without prejudice Defendant's motion to shift discovery costs.
The Court denies Defendant's Motion for Judgment on the Pleadings because a debtor's rights under 69 PA. CONS. STAT. § 623(D) are not dependent on whether his car is forcefully seized or returned after threat of repossession. The Court denies Plaintiff's Motion to File a Second Amended Complaint because the individuals Plaintiff wishes to add to his putative class would not be able to state a plausible claim for relief under 13 PA. CONS. STAT. § 9611. The Court denies Defendant's Motion for Leave to Assert a Counterclaim because it lacks jurisdiction over Defendant's proposed counterclaim. Finally, the Court denies Defendant's Motion to Shift the Costs of Discovery without prejudice to raise at a later date. An appropriate Order will be docketed separately.
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|Key Info
Our flat is in a listed building on the ground floor of a cobbled lane in Stockbridge, Edinburgh. It has high ceilings, with plantation shutters and is very light and airy.
Stockbridge is the fashionable part of Edinburgh; cobbled streets, wonderful architecture, fab restaurants, cafes and coffee houses. The water of Leith winds through the middle of the "village". Sit on the Terrace at the Raeburn Hotel, visit the famous Scran and Scallie Gastro Pub run by Michelin Star chef Tom Kitchen or head to the Sunday farmers market. Wander down the river or hang out and watch the world go by at one of the independent coffee houses.
The Flat has two double rooms and one single room. All the stylish bedrooms have white Egyptian cotton bed linen. It has a large sitting room/dinning room with a kitchen table for 6-8. The bathroom has a separate bath and power shower area. The kitchen and boiler are newly installed.
The flat is ideal if you are attending the Edinburgh festival. It is a 10 minute walk to Prince Street (the city center) and allows you the opportunity to completely dive into the festival and central attractions but also to relax and enjoy the wonderful buzz of Stockbridge when you have had enough crowds.
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Throughout August Edinburgh hosts the largest international arts festival in the world. Comedy, Drama, Dance, Music as well as a book and film festival and all this in a city with the most stunning Georgian architecture.
The Old Town and New Town are listed as UNESCO World Heritage sites.
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European Commission closes investigation
- Date: 01/08/2012
Press release from the International Group:
The European Commission has today announced that it has closed its review of the International Group's claims-sharing and reinsurance arrangements. The International Group has cooperated fully with the European Commission throughout the investigation and welcomes the Commission's decision to close the case.
The investigation was opened by the European Commission in August 2010 following the expiry of the second 10 year exemption for the International Group Agreement (IGA) granted by the Commission. The reform of EU competition law procedures in 2004 meant that it was not open to the International Group to seek a further individual exemption for the IGA.
Even though the European Commission has decided to close its investigation, the International Group plans to make some amendments to the IGA. The International Group is finalising these and details will be published in due course.
Press Release from European Commission
Antitrust: Commission closes investigation in P&I Clubs case
The European Commission has closed its antitrust investigation into certain provisions accompanying claim-sharing and joint reinsurance agreements in the marine insurance sector.
P&I Clubs are mutual non-profit making associations that provide Protection & Indemnity insurance - a type of direct marine insurance - to their members, the ship owners.
The investigation focused on the International Group Agreement (IGA) and the Pooling Agreement between the P&I Clubs that contain rules on the sharing of insurance claims and joint reinsurance as well as rules on the contractual relationships between the P&I Clubs and their members. The aim of the procedure was to examine whether certain provisions of the agreements lessened competition between P&I Clubs and/or restricted, to a certain extent, the access of commercial insurers and/or other mutual P&I insurers to the relevant markets.
After opening proceedings in August 2010 (IP/10/1072), the Commission conducted a
market investigation with ship owners, brokers and commercial insurers. The market
investigation was not sufficiently conclusive to confirm the Commission's initial concerns.
The agreements concluded within the International Group of P&I Clubs were previously
exempted from the competition rules of the European Union by a Commission Decision of
12 April 1999 (IP/99/230). The exemption expired on 20 February 2009.
Industry developments
Polar Shipping
Legal, navigational and environmental resources, news and updates on the development of polar shipping. Read more
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Sullivan & Son is an American comedy television series created by Rob Long and Steve Byrne that is broadcast on TBS. It stars Byrne as Steve Sullivan, who surprises his parents when he leaves his job as a corporate lawyer to take over a bar owned by his father in Pittsburgh. The series is executive-produced by Vince Vaughn, Peter Billingsley and Long, who also serves as showrunner.
Contributions by Bkonrad, Ken Gallager, and Sgeureka.


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Worry mom
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I need to know how to help my son. He's really defiant at school. My husband thinks we should be using physical punishment but I don't want to resort to that.
My son has problems at school, he is 5 years old and he is defiant with the teacher. He talked back....We work good behavior = prize/ sticker / time play WII... Initially we have some reports one two, and he get 10 minutes minim for play......but lately he lost the all day. My husband put the blame on me. He suggest me, be more strong and don't let him talked to me back under any condition. What I can do? Next step is a "fisical punishment" and I don't like that way. The privation of the game time doesn't work. And I don't know if he knows the difference or he can control it . I understand the teacher position .He doesn't like to work in P.E class and write.What she can do , he doesn't want to come back at school . ..... Please I need to know how help my son. I don't want he ruin his school and social life.In Topics: Discipline and behavior challenges
Sorry My English I learning how to write, but I can read it.
Sorry My English I learning how to write, but I can read it.
> 60 days ago
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Pollo Rollo
Total Time
Prep 5 mins
Cook 20 mins
An easy and deliciously decadent chicken roll-up.
Ingredients Nutrition
- 1 boneless skinless chicken breast
- 1⁄4 cup andouille sausage, removed from casing
- 1⁄4 cup toasted breadcrumb
- 1⁄4 cup mixed cheddar cheese, grated
- 1⁄4 cup red onion, finely chopped
- 1 slice monterey jack cheese
- Preheat oven to 350°F.
- Place the Andouille, breadcrumbs, and grated cheese in a food processor and mix thoroughly. Avoid over mixing.
- Lay the chicken on a piece of plastic wrap and fold the wrap back over the meat. Pound the breast out to as thin as possible without tearing it apart.
- Peel the wrap off the top of the breast and arrange it lengthwise in front of you.
- Lay the sausage mixture and the chopped onions out in a line on the lower portion of the breast.
- Using the wrap much like a sushi mat, roll the breast up and over the mixture. Secure the edges with toothpicks.
- Sear the roll until golden brown on all sides in an oven-proof skillet.
- Place the slice of cheese on top and place in the oven for 10 –15 minutes.


text: Home Gallery Video Farmers Insurance Maze Farmers Insurance: Maze Back to school. Published on Jan 04, 2012 Editor's Pick RPA and director Fred Savage debut two more spots for Farmers Insurance, continuing the "university classroom" theme established in previous work. JK Simmons stars again as the professor as agents try to help consumers through a maze of insurance options and avoid surprises. This is the first big commercial campaign for Savage, who signed with Uber Content in May for more commercial driven work. He has previously worked on television and film projects. Rate this Ad You must be registered to rate the ad. Please Login or Register Now About CreditsDateJan 04, 2012Agency:RPA Client:Farmers InsuranceProd. Co.:Uber ContentEditorial Co.:Spot WeldersTelecine:Company 3ECD:Joe BaratelliGCD:Pat MendelsonCD:Tom HamlingCD:Laura HausemanAD:Ariel ShukertEVP/Executive Producer/Content:Gary PaticoffSenior Producer:Selena PizarroAssistant Producer:Whitney YoungProduction Company:Uber ContentDirector:Fred SavageDP:Chris SoosExecutive Producer:Preston LeeExecutive Producer:Phyllis KoenigExecutive Producer:Steve WiLine Producer:Cory BergProduction Designer:Andy ReznikEditorial Company:Spot WeldersEditor:Haines HallAssistant Editor:Paul SabaterPost Producer:Patrick McElroyTelecine:Company 3Artist:Stefan SonnenfeldEP:Rhubie JovanovVisual Effects Company:Public VFXLead Flame Artist:James AllenVFX Producer:Marlo KinseyVFX Producer:Kim NagelVFX Creative Director:Tony SmollerTItle Design:Laundry! TVAudio Post Company:Lime StudiosAudio Post Mixer:Loren SiblerMusic Company:Elias ArtsComposer/Arranger:Jonathan EliasExecutive Producer:Ann HaugenCreative Director:Dave GoldCW:David SullivanSee more credits CategoryTVC GenreComedy/Dialog Latest Creativity News on Ad Age 1stAveMachine, Click 3X, Humble Add Director Duos Lowe's Latest Spot Is 'Multi-Porpoise' Romance, Bromance Ruined by a Cheeky Skywriter in Slim Jim's New Spot Advertisement Ad Age Events Nov 02 Los Angeles, CA SummitAd Age Brand Summit The Ad Age Brand Summit in Los Angeles peels apart the layers of brand building with a carefully crafted roster of top marketing, technology, and creative leaders. Learn more Related work Farmers Insurance: Mer-Mutts RPA Farmers Insurance: We Know From Experience (Agent Film) RPA Farmers Insurance: We Know From Experience RPA Want to see your work in our gallery? Submit now


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BPM Driveshaft Specialists
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26/ 1 Thew PdeMap
Cromer NSW 2099Click to view map
About Us
If you have a need for Service Equipment products or services, you will know that experience and product knowledge are vital. pollution, presses and suspension - and all the basic essentials of Service Equipment are available from BPM Driveshaft Specialists, in Cromer, NSW. You can contact us by email at any time, or by phone at (02) 9982 #### during business hours, for helpful and professional assistance with any and all of your Service Equipment needs.
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WII Saturday, September 29, 2007 | 12:59 AM
Images of NiGHTS
All comments
But i assume the finished version of sega rally is better built than the demo ...right ?
Sega don't seem to make new IP's anymore which is a worry (Yakuza excluded) relying on remakes all the time will bite them in the ass eventually.
Posted by PlumbDrumbBritish people have a habit of adding extra letters to words that don't need them. They can't even spell "color" right. ;)
what is a Nights game?
what is a Nights game?
I uh.. wouldn't mind someone cluing me in aswell.
About the game
- NiGHTS: Journey of Dreams
- Published by SEGA
- Developed by Sonic Team
- French release: Available
What's up?
Top stories
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Gamersyde LiveNo upcoming streams
Express links
- Rockstar confirms Red Dead Redemption 2, coming Q4 2017
- inXile to launch crowdfunding campaign for Wasteland 3
- Hitman: The Complete First Season coming January 31
- Gran Turismo Sport release date delayed to 2017
- Ubisoft Motion Pictures announces "The Division" film
- Legendary to adapt Life Is Strange into digital series
- Red Dead Redemption on Xbox One Backward Compatibility
- BioShock: The Collection coming Sept. 13
- Batman: Return to Arkham delayed
- Xbox unveils Project Scorpio
- Koei Tecmo announces Berserk (working title)
- Techland officially becomes a global video game publisher
- No Man's Sky delayed to August 9
- Mass Effect: Andromeda will now ship in early 2017
- EA & Respawn developing a new Star Wars game


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Wendy C. Hyland
Wendy Hyland is Of Counsel in the Louisville office. She represents employers in all aspects of employment law, handling claims involving the full complement of employment statutes, including the Americans With Disabilities Act (ADA) the Family and Medical Leave Act (FMLA), Title VII of the Civil Rights Act, the Age Discrimination in Employment Act (ADEA),the Kentucky Civil Rights Act, and related tort and contract claims. Wendy also works with clients on effective policies, investigations, and training.
Wendy is a 2009 graduate of Leadership Louisville Center's Ignite Louisville program geared toward the leadership development of young professionals. She is also a member of the University of Kentucky Law Alumni Board of Directors.
In law school, Wendy was a member of the Kentucky Law Journal and authored the article, "Equal Opportunity for Employers: Elevating the Adverse Employment Action Standard to Allow Only Meritorious Retaliation Claims." 90 Ky. L.J. 273 (Fall 2001/2002).
Prior to entering private practice, Wendy completed a clerkship with the Kentucky Supreme Court, Honorable James E. Keller.
Reported Cases
- Benningfield v. Pettit Environmental, 183 S.W.3d 567 (Ky. App. 2006)
Representative Work
Honors & Leadership
Professional Activities
- Louisville, Kentucky and American Bar Associations
- Presenter, Kentucky Bar Association Convention, 2011
Community Activities
- University of Kentucky Law Alumni Board
- Legislative Affairs Chair, Louisville Society for Human Resource Management
- Younger Woman's Club Board of Directors
Seminars & Speaking Engagements
- 9.24.14
- 6.5.14
- 6.12.13
- 5.31.13
- 7.17.12
- 5.17.12
- 11.7.11
- "Unemployment Compensation"
UK/CLE Employment Law in Kentucky Handbook, 4th ed.
(2012) Update/Chapter 12
- University of Kentucky College of LawJ.D. 2002
- George Washington UniversityM.A. 1999
- University of KentuckyB.A. 1997
Bar Admissions
- Kentucky
Court Admissions
- U.S. District Court for the Eastern District of Kentucky
- U.S. District Court for the Western District of Kentucky
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Bumper Blade 12" Wheel Boys Mountain Bike 3 to 5 years
SAVE: 48% or £48.05
Now £51.95
Welcome to the world of Bumper Bikes
Bumper Bikes are specially designed pavement bikes for kids. Safe and strong!
Bumper bikes are suitable for children up to about 8 years of age and are designed to offer a great riding experience while managing to look cool!
All bikes featured exceed the safety requirements of all relevant British and European Safety Standards.
The Bumper Blade boys bike is the bike for the busy youngster that likes to have fun. Complete with the addition of a cool front number plate, front and rear MX black fenders and striking yellow components. It's built to last with chunky pneumatic tyres and full bearing hubs, cranks and steering. A real head turner for the young rider on the block.
- Frame: Hi-Tensile Steel
- Fork: Hi-Tensile Steel
- Brakes: Caliper brakes with short reach levers
- Transmission: Single speed with full chainguard
- Wheels: 12" steel colour co-ordinated rims. Full bearing hubs. Pneumatic all black tyres
- Stabilisers: Yes
- Front colour co-ordinated number plate and matching mudguards.
- Hi-rise handlebars. Full bearing headset.
- Colour co-ordinated saddle
- Clear handlebar grips
- Cycle Condition : New. This bike is shipped 90% assembled in a sealed box. Inflation of tyres, fitting of pedals, stabilizers, stem and handlebars, front wheel, front brake cable, saddle and seatpost are necessary.
All goods are in stock and delivered within 2 working days of cleared payment. Smaller items are sent by Royal mail 1st Class and do not require a signature, larger items are delivered Monday to Friday between 9am and 6pm by our couriers, a signature is required upon receipt of goods.
When your order is despatched our system will automatically send you an email. We only use premium next day delivery services, so you can expect your order the following day.


text: This DIY Bluetooth Boombox Is Made from an Old Ammo ContainerAlan Henry8/14/16 7:00amFiled to: DIYinstructablesbluetoothspeakersstereo systemprojectselectronics projects133EditPromoteShare to KinjaToggle Conversation toolsGo to permalink Ammo containers aren't super common, but you could probably find one at your local surplus store, or thrift store if you're lucky—and Instructables user r570sv turned this one into a massive Bluetooth speaker with a little DIY spirit and the right parts. Best of all, it's an easy electronics project you can follow too. Advertisement The full parts and tool list are in the Instructable (linked below) including where to buy a bunch of the components (although admittedly, r570sv had a lot of the smaller electronics on-hand or lying around already.) You'll also need the right tools, but nothing more complicated than a jig saw and a hole saw attachment for a cordless drill. Once you get everything—your speakers, your tools, and of course, the Bluetooth module for the whole affair, it's all about cutting the holes in the side of the ammo can, mounting the amp and the speakers, and wiring the whole thing together.Of course, this is an oversimplification—r570sv ran into more than a few issues in the process (and they're all documented so you can learn from them and avoid them) like picking the right amp—or maybe a different one than he used—so you can easily mount it inside the case. Mount and wire all of the components, mount your power switch and power jack on the outside so they can be easily reached, and you're all finished. For the full step-by-step, visit the walkthrough below, and make sure to check the comments too, since a few people offer up some alternative components that can improve the sound in the finished product, and make it easier to put together. Advertisement Ammo Can Bluetooth Boombox | InstructablesAlan firstname.lastname@example.com@halophoenixEditor-in-Chief, LifehackerGear from Kinja DealsThe coolgear BRU is a Dead Simple, Fully Customizable Cold BrewerStore Your Pet's Food In Style With SimplehumanAdd The First Six Star Wars Films To Your Digital Library For $69Reply13 repliesLeave a reply


text:
Skip to comments.Shouldn't a College Degree Keep You Out of Poverty?
Posted on 06/14/2010 6:16:41 AM PDT by Cardhu
There's good news and bad news in a new report from the Institute for Higher Education Policy. The good news: an increasing number of low-income young adults are going to college these days. The bad news: many of those low-income students remain in poverty after they graduate.
The report (pdf) found that 47 percent of young adults whose total household income was near or below the federal poverty level were enrolled in an institute of higher education in 2008, a healthy five percent increase from 2000, and another 11 percent had earned a degree. However, about one in ten of those students failed to immediately transcend the poverty threshold. In other words, they passed college but college failed them.
The introduction to the report quotes President Obama's State of the Union Address from January: "[I]n the 21st century, the best anti-poverty program around is a world-class education." Apparently, and unfortunately, things don't appear to be that cut-and-dry for many impoverished young adults. Although higher education opportunities are expanding for poor populations, outcomes are not getting any better. Which raises the question: what good is a college education without a positive outcome?
There are a lot of surprising statistics in the report that are begging for explanation. (White low-income students are twice as likely as African Americans and Hispanics to remain poor after graduation? Really?) Future reports in the series, which is being funded by the Gates Foundation, will examine educational aspirations, academic preparation, movement in and between schools, and financial aid and debt burdens among low-income young adults to give all of us a better understanding of what's going on here so we can try and address the problem(s).
Even for young adults not coming from low-income backgrounds, college is expensive and may not be worth it in this economy. If we don't start improving educational outcomes for poor students, college might start to seem like a worthless pursuit for everyone and I don't think that's a road any of us want the country to go down. Gregory S. Kienzl, director of research and evaluation at IHEP, summed it up best: "If you have a degree, you should no longer be poor."
Not if the degree is in women's or ethnic studies!
"a" college degree?
You have to have useful skills and education that is in demand.
Not much demand for "insert your perpetually aggrieved group" studies degrees.
Not surprising since most college degrees are less valuable than an equal amount of toilet paper.
Who would even think of going into debt for such worthless degees?
College degrees officially jumped the shark when people spent $30K a year in tuition to qualify for a $25K a year job after they graduate. Aside from SOME BA degrees, and engineering/math/science degrees, most aren't worth the paper they're printed on.
People whose self worth is totally consumed with what people think of them and how much they "care".
Depends on the degree. But I'll say this - a good set of pipe wrenches and other assorted plumbing tools will do better at keeping one out of poverty than will many college degrees.
It is racist to apply simple cost-benefit analysis to a college education, don't you know?
Education= Indoctrination!
A degree is now less and less even a work permit excluding those w/o a degree...
The only education is self-education.
A college degree is only a tool, not a guarantee.
I relate this often, but I was at a baby shower with my wife a few years back. There were a lot of "professional educators" there.
You should have seen the looks of shock and gasps of disbelief when I said "not everyone is fit for college, you know".
I've taught math, physics, and EE at the undergrad and grad level for quite a few years. Given the present environment here in the states, I really don't know if I'd encourage any student to pursue science or engineering.
Also, I respectfully suggest a change of nomenclature for college "professors". I shudder when I find that some idiot with a degree in upgraded marshmallow coloring is called "professor" - the same prefix that I was honored and privileged to have.
Its called "Affirmative Action", and they are now a large portion of the government. I have a black female "supervisor" with a masters degree and she can barely read. (she has no clue what I do) I'm not kidding. PS, I'm a mechanic/technician w/o college but with years of Vo-Tech Schools.
I know a gentleman with a MBA from Notre Dame, now working at $8 an hour. A degree is only part of the equation. It's how many are looking for the same job, work ethic, overall market demand, etc. A degree is a guarantee of nothing other than that the person spend 4 years or more pursuing an education. Beyond that, nothing.
failed to immediately transcend the poverty threshold.
Ummm. Very few college grads IMMEDIATELY transcend the poverty threshold. Have to find a job, get out of debt, perhaps travel. Who are they kidding
Statistics in the hands of liars.
ambition + degree = success.
Huh??? Perhaps "if you go to college and learn skills in something useful (and can follow instructions, read and perform simple calculations) ... but what does a degree in Art History or Women's Studies prepare someone for that a high school diploma doesn't????
Bill Gates and Steve Jobs are college dropouts who seem to have done OK. I don't think the lack of a degree has held them back too much.
"work permit for excluding those" without the "right" ideology.
This has been the goal of all these "race to the top", "no child left behind", "goals 2000", and "outcome based education" programs. By the way, these are all the same, just have different names.
Students soon will be screened and channelled based on ideology revealing tests - if you're a Christian, you'll be channelled to some labor job. If you're a nihilist government worshipper, you'll be channelled to some leadership occupation.
Why is nobody investigating colleges and universities for price gouging?
How about the kids who get a degree in "French Art"??
It is long past the time when colleges & universities need to publish the number of jobs open each year in various field of study.
I don't think there are 50 openings a year for "French Art" degrees, but thousands of students spend millions of dollars getting that sheepskin.
Meanwhile, as the high school level, there are very few vocational classes even being taught.
It is a lie to push kids into 'college' when many of them are just not college material.
Then they get the idea that they are worth at least $100,000 a year in a starting salary.
I cannot wait until that 'graduate' who thinks they are worth $100,000 a year in salary cannot find an auto mechanic or a plumber to repair their property.
upgraded marshmallow coloring
in my old business we used to call 'em "Vice President of the Left Side of the Building."
University of Phoenix PING!
An acquaintance is pursing a degree in, no kidding, "Human Rights".
This is part of the continued failed attempts of the school monopoly to try to tie school with sucess, which has only a moderate corrolation.
I learned this the hard way years ago. In the 'real world', a degree is means almost nothing. The only thing is says to an employer is that you're able to stay committed to a goal and complete it. Look at any 'white collar' job description and the requirement for a degree is just a short single sentence. The rest of the description asks for the real requirements; experience. Combine this with the fact that we have less jobs thanks to the Obamessiah, and you have 400 people applying for every decent job that comes down the pipe. Employers are not going to consider anyone who doesn't have at least 3-4 years of experience.
My kids have science degrees from front line colleges.
The daughter earned the tuition back in three years.
The son went into the US Army as a 2nd. Lt. Spent four years working for bubba.
Came out of the service, resigned his commission and it took him a very short time to earn back the tuition.
In both cases the tuition after four years was a bit over $100,000.
Neither took anything remotely connected to 'liberal' classes. One skirted the loony lib profs by taking photography as the required liberal arts class and the other took several languages which qualified for liberal arts classes.
It's a foot in the door, nothing else, once you're in the door, you might as well throw away the degree, you're on your own.
I'm guessing such a degree isn't about preventing government oppression but about requiring government to provide for people's needs.
Interesting, and sometimes amazing.
Now, since I am a M.Sc. myself, I can say something about the university. In Holland, a degree is not a guarantee for a reasonable income. Not even for an income per se.
It is a tangled issue. Numerous academic studies do not lead to expertise that is highly in demand in the outside world; yet these studies are indispensable to the maintenance of our cultural position. The sensible thing to do here is to put a cap on the number of students allowed to get in; the cap should have a sound connection to the demand for professionals in a certain discipline.
In economically uncertain times, there is a tendency for young people to enroll in a college, or university. Although this sounds like a good choice (i.e. increase future job chances), I think reality is, um, more diverse.
I see too many 'slackers', pretending to study, but being quite lazy, and always going for the minimally necessary markings. If there's a real capacity in them, it's that for partying. It may be a fun life, without any real responsibilities. But in reality, it leads to nowhere.
Now, here's a personal opinion that may be controversial. I agree with the late and esteemed American philosopher Allan Bloom on this: there should be no 'money-oriented studies' in the university. One can obtain all the qualifications of an M.B.A. in a private company; although highly fashionable, financial studies have nothing at all to do with the core duties of a good university: to teach, to study, to debate, to be as mentally creative as one can, without the influence of outside interests, financially or otherwise. For money, there are banks; for studying, there are universities.
I plead for serious forms of quality control and evaluation: better to tell a very mediocre student halfway that he/she will have a hard time to proceed as is being done, and get an occupation with his/her capacities in the chosen field of study, then to let him/her struggle, fall, get up, and struggle on with a tragically hopeless perspective. That would save good money.
Well, just my two cents. Curious how others will chime in.
Some "real" majors (in the sense that they are offered by colleges.
Gender Studies
African-American Studies
Women's Studies
Hispanic Studies
Native American Studies
Islamic Studies
Middle-Eastern Studies
Fine Arts
Dramatic Arts
Classics and Classical Studies (I like this one, but it's not marketable)
Conflict Resolution/Peace Studies
Scum always has floated to the top...
You got it.
There is not much work in the under water basket weaving department, but considerable in underwater welding.
Hard work, mixed with imagination and a willingness to find a way, will keep you out of poverty (most of the time).
Throw DeVry and ITT in with that group.
I went on a field trip Saturday and there was a young woman in the group. She has some kind of biology degree but is in bad shape because she can't live alone and in the manner she wants. Not poverty but the electric bill is a problem
I agree. That would be morally right to do, in my opinion. However, you would not be able to do that in the US. Mediocre students come in all colors, and so a certain percentage of the mediocre students would be black. WHAM! As soon as anyone tells a mediocre black student that they should rethink their desire for a college degree, it's time for a lawsuit.
Therefore, you cannot tell a very mediocre student halfway that he/she will have a hard time to proceed.
It actually does carry one guarantee... that you will be an indentured servant to the student loan industry for the rest of your life.
I am living proof that a college degree is not a guarantee of prosperity. I work a second job and NEED to.
I remember those days long ago - you couldn't get a job unless you had experience and you couldn't get experience unless you could get a job.
Insurance, Telephone and Consulting companies were the way to get a foot in the door.
It also helps a great deal to be a minority. They don't even need the ambition, just the skin color.
I think there is a niche for majors like French Art, Medieval History or Philosophy, whatever - but only for kids who come from families so wealthy that their parents never care whether the kid makes over $30K a year or so. And that's a pretty small niche. They need not worry because they'll get what "The Millionaire Next Door" called economic outpatient care, either from their parents or by marrying into it. So yeah, might it be delightful to get a degree in French Art? Yes, if I don't have to worry about a paycheck...
I wanted to take photography for the same reason, but the class had out of pocket costs. So I took ceramics instead - that certainly enlightened my "learning experience". I scored the 3 credits for graduation, which was all that class provided. Oh, and even though the class was ceramics, as useless as t*ts on a bull, the 'professor' was a flaming lib. Talk about adding insult to injury.
This topic seems to be coming up a lot in recent days. I wonder why?
Oh, and your answer is spot on, and has been hammered in again and again in the threads here. I wonder why these Libs writing pieces like this don't get it?
The bottom line is that our education system has become geared towards shoving everyone through "college", when really only +/- 15% can really benefit from what most of us would consider a real college education. Vocation / tech schooling and trade apprenticeships have been vastly under-emphasized in our system, and it is not serving us well.
"Education" as now practiced in this country, has nothing to do with the level of wealth attained in a lifetime. Extracting and verbalizing the intellectual content of a number of facts assembled by others over many lifetimes of experience, does not translate into the totally different skill set that goes into persuading your fellow human beings to give you money. Now, people give other people money, for a variety of reasons, because they are afraid of that person, and surrender up the cash to buy a little personal time during which they are "safe" from the bullying; or it may be a feeling of pity or remorse over some past inequity; or even because one person has so much admiration for the performance and capable talents of another, that the cash is gladly handed over.
Or the recipient of the funds may have made something so clever, so useful, that others clamor for the RIGHT to give their reserve of stored value to the innovator, that they may enjoy the fruits of that cleverness.
Book learning is unrelated to shrewd merchandising or manipulation. Willingness to accrue treasure, the drive to be wealthy, is a trait learned at an early age, and is as much a part of culture, as the feigned or real inability to employ money, cash flow, in a useful and provident manner, the desire to remain impoverished. Either rich or poor is a matter of attitude, not of any inherently unequal treatment by the economic system.
People will let you have about as much money as they think you should have. Pleasing personalities get more money than unpleasant people.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


text:
SoftChalk News
Three 'Chalkies' Receive Awards for Their Outstanding WorkPosted April 04, 2011 in SoftChalk News
The annual Lesson Challenge is a chance for us here at SoftChalk to recognize the people that are doing cool things with our software! We know there are many of you out there, it's apparent each month in our Innovator in Online Learning series, but we're always pleasantly surprised with the quantity and quality of the lessons we receive as part of the Lesson Challenge. It must be the trophies. 🙂
Without further ado, we'd like to feature the 3 top winners and honorable mentions for this year's Lesson Challenge.
1st Place: Microbiology Laboratory Manual
Clifton Franklund, Ferris State University
2nd Place: MISSION SoftChalk
Leah MacVie, Canisius College
3rd Place: Nutrition Support & Metabolic Stress
Kristin Bartholomew, Valencia Community College
Honorable Mentions
Introduction to Differential Equations – Phillip Clark, Scottsdale Community College
Academic Integrity – Dianne Jennings, Virginia Commonwealth University
We'd also like to highlight our 2011 judging panel, which consists of the educators from organizations across the country. The Lesson Challenge wouldn't be possible without them!
- Richard Foster, DMD, Dental Director, Guilford Technical Community College
- Sue Goldman, HSD, Staff Development Specialist, State of New Mexico
- Dr. Stephen Holland, Professor, Muscatine Community College
- Marilyn Larsen, Associate Professor – Dev. Math, College of the Mainland
- Michelle Leavitt, Director, Product Strategy, NetLearning | Cengage Learning
- Dr. Anne Loochtan, Vice President of Academic Affairs and Dean of Faculty, Mercy College of Northwest Ohio
- Dr. Christy Low, Chair, Curriculum & Program Development, Quality Matters
- Twila Masaschi, Development Specialist, Georgia Virtual School
- Jacqueline C. McNair, Program Coordinator, Health Information Technology, Baltimore City Community College
- Dr. Britt Watwood, Senior Faculty Consultant, Online Teaching and Learning, VCU Center for Teaching Excellence
5 Responses
[…] The Lesson Challenge Winners have been announced. Visit our blog to see the winning lessons and congratulate the winners! […]
How can I get permission from Dianne Jennings from VCU to use her lesson?
Hi Evelyn,
Dianne's lesson is shared on SoftChalk CONNECT with the Attribution Creative Commons License. The Attribution License allows others to distribute, remix, tweak, and build upon the work as long as credit is given to the author of the original creation."
If you just want to link to it or embed the lesson within your own content, you can simply visit SoftChalk CONNECT (http://softchalkconnect.com/lesson/JS6ifp5tKjc2U1) . If you want the full lesson to use/re-purpose please contact me.
Thanks, Brittany. I'm in Malaysia right now but will be back in the USA in 3 weeks. I'd like to take Donna's lesson as a foundation to build on other integrity and ethical issues I see out here. Simply haven't yet had the time to look into Connect but keep meaning to.
[…] I just got my trophy in the mail. Thank you to everyone who voted for my lesson and attended the webinar I delivered a few weeks ago. Both were a huge success. The webinar was attended by over 175 people. Softchalk Blog Announcement […]


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Bill Gates, Laptops and Confusion
On his visit to Spain, Bill Gates met the Spanish prime minister and didn't fail to lobby for Microsoft computers in schools. But lacking knowledge of Spanish regions led to some confusion and did not quite bring the attention he might have wanted.
Although he was officially in Madrid to reach some cooperation agreements between the Bill and Melinda Gates Foundation and the Spanish government, everybody was expecting Bill Gates, who met up yesterday morning with the Spanish prime minister, Jose Luis Rodríguez Zapatero, to also lobby for Windows on the laptops that are expected to be given out to Spanish students in September (for the full story see here and here). And lobby he did, although things didn't go quite as expected...
By the time Gates and Zapatero had got round to the press conference, the software mogul had forgotten the name of the region where Microsoft and Co. had run the pilot educational programme and, after a brief hesitation, he ploughed ahead just saying "a region in Spain" (see video here).
Not surprisingly, El País, Spain's biggest daily newspaper, immediately mentioned Aragón in their report of the meeting. El País has a vested interest in the project as it belongs to PRISA, a great Microsoft ally (they were also in the Aragón project) and the same holding that owns Santillana, the biggest publisher of school textbooks in Spain.
But RTVE, Spain's national public TV network, announced that Gates was referring to Extremadura. Extremadura, the poorest region in Spain, is famous for its Linux-based IT educational network, that helped it shoot from the bottom of the list of computers per student, to the top (the region has one computer for every two students, while the national average is one computer for every fifteen). Several other regional sources interpreted Gates vague praise as references to their own educational programmes.
Meanwhile the news that Gates had praised the GNU/Linux experience in Extremadura had hit Meneame, the Spanish version of Digg.
Some hours later, probably alerted by the unusual amount of traffic to the piece, somebody at RTVE noticed the "mistake" and "Extremadura" was erased from the text, to be substituted by "Aragón".
Video of the prime ministerhttp://www.youtube.com/watch?v=y3ID4ysprJg
gossipgossip it indeed seems to be...
gossipthis is just bullshit gossip...
why are sparing pages for such nonsenses
Issue 194/2017
Buy this issue as a PDF
openSUSE Rolls Out 42.2 Leap
New release targets Linux professionals.
Cutting-Edge Fedora 25 Released
The Fedora project adds Wayland and Gnome 3.22
CeBIT 2017: The Open Source Forum
CeBIT 2017: Open Source Forum Call for Papers
Say it Ain't So! Microsoft Joins the Linux Foundation
Long-time Linux antagonist joins the revolution.
How to Bypass Authentication on a Linux System
Major bug affects Debian/Ubuntu distributions.
Ubuntu Core 16
Canonical releases the minimal edition for embedded devices, Internet of Things, and cloud deployments.
Red Hat Releases Red Hat Enterprise Linux 7.3
The new release features improvements across the board, from performance to security.
The Linux Foundation Announces a New Board of Directors
Two out of three of the new members are women.
OpenStack Summit in Barcelona
More than 5,000 people attended the event.
Linux Voice Joins the Linux New Media Family
Linux Magazine will include the best of both magazines.


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IDG Answers is a community of experts who are passionate about technology. Ask a question or answer one below.
IDG Answers is a community of experts who are passionate about technology. Ask a question or answer one below.
My smart phone keeps giving me trouble. I've been assured it is not refurbished; yet the date on the smp preemptive is 5 months before I got the phone. Such a long time lag between the date on the smp preemptive and the date I bought the phone makes me wonder. What do you think? thank you!
You must be logged in to ask, answer or follow a question.
I so hope you see this, Stilladotcommer.
After being fixed at Samsung, my android phone couldn't be turned on. there is a problem. again!!!
Galaxy Nexus. third time broken since beginning of Dec!
So was going thru the update and status section and found the info on the kernel. The person from sprint didn't understand what it was...if you say that that could be a date stamp during the creation of the phone...that's cool. I was just thinking that the phone crashed so many times, that it might be refurbished rather than new...
Thanks so much for your feedback!
What I would like to know is how you are finding SMP PREEMPT? Are you using terminal emulator to access Linux command line shell, or is this displayed on the version of Android your phone is running (you didn't mention Android, but it must be)? SMP PREEMPT means that the Linux kernel version on your device will support multiple processor cores, but I'm not sure what the date indicates. I suppose it could mean the date of the original kernel build, or the date that device was first "brought to life" but I'm not certain which. Assuming that it specific to that device, 5 months isn't really all THAT long. Keep in mind, these things are literally shipped in containers from Asia, and before that they have to get from the factory to the port. Once in the US, they have to make it from the port to the distribution point, then go out to retailers, then make it from the retailers storage to shelf, then from the shelf into the consumer's hands. I could see that taking 5 months, especially if the model wasn't selling that quickly, or it ended up on a retail shelf that didn't move a lot of product.


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Stephen Strasburg's MRI revealed a flexor strain, which is about the best news they could've hoped for. It's also likely not-true news. Teams say all kinds of things; the truth is one of them, but it's not always said. I'll tell you the truth, I have no idea if the Nats are telling the truth. Gotta take their word for it, which means he's droppable in redraft leagues, but he doesn't need serious surgery so should be fine for 2017 and keepers. That's until next year when his inverted W stands once again for wince. By the way, why is the inverted W not just called an M? Can anyone please answer me this? It hurts my brain. I'm gonna take a nap. *intern blows airhorn* I'm up, I'm up, let's do the post. Anyway, here's what else I saw yesterday in fantasy baseball:Please, blog, may I have some more?
Derek Holland
Gerrit Cole has an injured arm, possibly elbow spurs. I love this scenario: a pitcher throws like garbage for weeks then the team announces he's hurt. Love, love, love. This is my favorite. Five innings, five runs, but it's likely nothing, just a bad start. Cut to five weeks later of terrible starts. "Oh, yeah, he's got a torn tendon/elbow spur/missing forearm due to lost baggage. Oops! We should've sent him to a doctor six starts ago. Our bad!" Here's what I said after his last start, "I don't know what's going on with Cole, but I'd guess injury or dead arm." And that's me quoting me! How is it that I can guess there's a problem but a major league team can't figure shizz out? That should never be possible. I couldn't even pass Bio 101, and a MLB team has a staff of doctors. Seriously, how does this happen? I want answers! Anyway, here's what else I saw this weekend in fantasy baseball:Please, blog, may I have some more?
Yesterday, Ivan Nova threw a complete game with one earned run — 9 IP, 1 ER, 7 baserunners, 6 Ks — ERA at 3.20 on the Pirates, after having a 4.90 ERA on the Yankees. This Ray Searage guy can do miracles. People should travel far and wide to go see him with their ailments, anguish and general malaise. "So, I was standing in line for a frappuccino and I was thinking, 'What's the point?' So, what is the point, Searage?" "Sounds like you should use the change more." By the way, malaise is not the actress that plays Arya Stark. Ray Searage is a modern-day miracle worker. Move over, Anne Sullivan! This is also exactly what they said about Searage in regards to Juan Nicasio before he flamed out about three weeks into the season, and Gerrit Cole has been pretty gross. Searage seems totally competent, but to think he can fix all Pirates pitchers seems foolhardy. No relation to Tom Hardy. I could see grabbing Nova if the matchups are right, but I'm not running out to grab him in 12 team mixed leagues. Not simply because my computer's at home and it makes no sense to run out anywhere. Anyway, here's what else I saw yesterday in fantasy baseball:Please, blog, may I have some more?
Ugh, ranking pitchers is so annoying sometimes! You like a guy, he sucks a little, you stop liking him, he then gets better… I'm changing this to monthly rankings here on out, dammit!
OK, rant over. Don't worry, I'll stick with the weekly ranks. But after buying into the Anthony DeSclafani hype in the pre-season, to taking him out of my ranks, to then rank him very aggressively when he got off the DL, only to see two meh starts including a rough one against the lowly Braves, and now DeSclafani is looking good again with that wicked slider has my panties bunchier than the chocolate in Buncha Crunch. I'm having a roller coaster of emotions! I feel like Yordano Ventura on the mound, I'm coming unhinged! I watched a good bit of DeSclafani's first start off the DL hosting the A's and he looked pretty good, but didn't give it my 100% undivided attention. I think for my own sanity I needed to take a look with how he pitched yesterday afternoon against the Padres, to finally have a decision on this guy… Here's how DeSclafani's fourth start on the year went down:Please, blog, may I have some more?
It feels like only yesterday J.D. Martinez injured himself, and it was yesterday if you were roofied. In his place, Steven Moya is filling in admirably. Yesterday, he went Yardo Montalban as he Tattooed the ball two times. Da plane, da plane…is flying right next to Moya's homers! My dear guests! I am Mr. Albright, your host. Welcome… to Fantasy Baseball! Smiles, everyone, smiles! No, seriously, smile, you paid a lot of money for those caps. Moya now has three homers in his last three games, and if baseball is a game of inches, Moya's got a lot of 'em. 79 inches to be exact. Not saying he's John Holmes, he's six-seven and looks like an easy 35-homer hitter. I watched him hit a ball the other way and he was like, "Yeah, okay, I guess I'll hit this one out." He looks like the kind of guy that could twelve homers in a month. If you're power-starved, or just bored and wanna pick up a new player, I'd grab Moya. Anyway, here's what else I saw yesterday in fantasy baseball:Please, blog, may I have some more?
That totally sounds legit right? Clayton Kershaw, $14,200 & Stephen Strasburg, $13,200 are squaring off in LA tonight and the place is going to be on fire, literally. Game time is temperature is set to be around 97-100 degrees, so between the fastballs and the the sun, Chavez Ravine it's going to be muy caliente. Gun to my head, I'm going with Kershaw tonight because he seems like he's going to be able to get through the heat and still go 7 or 8 innings. Strasburg left early a few starts ago with cramping, so if dude doesn't hydrate he may only go 5 or 6 innings, leaving precious points on the table for you. If you want to stay away from this matchup all together then go with Madison Bumgarner, $12,800 at Pittsburgh, who just got victimized by Kyle Hendricks with 12 K's in 6 Ings. Granted the Pirates have no game vs the Cubbies, but if Hendricks can miss that many bats then look for Madbum to continue mowing guys down. From a pitching stand point, those are the studs that will be highly owned, so lets take a look at a couple other guys who might be flying under the DK radar.
New to DraftKings? Scared of feeling like a small fish in a big pond? Well reserve your spot in the 25 Team Razzball Exclusive League set to run today to wet your DK whistle. Just remember to sign up through us before you do. It's how we know you care! If you still feel helpless and lonely, be sure to subscribe to the DFSBot for your daily baseball plays.Please, blog, may I have some more?
Leave it up to me on a day where there's more than enough good arms out there to make you cringe about a pitching selection. Yes, it's true. I'm honestly suggesting CC Sabathia on this fine Sunday. You might ask yourself, 'how did Sky find a way to make this hard on a slate featuring Arrieta, Jo-Fer, and Nola?'. And you might ask yourself, 'why would you suggest a guy just a few fake internet ducats off from The Dark Knight, Cole, and Gausman?'. You might also ask yourself, 'why do I feel like Sky is setting me up for a Talking Heads reference in a piece where he references Black Sabbath?'. Cuz it's the same as it ever was, friends. Really, I'm not suggesting huge upside here nor am I suggesting CC is the best play on the board. So what am I suggesting? Well, for starters the Orioles have been low key bad against lefties so far this year, sitting 25th in wRC+ against southpaws for the year. That in and of itself gives a decent backdrop for me to be intrigued. When you also factor in CC's pitch selection change this year to make up for the lack of giddyup in his FB – swapping mostly over to the cutter – it makes his gains so far this year not seem too much like a mirage. So in tourneys, look to have yourself some CC shares and pair him with your pick of this pitching litter on a day where he'll go microscopically owned. But enough about this, let's talk about that. Here's my Electric Funeral hot taeks for this Sunday DK slate…
New to DraftKings? Scared of feeling like a small fish in a big pond? Well reserve your spot in the 25 Team Razzball Exclusive League set to run Monday June 6th to wet your DK whistle. Just remember to sign up through us before you do. It's how we know you care! If you still feel helpless and lonely, be sure to subscribe to the DFSBot for your daily baseball plays.Please, blog, may I have some more?
You flip through your cassette singles. You pop in James Ingram's Just Once cassette single, but decide that's better to play right after taking the love of your life for an abortion. You then pop in the In Your Eyes cassette single, but it feels too Say Anything. You then pop in the Always & Forever single you played on the way to prom, and it…feels right. You take your boombox and place it on your shoulder, Luther Vandross plays obnoxiously loud if Vandross could ever be obnoxious, but you decide he can't be. The song gets to the end and you flip it over to play the Always & Forever house remix. Yet, this whole time, Matt Harvey's Buy Low Window stays shut. You wonder why it won't open again, and sigh. It's now shut because yesterday Matt Harvey went 7 IP, 0 ER, 3 baserunners, 6 Ks, ERA down to 5.37. Looks like the slider returned with his velocity. Last week I said I didn't think his problems were unfixable, yesterday he showed they weren't. Anyway, here's what else I saw yesterday in fantasy baseball:Please, blog, may I have some more?
Jose Altuve is on pace for 60 homers. He can't even reach the cereal in the morning! If an opposing manager were to ask to see Altuve's bat, they would crack it open to reveal gumballs because he's the leader of the lollipop guild. If the major leagues were to institute a Daffy Duck 'You Have To Be This Tall' sign before getting to the batter's box, Altuve would need his mother to escort him into the batter's box every time. That's assuming she's tall enough! If she's not, who does he get? His uncle? Erik Kratz? If might were height, Jose Altuve would be a giant. That much is true. I love that lil' bugger! I want a Teddy Ruxpin in the shape of Altuve to cuddle at night. Last night, he went 4-for-4, 2 runs, 2 RBIs with his 9th homer, hitting .330. So, the question is, can he keep it up? Up is not a word I associate with Altuve, and, no, he can't keep it up. No one could keep up this pace. Of course, he's still a .315 hitter with an easy 110 runs, 35 steals and 70 RBIs, i.e., a top ten bat. So, keep it up? No, not without four phonebooks under him. Do enough to make you glad you didn't sell high? As a French dwarf would say, "Wee!" Anyway, here's what else I saw yesterday in fantasy baseball:Please, blog, may I have some more?
Noah Syndergaard steps into a giant metal milk can and submerges himself. At first, bubbles come up, then nothing. Only Houdini has ever been able to escape this, and even then Tony Curtis struggled to keep his life in order afterwards. The beautiful-despite-her-pantyhose girl locks him in. Everyone watches, and Noah just sits there, locked in. The audience shifts, then realizes this is what they want. They want Noah to stay this locked in. This locked in leads to Cy Young awards. This locked in carries teams to championships. One man stands in the audience and screams, "Grow gills and stayed locked in!" The crowd erupts. Harvey's looked just okay, that other Mets pitcher put out the welcome Matz to opposing hitters and deGrom is battling an injury. Syndergaard? Oh, he's so locked in. Yesterday, he went 7 IP, 1 ER, 8 baserunners, 12 Ks and looked like he could've beat the 1927 Blue Jays in Coors Field. If you own him, 'gaard your grill and knuckle up if anyone tries to trade you for him. Anyway, here's what else I saw yesterday in fantasy baseball:Please, blog, may I have some more?


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However, attending at these low points. First of all, one who smokes Marlboro consistently may acquisition alien bargain Marlboro cigarettes tasting differently. This is something which the approved smokers don't wish to agree. This may not absolutely be the case as aforementioned brands are bogus in agnate appearance everywhere barring a few exceptions area regulations are baggy or the franchisee manufacturers themselves circumnavigate the regulations. Sometimes, this may aswell be because the preservatives and additives not adapted in one country may be adequate a accurate cachet in another. But the aberration may be attributed to be added because of the added shelf and shipment time appropriate than annihilation else.
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If you wish to buy bargain cigarettes from your bounded boutique you may be appropriate to buy as abounding as 4-9 cartons in one go which isn't the case in an online tobacco abundance area the basal amount of a individual carton itself is far lower than the lot you ability accept to acquirement there locally.
Internationally, accepted brands like Marlboro, Camel, Winston, 555 and abounding are clandestinely banned cheating through assignment nets. This is apprenticed by acceptance they adore all about but in the action countries apart what is accurately their tax revenue. However, from cigarette smokers' point of view, they accept become bargain so that they can allow to adore these all-embracing brands. The estimated absolute acquirement accident to governments stood at US$ 30 billions.
There are several affidavit why cigarettes bargain or not do not alter irrespective of their origin. If there is something that doesn't favor Eastern European cigarettes, it is the shipment time they yield to access at your door. Usually they are alien through registered mail which takes about 2-3 weeks to ability you in USA. However, this is not absolutely a aberration to a cigarette enthusiast that smokes consistently because she or he consistently has the options to buy in aggregate which still works in her or his favor. By the way, accept you tasted abatement menthol and Marlboro fabricated in Eastern Europe yet?


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UNM's Ethnic Centers on the Budget Chopping Block
By Marisa Demarco
Christopher Ramirez is a first-generation college student doing graduate work at UNM. He is one of about 25,000 students at the university, according to a Fall 2008 enrollment report.
Answer Me This
By Simon McCormack
What animal caused a traffic jam? A New Mexico woman got arrested for threatening whom? What new facility opened its doors in the South Valley? And who do detectives say is responsible for a gruesome murder?
News Profile
What's a Little Historical Amnesia Between Neighbors?
Somos Primos campaign opens dialogue between Hispanic New Mexicans and Mexican immigrants
By Simon McCormack
Maria Cristina Lopez says a myth hangs over the state that New Mexicans and immigrants from south of the border don't get along. The media, politicians and school officials spread the nasty stereotype, according to Lopez.
News Profile
Immigración 101-Los Mitos y La Realidad
Somos un Pueblo Unido compiled a list of immigrant facts and fiction. Here's a sampling of what the organization put together.
Making Sausage
By Marisa Demarco
Pass the mustard.
It's Alive!
Though the bill looked to be gray-faced and stiff, Sen. Bernadette Sanchez cast her vote in favor of New Mexico's domestic partnership legislation Monday, Feb. 16. (A couple weeks ago, she failed to break a 5-5 tie in the Senate Judiciary Committee on the matter because she had to take a call.) A bill that would give unwed gay and straight couples some of the same rights as married couples will go before the full Senate for a vote sometime this week.
The Radford Files
The Fuzzy, Superficial World of Balance
By Benjamin Radford
Balance. Everybody wants it. Tires and tightrope walkers need it.
Odds & Ends
By Devin D. O'Leary
Dateline: India—In an attempt to make India more Indian, an activist group is developing a soft drink made from cow urine. India's Hindu nationalist movement, the Cow Protection Department of the Rashtriya Swayamsevak Sangh (RSS), says the carbonated drink is in the final stages of development. The Times of India reports head of the department Om Prakash as saying the drink was undergoing laboratory tests and would be launched "very soon, maybe by the end of this year." Prakash told The Times that the drink would be very healthy and devoid of toxins. "Don't worry," Prakash was quoted as saying. "It won't smell like urine and will be tasty, too." The drink, known as "gau jal" or "cow water," is the RSS' latest attempt to cleanse India of foreign influence and to promote its ideology of Hindutva, or Hindu-ness.
In regard to the Feb. 12-18 edition of El Machete [Re: Toons, Eric Garcia], it very much disturbs me to see a one-legged Native American being asked to jump through the flaming hoops of bureaucracy when Native Americans already have free health care, as they should. But even more disturbing is the white Uncle Sam holding the fiery hoop, when in fact it should be Obama. C'mon, Machete, get it right!
EVENT HORIZON (Monday, Dec 5)
The Other Rio Grande
River of Lights
Enjoy the magic of millions of twinkling lights and dazzling holiday displays at New Mexico's largest walk-through light show.
EVENT HORIZON (Wednesday, Dec 7)
Second Star to the Right
Stargazing Night
By Megan Reneau
Peer through telescopes at the dark winter sky. Learn about stars, constellations and other night sky objects with astronomers from the Albuquerque Astronomical Society.
EVENT HORIZON (Saturday, Dec 10)
Starlight in a Paper Bag
Eleventh Annual South Valley Acequia of Lights
By Renée Chavez
Stroll along the enchanting luminaria-lit Atrisco Acequia under the stars.
NEWSLETTERS Great Alibi stories, events and deals delivered to your inbox each week. No fooling!
Today's Events
River of Lights at ABQ BioPark Botanic Garden
Enjoy the magic of millions of twinkling lights and dazzling holiday displays at New Mexico's largest walk-through light show.
Lunar Mondays at New Mexico Museum of Natural History and Science
Introduction to Ideal Protein at Zentral WellnessMore Recommended Events ››
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Reviewed By Lawrence B (BURLINGTON, KY) Reviewed for a 1995 Ford Ranger —8/22/2013 12:45 PM
over all they fit great except they need to be about a half inch longer and the post holes need to be centered. But they look good on the truck.
Reviewed By Gurinderjit t (TRACY, CA) Reviewed for a 2009 Ford Ranger —11/28/2016 11:35 PM
I bought these for my 2009 Ford Ranger and they fit like a glove! The rangers have a wide bed rail and very prone to dings and scratches and these caps covered up all previous damage and will protect from future hard use. Very easy to install with double side tape which is included and pre-mounted. I recommend a clean dry surface before applying.


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Cheap hotels in Machu Picchu
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Hotels in Peru: Main Cities
Weather forecast for Machu Picchu
Friday 9Min 2 °CMax 17 °C
Saturday 10Min -1 °CMax 16 °C
Sunday 11Min 4 °CMax 18 °C
Monday 12Min 3 °CMax 18 °C
Tuesday 13Min 1 °CMax 19 °C


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You missed it This great deal for Dr. Marlowe's Weight Loss Institute is over. But don't despair, we've got more great deals every day.
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